دانلود مقاله ISI انگلیسی شماره 47993
ترجمه فارسی عنوان مقاله

عوامل محرک اسپرد نرخ بهره بانک های تجاری: شواهد تجربی از کنیا

عنوان انگلیسی
What factors drive interest rate spread of commercial banks? Empirical evidence from Kenya ☆☆☆
کد مقاله سال انتشار تعداد صفحات مقاله انگلیسی
47993 2014 10 صفحه PDF
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Review of Development Finance, Volume 4, Issue 2, December 2014, Pages 73–82

ترجمه کلمات کلیدی
اسپرد نرخ بهره - بانک های تجاری - بخش بانکداری - کنیا
کلمات کلیدی انگلیسی
E43; E44; G21Interest rate spread; Commercial banks; Banking sector; Kenya
پیش نمایش مقاله
پیش نمایش مقاله  عوامل محرک اسپرد نرخ بهره بانک های تجاری: شواهد تجربی از کنیا

چکیده انگلیسی

The paper empirically investigates the determinants of interest rate spread in Kenya's banking sector based on panel data analysis. The findings show that bank-specific factors play a significant role in the determination of interest rate spreads. These include bank size, credit risk as measured by non-performing loans to total loans ratio, return on average assets and operating costs, all of which positively influence interest rate spreads. On the other hand, higher bank liquidity ratio has a negative effect on the spreads. On average, big banks have higher spreads compared to small banks. The impact of macroeconomic factors such as real economic growth is insignificant. The effect of the monetary policy rate is positive but not highly significant. The results largely reflect the structure of the banking industry, in which a few big banks control a significant share of the market.