Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash
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Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash

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Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash

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dc.contributor.author Climent Serrano, Salvador
dc.contributor.author Pavía Miralles, José Manuel
dc.contributor.author Toboso, Fernando
dc.date.accessioned 2018-11-08T12:24:14Z
dc.date.available 2018-11-08T12:24:14Z
dc.date.issued 2017
dc.identifier.uri http://hdl.handle.net/10550/67917
dc.description.abstract As interest margins of credit institutions affect economic performance of countries, finding out which are the main determinants of their evolution is a research task of great interest at current times. This is the purpose of the present paper as regards to the Spanish case over the period 2004-2012. Based on the econometric contributions by Ho and Saunders (1981) and some of its extensions, the authors develop a model that includes as explanatory variables the factors usually examined in the literature and other singular variables that might be relevant. Particularly, the rate of leverage, the quality of their assets measured according to their risk, and the profit obtained from the selling of assets, including real estate ones. The research also provides an analysis of differences between banks and savings banks.
dc.language.iso eng
dc.relation.ispartof Banks and bank systems, 2017, vol. 12, num. 2, p. 39-50
dc.rights.uri info:eu-repo/semantics/openAccess
dc.source Climent Serrano, Salvador Pavía Miralles, José Manuel Toboso, Fernando 2017 Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash Banks and bank systems 12 2 39 50
dc.subject Crisi financera global, 2007-2009
dc.subject Bancs
dc.title Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash
dc.type info:eu-repo/semantics/article
dc.date.updated 2018-11-08T12:24:14Z
dc.identifier.doi https://doi.org/10.21511/bbs.12(2).2017.04
dc.identifier.idgrec 123665

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