Factors Affecting Bank Profitability in Pakistan

Sehrish Gul

365 citations0/0 files storedRePEc: Research Papers in Economics

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Banking stability, regulation, efficiency Islamic Finance and Banking Studies Banking Sector Performance and Management

Abstract

The purpose of this research is to examine the relationship between bank-specific and macro-economic characteristics over bank profitability by using data of top fifteen Pakistani commercial banks over the period 2005-2009. This paper uses the pooled Ordinary Least Square (POLS) method to investigate the impact of assets, loans, equity, deposits, economic growth, inflation and market capitalization on major profitability indicators i.e., return on asset (ROA), return on equity (ROE), return on capital employed (ROCE) and net interest margin (NIM) separately. The empirical results have found strong evidence that both internal and external factors have a strong influence on the profitability. The results of the study are of value to both academics and policy makers.

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References

1958The Cost of Capital, Corporation Finance and the Theory of Investment 2006Bank-specific, industry-specific and macroeconomic determinants of bank profitability 1999Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence 1992Determinants of European bank profitability: A note 1995The Profit-Structure Relationship in Banking--Tests of Market-Power and Efficient-Structure Hypotheses 2004Dynamics of Growth and Profitability in Banking 2012Cyclical patterns in profits, provisioning and lending of banks and procyclicality of the new Basel capital requirements 2001Financial Structure and Bank Profitability

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