Net Interest Margin

Faktor pengaruh penyebab kerusakan yang paling sering dianggap menjadi masalah bagi masyarakat adalah faktor arus lalulintas yang melintas di suatu jalan. Di samping faktor tersebut mungkin masih banyak faktor pengaruh lainya. Akan tetapi pada penulisan skripsi ini akan difokuskan kepada factor pengaruh tersebut. Penelitian ini menggunakan volume lalulintas dan waktu setelah menggalami perbaikan jalan sebagai variabel yang dipengaruhi. Analisis yang dilakukan adalah membangun suatu permodelan regresi linear berganda untuk mengetahui tingkat korelasi antara volume kendaraan lalulintas dan waktu setelah mengalami perbaikan terhadap nilai kerusakan jalan (Nr) yang terjadi. Data volume lalulintas yang dilakukan survei sendiri lokasi pada tanggal 30 Mei – 8 April 2015. Data volume lalulintas per menit dan komposisi jenis kendaraan pada setiap ruas jalan selama 40 jam. Selanjutnya data waktu menggambil dari waktu terakhir dilakukan perbaikan jalan diruas jalan yang diteliti. Disamping itu...

The aim of this study is to investigate the bank-specific, industry-specific, and macroeconomic determinants of the financial performance of banks in Central and Eastern European Countries. For this purpose, first we determined the factors affecting performance, based on findings in the literature. We constructed a financial performance index (FPI) based on CAMEL ratios and then ran the computed index on the aforementioned determinants. In the analysis, we used unbalanced panel data covering the period 2009-2014, which were collected from the BankScope database, World Development Indicators, and the Financial Structure and Development Dataset. We conducted an empirical analysis using fixed-effect panel regression. Our results suggest that the asset quality and earnings of banks are negatively affected by size, and positively affected by business mix and inflation. Capital adequacy and liquidity were found to be negatively affected by size and positively affected by bank concentration and economic growth.

The banking sector is the strongest partner of development for countries economy as it has a remarkable contribution to the countrys Gross Domestic Product. This study aims to find out the relationship between the market interest rate and commercial banks financial performance. As the banking industry of Bangladesh is a growing industry, therefore, it is very necessary to maintain a stronger level of profitability for the banks financial stability and soundness. Banks have some determinants that have a significant impact on their performance. The convenience sampling method is used to select the targeted sample. The study includes the time series data of eight years of fifteen commercial banks that are listed on the Dhaka Stock Exchange in Bangladesh. Multiple variable linear regression and correlation analysis are performed to find out the relationship of market interest rate with banks profitability with the help of statistical software, SPSS 25, and Microsoft excel. The study exp...

The purpose of this research to analyze the effect of bank financial ratios for the soundness of banks in Indonesia in the period 2007 to 2011. Variables used as independent variables are the five financial ratios of banks that LDR, NPL, CAR, ROA, and BOPO. The research data used is the data bank 54 financial ratios, which consisted of 27 healthy banks and 27 banks are not healthy based on the ratings of the bank by InfoBank the period 2007 through 2011. Tool is regression analysis used logit / logistic regression with SPSS software version 16. The results of multivariate tests showed that significant LDR variable, while the CAR did not significantly impact on the soundness of banks in Indonesia at the α = 5%, but does not have the same sign with those predicted. Variables NPL, and BOPO significant and have signs similar to those predicted, while the ROA has a different sign to that predicted, but not sigifikan. In general, the results did not receive the entire Ha. Overall accuracy of prediction of bank soundness 2007-2011 period amounted to 90.7%. Level of errors made in predicting the health of banks is of type I errors (false negative) is not well predicted bank was healthy.

The purpose of this research to analyze the effect of bank financial ratios for the soundness of banks in Indonesia in the period 2007 to 2011. Variables used as independent variables are the five financial ratios of banks that LDR, NPL, CAR, ROA, and BOPO. The research data used is the data bank 54 financial ratios, which consisted of 27 healthy banks and 27 banks are not healthy based on the ratings of the bank by InfoBank the period 2007 through 2011. Tool is regression analysis used logit / logistic regression with SPSS software version 16. The results of multivariate tests showed that significant LDR variable, while the CAR did not significantly impact on the soundness of banks in Indonesia at the α = 5%, but does not have the same sign with those predicted. Variables NPL, and BOPO significant and have signs similar to those predicted, while the ROA has a different sign to that predicted, but not sigifikan. In general, the results did not receive the entire Ha. Overall accuracy...

This study aims to describe the results of the ranking and calculation of bank financial performance based on Liquidity Risk, Profitability Ratio and Capital Ratio at PT Bank Danamon Indonesia Tbk. period of 2014 - 2018. This Final Project uses descriptive writting method with a qualitative and quantitative approach and in collecting data using the published documentation method. This study uses secondary data obtained from PT Bank Danamon Indonesia Tbk. in the form of financial statements. Variables in this study are on liquidity risk using a Loan to Deposit Ratio (LDR), profitability ratio using Return On Assets (ROA) and Net Interest Margin (NIM). ), while the capital ratio uses the Capital Adequacy Ratio (CAR). The results of the study show that financial performance at PT Bank Danamon Indoneisa Tbk. period of 2014 - 2018 viewed from liquidity risk (LDR) is ranked 3 (three) or Moderate. ROA is ranked 1 (one) or very adequate in 2014, in 2015 was ranked 2 (two) or adequate, and i...

This research is performed in order to test the influence of the Operation Expenses to Operations Income (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) toward Profitability of Commercial Banks in Indonesia Period 2012-2017.             The sample used is 7 Commercial Banks that entered into the list of Commercial Banks Business Activities 2012-2017. The independent variables in this research are BOPO, NPL, NIM, and LDR. While the dependent variable is Profitability which is represented by Return On Assets (ROA). The analysis model used in this research is Multiple Linear Regression, while the analysis technique in this research using F Statistic Test, t Statistic Test, and Determination Coefficient Test.             The results of this research show that BOPO and NIM have significant influence to Profitability, while NPL and LDR have not significant influence to Profitability. Based on result of regression analysis, it is obtained that ...

This study aims to compare the financial performances of conventional (deposit) and Islamic (participation) banks operating in Turkey during the 2019-2024 period, to determine which group is more efficient, profitable, effective, and sustainable. Accordingly, deposit and participation banks were analyzed as groups based on key performance indicators such as liquidity, operational efficiency, risk management, and profitability. The results indicate significant differences in the financial performances
of the two groups. Deposit banks were notable for their lending capacities, while participation banks excelled in non-demand deposit ratios and superior risk management performances. Moreover, participation banks demonstrated stability in non-interest income/expenses ratios in operational efficiency, whereas deposit banks showed bejer performance in fee and commission income. In terms of return on equity, participation banks outperformed deposit banks, displaying more effective performance in sustainable profitability.

This study aimed to find out whether Good Corporate Governance and Risk Management affected reputation with financial performance as an intervening variable in the case study of Bank Central Asia Syariah. In addition, this study also aimed to test whether financial performance variables mediatd the relationship between each variables. The sample used in this research was Bank Central Asia Syariah's quarterly and annual reports published for 2017-2022. The method used was a quantitative approach with data analysis using smartPLS, the data used was secondary data. The research results showed that Good Corporate Governance has significant effect on reputation.Good Corporate Governance has not is proven significant to financial performance. Risk management has proven to have a significant effect on reputation. Risk management has a significant effect with a negative influence on financial performance. Financial performance has proven to have a significant effect on reputation. The path test showed that financial performance is unable to mediated Good Corporate Governanceon and risk management on reputation.

A bank risk is an uncertainty that can produce something undesirable, including in banking world. The existing deposits and credit can be the cause of risks emergence so it's needed to be well organized. The purpose of this study is to determine the effect of deposit, credit and net interest margin (NIM) growth on bank risk that reflected through the measurment of risk on capital returns and standard deviation on assets (SDROA) as a measurement of risk on the growth asset. This study is a causal quantitative. The objects of the study are the banking sector listed on Indonesia Stock Exchange (IDX) in 2018-2021 period for about 45 banks with purposive sampling, so the population decided are 41 banks. The used analysis method is Eview 9. The results of the study show that deposit and credit growth affect the Standard Deviation of Return on Assets (SDROA), and Net Interest Margin (NIM) affects the Standard Deviation of Return on Equity (SDROE).

This study aims at examining the effect of liquidity management on the profitability of Bangladesh banks. To accomplish this objective, 32 banks of Bangladesh including second and third generation banks are taken as a sample. The secondary sources of data have been used for this study which are collected from the annual reports. Hausman specification test is run to identify the appropriate model which suggests that random effect model is suitable for this study. This study focuses on ROA, ROE and EPS as a denominator of profitability. Current ratio is found to have a positive impact on profitability of bank whereas capital adequacy ratio, interest rates are also found to be statistically significant for influencing the performance of the bank. Thus, this study suggests that proper management of liquidity will raise the profitability of the banks and the findings of this study will be helpful for the policy makers to solve the problems in respective field. Contribution/ Originality: This study focuses on both private and state-owned bank with 11 years' time frame which is one of biggest contribution. Applying the Hausman specification test for model reliability is another area of contribution for this study. This study also adopts two macroeconomic variables.

The study examined the impact of the Central bank of Nigeria's (CBN) balance sheet on the growth of private sector credit, economic growth and price stability during the period 2006-2017. Balance sheet indicators used were total assets of the CBN and proxy for asset distribution. Employing a vector autoregressive (VAR) model, the study found balance sheet policies to be effective in reducing cost of credit, increase in bank lending, economic activities and a decline in inflation. However, the effects favour asset dispersion (credit easing) against growth in assets (quantitative easing), implying that the Bank can, in the short-to medium-term, sustain its intervention programmes on the economy, but that the programmes, are more effective when the CBN acts as a banker's bank.

This study aims to determine the impact of the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM) of the Return on Assets (ROA) at PT. Bank Mandiri (Persero) Tbk. The data used in this study comes from the banks concerned. The data taken in the form of secondary data obtained through the banking statistics quarterly financial report of PT. Bank Mandiri (Persero) Tbk in Indonesia during 2008-2012. The analytical method used consists of multiple regression analysis , the classical assumption , hypothesis testing (t test and F test) and test the coefficient of determination. From the results of this study concluded that based on regression analysis obtained the following equation: Y = 6.342 + 0.008 + 0.044 XI X2 -1.176 X3. In the classical assumption test found a problem in the autocorrelation test , whereas the normality test, multicollinearity and heteroscedasticity test there is a problem in the model. Based on the hypothesis testing, the F test is known that jointly (simultaneously) variable CAR, NIM and LDR significant effect on ROA. While the t test (partial testing), variable CAR and NIM has no effect on ROA . While variable LDR dominant and significant positive effect on ROA.

This  study  aims  to  investigate  the  influence  of  market  discipline  on  the  behavior  of commercial banks with respect to their capital adequacy compliance and pricing behavior. We used panel data of listed commercial banks in Indonesia Stock Exchange in the year of 2007-2012. We used capital adequacy and pricing behavior as the dependent variable and we included  size  of  bank,  deposits,  liquidity  risk,  asset  quality  and  profitability  as  the explanatory variables and type of ownerships as dummy variable.  The findings indicate that bank size, liquidity risk, profitability, market discipline and type of ownership significantly effect on the bank capital adequacy. It showed that state-owned banks are percieved more secure  than  private-owned  banks  due  to  state-owned  banks  maintain  superior  capital adequacy.  On  the  other  edge,  deposits,  liquidity  risk,  market  discipline  and  type  of ownership effect on banks  pricing behavior. According to type o...

This paper purposes to analyze effects of working capital management on profitability of commercial banks. Empirical data utilized to explores the association between of working capital management and profitability indicators. Based on empirical data, some major financial indicators, credit to deposit ratio, cash reserve ratio, cash and bank balance to total deposits ratio, working capital turnover ratio and liquidity ratios considered as an independent ratio and return on assets, return on equity, and net profit margin as dependent ratios were calculated. Among 20 of the commercial banks of Nepal, only seven commercial banks are taken as sample for the research work. Data were accumulated from secondary data of annual report of model bank and central bank from 2012 to 2022 by the judgmental sampling. Major financial ratios and statistical tools were utilized for the analysis. Descriptive and inferential statistical tools utilized to obtain outcome. In this study, three regression models were tested, and the ROA, ROE, and NPM models were shown to be statistically significant. In the ROA, ROE, and NPM models, respectively, 41%, 52%, and 55% of the sample variation is explained by independent variables.

This paper explores the moderating effect of corruption control in strengthening the influence of firm attributes on corporate sustainability disclosure compliance in Nigeria. The study focuses on the existing discussion on mandatory disclosure compliance with corporate governance code. The extent of disclosure compliance is measured using a total unweighted disclosure index, developed from a panel dataset of 118 companies listed in the Nigerian capital market. The companies were selected using a proportionate stratified sampling technique. The dataset for the period of 2011 to 2017 were first analyzed by static panel regression analysis using pooled Ordinary Least Square (OLS), Fixed Effect (FE), and Random Effect (RE) models. The regression models were subjected to further robustness checks under dynamic GMM panel regression analysis, to test for possible endogeneity. The findings revealed significant moderating effect of corruption control, evidenced from the interaction of corru...

This study examines the profitability and efficiency of domestic and foreign banks of Pakistan during 2006-2010. The type of ownership of banks was divided into domestic and foreign banks. To measure the profitability and efficiency, we used interest spread, net interest margin, return on equity and return on assets and non-interest income to total assets and net interest income to total assets ratios. This study used the secondary data obtained from Financial Statements Analysis of Financial Sectors 2006-2010 published by State Bank of Pakistan. By applying different tests, we have found that although foreign banks are performing very good but the net result show that the profitability of domestic banks was higher and better as compared to foreign banks in Pakistan.

This study compares Non-Performing Assets (NPAs) of Union Bank of India and ICICI Bank from 2013 to 2023. It analyzes trends, causes, and the impact of NPAs on profitability using data from annual reports, RBI sources, and financial databases. Tools like trend and ratio analysis, along with correlation analysis, were applied. Results show Union Bank had higher NPAs than ICICI Bank, affecting profitability negatively. ICICI’s stronger credit evaluation and recovery systems helped maintain lower NPAs. The study highlights the need for improved risk management and digital tools in public sector banks to reduce NPAs and strengthen financial performance.

This study investigates the impact of profitability and liquidity on bank viability, considering capital adequacy as a moderating factor in Islamic commercial banks in Indonesia. The research sample consists of 9 Islamic commercial banks from 2018 to 2022. The dependent variable, bank survival, is assessed using Return on Assets (ROA). The independent variable, profitability, is measured by Return on Equity (ROE), with Capital Adequacy Ratio (CAR) as the moderating variable. Control variables include Net Profit Margin (NPM), Operational Efficiency (BOPO), and Loan to Deposit Ratio (LDR). Analysis is conducted using multiple linear regression with a Fixed Effects model. The findings indicate that capital adequacy functions as a pure moderator, enhancing the relationship between NPM and ROA while weakening the relationship between ROE and ROA.

Since the global financial crisis of 2007/08, many financial institutions have sought for ways to influence non-bank factors that affects their profitability to their advantage. The inability of most banks to meet the credit requirement of the Central Banks of 2004 has been attributed by some authors to internal managerial incompetency. The study investigates the extent bank specific, financial and macroeconomic variables determines bank profitability in a panel of eleven banks for the period 2007-2018. Results from the dynamic OLS methodology based on the CAMELS hypothesis estimation found that the major determinants of bank profitability in Nigeria are bank specific variables and the level of financial depth measured in terms of credit extension/intermediation. Furthermore, the results found that the system reverts back to their long run steady state indicating the possibility of collusion and inefficiency in the industry. All bank specific determinants affects profitability, however, Liquidity and Capital adequacy impacts negatively on returns International Journal of Economics, Commerce and Management, United Kingdom Licensed under Creative Common Page 167 indicating that high liquidity may reduce returns on assets whereas high capital adequacy detracts from equity share. No evidence is found as to the effect of assets quality on profitability. The study recommends capital diversification and financial liberalization.

This paper investigated the parameters that influence Islamic Banks ' financial performance in Malaysia, Indonesia, Thailand, Brunei, and Singapore. The past decades have witnessed the positive expansion of Islamic banking in Southeast Asia but a discernible drop in their profitability and assets growth may denote poor performance . This requires investigation. This quantitative study examined the factors that may influence Islamic banks ' financial performance , and found Assets Quality, Liquidity, Debt Funding and Equity funding as the significant parameters in determining Islamic banks ' financial performance among the countries examined. Also, GDP Growth Rate and interest rate were the only external parameters with positive influence on Islamic banks ' financial Performance of conventional banks vs. Islamic banks: evidence from Indonesia Danila, N. Shahwan, Y. Aulia, A. View all related documents based on references ▻ Authors ▻ Keywords Brought to you by INTERNATIONAL ISLAMIC UNIVERSITY MALAYSIA performance . Notably, Inflation and Tax rate were not significant in determining Islamic Banks ' financial performance . Accordingly, management should strengthen the practices and implementations of the profit loss sharing (PLS) based instruments among the examined Islamic banks . Hence, disparities could be decreased while the economic opportunities could be improved, particularly those that could greatly contribute to the capital build-up and the creation of economic growth.

Notwithstanding the challenges facing the financial markets and the current global economic growth prospects, the listed banks that are operating in healthy situation will remain resilient. The study sought to investigate the financial performance of listed Banks Ghana during the period of 2015 to 2018. Financial ratios were used to assess the financial performance (profitability), liquidity, credit performance and capital structure (capital adequacy). Bar charts and line graphs were used to analyse the panel data and the findings indicate that among ROA, ROE, ROD and NIM, net interest margin (NIM) is the best measure of profitability. The findings of the study also showed that the liquidity position of these banks is very alarming and aggravating as most the banks have poor liquidity issues making depositors vulnerable of losing their investments. The findings again revealed that the credit performance of the banks is very abysmal as a result of ineffective and inefficient credit a...

Indian Financial Institutions face a significant challenge with Credit Risk, as it is difficult to recover lent funds from borrowers. To understand the factors that impact Credit Risk Management in these institutions, a study was conducted using data collected from 26 institutions, including 6 non-banking and 20 banking institutions, from 2012 to 2021. The study considered both individual and macroeconomic determinants as variables, with Gross Non-Performing Assets (GNPA) as the dependent variable, and several factors including Capital Adequacy Ratio (CAR), Return on Capital Employed (ROCE), Asset Quality, Return on Assets (ROA), Market Capitalization (MCAP), bank size, Gross Domestic Product (GDP), inflation, Consumer Price Index (CPI), unemployment rate, and real interest rate as the independent variables. A Hausman test was conducted to identify the best-fit model for the panel data regressions. The results of the study suggest that ROA, MCAP, GDP, and Unemployment Rate are the primary factors that impact Credit Risk Management in Indian Financial Institutions. It is recommended that institutions focus on maintaining a healthy ROA and MCAP, while also monitoring macroeconomic factors such as GDP and the unemployment rate to mitigate credit risk. The study further indicates that Credit Risk Management should consider a combination of individual and macroeconomic determinants, rather than relying solely on individual factors such as CAR, ROCE, and asset quality. In conclusion, this study provides valuable insights for financial institutions to develop effective Credit Risk Management strategies. By considering the identified determinants of Credit Risk, institutions can mitigate their losses and maintain a stable financial position.

The aim of the paper is twofold, to contribute to the ongoing debate regarding highlighting the determinants of derivative usage by commercial banks specifically from a dual banking economy perspective, and to discuss the influence of derivatives usage on the value and stability in the financial performance of the banking sector of Pakistan. Design/Methodology/Approach: The study used the Z-Score and CAMELS Index to compare the stability analysis from different dimensions. Further, the impact of bank-controlled variables on the use of derivatives has also been analyzed. Findings: By conducting Panel regression models, the results revealed that derivatives used by banks reduce the profitability and ultimately stability of banking and increase the bank-specific risk. Implications/Originality/Value: These findings point towards serious intentions regarding using derivative instruments in an economy where dual banking is practiced.

This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables. The research was conducted on the national banking industry. The research population is the banking industry that goes public on the Indonesia Stock Exchange. The sampling technique used was purposive sampling. The research period is 2017-2019 with a sample of 37 banks. The number of pairs of data analyzed was 111 data. The data analysis technique used moderated regression analysis (MRA), with Net Interest Margin as the moderating variable. The results showed that the Loan to deposit ratio had an effect on profitability in a positive direction. Credit risk has a negative effect on bank profitability. Net interest margin is able to strengthen the relationship between loan to deposit ratio and credit risk with profitability. Penelitian ini bertujuan untuk menganalisis pengaruh Loan to deposit ratio, risiko kredit terhadap profitabilitas dan net ...

This study aims to measure the level of profitability of Islamic commercial banks in Indonesia before and during the Covid-19 pandemic. This research approach uses quantitative by using paired sample t-test as a data analysis technique. The population of 14 Islamic commercial banks is also used as a research sample with saturated sampling techniques. Measures of profitability levels used are Return on Assets (ROA), return on Equity (ROE), and Net Operating Margin (NOM). The results showed that there was a significant difference in ROA before and during the Covid-19 pandemic with a downward trend. While ROE and NOM did not make significant differences despite the decline before and during the Covid-19 pandemic.

The present study aims to compare the financial structures of the banks operating in the banking sectors of Turkey and Kyrgyzstan in the period between 2007 and 2014. Financial data of the banks of Turkey and Kyrgyzstan were used to create a sample. 10 financial ratios were used in 5 categories in order to compare the structures of the banks. The mentioned categories are related to balance sheet structure, asset quality, capital adequacy, income and expense structure, and profitability. T-test was utilized in empirical analyses. The results of the analysis suggest that Kyrgyz banks have higher capital adequacy compared to the banks in Turkey. Banks in Turkey, on the other hand, had higher levels of non -interest incomes, asset quality, return on assets and return on equity compared to the banks in Kyrgyzstan.

Objectives of this study were to examine the capital structure pattern of Sri Lankan commercial banks and to investigate the influence of capital structure pattern on net interest margin of commercial banks in Sri Lanka. This study was conducted with 10 licensed commercial banks which were listed in Colombo Stock Exchange (CSE), Sri Lanka. Panel data analysis was used to carry out the empirical study and data were extracted from the annual reports of selected companies for the ten years period from 2007 to 2016. Capital structure patterns of licensed commercial banks were measured by total debt to total assets ratio, long term debt to total assets ratio, and short term debt to total assets ratio. Net Interest Margin (NIM) was measured by net interest income to average earnings assets ratio. NIM specifies the cost and efficiency of financial intermediation by banks. Size of the banks and growth in banks deposit were considered as control variables. Descriptive statistics, correlation...

This study attempts to identify the "Bank Specific and Macro-This study attempts to identify the "Bank Specific and Macro-economic Determinants of The United Arab Emirates Commercial Banks Profitability" measured by Return on Assets, Return on Equity and Net Interest Margin. The study uses bank-specificand microeconomic factors as independent variables. The bank-specific factors include bank size, capital adequacy, assets quality, liquidity, deposits, diversification, business mix, and efficiency, while the macroeconomic factors include real Gross Domestic Product growth, Inflation Rate, and Real Interest Rate. Regression models were used to relate bank profitability ratios to the independent variables built on panel data for the period 2013-2019 of sixteen commercial banks operating in the United Arab Emirates. The results of the study show that asset size, liquidity, off-balance sheet activities, and diversification have significant impact on profitability as measured by the Net Interest Margin. In addition, loans under follow-up to total loans, and managerial efficiency are found to be highly significant variables of profitability in the context of the United Arab Emirates commercial banks as measured by Return on Assets and Return on Equity. Furthermore, diversification has a significant impact on profitability as measured by Return on Assets. The remaining bank-specific factors (capital adequacy, loans to total assets, liquidity, deposits to assets ratio, and operating expenses to total assets ratio) and macroeconomic factors have no significant effect on bank profitability. The results of the study suggest that banks can improve their profitability through maintaining high operating income, decreasing the size of nonperforming loans, full utilization of liquid assets, more concentration on the main activities, efficiently managing their operating expenses, and taking advantage of the Gross Domestic Product growth, inflation, and Interest Rate changes to improve the bank's performance and profitability. In addition, it is recommended to make further studies on the banks' performance with an expanded scope which is tobe extended to other industries.

Saya, Diana Puspitasari, SE, yang bertanda tangan di bawah ini menyatakan bahwa Tesis yang saya ajukan ini adalah hasil karya saya sendiri yang belum pernah disampaikan untuk mendapatkan gelar pada program Magister Manajemen ini ataupun pada program lainnya. Karya ini adalah milik saya, karena itu pertanggungjawabannya sepenuhnya berada di pundak saya.

The current international financial crisis has highlighted that a well-functioning financial system is significantly important for economic growth. The aim of this study is to specify an empirical framework to investigate the impact of bank-specific, industry-specific and macroeconomic determinants on the profitability, before (2000)(2001)(2002)(2003)(2004)(2005)(2006) and during (2007-2010) the international financial crisis, in the large Tunisian commercial banks. The measures of profitability that have been used in the study are the return on equity (ROE), return on assets (ROA) and net interest margin (NIM). We adopt the dynamic panel approach to correct for these potential problems by using the generalized method of moments in system (GMM in system). Our empirical study allowed us to conclude that the Tunisian banking sector was slightly exposed to the effects of the international financial crisis because of its low integration in international financial markets.

Bu calismanin amaci, proje yonetiminde lisans, yuksek lisans ve doktora dereceleri kapsaminda, Turkiye ve Avrupa Birligi ulkeleri arasinda, proje yonetiminde karsilastirmali ustunluk, olgunluk, ve gelecek trend odakli, karsilastirmali egitim programlari analizi yapmaktir. Analiz sonuclarina gore, Turkiye’de yalnizca uc universite de yuksek lisans derecesinde, ve bir bolumde doktora derecesinde mimarlik ve insaat alanlarina yonelik olarak proje yonetimi egitimi verilmektedir; diger yandan Avrupa’da yer alan bircok universite de, proje yonetiminde lisans, yuksek lisans ve doktora secenekleri bulunmaktadir. Avrupa’daki programlar genellikle is okullarinda sunulmakta olup; proje yonetiminde bircok alani kapsamaktadir. Turkiye’de yer alan is okullarinda, proje yonetimi uzerine herhangi bir program bulunmamaktadir. Turkiye’de yer alan bolumler Istanbul odakli iken; Avrupa’da ki okullarin merkez bolgelerden cevre bolgelere de yayildigi gorulmektedir.

This paper uses bank level data of 26 commercial banks for the period 2001–2010 to explore determinants of net interest margins of commercial banks of Pakistan. Based on results of this study, past net interest margins, bank soundness, operating cost, industry concentration, relative market share, inflation, real depreciation and industrial growth have statistically significant and positive impact while diversification, change in bank size, lagged liquidity, stock market development have dampening effects on net interest margins. However, impact of ownership, GDP and credit market development is statistically insignificant. Our regression results suggest that stock market development as means of alternative source of finance contributes to reduction in net interest margins while the impact of banking sector development on breaking banking cartels and bringing net interest margins down had been insignificant. Exchange rate adjustments, rate of inflation and growth of the industry als...

The banking sector is the most vital partner of development for countries' economies. It has a remarkable contribution to the country's Gross Domestic Product. This study investigates the relationship between the market interest rate and commercial banks' financial performance. As Bangladesh's banking industry is growing, it is vital to maintain a more robust profitability level for its financial stability and soundness. Banks have some determinants that have a significant impact on their performance. The convenience sampling method is used to select the targeted sample. The study includes the time series data of eight years of fifteen commercial banks listed on the Dhaka Stock Exchange in Bangladesh. Multiple variable linear regression and correlation analysis are performed to examine the relationship of market interest rate with banks' profitability with statistical software, IBM SPSS version 25, and Microsoft excel. The study explored that the market interest ...

This study aims to know, test and analyze: (1) The Effect of Operating Costs, Non-Operating Costs and Loan Deposit Ratio (LDR) on the Return On Assets (ROA) of Bank Sulawesi. (2) The Effect of Operating Costs on the Return on Assets (ROA) of Bank Sulawesi. (3) The Effect of Non-Operating Costs on the Return on Assets (ROA) of Bank Sulawesi. (4) The Effect of Loan Deposit Ratio (LDR) on the Return on Assets (ROA) of Bank Sulawesi. The design of this research is a quantitative descriptive research, data obtained from the Financial Statements of Bank Sulawesi with a time period of 2011 to 2020. The number of samples was 37 observations, the data analysis technique used was multiple linear regression with the smallest squared equation and hypothesis test using t-statistics to test the partial regression coefficient and F-statistics to test the significance of the influence together with a significance level of 5%. In addition, classical assumption tests were also carried out which included normality tests, multicollinearity tests, heteroscedasticity tests and autocorrelation tests. The results of the study show that the variables: (1) Operating Costs, Non-Operating Costs and Loan Deposit Ratio (LDR) have a positive and significant effect on the Return on Asset (ROA) at Bank Sulawesi. (2) Operating Costs have a positive and significant effect on the Return on Asset (ROA) at Bank Sulawesi. (3) Non-Operating Expenses have a positive and significant effect on the Return on Asset (ROA) at Bank Sulawesi. (4) Loan Deposit Ratio (LDR) has a positive and significant effect on Return on Asset (ROA) in Bank Sulawesi. The results of this study are expected that the variables of Operating Costs, NonOperating Costs and Loan Deposit Ratio (LDR) can be used as a guideline, both by the company's management in the management of the company, and by investors in determining investment strategies.

The results of the study simultaneously CAR, NIM, and LDR have a significant effect on banks profitability. Meanwhile, partially CAR has no effect on bank profitability (ROA), while NIM has a significant effect on bank profitability (ROA), and LDR has no effect on bank profitability (ROAs).

the purpose of this study is to see and analyze the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on the profitability (ROA) of banking companies listed on the Indonesia Stock Exchange (IDX) for the 2017 period. -2019. this type of research is a quantitative study using secondary data. The data research method in this research is the documentation method. the sample of this research is banking companies listed on the Indonesia Stock Exchange for the period 2017-2019 using purposive sampling. Samples that met the criteria in this study were 31 banks. The data analysis method in this research is multiple linear regression analysis, simultaneous test and partial test. The results of the study simultaneously CAR, NIM, and LDR have a significant effect on banks profitability. Meanwhile, partially CAR has no effect on bank profitability (ROA), while NIM has a significant effect on bank profitability (ROA), and LDR has no effect on bank ...

Research background: The innovation in Shar??ah-compliant banking products has resulted in the rapidly increasing size of assets in Islamic banks worldwide. The assets of such banks have been growing twice as fast as those of conventional banks. Islamic banks do not depend on conventional interest, speculation, or complex derivatives stemming from banking operations. Instead, their actions in respect of profit/risk sharing, and the clarity of the contract are consistent with Islamic Shar??ah principles, which seek to promote a more equal society. Purpose of the article: This research aims to identify and compare factors influencing the liquidity of Islamic and conventional banks in Europe. Candidate factors are sought amongst profitability, credit quality, credit expansion and capital adequacy indicators. Methodology: First, relevant financial ratios for 249 observations on Islamic banks and 2,306 observations on conventional banks are selected and compared for the period 2013?2017....

Artikel ini membahas pentingnya kesehatan bank dan manajemen risiko dalam konteks industri perbankan modern. Kesehatan bank diukur melalui berbagai indikator, termasuk likuiditas, profitabilitas, dan kualitas aset. Dalam era ketidakpastian ekonomi, manajemen risiko menjadi krusial untuk memastikan keberlanjutan operasional dan perlindungan terhadap aset bank. Artikel ini menganalisis berbagai teknik manajemen risiko, seperti analisis risiko kredit, pasar, dan operasional, serta pentingnya kepatuhan terhadap regulasi yang ada. Melalui studi kasus dan data empiris, artikel ini menunjukkan hubungan antara kesehatan bank yang baik dan efektivitas manajemen risiko, serta implikasinya terhadap stabilitas sistem keuangan secara keseluruhan. Dengan demikian, artikel ini memberikan wawasan bagi pemangku kepentingan di sektor perbankan untuk meningkatkan praktik manajemen risiko dan menjaga kesehatan bank dalam menghadapi tantangan global.

This study examined interest rate variations among banks in Ghana. The objective of the study was to estimate the key driving factor(s) that influences interest rate spreads in Ghana. It was also the aim of this study to examine the impact of the 2008/2009 financial crises on this relationship, to know whether ownership (foreign and local banks) differences in this relationship is significant and to know whether age of the bank determines their interest rate spread. The study used an unbalanced panel of all 28 banks from 2000 to 2011. The fixed effect estimation technique was employed throughout the analysis of data. The study found that, for bank specific variables, age of a bank was significant and a positive determinant of net interest margin while ownership structure had a significant negative impact on net interest margin. This suggests that banks that have been in operations in the country for a long time seem to enjoy higher interest margins while generally most of the foreig...

In recent timesasset quality has received a global attention in the bankmanagement as one of the most critical areas in determining the overall condition of a bank. This is borne out of continuous relevance of the effect of credit risk management on the survival of commercial banks. Hence, the objective of this study is to appraise the effects of assets quality managementon the performances of selected Nigerian commercial banks. For the study, data were collected mainly from the secondary sources such as Statistical Bulletin of the Central Bank of Nigerian (CBN), and annual reports of a sampleten (10) Nigerian commercial banks. Employed data consists of such bank performances' parameters as Return on Average Assets, Return on Average Equity, Operating Profit Margin, Net Interest Margin, and using Asset Quality Management as surrogate for the period 2006 -2011. Extracted data were analyzed using General Least Square, (GLS) estimator with fixed and random effect method via STATA 10 version. Results showed that if Nigerian commercial banks build up good quality assets, there will be increase in productivity and performance. Reason being that, the GLS and fixed effect result showed that asset quality management has significant effects on the performances of Nigerian commercial banks at 99% confidence level; since the statistical properties revealed in the model that , collectively the explanatory variables are statistically significant as Prob.> F is 0.0000 with F-statistics 40.83. Hence, Banks with low quality assets should find out the factors responsible for their low quality assets; and Nigerian commercial banks should be careful in granting credits' facilities to customers, especially, those that have operated accounts with them for less than six months.

Yang bertanda tangan di bawah ini, Diana Eka Farida, menyatakan bahwa skripsi dengan judul ANALISIS FAKTOR -FAKTOR YANG MEMPENGARUHI LOAN LOSS PROVISION BANK UMUM KONVENSIONAL DI INDONESIA (Periode 2009 -2013), adalah hasil tulisan saya sendiri. Dengan ini saya menyatakan dengan sesungguhnya bahwa dalam skripsi ini tidak terdapat keseluruhan atau sebagian tulisan orang lain yang saya ambil dengan cara menyalin atau meniru dalam bentuk rangkaian kalimat atau simbol yang menunjukkan gagasan atau pendapat atau pemikiran dari penulis lain, yang saya akui seolah-olah sebagai tulisan saya sendiri, dan/tidak terdapat bagian atau keseluruhan tulisan yang saya salin itu, atau yang saya ambil dari tulisan orang lain tanpa memberikan pengakuan dari penulis aslinya. Apabila saya melakukan tindakan yang bertentangan dengan hal tersebut di atas, baik disengaja maupun tidak, dengan ini saya menyatakan menarik skripsi yang saya ajukan sebagai hasil tulisan saya sendiri ini. Bila kemudian terbukti bahwa saya melakukan tindakan menyalin atau meniru tulisan orang lain seolaholah hasil pemikiran saya sendiri, berarti gelar dan ijazah yang telah diberikan oleh universitas batal saya terima. Semarang, 23 Desember 2015 Yang membuat pernyataan, Diana Eka Farida NIM. 12010111120012 v MOTTO dan PERSEMBAHAN "Nothing worth comes with easy" "Cukuplah ALLAH menjadi penolong kami dan ALLAH adalah sebaik -baik pelindung" QS Al Imran: 173 Skripsi ini kupersembahkan untuk: -Ibu dan Bapak yang selalu memberikan semangat, dukungan dan do'a -Adik yang selalu memberikan kasih sayang vi

Bank has strategic position to support financial system stability in Indonesia. Banking main activity is collecting third party funds and then redistribute in a credit form. Lending activity makes bank faced problems when it’s implementing, one of the problem is non performing loan. To anticipate non performing loan, bank must has reserve, so the problem doesn’t directly impacting the operational activity of bank. Form of required reserve by bank is loan loss provision, so bank has to know what factor affect the amount of loan loss provision. This study analyze the effect of return on assets , loan to deposit ratio , debt to equity ratio , reserve and loan loss provision of conventional bank Indonesia in 2009 until 2013 period. Samples that are used in this study consist of 23 conventional banks in Indonesia. Regression model in this study using least square dummy variable (LSDV) including dummy of period.Result of this study shows that return on assets has negative coefficient and ...