The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks

The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks

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This study examines whether diversification is beneficial to commercial banks using data of U.S., Europe and Asia banks from 1997 to 2003. The empirical results suggest that banks perform better if they diversify between interest and non-interest activities, but this effect is not significant when...

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Bibliographic Details
Main Author: 王妍云
Language:英文
Published: 國立政治大學
Subjects:
Diversification
profit
risk
Online Access:http://thesis.lib.nccu.edu.tw/cgi-bin/cdrfb3/gsweb.cgi?o=dstdcdr&i=sid=%22G0923570211%22.
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spelling ndltd-CHENGCHI-G09235702112013-01-07T19:29:29Z The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks 王妍云 Diversification profit risk This study examines whether diversification is beneficial to commercial banks using data of U.S., Europe and Asia banks from 1997 to 2003. The empirical results suggest that banks perform better if they diversify between interest and non-interest activities, but this effect is not significant when banks diversify within each of these broad sets of activities. Regional results point out the different effects of commercial banks in U.S., Europe and Asia. My results show that banks earn less risk-adjusted returns from commission, fee and trading income. We conclude that increasing non-interest shares is not as good as expected. 國立政治大學 http://thesis.lib.nccu.edu.tw/cgi-bin/cdrfb3/gsweb.cgi?o=dstdcdr&i=sid=%22G0923570211%22. text 英文 Copyright © nccu library on behalf of the copyright holders
collection NDLTD
language 英文
sources NDLTD
topic Diversification
profit
risk
spellingShingle Diversification
profit
risk
王妍云
The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
description This study examines whether diversification is beneficial to commercial banks using data of U.S., Europe and Asia banks from 1997 to 2003. The empirical results suggest that banks perform better if they diversify between interest and non-interest activities, but this effect is not significant when banks diversify within each of these broad sets of activities. Regional results point out the different effects of commercial banks in U.S., Europe and Asia. My results show that banks earn less risk-adjusted returns from commission, fee and trading income. We conclude that increasing non-interest shares is not as good as expected.
author 王妍云
author_facet 王妍云
author_sort 王妍云
title The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
title_short The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
title_full The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
title_fullStr The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
title_full_unstemmed The Effects of Non-interest Income Diversification on the Riskiness and Profitability of Commercial Banks
title_sort effects of non-interest income diversification on the riskiness and profitability of commercial banks
publisher 國立政治大學
url http://thesis.lib.nccu.edu.tw/cgi-bin/cdrfb3/gsweb.cgi?o=dstdcdr&i=sid=%22G0923570211%22.
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AT wángyányún effectsofnoninterestincomediversificationontheriskinessandprofitabilityofcommercialbanks
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