The Effects of Bank Regulations, Competition, and Financial Reforms on Banks’ Performance

The effects of bank regulations, competition, and financial reforms on banks' performance SB Naceur, M Omran - Emerging markets review, 2011

Emerging Markets Review, Forthcoming

Posted: 27 Jan 2021

See all articles by Mohammed Omran

Mohammed Omran

Arab Academy For Science Technology and Maritime Transport

Date Written: November 17, 2020

Abstract

In this paper, we examine the influence of bank regulation, concentration, and financial and institutional development on commercial bank margins and profitability across a broad selection of Middle East and North Africa (MENA) countries. The empirical results suggest that bank-specific characteristics, in particular bank capitalization and credit risk, have a positive and significant impact on banks' net interest margin, cost efficiency, and profitability. Also we find that macroeconomic and financial development indicators have no significant impact on net interest margins, except for inflation. Regulatory and institutional variables seem to have an impact on bank performance.

Keywords: Bank Interest, Margin Bank Profitability, Dynamic Panel Data, and MENA Region

JEL Classification: E44, G2,1L51

Suggested Citation

Omran, Mohammed, The Effects of Bank Regulations, Competition, and Financial Reforms on Banks’ Performance (November 17, 2020). The effects of bank regulations, competition, and financial reforms on banks' performance SB Naceur, M Omran - Emerging markets review, 2011, Emerging Markets Review, Forthcoming, Available at SSRN: https://ssrn.com/abstract=3732074

Mohammed Omran (Contact Author)

Arab Academy For Science Technology and Maritime Transport ( email )

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