During the last two decades, financial institutions worldwide have witnessed a lot of stress in managing their margins in wake of the new risks, challenges and increase in the competition posed to them by the factors of liberalization and deregulation. The key to create value and achieve competitive edge lies in the better operational efficiency and productivity of these institutions under such...

there are many approaches in economic literature for investigation of firm performance. in general, those theories very useful for investigation the nature and role of competitive advantage. resource based view, dynamic capability, entrepreneurial theory, neoclassic theory, industrial organization approach are some of those theories. todays, banks try to attract customers through various new me...

Banks may well perform differently in lending to firms according to their funding structure. This paper surveys the relation between Loan volatility and deposit in Iranian banking system. The extent to which bank lending is connected to funding structure is affected by the banks’ characteristics (such as capital structure, profitability, and the measure of non-performing loans). To analyze this...

Some favor maintaining constraints on bank powers and organizational form because they believe banks receive a significant net subsidy from access to the federal safety net. They argue that this net subsidy will be successfully transferred to subsidiaries or affiliates engaged in non-traditional activities, giving these units a significant competitive advantage vis a vis rivals not affiliated w...

We decompose the change in banks’ net interest margin into a change in market-wide bank rates and a change in the balance-sheet composition. Our empirical findings from a detailed data set on German banks’ balance-sheet positions, broken down into different maturities, creditors and borrowers and degrees of liquidity are as follows: (i) Changes in bank rates have a much greater impact on and ex...