Net Interest(净利息)研究综述
Net Interest 净利息 - Overall, the internet interest in vitamin D was higher during the winter season Figure 1. [1] Conclusions Our results indicate that PCAM is not generating substantial internet interest, especially when compared to BCAM. [2]总体而言，互联网对维生素 D 的兴趣在冬季更高（图 1）。 [1] 结论 我们的结果表明，PCAM 并没有引起大量的互联网兴趣，尤其是与 BCAM 相比时。 [2]
capital adequacy ratio 资本充足率
Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN. [1] It was found that the components of bank soundness (Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG)), inflation and the BI Rate do not affect the profits growth of regional development banks. [2] Financial ratio, which is proxied by the capital adequacy ratio (CAR) and loan to deposit ratio, has a positive effect on return on asset and net interest margin. [3] The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. [4] The analysis method used is financial ratio analysis, namely Cash Ratio (CR), Short Term Mistmatch (STM), Return On Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). [5] Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. [6] The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). [7] These financial indicators are listed as Non-Performing Loan (NPL), Non-Performing Loan Growth (NPLG), Loan Growth (LG), Deposit Growth (DG), Staff Cost Growth (SCG), Loan Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Net Interest Margin / Net Operating Cost (NIM-NOC). [8] Precisely, the impact of capital adequacy ratio (CAR) was studied on net interest margin (NIM), credit growth (CR) and non-performing loans (NPLs). [9] Tujuan penelitian ini yaitu untuk menguji dan menganalisis pengaruh Capital Adequacy Ratio, Non Performing Loan , Net Interest Margin, Biaya Operasional Pendapatan Operasional , Loan to Deposit Ratio, Posisi Devisa Netto, dan Suku Bunga SBI secara parsial terhadap Return On Asset pada Bank Devisa di Indonesia periode 2009 sampai dengan 2013 serta menguji dan menganalisis pengaruh Capital Adequacy Ratio, Non Performing Loan, Net Interest Margin, Biaya Operasional Pendapatan Operasional , Loan to Deposit Ratio, Posisi Devisa Netto, dan Suku Bunga Sertifikat Bank Indonesia (SBI) secara simultan. [10] This study aims to determine financial ratios which include Return On Assets (ROA), Loan To Deposit Ratio (LDR), Operational Costs per Operating Income (BOPO), Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) against Non Performing Loans (NPL) at Conventional Commercial Banks that are Go Public which are listed on the Indonesia Stock Exchange in 2016-2018. [11] Growth in risk-weighted assets (RWA) was the cause of the decline in the value of the Capital Adequacy Ratio (CAR) which can be influenced by aspects of financial performance, one of which is the profitability aspect of Net Interest Margin (NIM) and Return On Assets (ROA). [12] This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Costs on Operating Income (BOPO), Net Interest Margin (NIM) and and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). [13] Thus the results of this study are intended to determine the effect of Non Performing Loan, Loan to Deposit Ratio, Good Coorporate Governance, Net Interest Margin, Return On Asset, Capital Adequacy Ratio and Economic Value Added on the Bank's Stock Price. [14] Capital adequacy ratio, debt equity ratio, leverage ratios, profit and loss account ratios, net interest margin ratio, return on equity and other ratios are used to compare the performance of both the banks. [15] This study examines the influence Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) toward Profitability for Non-Foreign Exchange Commercial Bank in Indonesia. [16] Good Corporate Governance (GCG), there are three aspects of the assessment that must be met, namely Governance Structure, Governance Process, and Governance Output, Risk Rentability using several ratios, namely: ROA Ratio (Return On Asset), Net Interest Margin Ratio (NIM) Capital or Capital, Ratio that can measure capital factor that is ratio of CAR (Capital Adequacy Ratio). [17] The results showed the financial performance of the ROA (Return on Assets), ROE (Return on Equity), NIM (Net Interest Margin), BOPO (Ratio of Operational Costs to Operational Income), CAR (Capital Adequacy Ratio) and LDR (Loan Deposit Ratio), there was no significant difference between Bank BJB that have went to public with Bank DKI Jakarta which haven’t yet go public, whereas if viewed from the NPL There is a significant difference. [18] This research is meant to find out the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), and Loan to Deposit Ratio (LDR) to the Return on Equity (ROE) at Private Foreign Exchange National Bank in Indonesia. [19] Return on equity was defined as the dependent variable while firm size, capital adequacy ratio, loan ratio, non-performing loan ratio, deposit ratio, net interest margin, non-interest income margin and cost to income ratio were identified as explanatory or independent variables. [20]使用的财务比率是资本充足率 (CAR)、资产回报率 (ROA)、营业收入营业费用 (BOPO) 和净息差 (NIM) 与 BUMN 银行的利润增长。 [1] 研究发现，银行稳健性的组成部分（资本充足率（CAR）、净息差（NIM）、不良贷款（NPL）、贷存比（LDR）、良好的公司治理（GCG））、通货膨胀和BI Rate不影响区域开发银行的利润增长。 [2] nan [3] nan [4] nan [5] nan [6] nan [7] nan [8] nan [9] nan [10] nan [11] nan [12] nan [13] nan [14] nan [15] nan [16] nan [17] nan [18] nan [19] nan [20]
non interest income 非利息收入
Besides, bank-specific variables such as: the net interest margin (NIM), the non-interest income (NII), the age and the size of the bank affect positively and not significantly the banking stability. [1] We document a significant increasing trend in non-interest income with a substitution effect between non-interest income and net interest margin following the 1987 amendment to the Bank Act allowing commercial banks to acquire (or merge with) investment dealers and brokerage firms. [2] The selected Bank investment indicators are fixed assets, the number of employees, the total expenditure of the business, the output indicators have net interest income, non-interest income, through the DEA model calculation of commercial Banks comprehensive efficiency relative evaluation value; by the time and Compared with the comparison between the lines, the decision-making analysis of each decision-making unit's comprehensive efficiency, pure technical efficiency and scale efficiency is carried out. [3]此外，银行特定变量，如：净息差（NIM）、非利息收入（NII）、银行的年龄和规模对银行稳定性有正向影响，但不显着。 [1] nan [2] nan [3]
ini bertujuan untuk 这是为了
Penelitian ini bertujuan untuk melihat pengaruh CAR ( Capital Adequacy Ratio ) , LDR ( Loan to Deposit Ratio ), NIM ( Net Interest Margin ), BOPO (Beban Operasional Pendapatan Operasional ) terhadap ROA ( Return on Assets ) pada sektor perbankan Bursa Efek Indonesia tahun 2016-2018. [1] ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. [2] Penelitian ini bertujuan untuk menganalisa pengaruh rasio kecukupan modal atau capital adequity ratio (CAR) terhadap profitabilitas yang dilihat dari aspek net interest margin yang terdaftar di Bursa Efek Indonesia. [3]本研究旨在检验 CAR（资本充足率）、LDR（贷存比）、NIM（净息差）、BOPO（运营运营费用）对印度尼西亚银行业 ROA（资产回报率）的影响2016年-2018年证券交易所。 [1] 摘要 本研究旨在确定财务绩效资产回报率 (ROA)、股本回报率 (ROE)、融资存款比率 (FDR)、法定准备金 (GWM)、运营成本对营业收入 (BOPO)、净利息的影响保证金 (NIM) 和资本充足率 (CAR) 与伊斯兰银行的回报率 (ROR)。 [2] nan [3]
loan loss provision 贷款损失准备
Using dynamic-GMM estimations, we find that credit growth, net interest margin, loan loss provision, and bank diversification significantly increase NPLs, while operating efficiency, bank size, and ROA lower NPLs. [1] It finds that during the subprime crisis of 2007–09, liquidity risk reduced a bank’s survival probability, ROA, and net interest margin, and increased its loan-loss-provision expenses. [2] The first is to identify key macroeconomic determinants of the loan loss provision ratio and net interest margin. [3]使用动态 GMM 估计，我们发现信贷增长、净息差、贷款损失准备金和银行多元化显着增加了不良贷款，而运营效率、银行规模和 ROA 降低了不良贷款。 [1] 研究发现，在 2007-09 年次贷危机期间，流动性风险降低了银行的生存概率、ROA 和净息差，并增加了贷款损失准备金费用。 [2] nan [3]
penelitian ini adalah 这项研究是
Data yang digunakan dalam penelitian ini adalah Beban Operasional Pendapatan Operasional (BOPO), Loan to Deposits Ratio (LDR), Return On Assets Ratio (ROA), dan Net Interest Margin Ratio (NIM). [1] Abstrak : Tujuan yang ingin dicapai dalam penelitian ini adalah untuk menganalisis pengaruh Non Performing Loan, Loan To Deposit Ratio, Net Interest Margin, dan Non Performing Loan, Loan To Deposit Ratio, dan Net Interest Margin secara parsial terhadap harga saham pada perusahaan perbankan. [2] Tujuan dari penelitian ini adalah untuk mengetahui apakah terdapat pengaruh yang signifikan dari kinerja keuangan (Net Interest Margin, Beban Operasional terhadap Pendapatan Operasional, Loan to Deposit Ratio, Return of Assets, dan Return of Equity) PT Bank Rakyat Indonesia Tbk sebelum dan sesudah proses akuisisi BTMUBRI Finance pada 30 September 2016. [3]本研究中使用的数据是营业收入营业费用 (BOPO)、贷款与存款比率 (LDR)、资产回报率 (ROA) 和净息差比率 (NIM)。 [1] 摘要：本研究的目的是分析不良贷款、贷存比、净利息保证金以及不良贷款、贷存比和净利息保证金对银行公司股票价格的部分影响。 [2] nan [3]
zero lower bound 零下限
Faced with a potential zero lower bound on deposit interest rates, how do banks pass on the fall in net interest income due to negative interest rates? This paper aims to investigate the different channels of banks’ responses to negative interest rates using a detailed breakdown of the profit and loss account of 3637 banks in 59 countries from 2011 to 2018. [1] Faced with a potential zero lower bound on deposit interest rates, how do banks pass on the fall in net interest income due to negative interest rates? This paper aims to investigate the different channels of banks’ responses to negative interest rates using a detailed breakdown of the profit and loss account of 3637 banks in 59 countries from 2011 to 2018. [2] At the zero lower bound on deposit rates (ZLBD), changes in policy rates affect activity through both real interest rates and banks’ net interest margins (NIMs). [3]面对潜在的零利率下限，银行如何转嫁负利率导致的净利息收入下降？本文旨在通过对 2011 年至 2018 年 59 个国家 3637 家银行的损益账户的详细细分，调查银行应对负利率的不同渠道。 [1] 面对潜在的零利率下限，银行如何转嫁负利率导致的净利息收入下降？本文旨在通过对 2011 年至 2018 年 59 个国家 3637 家银行的损益账户的详细细分，调查银行应对负利率的不同渠道。 [2] nan [3]
Dan Net Interest 丹净利息
Data yang digunakan dalam penelitian ini adalah Beban Operasional Pendapatan Operasional (BOPO), Loan to Deposits Ratio (LDR), Return On Assets Ratio (ROA), dan Net Interest Margin Ratio (NIM). [1] GCG diukur dengan self assessment, sedangkan Earnings diukur dengan ROA, dan Net Interest Margin (NIM). [2] Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN. [3] Abstrak : Tujuan yang ingin dicapai dalam penelitian ini adalah untuk menganalisis pengaruh Non Performing Loan, Loan To Deposit Ratio, Net Interest Margin, dan Non Performing Loan, Loan To Deposit Ratio, dan Net Interest Margin secara parsial terhadap harga saham pada perusahaan perbankan. [4] Penelitian ini memiliki tujuan untuk mengetahui pengaruh dari return on asset (ROA) bank umum syariah, rasio kecukupan modal (CAR), pendapatan operasional dan biaya operasional (BOPO) dan net interest margin (NIM) selama periode 2014-2019. [5]本研究中使用的数据是营业收入营业费用 (BOPO)、贷款与存款比率 (LDR)、资产回报率 (ROA) 和净息差比率 (NIM)。 [1] GCG 是通过自我评估来衡量的，而收益是通过 ROA 和净息差 (NIM) 来衡量的。 [2] 使用的财务比率是资本充足率 (CAR)、资产回报率 (ROA)、营业收入营业费用 (BOPO) 和净息差 (NIM) 与 BUMN 银行的利润增长。 [3] 摘要：本研究的目的是分析不良贷款、贷存比、净利息保证金以及不良贷款、贷存比和净利息保证金对银行公司股票价格的部分影响。 [4] nan [5]
Adjusted Net Interest 调整后的净利息
Smaller (relationship) banks are safer and earn a lower risk-adjusted net interest income post-reform, after controlling for lending volume; a fall in their operating costs offsets the negative effect. [1] Smaller banks have safer loans and earn a lower risk-adjusted net interest income following the reforms, after controlling for lending volume; a fall in their operating costs offsets the negative effect. [2]在控制贷款量后，较小的（关系）银行更安全，改革后的风险调整后净利息收入较低；运营成本的下降抵消了负面影响。 [1] 较小的银行在控制贷款量后，在改革后获得较低的风险调整后净利息收入；运营成本的下降抵消了负面影响。 [2]
Bank Net Interest 银行净利息
The descriptive analysis reveal that bank net interest margin and return on asset are higher in Nigeria and lowest in the United States which suggests that the Nigerian banking sector is more profitable than the US banking sector. [1] The descriptive analysis reveal that bank net interest margin and return on asset are higher in Nigeria and lowest in the United States which suggests that the Nigerian banking sector is more profitable than the US banking sector. [2]描述性分析显示，尼日利亚的银行净息差和资产回报率较高，美国最低，这表明尼日利亚银行业比美国银行业更有利可图。 [1] 描述性分析显示，尼日利亚的银行净息差和资产回报率较高，美国最低，这表明尼日利亚银行业比美国银行业更有利可图。 [2]
net interest margin 净息差
Data yang digunakan dalam penelitian ini adalah Beban Operasional Pendapatan Operasional (BOPO), Loan to Deposits Ratio (LDR), Return On Assets Ratio (ROA), dan Net Interest Margin Ratio (NIM). [1] Our empirical evidence first suggests that derivative usage is driven primarily by net interest margin, bank concentration and institutional strength. [2] This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables. [3] 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. [4] To assess the profitability of these banks, three measures were used: two traditional accounting ratios and net interest margin. [5] Besides, bank-specific variables such as: the net interest margin (NIM), the non-interest income (NII), the age and the size of the bank affect positively and not significantly the banking stability. [6] GCG diukur dengan self assessment, sedangkan Earnings diukur dengan ROA, dan Net Interest Margin (NIM). [7] Moreover, factors having a negative association with bank stability are the liquidity risk, the net interest margin and the remittances inflow. [8] 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). [9] Penelitian ini bertujuan untuk melihat pengaruh CAR ( Capital Adequacy Ratio ) , LDR ( Loan to Deposit Ratio ), NIM ( Net Interest Margin ), BOPO (Beban Operasional Pendapatan Operasional ) terhadap ROA ( Return on Assets ) pada sektor perbankan Bursa Efek Indonesia tahun 2016-2018. [10] 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). [11] 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. [12] These negative relationships are tested by analyzing the determinants of banks' net interest margin for 14 European countries. [13] Rasio keuangan yang digunakan adalah Capital Adequacy Ratio (CAR), Return on Assets (ROA), Beban Operasional Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM) terhadap pertumbuhan laba Bank BUMN. [14] It was found that the components of bank soundness (Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG)), inflation and the BI Rate do not affect the profits growth of regional development banks. [15] The results showed that Net Interest Margin (NIM) had a significant positive effect, Operational Costs on Operating Income (BOPO) had a significant negative effect. [16] 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). [17] Futhermore net interest margin and interest income to total aset was negative influence for banking crisis. [18] Using dynamic-GMM estimations, we find that credit growth, net interest margin, loan loss provision, and bank diversification significantly increase NPLs, while operating efficiency, bank size, and ROA lower NPLs. [19] 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. [20] The research focuses on determining the effect of commercial bank’s market power on net interest margin and the moderating role of financial access. [21] Financial ratio, which is proxied by the capital adequacy ratio (CAR) and loan to deposit ratio, has a positive effect on return on asset and net interest margin. [22] 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. [23] The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. [24] With the promotion of interest rate liberalization, net interest margin can measure the operation and management level of a bank to some extent. [25] 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. [26] 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). [27] 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. [28] ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. [29] Net Interest Margin (NIM) is an important indicator in assessing the sustainability and health of the banking system. [30] Performance is projected by Net Interest Margin (NIM), Net Profit Margin (NPM) and Return on Assets (ROA). [31] 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. [32] The descriptive analysis reveal that bank net interest margin and return on asset are higher in Nigeria and lowest in the United States which suggests that the Nigerian banking sector is more profitable than the US banking sector. [33] 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. [34] Abstrak : Tujuan yang ingin dicapai dalam penelitian ini adalah untuk menganalisis pengaruh Non Performing Loan, Loan To Deposit Ratio, Net Interest Margin, dan Non Performing Loan, Loan To Deposit Ratio, dan Net Interest Margin secara parsial terhadap harga saham pada perusahaan perbankan. [35] This article studied the relationship between bank capital and bank profitability measured by (Return on assets; return on equity; net interest margin). [36] 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. [37] 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). [38] 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. [39] 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. [40] The analysis method used is financial ratio analysis, namely Cash Ratio (CR), Short Term Mistmatch (STM), Return On Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). [41] During the crisis, volatility is lower for countries with lower banking overhead costs and net interest margins than for their more inefficient counterparts. [42] Seeing the development of service companies such as banks that continue to fluctuate, this can have an impact on the performance of banking companies on the price book value, therefore a study aimed at examining the effect of net interest margin, return on equity, return on assets and capital adequacy ratio can be carried out against the price book value at commercial banks in Indonesia. [43] 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. [44] The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). [45] Therefore, negative rates have significantly reduced the overall net interest margin of deposit-dependent banks compared to other banks. [46] Penelitian ini memiliki tujuan untuk mengetahui pengaruh dari return on asset (ROA) bank umum syariah, rasio kecukupan modal (CAR), pendapatan operasional dan biaya operasional (BOPO) dan net interest margin (NIM) selama periode 2014-2019. [47] It finds that during the subprime crisis of 2007–09, liquidity risk reduced a bank’s survival probability, ROA, and net interest margin, and increased its loan-loss-provision expenses. [48] Tujuan dari penelitian ini adalah untuk mengetahui apakah terdapat pengaruh yang signifikan dari kinerja keuangan (Net Interest Margin, Beban Operasional terhadap Pendapatan Operasional, Loan to Deposit Ratio, Return of Assets, dan Return of Equity) PT Bank Rakyat Indonesia Tbk sebelum dan sesudah proses akuisisi BTMUBRI Finance pada 30 September 2016. [49] This paper aims to identify the determinants of Moroccan banks’ profitability, measured by Net Interest Margin (NIM) during the period (2005-2018). [50]本研究中使用的数据是营业收入营业费用 (BOPO)、贷款与存款比率 (LDR)、资产回报率 (ROA) 和净息差比率 (NIM)。 [1] 我们的经验证据首先表明，衍生品的使用主要受净息差、银行集中度和机构实力的驱动。 [2] 本研究旨在分析贷存比、信用风险对盈利能力和净息差作为调节变量的影响。 [3] 然而，在 2017 年之后，银行无法再如此强劲地提高尤其是其风险调整后的盈利能力，因为 WSF 和净息差回报以外的发展与其负相关。 [4] 为了评估这些银行的盈利能力，使用了三个指标：两个传统的会计比率和净息差。 [5] 此外，银行特定变量，如：净息差（NIM）、非利息收入（NII）、银行的年龄和规模对银行稳定性有正向影响，但不显着。 [6] GCG 是通过自我评估来衡量的，而收益是通过 ROA 和净息差 (NIM) 来衡量的。 [7] 此外，与银行稳定性负相关的因素是流动性风险、净息差和汇款流入。 [8] 调查结果和增值：结果表明，净息差对伊斯兰银行流动性比率的影响不大，这显然是由于禁止使用利息（riba）所致。 [9] 本研究旨在检验 CAR（资本充足率）、LDR（贷存比）、NIM（净息差）、BOPO（运营运营费用）对印度尼西亚银行业 ROA（资产回报率）的影响2016年-2018年证券交易所。 [10] 本研究中使用的因变量是银行的盈利能力，以资产回报率 (ROA)、股本回报率 (ROE) 和净息差 (NIM) 衡量。 [11] 资本监管对资产收益率和净息差的影响是正向的，而对于股本回报率则是负向的。 [12] 通过分析 14 个欧洲国家银行净息差的决定因素来检验这些负面关系。 [13] 使用的财务比率是资本充足率 (CAR)、资产回报率 (ROA)、营业收入营业费用 (BOPO) 和净息差 (NIM) 与 BUMN 银行的利润增长。 [14] 研究发现，银行稳健性的组成部分（资本充足率（CAR）、净息差（NIM）、不良贷款（NPL）、贷存比（LDR）、良好的公司治理（GCG））、通货膨胀和BI Rate不影响区域开发银行的利润增长。 [15] 结果表明，净息差（NIM）具有显着的正向影响，运营成本对营业收入（BOPO）具有显着的负向影响。 [16] 本研究的主要目的是分析银行寡头地位的基本衡量指标与其对国内银行业绩改善或恶化的影响之间的相关性，如资产回报率（ROA）、股本回报率（ROE）和净息差（NIM）。 [17] nan [18] 使用动态 GMM 估计，我们发现信贷增长、净息差、贷款损失准备金和银行多元化显着增加了不良贷款，而运营效率、银行规模和 ROA 降低了不良贷款。 [19] 资产回报率、股本回报率和净息差是本研究中的因变量，涉及五种银行风险（信贷、流动性、安全性、资本和破产）、银行规模和多元化以及成本效率。 [20] 研究的重点是确定商业银行的市场力量对净息差的影响以及金融准入的调节作用。 [21] nan [22] 这一发现表明，本研究选择的银行特定变量和宏观经济变量更好地描述了 ROA，而不是净息差 (NIM) 和 ROE。 [23] nan [24] 随着利率市场化的推进，净息差在一定程度上可以衡量一家银行的经营管理水平。 [25] 3）净息差（NIM）对传统商业银行的资产收益率（ROA）变量有显着影响，显着性值小于0。 [26] 调查结果：根据财务报告，COVID-19 对 Bank Dhofar 产生的利润产生了负面影响，并对净息差 (NIM) 产生了负面影响。 [27] 本研究以净息差 (NIM) 为中介变量，分析不良贷款 (NPL) 和贷存比 (LDR) 对资产回报率 (ROA) 的影响。 [28] 摘要 本研究旨在确定财务绩效资产回报率 (ROA)、股本回报率 (ROE)、融资存款比率 (FDR)、法定准备金 (GWM)、运营成本对营业收入 (BOPO)、净利息的影响保证金 (NIM) 和资本充足率 (CAR) 与伊斯兰银行的回报率 (ROR)。 [29] 净息差（NIM）是评估银行体系可持续性和健康状况的重要指标。 [30] 业绩由净利息收益率 (NIM)、净利润率 (NPM) 和资产回报率 (ROA) 预测。 [31] 本研究的目的是通过将净息差作为中介变量来检验净息差与资产回报率之间的关系。 [32] 描述性分析显示，尼日利亚的银行净息差和资产回报率较高，美国最低，这表明尼日利亚银行业比美国银行业更有利可图。 [33] 公司治理的主要数据（董事会同情心）是自变量，银行财务业绩的次要数据是资产回报率（ROA）、股本回报率（ROE）和本研究的净息差（NIM）因变量。 [34] 摘要：本研究的目的是分析不良贷款、贷存比、净利息保证金以及不良贷款、贷存比和净利息保证金对银行公司股票价格的部分影响。 [35] 本文研究了以（资产回报率；股本回报率；净息差）衡量的银行资本与银行盈利能力的关系。 [36] 本研究的目的是确定融资存款比率、净息差、企业社会责任和不良融资对伊斯兰商业银行盈利能力的影响。 [37] 相关性和回归以及比率分析已被用于确保资产回报率 (ROA)、股本回报率 (ROE) 和净息差 (NIM) 之间的贡献关联。 [38] 研究人员使用几个银行特定的外部变量，涵盖了 19 年，衡量了每个变量对平均资产回报率、平均股本回报率和净息差的影响。 [39] 净息差对伊斯兰银行财务业绩有正面和显着影响，良好的公司治理对伊斯兰银行财务业绩没有显着影响，同时流动性风险、净息差和良好的公司治理对伊斯兰银行财务有正面和显着影响表现。 [40] nan [41] 在危机期间，银行管理费用和净息差较低的国家的波动性低于效率较低的国家。 [42] nan [43] 本研究的目的是确定 Covid-19 大流行的影响，使用 NPL（不良贷款）、BOPO、LDR（贷款存款比率）和 NIM（净息差）的比率作为可出租性的独立变量来衡量使用 ROA（回报）比率来衡量。 [44] nan [45] nan [46] nan [47] 研究发现，在 2007-09 年次贷危机期间，流动性风险降低了银行的生存概率、ROA 和净息差，并增加了贷款损失准备金费用。 [48] nan [49] 本文旨在确定摩洛哥银行盈利能力的决定因素，以 2005-2018 年期间的净息差 (NIM) 衡量。 [50]
net interest income 净利息收入
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. [1] Smaller (relationship) banks are safer and earn a lower risk-adjusted net interest income post-reform, after controlling for lending volume; a fall in their operating costs offsets the negative effect. [2] 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. [3] Faced with a potential zero lower bound on deposit interest rates, how do banks pass on the fall in net interest income due to negative interest rates? This paper aims to investigate the different channels of banks’ responses to negative interest rates using a detailed breakdown of the profit and loss account of 3637 banks in 59 countries from 2011 to 2018. [4] 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. [5] The study analyses the impact of competition in the banking sector on the net interest income and interest rate in the same sector. [6] 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). [7] 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). [8] Faced with a potential zero lower bound on deposit interest rates, how do banks pass on the fall in net interest income due to negative interest rates? This paper aims to investigate the different channels of banks’ responses to negative interest rates using a detailed breakdown of the profit and loss account of 3637 banks in 59 countries from 2011 to 2018. [9] Banking performance has decreased on average in terms of credit quality, liquidity, ability to generate net interest income, and profitability in the last two years. [10] 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. [11] 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. [12] Smaller banks have safer loans and earn a lower risk-adjusted net interest income following the reforms, after controlling for lending volume; a fall in their operating costs offsets the negative effect. [13] Thus, we recommend bank managers boost net interest income while avoiding credit losses, and drop off operating costs compared to revenue in order to maximize bank’s market valuation. [14] 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. [15] The selected Bank investment indicators are fixed assets, the number of employees, the total expenditure of the business, the output indicators have net interest income, non-interest income, through the DEA model calculation of commercial Banks comprehensive efficiency relative evaluation value; by the time and Compared with the comparison between the lines, the decision-making analysis of each decision-making unit's comprehensive efficiency, pure technical efficiency and scale efficiency is carried out. [16] 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. [17]在信贷市场引入银行创新作为银行活动最有利可图的方向的重要性已经得到证实，对乌克兰银行在大流行后时期的净利息收入变化的预测已经做出。 [1] 在控制贷款量后，较小的（关系）银行更安全，改革后的风险调整后净利息收入较低；运营成本的下降抵消了负面影响。 [2] 虽然我们确认了现有监管异常值测试的充分性，但我们建议用关于银行净利息收入的异常值测试来补充它们。 [3] 面对潜在的零利率下限，银行如何转嫁负利率导致的净利息收入下降？本文旨在通过对 2011 年至 2018 年 59 个国家 3637 家银行的损益账户的详细细分，调查银行应对负利率的不同渠道。 [4] 通货膨胀过程对银行的业绩产生了负面影响，即通货膨胀的上升减少了贷款和利息收入，增加了利息支出，因此减少了银行的净利息收入。 [5] 研究分析了银行业竞争对同业净利息收入和利率的影响。 [6] 我们还发现，非常规措施的传导通过净利息收入（反向银行资本渠道）对未来银行资本状况的负面影响而减弱。 [7] 该研究的假设是分析俄罗斯银行（例如，Sberbank，PJSC）的汇率和关键利率等因素对商业银行的净利息收入和利率风险的影响。 [8] 面对潜在的零利率下限，银行如何转嫁负利率导致的净利息收入下降？本文旨在通过对 2011 年至 2018 年 59 个国家 3637 家银行的损益账户的详细细分，调查银行应对负利率的不同渠道。 [9] nan [10] 虽然我们确认了现有监管异常值测试的充分性，但我们建议用关于银行净利息收入的异常值测试来补充它们。 [11] 研究发现，尽管净利息收入暂时下降，但定期存款在银行动员资源总额中的份额呈正增长。 [12] 较小的银行在控制贷款量后，在改革后获得较低的风险调整后净利息收入；运营成本的下降抵消了负面影响。 [13] nan [14] nan [15] nan [16] nan [17]