Determinants of the Profitability and Stability of Euro Area Banks During the Ice Age of Interest Rates

S. Rossi, Laura Barbieri, Andrea Lippi
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Abstract

In this paper we analyze the determinants of bank profitability and stability during the period of null or negative policy rates (2012 - 2022) for a large sample of banks established in Euro area countries. The results show that higher capitalization, credit quality and income diversification increase profitability and stability, while other covariates play a role mainly in influencing bank profits, but not bank resilience. Empirical outcomes suggest that the banks specialization has an impact on banks' financial results in periods of null or negative interest rates.
利率冰河时期欧元区银行盈利能力和稳定性的决定因素
在本文中,我们以欧元区国家的银行为大样本,分析了政策利率为零或负期间(2012-2022 年)银行盈利能力和稳定性的决定因素。结果表明,较高的资本化程度、信贷质量和收入多样化会提高银行的盈利能力和稳定性,而其他协变量主要影响银行的利润,但不影响银行的抗风险能力。实证结果表明,银行的专业化对银行在零利率或负利率时期的财务结果有影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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