2013
DOI: 10.3846/16111699.2012.732105
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Banking Industry Concentration and Net Interest Margins (Nims) in Pakistan

Abstract: This paper uses bank level data of 26 commercial banks for the period 2001-2010 to explore determinants of net interest margins of commercial banks of Pakistan. Based on results of this study, past net interest margins, bank soundness, operating cost, industry concentration, relative market share, inflation, real depreciation and industrial growth have statistically significant and positive impact while diversification, change in bank size, lagged liquidity, stock market development have dampening effects on n… Show more

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citations
Cited by 13 publications
(18 citation statements)
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References 18 publications
(34 reference statements)
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“…Given prior banking studies (e.g. Islam & Nishiyama, 2016;Nassar et al, 2014;Kumari, 2014;Hussain, 2014;Ben Khediri & Ben-Khedhiri, 2011;Fungáčová & Poghosyan, 2011;Maudos & Solís, 2009;Zhou & Wong, 2008;Hawtrey & Liang, 2008; among others) regarding factors influencing interest margins of banks, We estimate the following linear regression model:…”
Section: Methodsmentioning
confidence: 99%
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“…Given prior banking studies (e.g. Islam & Nishiyama, 2016;Nassar et al, 2014;Kumari, 2014;Hussain, 2014;Ben Khediri & Ben-Khedhiri, 2011;Fungáčová & Poghosyan, 2011;Maudos & Solís, 2009;Zhou & Wong, 2008;Hawtrey & Liang, 2008; among others) regarding factors influencing interest margins of banks, We estimate the following linear regression model:…”
Section: Methodsmentioning
confidence: 99%
“…According to the authors, the most significant factor affecting the NIMs of banks which operate in Honduras is operating costs. Using bank level data of twenty-six deposit banks, Hussain (2014) strives to study the drivers of NIMs in Pakistan for the 2001-2010 period. According to regression results, lagged spreads, soundness of bank, operating cost, industry concentration, relative market share, inflation, past real depreciation and growth rate of industry are positively and significantly correlated with NIMs.…”
Section: Literature Reviewmentioning
confidence: 99%
“…Dışsal değişkenlerden olan TUFE çeşitli çalışmalarda (Entrop vd., 2015;Lopez-Espinosa vd., 2011;Hussain, 2014;Kaya, 2002;Gülhan ve Uzunlar, 2011) gelişmekte olan ülkelerin net faiz marjını ve aktif karlığını olumlu yönde etkilerken, bu çalışmada sözkonusu dönemde etkili olmadığı sonucuna ulaşılmıştır. Bu sonuç Alper ve Anbar(2011)'ın çalışmalarıyla paralellik göstermektedir.…”
Section: Tablo 4sabit Etkiler Modeli Tahmin Sonuçlarıunclassified
“…Kredi riski ve kaldıraç oranı değişkenleri ile net faiz marjı arasında ise anlamlı ilişkiler bulunamamıştır. Pakistan'da 26 bankayı örneklem olarak belirleyen Hussain (2014), analizleri sonucunda faaliyet giderleri, piyasa payı, enflasyon, amortisman giderleri, sektörel büyüme, banka büyüklüğü, piyasa kapitalizasyonu ve likidite değişkenlerini net faiz marjının belirleyicileri olarak bulmuşlardır. Çalışmada, banka sahiplik yapısı, GSMH ve kredi piyasası gelişimi değişkenleri ise anlamsız bulunmuştur.…”
Section: Li̇teratürunclassified
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