Bankacılık Sektöründe Kârlılığın Belirleyicileri: Filistin'den Pilot Kanıt; 1995-2015

Bu çalışmanın amacı, 1995-2015 döneminde, bankacılık sektörünün konsolide bilançosundan bir bütün olarak Filistin'de alınan banka verilerini kullanarak, banka karlılığı üzerine banka spesifik ve ana makroekonomik özellikler arasındaki ilişkiyi incelemektir. Bu makale, aktiflerin getirisi (ROA), özkaynak kârlılığı (ROE) ve net faiz marjı (NIM) gibi aktif kârlılık göstergelerine, varlıkların, sermayenin, kredilerin, mevduatın, ekonomik büyümenin ve enflasyonun etkisini araştırmak için Adi En Küçük Metraj yöntemi kullanmaktadır. ), ayrı ayrı. Ampirik sonuçlar, iç faktörlerin enflasyonun kârlılığı ve dış faktörleri üzerinde etkili olduğuna ve kişi başına düşen GSYİH'nın kârlılığı beklenen etki ile etkilediğine dair güçlü kanıtlar bulmuştur. Bu sonuçlar hem akademisyenler hem de politika yapıcılar için değerlidir.

Determinants of Banking Sector Profitability: Empirical Evidence from Palestine; 1995-2015

The objective of this study is to examine the relationship between bank specific and main macroeconomic characteristics over bank profitability by using data of banks taken from the consolidated balance sheet of banking sector as a whole in Palestine, over the period 1995-2015.  This paper uses  the Ordinary Least Square method to investigate the effect of  assets, capital, loans, deposits, economic growth and inflation on major profitability indicators i.e., return on assets (ROA), return on equity (ROE) and net interest margin (NIM), separately. The empirical results have found strong evidence that internal factors have an influence on the profitability and external factors of inflation and GDP per capita of factors affect the profitability with the expected effect. These results are of value to both academics and policy makers.

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