and Economics, 2017, Vol. 5, No. 3, doi: /jfe-5-3-2

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Presentation transcript:

and Economics, 2017, Vol. 5, No. 3, 96-104. doi:10.12691/jfe-5-3-2 Table 1. Variable description and expected effect on Net Interest Margin Variables Description Expected Sign NIM Dependent Variable Net Interest Margin (NIM) Interest income minus interest expenses divided by total earning assets Independent Variables Credit Risk (CR) Provision for loan losses divided by total loans - Liquidity Risk (LR) Cash and due from accounts divided by total assets Interest Rate Risk (IRR) Sensitive asset minus sensitive liability divided by total equity Capital Risk (CRK) Total equity to total assets + Cost Efficiency (CE) Total cost to total assets ratio Implicit interest payment (IIP) Non-interest expenses minus non-interest revenue to total earning assets ? Managerial Efficiency (ME) Earning assets to total assets ratio Reserve Requirement (RR) Required reserves at central bank to total earning assets Dummy Variable (DUM) One for private and zero for public banks Learner Index (LRI) Total revenue minus total cost to total revenue Scale Efficiency (MSL) Bank loan to total industry loan Inflation Rate (INF) Annual inflation growth rate Real GDP Growth (RGDP) Annual Real GDP growth rate Meshesha Demie Jima et al. Determinants of Net Interest Margin in the Ethiopian Banking Industry. Journal of Finance and Economics, 2017, Vol. 5, No. 3, 96-104. doi:10.12691/jfe-5-3-2 © The Author(s) 2015. Published by Science and Education Publishing.