Determinants of commercial bank interest margins and profitability: some international evidence ppt

... in crediting customer accounts, in an Determinants of commercial bank interest margins and profitability: some international evidence Asli Demirgüç-Kunt and Harry Huizinga1First draft: June ... dataset with bank- level data, this paper analyzes how bank characteristics and the overallbanking environment affect the functioning of banks, as reflected in interest margins and bank profitability.In ... role that implicit and explicit taxes play inraising spreads and goes on to discuss some of the determinants of bank cost and profits,such as inflation, scale economies, and market structure....

The Sensitivity of Bank Net Interest Margins and Profitability to Credit, Interest-Rate, and Term-Structure Shocks Across Bank Product Specializations potx

... pricing of risk, quarterly or short-run changes in The Sensitivity of Bank Net Interest Margins and Profitability to Credit, Interest- Rate, and Term-Structure Shocks Across Bank Product ... show trends in net interest margins and noninterest income for each of our 12 bank groups. These panels show a long-term trend of a decline in net interest margins for most bank types, beginning ... above, xi and xj are interest rates composed of y and r and stated this way in (7) for simplicity, and σij is the covariance among all interest- rate changes of assets, dy, and liabilities,...

The Determinants of Commercial Bank Profitability in Sub-Saharan Africa potx

... “Concentration and Other Determinants of Bank Profitability in Europe, North America and Australia,” Journal of Banking and Finance 13, 65-79. Boyd, J.H. and D.E. Runkle (1993). “Size and Performance of ... Sheet Banking,” Journal of banking and Finance 21, 55-87. Athanasoglou P., Delis M. and C. Staikouras (2006). Determinants of Banking Profitability in the South Eastern European Region,” Bank ... respect to large banks. A number of studies claim some economies of scale, while others find evidence of only limited cost saving and slight diseconomies in large banks. Clark (1988) and Humphrey...

An Analysis of Commercial Bank Exposure to Interest Rate Risk doc

... increased.This article evaluates some of the factors that maybe affecting the level of interest rate risk among commercial banks and estimates the general magni-tude and signiﬁcance of this risk using data ... concentrations.Off-balance-sheet instruments, on the other hand,have grown dramatically and are an important part of the management of interest rate risk at certain banks.The notional amount of interest ... assets,liabilities, and off-balance-sheet positions into timebands according to the time remaining to repricing ormaturity, with the number and range of time bandsvarying from bank to bank. Assets and liabilities...

Credit appraisal for projects in the field of Petroleum in Vietnam Joint stock commercial bank for Industry and Trade - Hanoi branch

... Industry and Tradewas established in 1988 is one of the 5 largest commercial banks in Vietnam. On 15/04/2008 Industrial and Commercial Bank of Vietnam are branded from Income Bank to the new brand ... Vietinbank (named after the EnglishIndustrialand Trade Bank of Vietnam, known asVietinbank).Up to the present time, Industrial and Commercial Bank ofVietnam has grown into a network of 01 exchange, ... commercial banks with low interest rate and long repayment period.b. General characteristics of the evaluation of loans for projects of petroleum industry.During the process of management and...

BANK INTEREST RATES AND LOAN DETERMINANTS* ppt

... PASS-THROUGH OF MONEY MARKET INTEREST RATES TO BANK INTEREST RATES AND BANK LOANSThis section examines the pass-through of money market interest rates to bank lending rates and bank loans, ... impact of variables associated with the conduct of banking institutions as factors deter-mining the evolution of interest rates and bank loans.2. MODELLING BANK INTEREST RATES2.1. Theoretical determinants The ... spreads on bank interest rates and other restrictions (both in prices and quantities), miti-gating the reductions in bank interest rates and contributing to a more signiﬁ cant slowdown of bank loans...

WORKING PAPER SERIES NO. 518 / SEPTEMBER 2005: TERM STRUCTURE AND THE SLUGGISHNESS OF RETAIL BANK INTEREST RATES IN EURO AREA COUNTRIES docx

... Journal of Banking and Finance, 19(5), 743-64. Milbourn, T.T., A. Boot and A.V. Thakor, 1999, Megamergers and expanded scope: theories of bank size and activity diversity, Journal of Banking and ... European banking, European Economic Review, 45(10), 1931-1955. Angbazo, L., 1997, Commercial bank net interest margins, default risk, interest- rate risk, and off-balance sheet banking, Journal of Banking ... Journal of International Money and Finance, 23(3), 461-492. Scholnick, B., 1996, Asymmetric adjustment of commercial bank interest rates: evidence from Malaysia and Singapore, Journal of International...

Syllabus for Examination for Issue of Commercial Pilot’s Licence and Instrument Rating - Aeroplanes doc

... aircraft - International standards and recommended practices: adoption of international standards and procedures, endorsement of certificates and licenses, validity of endorsed certificates and licenses: ... and principles of operation - display types - turn and acceleration errors - application, uses of output data - Turn and bank indicator (rate gyro) - construction and principles of ... Elements of performance - take-off and landing distances - obstacle clearance at take-off - rate of climb and descent - effects of selected power settings, speeds, and aircraft configuration...

Tài liệu Báo cáo khoa học: Modeling of tRNA-assisted mechanism of Arg activation based on a structure of Arg-tRNA synthetase, tRNA, and an ATP analog (ANP) ppt

... chains of Pro34 and Leu38. N1 and N6 of the base of A20 lie close to Nd2 and Od1 of the side chain of Asn87 in the S4 strand, withdistances of 2.82 A˚ and 2.97 A˚, respectively. Theplane of ... aromatic ring of Tyr587 at theC-terminal end of H23 and the hydrophobic sidechains of Ile517 of H19 and Pro591, Val592 and Leu593 of the loop between H23 and H24 (Fig. 5C).N4H2 and O2 of C35 are ... domain and the bases of G19 and A20 in the complex of P. horikoshiiArgRS are shown in Fig. 5B. The bases of G18 and G19 of the D-loop form hydrogen bonds with thebases of U55 and C56 of the...

Báo cáo khoa học: Alpha-fetoprotein antagonizes X-linked inhibitor of apoptosis protein anticaspase activity and disrupts XIAP–caspase interaction ppt

... ﬁeld and a combination of Simplex [65] and Powellalgorithms [66]. Coordinates of the NMR structures of theBIR2 [49] and BIR3 [50] domains were achieved from theProtein Data Bank ﬁles: 1C9Q and ... Tatoulov EB (2005) Recombinantalpha-fetoprotein, method and means for preparationthereof, compositions on the base of thereof and use thereof. International PCT No PCT ⁄ RU2005 ⁄ 000369.44 Morinaga ... the activity of endogenous inhibitors of apoptosis, such as IAPs, sHSPs, or Bcl-2 [6,7,54,55].There is further evidence of a high level of apoptoticactivation and the upregulation of IAPs in...

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