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An Analysis of the Profitability, Risk and Growth Indicators of Banks Operating In Malta

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  • Silvio John Camilleri

    (Banking & Finance Department - FEMA, University of Malta)

Abstract

The paper consolidates the summarised financial statements of the main banks operating in Malta during the year 2002, to form a Typical Large Bank and a Typical Small Bank. The rofitability, risk and growth prospects of the two institutions are analysed through Return on Equity decomposition and the use of other financial ratios. Various differences between large and small institutions emerge. In particular, larger institutions realised higher profitability and cost control; they were more capitalised in absolute terms and relied relatively less on interest income. Smaller institutions generated comparatively more revenue; they were more capitalised in relative terms, were relatively more provisioned against loan losses and held a higher proportion of liquid assets.

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File URL: http://128.118.178.162/eps/fin/papers/0507/0507021.pdf
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Bibliographic Info

Paper provided by EconWPA in its series Finance with number 0507021.

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Length: 17 pages
Date of creation: 29 Jul 2005
Date of revision:
Handle: RePEc:wpa:wuwpfi:0507021

Note: Type of Document - pdf; pages: 17
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Web page: http://128.118.178.162

Related research

Keywords: Return on Equity Model; Banks; Malta; Indicators;

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  1. Berger, Allen N. & Humphrey, David B., 1997. "Efficiency of financial institutions: International survey and directions for future research," European Journal of Operational Research, Elsevier, vol. 98(2), pages 175-212, April.
  2. Wright, April, 2002. "The impact of competition on the operations of foreign banks in Australia in the post-deregulation period," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 12(4-5), pages 359-375.
  3. Xavier Vives, 2001. "Competition in the Changing World of Banking," Oxford Review of Economic Policy, Oxford University Press, vol. 17(4), pages 535-547.
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