Η κερδοφορία των αμερικανικών και ευρωπαϊκών τραπεζών
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Keywords
Αμερικανικές και ευρωπαϊκές τράπεζες ; Κερδοφορία ; Τραπεζικοί και μακροοικονομικοί παράγοντες ; Ανάλυση ; American and european banks ; Profitability ; Bank-specific and macroeconomic determinants ; AnalysisAbstract
The main purpose of the master’s thesis is to research bank-specific and macroeconomic determinants regarding the profitability of American and European banks, between 1999- 2020 (22 years overall). Τhe return on total banks assets (ROA) is a numeric measurement of banks’ profitability and it is used as the dependent variable in the regression analysis model. Moreover, an unbalalanced panel data analysis technique was used so as to analyze the determinants of the profitability of banks for 80 active banks (50 American and 30 European banks of Germany, France, Spain, Italy and Netherlands) from 1999 to 2020. Regarding to the empirical evidence the size of banks, net interest margin and the growth rate of loans (1-year) influence the profitability of banks positively. On the contrary, the ratio of non-performing loans over total loans affects profitability negatively. According to a macroeconomic perspective, the growth of Gross Domestic Product and the increase in interest rates affect profitability positively. Furthermore, the initial examined period of 1999 - 2020 was divided into four different intervals (1999-2006, 2007-2009, 2010-2013, 2014- 2020) to examine the impact of each time period regarding the banks’ profitability. The research is extended to study the differences between the banks-specific and macroeconomic factors of American and European banks between 1996 and 2020, to draw better conclusions in our analysis.
Postgraduate Studies Programme
Χρηματοοικονομική και Τραπεζική με ειδίκευση στη Χρηματοοικονομική και Τραπεζική ΔιοικητικήDepartment
Σχολή Χρηματοοικονομικής και Στατιστικής. Τμήμα Χρηματοοικονομικής και Τραπεζικής ΔιοικητικήςNumber of pages
81Language
Greek
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Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα