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A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad

This paper studies empirically the determinants of bank net interest margin in Malaysia from 2005 to 2009. A commercial bank that has been selected is Public Bank Berhad. Most study has follows the basic theoretical model of net interest margin proposed by Ho and Saunders (1981) and its extension pr...

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Main Author: Md Saad, Nurhidayu
Format: Student Project
Language:English
Published: Faculty of Business and Management 2010
Subjects:
Interest rates
Malaysia
Bank loans. Bank credit. Commercial loans
Online Access:http://ir.uitm.edu.my/id/eprint/26290/1/PPb_NURHIDAYU%20MD%20SAAD%20BM%20M%2010_5.pdf
http://ir.uitm.edu.my/id/eprint/26290/
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spelling my.uitm.ir.262902020-01-30T06:59:37Z http://ir.uitm.edu.my/id/eprint/26290/ A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad Md Saad, Nurhidayu Interest rates Malaysia Bank loans. Bank credit. Commercial loans This paper studies empirically the determinants of bank net interest margin in Malaysia from 2005 to 2009. A commercial bank that has been selected is Public Bank Berhad. Most study has follows the basic theoretical model of net interest margin proposed by Ho and Saunders (1981) and its extension proposed by Maudos and Guevara (2004) but in this study has follow the model that has modified from Kaiguo Zhou (2008). The study also indicates the determinants of net interest margins in Malaysia include average operating costs, credit risk that measure by loan ratio and interest rates or base lending rates. According to the overall results in this study it indicates the most independent variables are the most give an impact to the net interest margin (NIM) is average operating cost (AOC). It shows a positive and significance relationship between both variables. While credit risk that measure by loan ratio has negative and significance relationship. The other independent is base lending rate, according to the result it shows a positive relationship but don’t have a significance relationship with the NIM in Public Bank Berhad. Faculty of Business and Management 2010 Student Project NonPeerReviewed text en http://ir.uitm.edu.my/id/eprint/26290/1/PPb_NURHIDAYU%20MD%20SAAD%20BM%20M%2010_5.pdf Md Saad, Nurhidayu (2010) A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad. [Student Project] (Unpublished)
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic Interest rates
Malaysia
Bank loans. Bank credit. Commercial loans
spellingShingle Interest rates
Malaysia
Bank loans. Bank credit. Commercial loans
Md Saad, Nurhidayu
A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
description This paper studies empirically the determinants of bank net interest margin in Malaysia from 2005 to 2009. A commercial bank that has been selected is Public Bank Berhad. Most study has follows the basic theoretical model of net interest margin proposed by Ho and Saunders (1981) and its extension proposed by Maudos and Guevara (2004) but in this study has follow the model that has modified from Kaiguo Zhou (2008). The study also indicates the determinants of net interest margins in Malaysia include average operating costs, credit risk that measure by loan ratio and interest rates or base lending rates. According to the overall results in this study it indicates the most independent variables are the most give an impact to the net interest margin (NIM) is average operating cost (AOC). It shows a positive and significance relationship between both variables. While credit risk that measure by loan ratio has negative and significance relationship. The other independent is base lending rate, according to the result it shows a positive relationship but don’t have a significance relationship with the NIM in Public Bank Berhad.
format Student Project
author Md Saad, Nurhidayu
author_facet Md Saad, Nurhidayu
author_sort Md Saad, Nurhidayu
title A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
title_short A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
title_full A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
title_fullStr A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
title_full_unstemmed A study on determinants of bank net interest margin in Malaysia / Nurhidayu Md Saad
title_sort study on determinants of bank net interest margin in malaysia / nurhidayu md saad
publisher Faculty of Business and Management
publishDate 2010
url http://ir.uitm.edu.my/id/eprint/26290/1/PPb_NURHIDAYU%20MD%20SAAD%20BM%20M%2010_5.pdf
http://ir.uitm.edu.my/id/eprint/26290/
_version_ 1685650118730055680
score 13.211869

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