商业银行盈利能力的决定因素:来自德国的证据

Szilard Farkasdi, Budi Septiawan, Erik Syawal Alghifari
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引用次数: 5

摘要

本研究旨在确定德国商业银行盈利能力的决定因素。人口是2017-2020年期间在DAX (Deutscher Aktienindex)银行上市的7家银行业公司,样本为5家银行,产生20个观察数据。采用描述性和多元回归分析验证的方法。结果表明,资产规模、资本充足率、存款和非利息收入对盈利能力有显著的正向影响。部分资产规模、资本充足率和非利息收入对盈利能力有显著的正向影响,而存款对盈利能力有显著的负向影响。影响盈利能力的最主要因素是非利息收入。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
DETERMINANTS OF COMMERCIAL BANKS PROFITABILITY: EVIDENCE FROM GERMANY
This study aims to determine the determinants of profitability in commercial banks in Germany. The population is 7 banking sector companies listed in the DAX (Deutscher Aktienindex) Bank during the 2017-2020 period, with a sample of 5 banks and producing 20 observational data. The method used is descriptive and verification with multiple regression analysis. The results show that asset size, capital adequacy, deposits and non-interest income have a significant positive effect on profitability. Partially, asset size, capital adequacy and non-interest income have a significant positive effect, while the deposit has a significant negative effect on profitability. The most dominant factor affecting profitability is non-interest income.
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