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Determinants of Bank Interest Margins in the Caucasus and Central Asia
Raja AlmarzoqiMr.Sami Ben Naceur
出版International Monetary Fund, 2015-04-29
主題Business & Economics / Banks & BankingBusiness & Economics / Industries / Financial Services
ISBN14755697859781475569780
URLhttp://books.google.com.hk/books?id=eWnRCQAAQBAJ&hl=&source=gbs_api
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註釋In this paper, we use a bank-level panel dataset to investigate the determinants of bank interest margins in the Caucasus and Central Asia (CCA) over the period 1998–2013. We apply the dealership model of Ho and Saunders (1981) and its extensions to assess the extent to which high spreads of banks in the CCA can be related to bank-specific variables, to competition, and to macroeconomic factors. We find that interest spreads are affected by operating cost, credit risk, liquidity risk, bank size, bank diversification, banking sector competition, and macroeconomic policies; but the impact depends on the country.