Bank performance – what are the main roles of the human capital and asset diversification? Evidence from France

IF 3.8 Q2 BUSINESS

EuroMed Journal of Business Pub Date : 2024-09-13 DOI:10.1108/emjb-08-2023-0218

Wael Hemrit, Naziha Kasraoui, Amira Feidi

{"title":"Bank performance – what are the main roles of the human capital and asset diversification? Evidence from France","authors":"Wael Hemrit, Naziha Kasraoui, Amira Feidi","doi":"10.1108/emjb-08-2023-0218","DOIUrl":null,"url":null,"abstract":"<h3>Purpose</h3>\n<p>The aim of this paper is to determine whether the efficiency of banks’ human capital (HC) has moderating effects on the relationship between asset diversification and bank performance over the 2008–2020 period.</p>\n<h3>Design/methodology/approach</h3>\n<p>Our study considers generalized least squares estimation in fixed effects panel.</p>\n<h3>Findings</h3>\n<p>Results show that banks with higher levels of HC and higher degree of diversification reduce bank profitability and efficiency. The results also depict that the financial stability-reducing effects of Income diversification decrease as bank HC efficiency increases. At the same time, the effects of income and asset diversity on financial stability change depending on the performance aspect.</p>\n<h3>Originality/value</h3>\n<p>Previous research on banks’ performance is concentrated on asset diversification. This article broadens to the HC, Asset diversification and the moderating effects of the profitability, stability and efficiency of French Banks.</p>","PeriodicalId":46475,"journal":{"name":"EuroMed Journal of Business","volume":null,"pages":null},"PeriodicalIF":3.8000,"publicationDate":"2024-09-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"EuroMed Journal of Business","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/emjb-08-2023-0218","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS","Score":null,"Total":0}

引用次数: 0

Abstract

Purpose

The aim of this paper is to determine whether the efficiency of banks’ human capital (HC) has moderating effects on the relationship between asset diversification and bank performance over the 2008–2020 period.

Design/methodology/approach

Our study considers generalized least squares estimation in fixed effects panel.

Findings

Results show that banks with higher levels of HC and higher degree of diversification reduce bank profitability and efficiency. The results also depict that the financial stability-reducing effects of Income diversification decrease as bank HC efficiency increases. At the same time, the effects of income and asset diversity on financial stability change depending on the performance aspect.

Originality/value

Previous research on banks’ performance is concentrated on asset diversification. This article broadens to the HC, Asset diversification and the moderating effects of the profitability, stability and efficiency of French Banks.

查看原文本刊更多论文

银行绩效--人力资本和资产多样化的主要作用是什么？来自法国的证据

本文旨在确定银行人力资本（HC）效率是否对 2008-2020 年间资产多元化与银行绩效之间的关系具有调节作用。研究结果结果表明，HC 水平越高、多元化程度越高的银行，其盈利能力和效率越低。结果还表明，随着银行内控效率的提高，收入多元化对金融稳定性的降低作用也会降低。同时，收入和资产多元化对金融稳定性的影响也会随着绩效方面的变化而变化。原创性/价值以往关于银行绩效的研究主要集中在资产多元化方面。本文将研究范围扩大到法国银行的HC、资产多样化及其对盈利能力、稳定性和效率的调节作用。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

求助全文

约1分钟内获得全文求助全文

来源期刊

EuroMed Journal of Business BUSINESS-

CiteScore

9.80

自引率

19.20%

发文量

期刊介绍： The EuroMed Journal of Business (EMJB) is the premier publication facilitating dialogue among researchers from Europe and the Mediterranean. It plays a vital role in generating and disseminating knowledge about various business environments and trends in this region. By offering an up-to-date overview of emerging business practices in specific countries, EMJB serves as a valuable resource for its readers. As the official journal of the EuroMed Academy of Business, EMJB is committed to reflecting the economic growth seen in the European-Mediterranean region. It aims to be a focused and targeted business journal, highlighting environmental opportunities, threats, and marketplace developments in the area. Through its efforts, EMJB promotes collaboration and open dialogue among diverse research cultures and practices. EMJB serves as a platform for debating and disseminating research findings, new research areas and techniques, conceptual developments, and practical applications across various business segments. It seeks to provide a forum for discussing new ideas in business, including theory, practice, and the issues that arise within the field.