کد مقاله | کد نشریه | سال انتشار | مقاله انگلیسی | نسخه تمام متن |
---|---|---|---|---|
7364861 | 1479116 | 2014 | 30 صفحه PDF | دانلود رایگان |
عنوان انگلیسی مقاله ISI
Is bank income diversification beneficial? Evidence from an emerging economy
ترجمه فارسی عنوان
آیا تنوع درآمد بانکی سودمند است؟ شواهد از یک اقتصاد نوظهور
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کلمات کلیدی
موضوعات مرتبط
علوم انسانی و اجتماعی
اقتصاد، اقتصادسنجی و امور مالی
اقتصاد و اقتصادسنجی
چکیده انگلیسی
This paper examines the impact of bank revenue diversification on the performance of banks in an emerging economy. Using a unique dataset with detailed information on non-interest income, our findings show that, conversely to studies on Western economies, a shift toward non-interest activities increases bank profits and risk-adjusted profits particularly when banks are more involved in trading in government securities. Our results also indicate that foreign banks benefit more from such a shift than their domestic counterparts. Moreover, we account for the institutional and regulatory environment advocating loans to SMEs and find that higher involvement in non-interest activities is only beneficial for banks with low exposures to SMEs. Our findings have important policy implications in terms of achieving optimal diversification and lower risk exposure, which might conflict with policies aiming to promote SME lending.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Journal of International Financial Markets, Institutions and Money - Volume 31, July 2014, Pages 97-126
Journal: Journal of International Financial Markets, Institutions and Money - Volume 31, July 2014, Pages 97-126
نویسندگان
Céline Meslier, Ruth Tacneng, Amine Tarazi,