[Home ] [Archive]   [ فارسی ]  
:: About :: Main :: Current Issue :: Archive :: Search :: Submit :: Contact ::
Main Menu
Home::
Journal Information::
Articles archive::
For Authors::
For Reviewers::
Registration::
Contact us::
Site Facilities::
::
Search in website

Advanced Search
..
Receive site information
Enter your Email in the following box to receive the site news and information.
..
:: Volume 6, Issue 19 (7-2017) ::
mieaoi 2017, 6(19): 31-51 Back to browse issues page
Evaluation of e-banking on the profitability of the branches of Bank Sepah in the East Azerbaijan Province
Abstract:   (5564 Views)

The first profits that banks make out of giving e-banking services are a better commercial brand and a better power of accountability to their customers’ wants. Banks which give such services are recognized as the leaders of implementing technology in the business atmosphere. The main goal of these leaders is to maximize the earnings or profits for the owners and the beneficiaries. From banks’ point of view electronic banking (e-banking) means very inexpensive transactions in comparison with traditional banking. Therefore, in this study we are going to assess the influence of e-banking on the profitability of the branches of Bank Sepah in the East Azerbaijan Province. The present study in terms of purpose is an applied research. In this study to test the hypotheses the multivariate linear regression model is used and for data analysis the mixed model (panel data analysis) is used and the span of the research is since 2004 up to 2014. The dependent variable which was used in this research was the return on assets which was achieved from the ratio of bank profits to bank assets and is a yardstick for the profitability and the attempts of bank managers toward profitability. Also, the descriptive variables are ATMs which are the main e-banking factor, credit cards, PIN pad devices, and the market share which is selected from the ratio of bank deposits to the whole deposits of the selected banks. The results of the research indicate that ATMs and the market share have a positive influence and the credit cards which are issued by Bank Sepah have a negative influence on the profitability of Bank Sepah in the East Azerbaijan Province

Keywords: return on assets, market share, ICT technology, panel data, electronic (e-) banking
Full-Text [PDF 241 kb]   (1223 Downloads)    
Article type: Research | Subject: Special
Received: 2017/07/11 | Accepted: 2017/07/11 | Published: 2017/07/11
Add your comments about this article
Your username or Email:

CAPTCHA


XML   Persian Abstract   Print


Download citation:
BibTeX | RIS | EndNote | Medlars | ProCite | Reference Manager | RefWorks
Send citation to:

Evaluation of e-banking on the profitability of the branches of Bank Sepah in the East Azerbaijan Province. mieaoi 2017; 6 (19) :31-51
URL: http://mieaoi.ir/article-1-485-en.html


Rights and permissions
Creative Commons License This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Volume 6, Issue 19 (7-2017) Back to browse issues page
نشریه اقتصاد و بانکداری اسلامی Islamic Economics and Banking
Persian site map - English site map - Created in 0.11 seconds with 35 queries by YEKTAWEB 4692