Determinants of banks' profitability: evidence from EU 27 banking systems

被引：164

作者：

Petria, Nicolae ^{[1
]}

Capraru, Bogdan ^{[2
]}

Ihnatov, Iulian ^{[2
]}

机构：

[1] Lucian Blaga Univ Sibiu, Sibiu 550324, Romania

[2] Alexandru Ioan Cuza Univ, Carol 1 Bvd 22, Iasi 700505, Romania

来源：

GLOBALIZATION AND HIGHER EDUCATION IN ECONOMICS AND BUSINESS ADMINISTRATION - GEBA 2013 | 2015年 / 20卷

关键词：

bank profitability; banking system; European Union; INTEREST MARGINS; MARKET; EFFICIENCY; PERFORMANCE; RISK;

D O I：

10.1016/S2212-5671(15)00104-5

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

In this study we assess the main determinants of banks' profitability in EU27 over the period 2004-2011. We split the factors that influence bank profitability in two large groups: bank-specific (internal) factors and industry specific and macroeconomic (external) factors. We consider as proxy for banks profitability the return on average assets (ROAA) and the return on average equity (ROAE). The empirical findings are consistent with the expected results. Credit and liquidity risk, management efficiency, the diversification of business, the market concentration/competition and the economic growth have influence on bank profitability, both on ROAA and ROAE. An interesting and valuable result is the positive influence of competition on bank profitability in EU27. (C) 2015 The Authors. Published by Elsevier B.V.

引用

页码：518 / 524

页数：7

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