What determines the profitability of banks? Evidence from Spain

被引:169
作者
Trujillo-Ponce, Antonio [1 ]
机构
[1] Pablo de Olavide Univ, Dept Financial Econ & Accounting, Seville, Spain
关键词
Bank profitability; Commercial banks; Savings banks; European banking system; PANEL-DATA; PERFORMANCE; RISK; DIVERSIFICATION; EFFICIENCY; MARGINS; IMPACT; TESTS;
D O I
10.1111/j.1467-629X.2011.00466.x
中图分类号
F8 [财政、金融];
学科分类号
0202 ;
摘要
This paper empirically analyses the factors that determine the profitability of Spanish banks for the period of 19992009. We conclude that the high bank profitability during these years is associated with a large percentage of loans in total assets, a high proportion of customer deposits, good efficiency and a low doubtful assets ratio. In addition, higher capital ratios also increase the bank's return, but only when return on assets (ROA) is used as the profitability measure. We find no evidence of either economies or diseconomies of scale or scope in the Spanish banking sector. Finally, our study reveals differences in the performance of commercial and savings banks.
引用
收藏
页码:561 / 586
页数:26
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