A Note on Bank Interest Margin, Administrative Cost and Equity Risk in the Return to Retail Banking

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Title:	A Note on Bank Interest Margin, Administrative Cost and Equity Risk in the Return to Retail Banking
Authors:	Lin, Jyh-Jiuan;Jou, Rosemary;Lin, Hsiao-Ning
Contributors:	淡江大學統計學系;淡江大學國際企業學系;淡江大學財務金融學系
Keywords:	Bank interest margin;Administrative cost;Equity risk;Retail banking
Date:	2012
Issue Date:	2014-09-03 16:01:57 (UTC+8)
Publisher:	I C I C International
Abstract:	The bank interest margin, i.e., the spread between the loan rate and the deposit rate, is one of the principal elements of bank net cash flows and after-tax earnings and is often used as a proxy for the efficiency of financial efficiency. Little attention has been paid to the effects of administrative cost denoted by personal expense on bank equity returns and risks since the use of administrative cost as a trategy is much less widely accepted than is often believed by widening its interest margin and thus decreasing its risk in equity return.
Relation:	ICIC Express Letters 6(12), p.3137-3142
Appears in Collections:	[Graduate Institute & Department of Statistics] Journal Article

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