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- Title
The Effect of Banking Channels and Efficiency Indicators on Bank Profitability.
- Authors
González, Heber Bernardo Magallón; Figueroa, Evaristo Galeana; de la Torre-Torres, Oscar Valdemar
- Abstract
This article proposes two models to analyze profitability banking. Using panel data methodology, it examined the relationship between operational efficiency indicators and banking access channels alternative to the branch with ROA and ROE. The main findings are that Net Operating Margin (MNO) has a direct relationship. Net noninterest Margin (MNNI) and Asset Utilization (RA) have a negative impact on ROA. Regarding access channels, Automatic Teller Machines (ATMs) have a positive, albeit weak, impact. Point of Sale Terminals (POS) are significant but in reverse. As for ROE, MNO and MNNI are related in the same sense as ROA. The Capital Multiplier (MC) presents a negative relationship. Mobile Banking (NBM) and POS show a significant inverse relationship, while ATM is direct..
- Subjects
BANK profits; AUTOMATED teller machines; ECONOMIC indicators; BANKING industry; RETURNS on sales; MOBILE banking industry; POINT-of-sale systems; PANEL analysis
- Publication
Mercados y Negocios, 2023, Issue 48, p3
- ISSN
1665-7039
- Publication type
Article
- DOI
10.32870/myn.vi48.7685