The impact of capital requirements on banks’ cost of intermediation and performance: The case of Egypt

Naceur, Samy Ben; Kandil, Magda

doi:10.1016/j.jeconbus.2007.12.001

Cited by 168 publications

(154 citation statements)

References 50 publications

Supporting

Mentioning

124

Contrasting

Unclassified

Order By: Relevance

“…This result is similar to those of Afanasieff et al (2002) and Naceur and Kandil (2009) who found that the rate of inflation adversely affects the interest margins. This negative relationship between inflation and profitability can be explained by the fact that a higher rate of inflation increases uncertainty and reduces the demand for credit (Naceur & Kandil, 2009). We could also argue that this negative relationship may be related to the slowest adjustment of revenue over costs of inflation (Wendell & Valderrama, 2006).…”

Section: Dynamic Panel Data Analysissupporting

confidence: 92%

See 1 more Smart Citation

Determinants of Bank Profitability in Western European Countries Evidence from System GMM Estimates

Messai

Gallali

Jouini

2015

IBR

View full text Add to dashboard Cite

In this study we tried to identify the determinants of profitability for the countries of Western Europe during the distress period 2007-2011. Our sample includes 322 banks we subdivided the sample into two sub sample GIPSI countries affected by the crisis (Greece, Italy, Portugal, Spain and Ireland) and the other countries of Western Europe. We opted for several specific determinants in the bank as well as macroeconomic factors. To take account of the persistence of the benefit we used dynamic panel data (system GMM). Our results demonstrate that bank profitability depends on proxies considered and the situation of country.

show abstract

Section: Dynamic Panel Data Analysissupporting

confidence: 92%

“…However, Afanasieff, Lhacer, and Nakane (2002) and Naceur and Kandil (2009) found that the inflation rate adversely affects the interest margins. Naceur and Kandil (2009) explain the negative coefficient by the fact that the higher inflation rate increases uncertainty and reduces the demand for credit.…”

Section: Literature Reviewmentioning

confidence: 99%

Determinants of Bank Profitability in Western European Countries Evidence from System GMM Estimates

Messai

Gallali

Jouini

2015

IBR

View full text Add to dashboard Cite

show abstract

“…Two liquidity indicators are used in this study, the ratio of liquid assets to total deposits and short term funding shows what percentage of a bank's deposits and short term finding is held in liquid form. The second indicator for the bank liquidity is liquid asset to total deposit and borrowing which relates liquid assets to the deposits and borrowing levels (Naceur and Kandil, 2009). …”

Section: Asian Journal Of Finance and Accountingmentioning

confidence: 99%

Does Ownership Structure Matter for Bank Performance in the MENA Region? An Empirical Evidence

Fathi

ElBannan

2017

AJFA

View full text Add to dashboard Cite

The aim of this study is to examine the effect of bank ownership structure on bank performance in Middle East and North Africa (MENA) region using the balanced scorecard (BSC) method. Usinga panel data of 137 commercial banks during the period from 2010 to 2014 across twelve countries in the MENA region, the study highlights the effect of ownership type and concentration on bank performance using the balanced scorecard as a performance measurement technique. The results show that government ownership and foreign ownership have statistically significant positive effect on bank performance measured by BSC index. On the contrary, domestic private ownership and ownership concentration have statistically significant negative effect on bank's BSC index. Additional analysis on each of the BSC perspective separately reveals that ownership concentration is negatively correlated with the customer and learning and growth factors, while positively correlated with the internal process factor. Government ownership shows statistically significant negative effect on the financial factor and the internal process factor while associated with statistically significant positive effect on the customer factor. Foreign ownership has statistically significant positive effect on the financial and the internal process factor but does not have statistically significant effect on the other two perspectives. Finally, Domestic private ownership reveals a statistically significant negative effect on the learning and growth factor.

show abstract

“…We follow prior research in measuring bank size, SIZE, as the natural logarithm of total assets (Demirgüç-Kunt et al, 2004: andNaceur andKandil 2009). We expect SIZE to have a positive relation to performance.…”

Section: Performance Control Variablesmentioning

confidence: 99%

Corporate Governance and Accounting Performance: A Balanced Scorecard Approach

ElBannan

2014

AFR

View full text Add to dashboard Cite

This paper is motivated by the financial reform plan implemented in the Egyptian banking sector to enforce good corporate governance practices and improve performance. The study examines the association between governance quality and performance by estimating OLS regression models to test this relation. We measure governance as a multidimensional composite index comprised of board and ownership structure characteristics, while bank performance is measured using the Balanced Scorecard approach including financial and non-financial measures. Empirical evidence shows that governance has positive and significant impact on Egyptian bank performance. In particular, for the board structure, evidence shows that more executive directors on the board will enhance employee's productivity. We find that board size is an insignificant determinant for bank performance; however, small board size is a significant determinant for better customer-related performance and improved employee productivity. CEO/Chairman duality is unrelated to bank performance, financial and non-financial performance. As for ownership structure, direct foreign investment in Egyptian banks should be encouraged, as there is evidence that foreign ownership has favorable impact on bank performance especially on employee productivity. Ownership concentration adversely affects bank performance index, and has unfavorable effect on employee productivity. Finally, institutional ownership is a marginal determinant of employee productivity.

show abstract

The impact of capital requirements on banks’ cost of intermediation and performance: The case of Egypt

Cited by 168 publications

References 50 publications

Determinants of Bank Profitability in Western European Countries Evidence from System GMM Estimates

Determinants of Bank Profitability in Western European Countries Evidence from System GMM Estimates

Does Ownership Structure Matter for Bank Performance in the MENA Region? An Empirical Evidence

Corporate Governance and Accounting Performance: A Balanced Scorecard Approach

Contact Info

Product

Resources

About