Επιχειρηματικά μοντέλα τραπεζών & τραπεζική κερδοφορία (ROA, ROE, M/B)
Bank business models and bank profitability (ROA, ROE, M/B)
View/ Open
Keywords
Επιχειρηματικά μοντέλα ; Τραπεζική κερδοφορία ; Δείκτης ROA ; Δείκτης ROE ; Λογιστική προς αγοραία αξία ; Καθαρό επιτοκιακό περιθώριοAbstract
The present thesis analyses the adoptive, bank business models, as well as the profitability of banks, via the representative profitability indices. For this purpose, papers and bibliography of researchers, were examined, all correlated with the topic. The contribution of the present, to the existing bibliography, is due to the addition of three representative variables-indices of the type of business models, in the econometric model, for the deduction of conclusions, about the determining factors of bank profitability. Bank data from 11 countries of Eurozone were used, for the years from 1999 up to 2018. From the empirical analysis that was conducted, the statistical significance of the business models eventuated, with each one of them, to affect on a particular profitability index and to have a different effect, one from another.