Προσδιοριστικοί παράγοντες κερδοφορίας τραπεζών
Bank profitability measures and determinants
Profitability is a crucial goal for any business, if it is not the most important, because it signals the success of the firm within the market. Over time, several elements contribute to the shape of profitability such as general economic growth, GDP, inflation, competition and so forth, which will be analyzed in thesis. The effects of these events influence the whole economy and more specifically the banking sector. In many ways banks represent a fundamental pillar sustaining the financing of the modern economy. The purpose of this paper is the study of factors that determine and contribute the profitability of banks, for the best possible strengthening and stabilization of the banking sector. This study analyzes the profitability on greek banks for the period 2004-2019 by examining the internal, external and macroeconomic indicators, based on their balance sheet data. Dependent variables is ROA,ROE and NIM and the statistical program was used is called SPSS. The results which will be represented in the final chapter, indicates that the determinants which affect the profitability of banks are credit risk, size, capital adequacy, liquidity risk, staff and ROE t-1.