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Factors Affecting Bank Profitability in Pakistan

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Author Info

  • Sehrish Gul

    ()
    (COMSATS Institute of Information Technology, Abbottabad, Pakistan)

  • Faiza Irshad

    ()
    (COMSATS Institute of Information Technology, Abbottabad, Pakistan)

  • Khalid Zaman

    ()
    (COMSATS Institute of Information Technology, Abbottabad, Pakistan)

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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Bibliographic Info

Article provided by Department of International Business and Economics from the Academy of Economic Studies Bucharest in its journal Romanian Economic Journal.

Volume (Year): 14 (2011)
Issue (Month): 39 (March)
Pages: 61-87

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Handle: RePEc:rej:journl:v:14:y:2011:i:39:p:61-87

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Related research

Keywords: Financial Institutions; Banks; Profitability; Return on Assets; Correlation; Pooled OLS; Pakistan.;

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References

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  1. Athanasoglou, Panayiotis & Brissimis, Sophocles & Delis, Matthaios, 2005. "Bank-specific, industry-specific and macroeconomic determinants of bank profitability," MPRA Paper 32026, University Library of Munich, Germany.
  2. Demirguc-Kunt, Asli & Huizinga, Harry, 1998. "Determinants of commercial bank interest margins and profitability : some international evidence," Policy Research Working Paper Series 1900, The World Bank.
  3. Molyneux, Philip & Thornton, John, 1992. "Determinants of European bank profitability: A note," Journal of Banking & Finance, Elsevier, vol. 16(6), pages 1173-1178, December.
  4. Demirguc-Kunt, Asli & Huizinga, Harry, 2000. "Financial structure and bank profitability," Policy Research Working Paper Series 2430, The World Bank.
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Cited by:
  1. Songül KAKÝLLÝ ACARAVCI & Ahmet Ertugrul ÇALIM, 2013. "Turkish Banking Sector’s Profitability Factors," International Journal of Economics and Financial Issues, Econjournals, vol. 3(1), pages 27-41.
  2. Asikhia Olalekan & Sokefun Adeyinka, 2013. "Capital Adequacy And Banks’ Profitability Of Deposit Taking: An Empirical From Nigeria," Far East Journal of Psychology and Business, Far East Research Centre, vol. 13(4), pages 32-41, October.
  3. Majid Karimzadeh & S. Jawed Akhtar & Behzad Karimzadeh, 2013. "Determinants of Profitability of Banking Sector in India," Transition Studies Review, Springer, vol. 20(2), pages 211-219, October.
  4. Vincent Okoth Ongore & Gemechu Berhanu Kusa, 2013. "Determinants of Financial Performance of Commercial Banks in Kenya," International Journal of Economics and Financial Issues, Econjournals, vol. 3(1), pages 237-252.

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