Determinants of net interest margin on commercial bank in United States / Nur Raidah Syafiqah Abdul Razak

Abdul Razak, Nur Raidah Syafiqah (2018) Determinants of net interest margin on commercial bank in United States / Nur Raidah Syafiqah Abdul Razak. Degree thesis, Universiti Teknologi MARA, Johor.

Abstract

This paper provides study on Determinants of Net Interest Margin in commercial banks in United States over the period of 2006 until 2017. The purpose of this paper is to examine and investigate the main drivers of bank's net interest rate margins across selected commercial banks throughout the United States. Also, the study explored the relationship between the dependent variable, net interest margin (NIM) and a set of selected banks specific variables by employing panel data estimation methodology. In line with some expectations, findings of this paper will confirm the importance of net interest margin as net interest margin is the most suitable criterion in evaluating the stability and also efficiency of bank's operations. In this study found that the total loan total deposit (TLTD) and operating expenses to total asset (OETA) as positively influencing factors while total loan to total asset (TLTA) and common equity to total asset (CETA) has no significant influence on net interest margin (NIM). This in turn shows that liquidity and efficiency hold an important criterion to ensure optimal net interest margin (NIM) in banks.

Metadata

Item Type: Thesis (Degree)
Creators:
Creators
Email / ID Num.
Abdul Razak, Nur Raidah Syafiqah
2016538229
Contributors:
Contribution
Name
Email / ID Num.
Thesis advisor
Abd Rahman, Nor Hadaliza
UNSPECIFIED
Thesis advisor
Mohamed Yousop, Nur Liyana
UNSPECIFIED
Subjects: H Social Sciences > HG Finance > Interest rates
Divisions: Universiti Teknologi MARA, Johor > Segamat Campus > Faculty of Business and Management
Programme: Bachelor of Business Administration (Hons) Finance
Keywords: Interest margin; commercial bank
Date: December 2018
URI: https://ir.uitm.edu.my/id/eprint/99774
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