Introduction to Net Interest

Our empirical evidence first suggests that derivative usage is driven primarily by net interest margin, bank concentration and institutional strength.

The importance of introduction of banking innovations in the crediting market as the most profitable direction of banking activity has been substantiated, the forecast of change in net interest income of Ukrainian banks for the post-pandemic period has been made.

This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables.

However, after 2017 the banks have not been able to improve especially their risk-adjusted profitability so strongly anymore, because the WSF and the development of other than net interest margin returns have been in negative connection to it.

To assess the profitability of these banks, three measures were used: two traditional accounting ratios and net interest margin.

Moreover, factors having a negative association with bank stability are the liquidity risk, the net interest margin and the remittances inflow.

While we confirm the adequacy of the existing supervisory outlier tests, we recommend complementing them with outlier tests regarding the net interest income of banks.

Findings & value added: The results indicate that the impact of the net interest margin on the liquidity ratio of Islamic banks is insignificant, which is obviously due to the prohibition of the use of interest (riba).

The dependent variable used in this study is bank’s profitability measured by return on asset (ROA), return on equity (ROE) and net interest margin (NIM).

The impact of capital regulation on the return on assets and net interest margin was positive, while for the return on equity a negative relationship was found.

These negative relationships are tested by analyzing the determinants of banks' net interest margin for 14 European countries.

Inflation processes had a negative impact on the banks’ performance, namely, the rise in inflation reduced lending and interest income and increased interest expenses, what, therefore, reduced banks’ net interest income.

The results showed that Net Interest Margin (NIM) had a significant positive effect, Operational Costs on Operating Income (BOPO) had a significant negative effect.

The main goal of this research will be to analyze the correlation between the basic measures of the oligopolistic position of banks and their impact on improving or deteriorating the performance of domestic banks, such as return on assets (ROA), return on equity (ROE) and net interest margin (NIM).

Overall, the internet interest in vitamin D was higher during the winter season Figure 1.

The study analyses the impact of competition in the banking sector on the net interest income and interest rate in the same sector.

Return on asset, return on equity, and net interest margin are dependent variables in this research and involves five types of banking risks (credit, liquidity, security, capital, and insolvency), bank size and diversification, and cost efficiency.

The research focuses on determining the effect of commercial bank’s market power on net interest margin and the moderating role of financial access.

This finding serves as an indicator that the bank-specific and macroeconomic variables selected for this study provide a better description of ROA rather than net interest margin (NIM) and ROE.

With the promotion of interest rate liberalization, net interest margin can measure the operation and management level of a bank to some extent.

3) Net Interest Margin (NIM) has a significant effect on return on asset (ROA) variables in conventional commercial banks indicated by a significance value less than 0.

Findings: Based on the financial reports, COVID-19 has negatively impacted the profit generated of Bank Dhofar and also negatively impacted the Net Interest Margin (NIM).

This study was conducted to analyze the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return on Assets (ROA) with Net Interest Margin (NIM) as a mediating variable.

We also find that the transmission of unconventional measures is attenuated by their negative effect on future bank’s capital position via the net interest income (reverse bank capital channel).

Net Interest Margin (NIM) is an important indicator in assessing the sustainability and health of the banking system.

Performance is projected by Net Interest Margin (NIM), Net Profit Margin (NPM) and Return on Assets (ROA).

Purpose of this study is to examine the relationship between net interest margin and return on assets by placing the net interest margin as the mediating variables.

Primary data for corporate governance (board compassion) which is independent variable and secondary data for bank financial performance Return on Asset (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) dependent variables of the present study.

The hypothesis of the study is the analysis of the impact on the net interest income and interest rate risk of a commercial bank of factors such as the exchange rate and the key rate of the Bank of Russia (for example, Sberbank, PJSC).

This article studied the relationship between bank capital and bank profitability measured by (Return on assets; return on equity; net interest margin).

The purpose of this study was to determine the effect of Financing To Deposit Ratio, Net Interest Margin, Corporate Social Responsibility, and Non-Performing Financing on Profitability in Islamic Commercial Bank.

The correlation and regression along with ratio analysis have been used to assure a contributory association among return on assets (ROA), return on equity (ROE) and net interest margin (NIM).

Using several bank-specific and external variables, and covering nineteen years, researchers measure the impact of each variable on Return on Average Assets, Return on Average Equity, and Net Interest Margin.

Net Interest Margin has a positive and significant effect on Islamic Banking Financial Performance, Good Corporate Governance has no and significant effect on Islamic Banking Financial Performance and simultaneously Liquidity Risk, Net Interest Margin and Good Corporate Governance have a positive and significant effect on Islamic Banking Financial Performance.

Conclusions Our results indicate that PCAM is not generating substantial internet interest, especially when compared to BCAM.

During the crisis, volatility is lower for countries with lower banking overhead costs and net interest margins than for their more inefficient counterparts.

The purpose of this study was to determine the effect of the Covid-19 pandemic as measured using the ratio of NPL (Non Performing Loan), BOPO, LDR (Loan Deposit Ratio), and NIM (Net Interest Margin) as independent variables on rentability measured using the ROA (Return) ratio.

This paper aims to identify the determinants of Moroccan banks’ profitability, measured by Net Interest Margin (NIM) during the period (2005-2018).

On the income side, with interest margins becoming increasingly depressed, net interest revenues declined, which forced the banks to expand revenues from fees and commissions.

This Study aims to determine the effect of Net Interest Margin and Non Performing Loan on Return On Asset at PT Bank Rakyat Indonesia (Persero) Tbk period 2010 until 2019.

1%, The Net Interest Margin declined to 8.

While we confirm the adequacy of the existing supervisory outlier tests, we recommend complementing them with outlier tests regarding the net interest income of banks.

Berdasarkan pada analisis perhitungan ROA (Return on Assets) dan NIM (Net Interest Margin) menunjukkan bahwa kemampuan bank dalam memperoleh laba tinggi walaupun ada penurunan pada NIM (Net Interest Margin) namun bank tetap dikatakan dalam predikat yang sangat sehat.

And individually (partial) Net Interest Margin, Non Performing Loans and Return on Assets have a positive effect on CAR, negatively affect CAR.

It was found that the increase in the share of term deposits in the total amount of the bank's mobilized resources is positive, despite a temporary decrease in net interest income.

This research aims to determine the effect of Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Operational Cost to Operational Income (BOPO) towards Bank Profitability (Return on Equity) that listed on Indonesia Stock Exchange through Covid-19 pandemic in 2020 period.

Return on assets, return on equity, and net interest margin is employed as proxies for measuring profitability.

Considering return on assets (ROA), return on equity (ROE) and net interest margin (NIM) as the measure of performance, we have chosen a panel of public and private sector commercial banks of our country.

Net interest margin (NIM) and non-net interest income (Non-NIM) were used as control variables.

Purpose – The purpose of this study was to analyze the effect of Bank Age, Loan to Assets Ratio (LAR), Net Interest Margin (NIM), and non-interest margin (Non NIM) on bank efficiency, especially in ASEAN-5 countries (Indonesia, Singapore, Thailand, Malaysia and Philippines).

The purpose of this study is to examine and analyze the effect of financial ratios analyzed in this study are asset adequacy ratios, non-performing loans, and profitability ratios using the Capital Adeuacy Ratio (CAR), Non Performing Loan variables (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Return On Assets (ROA) in banking companies listed on the IDX for the 2016 - 2018 period.

For future research, it is recommended to explore several variables to get a better result bank’s financial performance, such as Return on Equity, Debt to Equity Ratio, and Net Interest Margin.

Profit efficiency policy is proxied by net interest margin, which describes the input and output<br>of the bank’s production activities as an intermediary institution.

MethodologyTo realize the objectives of this paper, the performance of all listed Jordanian banks (13) during the period 2010-2020 is examined in terms of return on assets (ROA) and net interest margin (NIM).

, by making riskier loans and buying riskier (financial) assets, in order to maintain nominal interest rates and net interest margins.

Net interest margin berpengaruh terhadap profitabilitas.

The study used net interest margin as a dependent variable, government deposits as independent variable and both bank size and leverage were used as controlling variables.

However, the results only hold for return on assets (ROA) and return on equity (ROE) while the net interest margin is observed to be negatively influenced by credit risk.

CONCLUSIONS The results of this study show the utility in illustrating seasonal variation in Internet interest of pathologies today's podiatrist commonly encounters.

Our findings firstly affirm that bank profitability is negatively affected by the presence of politically connected directors on the board, reporting significantly lower return on assets, return on equity, net interest margin, and profit margin.

Net interest margin (NIM) is the raison d’être of banking.

Our study suggests that media coverage of public figures with cancer may trigger substantial Internet interest in non-breast cancers, more so than traditional efforts to raise awareness.

Earnings ratios are represented as return on assets and net interest margin of the Bank BRI has a value of ROA and NIM above the provisions of Bank Indonesia.

We then show that in the short term, only the big four banks have a negative influence on net interest margins in the WAEMU zone.

Consistent with this prediction of the theoretical model, we find empirically that the net interest margin, as a measure of MFI market power, negatively affects the likelihood of using MIV finance.

Return on Assets (ROA), Return on Equity (ROE) and Net Interest Margin (NIM) were used as the performance indicators in the analysis.

However, loan interest ratio and deposit interest ratio together have a significant effect on net interest margin thus leading an impact on banks’ profitability.

By lowering provisioning of loan loss, Growth in Net Interest Income and managing Solvency Risk could ensure financial stability to the banks, which in turn leads to financial sustainability.

Overall, net interest margins are unaffected, which implies that the volume effect is large enough to offset the adverse impact on bank profitability.

We notice that negative rates have squeezed banks' net interest margins.

The results show that the larger banks with higher liquidity risk and with a lower value of the net interest margin were more efficient.

The findings of the study show that focusing on the base rate fixation by State Bank of India in different quarters, the base rate in the immediate past quarter, the current as well as the net interest income of the past few quarters and provisioning for loan losses in the current quarter plays a significant role in their decisions on base rate adjustments.