Ανταγωνισμός και καθαρό επιτοκιακό περιθώριο τραπεζών
Bank competition and net interest margin
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Keywords
Καθαρό επιτοκιακό περιθώριο ; Κερδοφορία ; Ανταγωνισμός τραπεζώνAbstract
A key indicator of bank profitability is the net interest margin (NIM). NIM is influenced by several factors. This thesis focuses on the effect of competition as measured by the HH index. Using bank-ing data from 11 countries for the period 2000 to 2016, the effect of competition on the interest rate margin was statistically significant and even positive. This suggests that the increase in the oli-gopoly structure in the banking sector increases NIM.