The effect of banking channels and efficiency indicators on bank profitability
DOI:
https://doi.org/10.32870/myn.vi48.7685Palabras clave:
Banca Múltiple, Indicadores financieros, Banca sin sucursalesResumen
This article proposes two models to analyze profitability banking. Using panel data methodology it’s analized 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.
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2023-01-01
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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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Derechos de autor 2022 Heber Bernardo Magallón González, Evaristo Galeana Figueroa, Oscar Valdemar de la Torre-Torres
Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial 4.0.
Mercados y Negocios por Departamento Mercadotecnia y Negocios Internacionales. Universidad de Guadalajara se distribuye bajo una Licencia Creative Commons Atribución-NoComercial 4.0 Internacional.
Basada en una obra en http://revistascientificas.udg.mx/index.php/MYN/.
Los autores conservan los derechos de autor.
