Bank profitability: Insights from the rural banking industry in Ghana

Adusei, Michael

doi:10.1080/23322039.2015.1078270

Cited by 29 publications

(39 citation statements)

References 39 publications

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“…Z-skoru değişkenine ilişkin sonuçlarımız istikrar düzeyi yüksek (ödeme gücü riski düşük) olan ticari bankaların daha karlı olduğuna işaret etmektedir. Bu pozitif ilişki Adusei (2015) ve Boadi vd. (2016) tarafından Gana bankaları için yapılan çalışmalar tarafından da desteklenmektedir.…”

Section: Anali̇z Sonuçlariunclassified

Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey

Işık¹

2017

Pressacademia

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Purpose -The purpose of this study is to identify the internal determinants affecting profitability of 26 commercial banks (i.e. state, private, and foreign banks) in Turkey. Methodology-Fixed and random effects panel data estimation techniques are employed to evaluate the impact of various internal determinants on bank profitability in Turkish banks having different ownership structures. The estimates are based on quarterly data over the period 2009Q1-2016Q3. Findings-Estimation results generally indicate that bank profitability (i.e. return on assets) is positively affected by variables such as income diversification, deposit level, bank scale, and bank stability, but negatively influenced by variables representing credit risk, lending level, operating expenses, and capital adequacy. Conclusion-Bank profitability is affected by all bank-specific variables. However, when the sample is divided into three groups according to the ownership structure, the findings show that the effects of the bank-specific variables differ according to the bank ownership structure.Keywords: Turkish banking sector, commercial banks, internal determinants of profitability, panel data analysis, Turkey. JEL Codes: C23, E44, G21. TÜRKİYE'DE FAALİYET GÖSTEREN KAMU, ÖZEL VE YABANCI SERMAYELİ TİCARİ BANKALARIN KARLILIĞININ İÇSEL BELİRLEYİCİLERİ ÖZETAmaç-Bu çalışmanın amacı Türkiye'deki 26 kamu, özel ve yabancı sermayeli ticari bankanın kârlılığını etkileyen içsel faktörleri tespit etmektir. Yöntem-Farklı mülkiyet yapılarına sahip Türk bankalarında çeşitli içsel belirleyicilerin banka kârlılığı üzerindeki etkisini değerlendirmek için sabit ve tesadüfi etkiler paneli veri tahmin teknikleri kullanılmıştır. Tahminler 2009Ç1-2016Ç3 dönemine ait üçer aylık verilere dayanmaktadır. Bulgular-Tahmin sonuçları genel olarak banka karlılığının (aktif karlılığı) gelir çeşitlendirme, mevduat düzeyi, banka ölçeği ve banka istikrar düzeyi gibi değişkenlerden pozitif yönde etkilendiğini ancak kredi riski, kredilendirme düzeyi, faaliyet giderleri ve sermaye yeterliliğini temsil eden değişkenlerden negatif yönde etkilendiğini göstermektedir. Sonuç-Banka kârlılığı değişkeni bankaya özgü tüm değişkenlerden etkilenmektedir. Ancak, banka örneklemi mülkiyet yapısına göre üç gruba ayrıldığında, bulgular bankaya özgü değişkenlerin banka karlılığı üzerindeki etkilerinin mülkiyet yapısına göre farklılık gösterdiğini ortaya koymaktadır.Anahtar Kelimeler: Türk bankacılık sektörü, ticari bankalar, karlılığın içsel belirleyicileri, panel verileri analizi, Türkiye.

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Section: Anali̇z Sonuçlariunclassified

Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey

Işık¹

2017

Pressacademia

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“…The greater the ROA shows the better the company performance, because the rate of return is greater ( Bobirca & Miclaus., 2007;Košak., 2011;Mirzaei, Moore, & Liu: 2013;Stiroh:2004a;Coelli & Rao:2005). The bank ratios affect ROA are: ROA, CAR, LDR, BOPO, and NPL (Blaszczyk., et all.,2003;Tochkov & Nenovsky., 2011;Adusei:2015).…”

Section: Resultsmentioning

confidence: 99%

Implication of Capital Liquidity to the Profitability of Commercial Banks in Indonesia

2019

RJFA

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This study aims to determine whether there are implications of liquidity core capital on the profitability of commercial banks book IV in 2012-2016 in Indonesia, other things also to know the magnitude of the influence of capital adequacy and liquidity on bank profitability. The variables to measure bank profitability are Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Return on Asset (ROA). The sample of this research is 5 banks in Indonesia from 2012 until 2016. This research method use multiple linear regression. The research hypothesis was tested using F-test statistic and T-test statistic. The analysis shows that CAR is proportional to ROA, but LDR is inversely proportional to ROA. LDR has a significant negative effect (with p-value 0.026) on ROA. If the LDR value is too high, it means that the bank does not have sufficient liquidity to cover its obligations to customers is Third Party Fund (TPF).

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“…Fifthly, loan-to-deposit ratio: According to Monyi (2017), this ratio is used to assess the liquidity of microfinance institutions, and there is a correlation between the loan-to-deposit ratio and net income. Besides, according to Adusei (2015), liquid assets usually have lower rates of return; therefore, lower loan-to-deposit ratio would signal lower profitability and vice versa. H2.5: There is a positive relationship between the loan-to-deposit ratio and the profitability of PCFs.…”

Section: Factors Affecting Profitability Of Pcfsmentioning

confidence: 99%

The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

Ha¹

2020

10.5267/j.ac

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This study purposes to discover the interactive relationship between credit growth and profitability and to examine factors that affect the credit growth and profitability of people's credit funds (PCFs). After regression analysis on a set of panel data from 2013 to 2018 on 24 selected PCFs, it appeared that deposit growth and loan-to-deposit ratio had positive relationships with credit growth, and capital adequacy ratio and profitability had negative relationships with credit growth of PCFs. The age of PCFs has a positive relationship with profitability, while the credit growth, debt-to-equity ratio, non-performing loan ratio, economic growth and inflation have negative relationships with profitability of PCFs. The study found the credit growth and profitability have relationships with each other in a contrary trend. Based on the findings the study proposes policy measures that could be implemented by the managers to increase PCFs' credit growth rate and profitability.

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Bank profitability: Insights from the rural banking industry in Ghana

Cited by 29 publications

References 39 publications

Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey

Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey

Implication of Capital Liquidity to the Profitability of Commercial Banks in Indonesia

The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

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