Do ATMs influence bankprofitability in Japan?

Kazumine Kondo

Applied Economics Letters, 2010, vol. 17, issue 3, 297-303

Abstract: Holden and El-Bannany (2004) showed that Automated Teller Machines (ATMs) play an important role in increasing Return On Asset (ROA) in their analysis of banks in the United Kingdom. The present article investigates whether this conclusion also applies to Japanese banks. We found that ATMs do not have any influence on the ROA of Japanese banks; however, it was revealed that ATMs had positive effects on fees and commissions (income) from 2000 to 2003, and positive effects of ATMs on interest income were also seen recently. We conclude that in Japan, ATMs do not influence ROA, which includes the overall profits of bank transactions, but do contribute to particular businesses in that they can make the most of their abilities.

Date: 2010
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DOI: 10.1080/13504850701720379

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