The Effect of Banking Channels and Efficiency Indicators on Bank Profitability
DOI:
https://doi.org/10.32870/myn.vi48.7685Keywords:
Banca Múltiple, Indicadores financieros, Banca sin sucursalesAbstract
This article proposes two models to analyze profitability banking. Using panel data methodology, it examined the relationship between operational efficiency indicators and banking access channels alternative to the branch with ROA and ROE. The main findings are that Net Operating Margin (MNO) has a direct relationship. Net noninterest Margin (MNNI) and Asset Utilization (RA) have a negative impact on ROA. Regarding access channels, Automatic Teller Machines (ATMs) have a positive, albeit weak, impact. Point of Sale Terminals (POS) are significant but in reverse. As for ROE, MNO and MNNI are related in the same sense as ROA. The Capital Multiplier (MC) presents a negative relationship. Mobile Banking (NBM) and POS show a significant inverse relationship, while ATM is direct.
Published
2023-01-01
How to Cite
Magallón González, H. B., Galeana Figueroa, E., & de la Torre-Torres, O. V. . (2023). The Effect of Banking Channels and Efficiency Indicators on Bank Profitability. Mercados Y Negocios, (48), 3–26. https://doi.org/10.32870/myn.vi48.7685
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Articles
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Copyright (c) 2022 Heber Bernardo Magallón González, Evaristo Galeana Figueroa, Oscar Valdemar de la Torre-Torres
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Mercados y Negocios by Department of Mercadotecnia y Negocios Internacionales. University of Guadalajara is licensed under a License Creative Commons Attribution-NonCommercial 4.0 International.
The author retains the copyright.
