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/ http://ir.uitm.edu.my/id/eprint/26290/1/PPb_NURHIDAYU%20MD%20SAAD%20BM%20M%2010_5.pdf

id	uitm-26290
recordtype	eprints
spelling	uitm-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)
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Teknologi MARA
building	UiTM Institutional Repository
collection	Online Access
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/ http://ir.uitm.edu.my/id/eprint/26290/1/PPb_NURHIDAYU%20MD%20SAAD%20BM%20M%2010_5.pdf
first_indexed	2023-09-18T23:16:35Z
last_indexed	2023-09-18T23:16:35Z
_version_	1777419153157652480

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

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