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Effect of Bank Innovations on Profitability and Return on Assets (ROA) of Commercial Banks in Lebanon

Author

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  • Ijaz Ali
  • Noor Muhammad
  • Ali Gohar

Abstract

The purpose of this research is to study bank innovations in the field of mobile banking, debit and credit cards, automated machines (ATM), internet banking, point of sale terminals (PST) and electronic funds transfer (EFT). It purposely looked into those innovations in relation to their influence on profitability and return on assets (ROA) of Lebanese commercial banks. Data was collected through a research questionnaire, and statistical analysis was done using the Package of Social Sciences Software (SPSS). The results revealed that there is a significant positive impact of bank innovations on profitability and return on assets of Lebanese commercial banks and significance tests also showed that the impact was statistically significant. Based on the results of the study, it can be concluded that bank innovations affect profitability and return on assets (ROA) of commercial banks in Lebanon positively.

Suggested Citation

  • Ijaz Ali & Noor Muhammad & Ali Gohar, 2017. "Effect of Bank Innovations on Profitability and Return on Assets (ROA) of Commercial Banks in Lebanon," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 9(4), pages 35-50, April.
    • Handle: RePEc:ibn:ijefaa:v:9:y:2017:i:4:p:35-50
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    References listed on IDEAS

    as
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    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    bank innovations; commercial banks; profitability; return on assets (ROA);
    All these keywords.

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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