scholarly journals Performance of China-Owned Banks in Hong Kong

2012 ◽  
Author(s):  
Xiaoxi Zhang ◽  
Kevin B Daly
Keyword(s):  
Hong Kong ◽  
Mainland China ◽  
Foreign Banks ◽  
Test Model ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Hong Kong Sar ◽  
Interest Expense ◽  
Interest Margin

This paper reports results on the performance of mainland China-owned banks operating in Hong Kong and compares them Hong Kong (SAR) owned banks and Foreign owned banks. In general, the test model performs well under diagnostic tests on variables such as net interest margin, non-interest expense, impaired loans ratio, equity multiplier and ownership structures. Profitability, as measured by return on assets and return on equity for Chinese owned banks increased over the period 2004-2011. Chinese owned banks recorded increased performance in terms of net interest margin and equity multiplier but decreased with respect to non-interest expense and impaired loans ratio. Banks having a license also appears to be a major contributor to banks profitability across HKSAR. Compared to Hong Kong based foreign banks and local Hong Kong banks, we found that in general the mainland China banks tend to perform poorly across a number of key banking performance indicators.  

scholarly journals Analysis of the efficiency of state, private and foreign banks of Ukraine

2020 ◽  
Keyword(s):  
Banking System ◽  
Foreign Banks ◽  
Return On Assets ◽  
Return On Equity ◽  
The Public ◽  
Average Return ◽  
Net Interest Margin ◽  
Private Banks ◽  
Income Ratio ◽  
Interest Margin

In the early 1990s, private capital began to play a significant role in Ukraine's banking system, while the public sector was represented by only two banks: Oschadbank and Ukreximbank. However, after the financial crisis of 2008-2009, the number of state-owned banks increased. As of the end of 2019, there were 75 banks in Ukraine (4 of them - state and 35 - with foreign capital). The subject of the study is the financial performance of public, private and foreign banks in Ukraine. The purpose of this article is to analyze and compare the efficiency of public, private and foreign banks in Ukraine for the period 2014-2019. To achieve the goal of the study, a quantitative approach to the study is used, using analysis of financial ratios such as net interest margin (NIM), average return on equity (ROAE), average return on assets (ROAA) and cost-to-income ratio (CIR). 4 state, 4 largest foreign and 2 private banks (by number of assets) were selected for the study. The study showed that the largest share of net assets in the banking system of Ukraine is occupied by state-owned banks, while the share of foreign banks continued to decline, and the share of private banks was the smallest in the banking system. However, the best indicators of net interest margin (NIM), average return on equity (ROAE), average return on assets (ROAA) and cost-to-income ratio (CIR) in the last 3 years were demonstrated by foreign banks. It should be noted that state-owned banks were able to significantly improve their results compared to 2016 (in particular, this applies to PrivatBank). To increase their efficiency, state-owned banks must get rid of non-performing loans (currently more than 63% of their loan portfolio is considered inefficient (UAH 403 billion)). Also, inviting foreign investors to the capital of state-owned banks can improve the performance of banks and provide significant additional revenues to the budget (from 15 to 40 billion UAH), which can significantly affect their revenue side.

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 13-20
Author(s):  
Amrizal Amrizal
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Average Increase ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

scholarly journals Corporate Governance, Political Connections, and Bank Performance

2019 ◽  
Vol 7 (4) ◽  
pp. 62 ◽  
Author(s):  
Haris ◽  
Yao ◽  
Tariq ◽  
Javaid ◽  
Ain
Keyword(s):  
Corporate Governance ◽  
Profit Margin ◽  
Political Connections ◽  
Return On Assets ◽  
Board Size ◽  
Bank Profitability ◽  
Return On Equity ◽  
Net Interest Margin ◽  
The Impact ◽  
Interest Margin

This study investigates the impact of corporate governance characteristics and political connections of directors on the profitability of banks in Pakistan. The study uses the data of 26 domestic banks over the latest and large period of 2007–2016. Our findings firstly affirm that bank profitability is negatively affected by the presence of politically connected directors on the board, reporting significantly lower return on assets, return on equity, net interest margin, and profit margin. Secondly, our findings also affirm the negative political influence on the sustainability of the banking industry, reporting significantly lower return on assets, return on equity, net interest margin, and profit margin during the government transition of banks having politically connected directors sitting on their board. Our findings further report an inverted U-shaped relationship between board size and bank profitability, suggesting that a board size beyond 8–9 members decreases the profitability. The study further finds a positive impact of board composition, board independence, and director compensation on bank profitability, while also finding a negative impact of frequent board meetings, presence of foreign directors, and audit committee independence.

scholarly journals Fatores determinantes da rentabilidade bancária: Análise dos maiores bancos brasileiros no período de 2007 a 2017

e3 ◽  
2020 ◽  
Vol 5 (2) ◽  
pp. 003-016
Author(s):  
Welber Batista
Keyword(s):  
Least Squares ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Interest Margin

O objetivo deste estudo é analisar os fatores determinantes da rentabilidade do setor bancário brasileiro, medido por três indicadores: Rentabilidade dos Ativos (return on assets - ROA), Rentabilidade do Capital Próprio (return on equity - ROE) e Margem Líquida dos Juros (net interest margin - NIM). A metodologia explicativa das variáveis selecionadas consiste em um modelo econométrico que combina as caraterísticas específicas dos bancos, elementos setoriais e variáveis macroeconômicas, obtendo-se estimativas com recurso aos mínimos quadrados ordinários PLS (panel least squares-painel) com efeitos fixos. A amostra é constituída por dados semestrais de um painel dos dez maiores bancos do Brasil em ativos totais, no período compreendido entre 2007 a 2017. Os resultados indicam que a rentabilidade das instituições bancárias brasileiras depende da evolução das suas variáveis específicas, sendo entretanto grandemente influenciado pelos determinantes macroeconômicos, cuja significância estatística é recorrente. Contudo, a preponderância dos fatores explicativos para as proxies da rentabilidade (ROA, ROE e NIM) não foram uniforme. Os fatores que melhor explicam o indicador ROA são a qualidade dos ativos e a variável exógena do crescimento do produto interno bruto - PIB, enquanto que para o indicador ROE acrescem duas variáveis internas: alavancagem financeira e eficiência. Quando a medida da rentabilidade utilizada é o indicador NIM, as regressões evidenciam um nível explicativo global superior com as seguintes variáveis específicas: alavancagem financeira, qualidade do ativo, liquidez, custo do financiamento e estrutura do ativo, influênciando significativamente na rentabilidade. Destaca-se também a importância da concentração bancária, do crescimento do PIB e em menor grau da taxa de juro e inflação, como determinantes do NIM.

scholarly journals Pengaruh Net Interest Margin, Return On Equity, Return On Asset, Capital Adequacy Ratio terhadap Price Book Value Pada Bank Umum di Indonesia

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Yusuf Iskandar
Keyword(s):  
Stock Exchange ◽  
Analysis Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Book Value ◽  
Service Companies ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

Economic development in Indonesia can have an influence on companies, especially service companies such as banks. Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. The analytical tool in this study using multiple regression analysis. Data analysis was carried out on banking companies listed on the Indonesian stock exchange in 2016 - 2018. As many as 15 banks that met the criteria as the study population, all members of the population were used as the research sample. The results of this study indicate that the net interest margin has a significant effect on the price book value, the return on equity has a significant effect on the price book value, the return on assets has a significant effect on the price book value and the capital adequacy ratio has a significant effect on the price book value.

scholarly journals Pengaruh ROA, ROE, dan NIM terhadap Harga Saham pada Perusahaan Sektor Perbankan yang Terdaftar di BEI Periode 2015-2019

2020 ◽  
Vol 5 (1) ◽  
pp. 75-84
Author(s):  
Purwanti Purwanti
Keyword(s):  
Annual Report ◽  
Random Effect ◽  
Return On Assets ◽  
Return On Equity ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Interest Margin

Penelitian ini bertujuan untuk menguji pengaruh Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) terhadap Harga Saham pada Perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia periode 2015-2019. Jenis penelitian ini menggunakan penelitian kuantitatif. Teknik analisis yang digunakan adalah analisis regresi data panel dengan bantuan program statistik Econometric Views (Eviews) versi 9, model dalam penelitian ini menggunakan model Random Effect. Populasi dari penelitian ini adalah 45 perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia periode 2015-2019 dengan menggunakan metode purposive sampling maka diperoleh sampel sebanyak 27 perusahaan dan didapat 135 data yang diperoleh dari laporan keuangan tahunan dan annual report perusahaan. Hasil penelitian membuktikan bahwa ROA, ROE, dan NIM secara parsial berpengaruh positif terhadap Harga Saham. Berdasarkan hasil uji koefisien determinasi (Adjusted R-square) dinyatakan bahwa variabel independen memiliki pengaruh terhadap variabel dependen sebesar 50,36% dan sisanya dipengaruhi faktor lain diluar variabel penelitian ini.

scholarly journals Pengaruh ROA, ROE Dan NIM Terhadap Return Saham Bank BUMN

2020 ◽  
Vol 17 (2) ◽  
Author(s):  
Aam Abdul Salam ◽  
Vivin Rahmawati ◽  
Widya Marviani ◽  
Iskandar Ahmaddien
Keyword(s):  
Linear Regression ◽  
Stock Returns ◽  
Statistical Methods ◽  
Stock Exchange ◽  
Share Price ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Data Source ◽  
Interest Margin

AbstractFrom this research aims to find out return on assets, return on equity and net interest margin that affect simultaneously or in part against the share price on the Indonesia Stock Exchange.This research is a comparative causal data source used from bank aunual reports 2015 to 2019 from the Indonesia Stock Exchange. According to the criteria in this study, the sample is 4 i.e. state-owned banks. To analyze models and test research hypotheses, we used several statistical methods of linear regression analysis.Based on the results of hypothetical research and tests, we can conclude as follows:1) ROA, ROE and NIM have a significant effect on stock returns.2) ROA and ROE ratios, partially affecting stock returns, while NIM ratios have been shown to have no affect.

scholarly journals The Impact of Capital on Bank Profitability: Case of Tunisia

2021 ◽  
pp. 7-20
Author(s):  
Mohamed Aymen Ben Moussa ◽  
Hédi Trabelsi ◽  
Adel Boubaker
Keyword(s):  
Capital Adequacy ◽  
Bank Capital ◽  
Return On Assets ◽  
Bank Profitability ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Impact ◽  
The Relationship ◽  
Interest Margin

The capital adequacy ratio measures the ability of a financial institutions to meet its liabilities by comparing its capital with assets. This article studied the relationship between bank capital and bank profitability measured by (Return on assets; return on equity; net interest margin). We used a method of static panel for a sample of 11 banks in Tunisia between (2000…2018). We found that bank capital has a significant impact on ROA. But capital has a non significant effect on bank return on equity and not significant impact on bank net interest margin.

scholarly journals ANALISIS RISK PROFILE, EARNING DAN CAPITAL UNTUK MENILAI KESEHATAN BANK

2020 ◽  
Vol 3 (3) ◽  
pp. 327
Author(s):  
Cindy Ida Ayu Fatikasari ◽  
Titing Suharti ◽  
Renea Shinta Aminda
Keyword(s):  
Risk Profile ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Interest Margin

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank, serta untuk mengetahui rasio berdasarkan risk profile, erning dan capital menggunakan analisis laporan keuangan tahunan. Bank yang sehat adalah bank yang dapat menjaga dan memelihaara kepercayaan masyarakat, dapat menjalakan fungsi intermediasi, membantu memperlancar pembayaran serta digunakan oleh pemerintah dalam melaksanakan berbagai kebijakan, terutama kebijakan moneter Kesehatan bank dihitung menggunakan analisis rasio NPL (Non Performing Loan), LDR (Loan to Deposit Ratio), ROA (Return On Assets), ROE (Return On Equity), NIM (Net Interest Margin), CAR (Capital Adequency Ratio). Berdasarkan analisis kesehatan bank menunjukkan rasio bahwa rata-rata rasio NPL PT. Bank Mandiri (Persero)Tbk sebesar 1,42%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 3,40%. Rata-rata rasio LDR PT. Bank Mandiri (Persero) Tbk sebesar 69,58%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 96,66%. Rata-rata rasio ROA PT. Bank Mandiri (Persero) Tbk sebesar 3,04%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 1,63%. Rata-rata rasio ROE PT. Bank Mandiri (Persero) Tbk sebesar 17,66%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 12,84%. Rata-rata rasio NIM PT. Bank Mandiri (Persero) Tbk Sebesar 4,53%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 4,43%. Rata-rata rasio CAR PT. Bank Mandiri (Persero) Tbk sebesar 17,35%, PT. Bank Tabungan Negara (Persero) Tbk sebesar 17,43%. dari rata-rata kesehatan bank selama sebelas tahun berturut-turut pada PT.Bank Mandiri (Persero) Tbk mendapat predikat Sangat Sehat dengan rata-rata 96,67% dan PT. Bank Tabungan Negara (Persero) Tbk mendapat predikat sehat dengan rata-rata 86,67%.

scholarly journals The Effect of Declarations of Sustainability Reports on Financial Performances of Banks in Turkey

2020 ◽  
Author(s):  
Ömer Dinçer ◽  
Ayşenur Altınay
Keyword(s):  
Human Resources ◽  
Financial Performance ◽  
Banking Sector ◽  
Performance Criteria ◽  
Return On Assets ◽  
Return On Equity ◽  
Sustainability Criteria ◽  
Net Interest Margin ◽  
Sustainability Reports ◽  
Interest Margin

Banking sector is generally taken out of sample while the sustainability performance, and the financial performance are compared with each other. The core aim of this study is to analyze the effect of the declarations made in the cope of sustainability reports on the financial performance in the banking sector. Seven banks were included in the study which were placed at least one time in BIST Sustainability Index in between 2010-2017 years. Environment, human resources, product liability and community involvement were determined as sustainability criteria and return on assets, return on equity and net interest margin were determined as financial performance criteria. Non-Parametric Statistic Tests and Panel Data Analysis were used for analysis and types, and the sizes of banks were selected as dummy variables. As a result, it is found that the declarations of sustainability reports have a significant effect only on return on assets and have no significant effect on return on equity and net interest margin. And also, when we analyzed the relationship of sustainability criteria and return on assets, we found that the declarations about environment and human resources have negative effects on return on assets.

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