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Comparison of bank profitability in China and the USA

China & World Economy 2017年第1期25卷 90-108页

作者： Ning Ding Hung-Gay Fung Jingyi Jia Professor School of Finance Dongbei University of Finance and Economics Dalian China. Dr Y. S. Tsiang Professor of Chinese Studies Collegeof Business Administration University of Missouri-St. Louis St. Louis USA[ Associate Professor School of Business Southern Illinois University at Edwardsville EdwardsvilleUSA

This paper examines and compares the profitability of banks in the USA and China. The USA has the largest market-based banking system and the financial system of China is still bank-based. Our analysis indicates that in terms of profitability, banks in China outperformed those in the USA during our study period （2008-2014）. Real estate loans had an adverse effect on US bank profitability during the financial crisis and no effect after the crisis but consistently improved the profitability of Chinese banks. Interest margins have no effect on US bank profitability but a consistently positive effect on Chinese banks, confirming that China is a traditional bank-based economy. Interbank loans have a positive and significant effect on Chinese bank profitability, while interbank domestic loans have a negative effect on US bank profitability. Finally, size had a positive effect on US banks after the financial crisis period, confirming the scale economies of large US banks, but a negative effect on Chinese banks, indicating diseconomies of scale.

关键词： bank profitability efficiency real estate loans shadow banking

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Size matters:analyzing bank profitability and efficiency under the Basel III framework

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Financial Innovation 2023年第1期9卷 1169-1196页

作者： Ivan Gržeta Saša Žiković Ivana Tomas Žiković Faculty of Economics and Business University of Rijeka51000 RijekaCroatia

The latest regulatory framework,which has been introduced globally in the form of Basel III,and its implementation in the legislation of the member states of the Euro-pean Union has generated much interest in the impact of regulation on the efficiency and profitability of *** study aims to examine the impact of the introduction of two major regulatory changes(Basel II and Basel III)on bank performance,in terms of bank size and bank-specific and macroeconomic variables.A two-stage empirical anal-ysis was conducted on a sample of 433 European commercial banks over the 2006–2015 *** the first stage,relative efficiency was calculated using non-parametric data envelopment *** the second stage,the generalized method of moments was used to examine the impact of bank-specific and macroeconomic variables as well as regulation on bank performance,that is,profitability and ***-ing bank size,the results show a diverse impact of regulation on bank *** large-and medium-sized banks,regulation positively affects both efficiency and profitability,whereas,for small banks,it negatively affects *** results suggest that larger banks have skillfully adapted to the new regulatory *** contrast,small banks have problems with profitability and efficiency because the new regulatory framework has imposed additional administrative and regulatory *** could result in future failure or mergers with larger banks,resulting in a higher concentration in the banking sector and increased systemic *** results strongly suggest that regulation should not be implemented equally for all banks;that is,on a one size fits all terms.A distinction between small and large banks when introducing new regulatory frameworks should be made if a reasonable level of competition is to be preserved.

关键词： bank profitability bank efficiency bank size Basel III regulatory framework

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Determinants of bank Liquidity and Its Impact on bank profitability in Ethiopia

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Journal of Modern Accounting and Auditing 2020年第6期16卷 254-263页

作者： Zelalem Borena Bono Wolaita Sodo University Wolaita SodoEthiopia

The objective of the study is to explore determinants of bank liquidity and its impact on bank profitability in Ethiopia by using two-stage least square(2SLS)balanced panel estimation method from *** two dependent variables to be considered under 2SLS balanced panel estimation methods were liquidity risk and bank *** first equation *** risk specified as a function of major explanatory variable *** profitability,real GDP growth,net loan growth,and foreign exchange ***,the second equation *** profitability specified as a function of bank liquidity,non-interest income,non-interest expense and *** empirical result of the first equation of the study reveals that bank profitability,foreign exchange availability,and real GDP growth have positive significant impact on bank liquidity while net loan and advance has a negative significant impact on bank *** empirical result of the second equation depicts that bank liquidity has positive effect on bank profitability even if it is insignificant but total non-interest income and expectation have a positive significant effect on bank *** the paper has also tested some diagnostic check,the result shows that the model has passed the diagnostic test.

关键词： bank profitability bank liquidity two-stage least square method balanced panel estimation

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