Determinants of bank profitability: evidence from CreditCoop

Ioana-Raluca Diaconu and Dumitru-Cristian Oanea
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Ioana-Raluca Diaconu: “Alexandru Ioan Cuza” University, Iasi, Romania
Dumitru-Cristian Oanea: The Bucharest University of Economic Studies, Romania

Theoretical and Applied Economics, 2014, vol. XXI, issue Special, 356-362

Abstract: Co-operative banks were not analyzed in great detail in the literature compared to credit unions or even commercial banks. Through this paper we want to identify the main determinants of CreditCoop profitability, determinants: internal determinants (result of bank management) and external determinants (macroeconomic and industry variables). We found that the loan to assets ratio and equity to assets ratio have the highest and significant impact over the CreditCoop profitability. Moreover, we found that the LA ratio has a positive impact on both ROA and ROE, while the EA ratio has a negative impact on the same dependent variables.

Keywords: bank profitability; co-operative banks; regression model; CreditCoop. (search for similar items in EconPapers)
Date: 2014
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Persistent link: https://EconPapers.repec.org/RePEc:agr:journl:v:xxi:y:2014:i:special:p:356-362

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