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2 edition of Bank profitability found in the catalog.

Bank profitability

Dimitris N. Chorafas

Bank profitability

from cost control to pricing financial products and services

by Dimitris N. Chorafas

  • 156 Want to read
  • 34 Currently reading

Published by Butterworths in London .
Written in English

    Subjects:
  • Banks and banking.

  • Edition Notes

    Includes index.

    StatementDimitris N. Chorafas.
    Classifications
    LC ClassificationsHG1601
    The Physical Object
    Paginationxiv,374p. ;
    Number of Pages374
    ID Numbers
    Open LibraryOL21383112M
    ISBN 100406157006

    Impact of NPAs on Bank Profitability: An Empirical Study: /ch NPA is a “termite” for the banking sector. It affects liquidity and profitability of the bank to a great extent; in addition, it also poses a threat to theAuthor: Saurabh Sen, Ruchi L. Sen.   Trends in bank profitability and factors affecting it are major indicators of changes in the state of health of national banking systems. This publication provides nationally aggregated financial statements of banks data for OECD member countries.

    How have other sources of bank profitability changed over time? Ninth District banks' net income or profit was up a healthy 23 percent from to Part of this increase came from higher net interest income, the difference between what banks earned from . on the determinants of bank profitability (ROAA, ROAE, and risk-adjusted returns) and the price-to-book ratio, high problem loans ratios, high funding costs, and low-cost efficiency (cost-to-income ratio) are associated with low bank profitability. This paper contributes to the existing literature on bank profitability and financial stabilityAuthor: TengTeng Xu, Kun Hu, Udaibir S Das.

      But their profitability remains below their long-run cost of capital, which most banks estimate to be in the range of %. 1 Low profitability prospects translate into low bank valuations, as observed in price-to-book ratios well below one, hindering the ability to raise capital, where : Reg Hub. Downloadable! This paper examines the impact of negative policy interest rate (NPIR) on bank profitability. In particular, we analyze the impact on its profitability after adding the gap cost to the Monti-Klein()'s bank profit function which considers three important interest rates in the monetary policy transmission- interbank rate, deposit rate, and loan : Jae-Joon Han, Inhwan So.


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Bank profitability by Dimitris N. Chorafas Download PDF EPUB FB2

Bank Profitability. Like all businesses, banks profit by earning more money than what they pay in expenses. The major portion of a bank's profit comes from the fees that it charges for its services and the interest that it earns on its assets.

Its major expense is the interest paid on its liabilities. The purpose of this study was to assess the impact of financial innovations on the profitability of banks in Ghana. A case Bank profitability book was carried out on Fidelity Bank Ghana Limited, to ascertain how the bank embarks on financial innovation and its impact.

Banking Profitability and Performance Management measure the operational efficiency of a bank. Profitability based measurement on the other hand can serve as a more robust and inclusive means to measure terms of Price/ Book (P/B) multiple at which their shares trade.

Trends in bank profitability and factors affecting it are major indicators of changes in the state of health of national banking systems. These OECD statistics, based on financial statements of banks, provide a unique tool for analysing developments in bank profitability.

ALSO AVAILABLE ON CD-ROM AND ON LINE Bank Profitability is also available on CD-ROM, in Beyond 20/20™ for. Financial structure and bank profitability (English) Abstract.

Countries differ in the extent to which their financial systems are bank-based or market-based. The financial systems of Germany and Japan, for example, are considered bank-based because banks play Cited by:   The study of banking profitability involving a range of bank which is the biggest in scale Bank profitability book to Demirguc-Kunt and Huizinga ().

Their paper considered such banking characteristics as legal indicators, macroeconomic conditions, financial structure, size, taxation and regulation and others to study the determinants of bank profitability.

Moody’s|KMV Economics of the Bank and of the Loan Book 5 management activities of the bank from the underwriting and non-portfolio services of the bank. This decomposition is very useful in understanding bank performance, as these two parts of the bank have File Size: KB.

Equity will be a buffer for the bank when there is a fluctuation in profitability. Equity-to-assets ratio can have a positive or negative relationship with bank profitability.

A bank that has a relatively big portion of equity is a prudent bank; hence they have Author: Nuraini Yuanita. BANK PROFITABILITY: FINANCIAL STATEMENTS OF BANKS 1. Standard framework for detailed statistics by country National data are grouped and, where necessary, re-classified to fit as far as possible into the following standard framework of presentation.

Income statement 1. Interest incomeFile Size: 10KB. Trends in bank profitability and factors affecting it are major indicators of changes in the state of health of national banking systems. OECD statistics published annually under the title Bank Profitability -- Financial Statements of Banks, provide a unique tool for analysing developments in bank profitability in twenty-nine Member countries.

Cyclical factors have helped improve bank profitability in recent years. Bank performance is closely linked to economic activity. In fact, bank profitability has improved in the past few years on the back of continued economic growth, with euro area banks’ ROE reaching 6% in. “Low-For-Long” Interest Rates and Banks’ Interest Margins and Profitability: Cross- Country Evidence Stijn Claessensa,b,c, Nicholas Colemana, and Michael Donnellya Abstract: Interest rates in many advanced economies have been low for almost a decade now and are often expected to remain by: 4.

Get this from a library. Bank Profitability. [OECD Publishing; Organisation for Economic Co-operation and Development] -- This publication complements Bank Profitability: Financial Statements of Banks. The notes included in this volume were prepared to facilitate. To determine the profitability of banks, simply looking at the earnings per share isn't quite enough.

It's also important to know how efficiently a bank is using its assets and equity to generate. Bank Profitability and Risk Control: Economics Books @ Skip to main content. Try Prime Hello, Sign in Account & Lists Sign in Account & Lists Orders Try Prime Cart.

Books. Go Search Today's Deals Best Sellers Customer Service Find a 3/5(1). Fluctuations of bank profitability matter also because of the “bank capital channel” (Van den Heuvel, ), which is based on the hypothesis of an imperfect market for bank equity: banks cannot easily issue new equity because of the presence of agency costs and tax disadvantages (Myers and Majluf,Cornett and Tehranian, Cited by: Bank Performance: A Theoretical and Empirical Framework for the Analysis of Profitability, Competition and Efficiency (Routledge International Studies in Money and Banking Book 48) - Kindle edition by Bikker, Jacob, Bos, Jaap W.B.

Download it once and read it on your Kindle device, PC, phones or tablets. Use features like bookmarks, note taking and highlighting while reading Bank Performance 3/5(1). Economic literature pays a great deal of attention to the performance of banks, expressed in terms of competition, concentration, efficiency, productivity and profitability.

This book provides an. In the literature, bank profitability is usually expressed as a function of internal and external determinants. The internal determinants originate from bank accounts (balance sheets and/or profit and loss accounts) and therefore could be termed micro or bank-specific determinants of profitability.

Measuring Lending Profitability at the Loan Level: An Introduction FINANCIAL PERFORMANCE market, and uses its own cost of funds as a pricing assumption, the conclusion will invariably be that all of their loans are extremely profitable, and that the bank can offer the lowest loan rates in File Size: 1MB.

How to Calculate Profitability Ratios for Banks. In an economy that is ever-fluctuating, investors want to know that their money is safe.

Since some banks have performed financial belly-flops, you may want to investigate a bank's profitability before you place your money in their care. Three primary measures of.Over this period, bank funding costs have been exceptionally low, but the average rates of return on bank assets have continued to fall.

Loans made in the past at relatively high interest rates have been replaced by new loans with lower interest rates as well as by low-yielding reserves and securities. Profitability is the degree to which an activity yields profit or financial gain.

While this concept is simple to understand, in reviewing a bank’s financial statements where profitability can be easily measured for past performance, bankers often don’t measure the profitability of a loan at inception and certainly not with the same level of certainty. This is especially true when the loan.