المحددات الداخلية لهامش الفائدة الصافي : دراسة تطبيقية على البنوك التجارية الأردنية للفترة (2006-2016)‎

Abstract EN

The study aimed to identify the significant internal factors affecting net interest margin in Jordanian banks.

the study used a sample of (13) Jordanian commercial banks listed in the Amman stock exchange during the period of 2006-2016.to achieve the objectives of the study, the researcher investigates the following independent variables: ratio of operating expenses to total assets, liquidity ratio capital adequacy ratio, deposit utilization ratio, financial leverage ratio, bank size.

to determine the relationship between these variables, the study used panel data, models fixed effect, random effect and generalization least square (GLS) to test the hypotheses of the study.

the results of this study are as follows : 1-there is a statistically significant positive relationship between net interest margin in Jordanian commercial banks and the following factors : ratio of operating expenses to total assets, capital adequacy ratio, deposit utilization ratio, and financial leverage ratio.

2-there is a statistically significant negative relationship between net interest margin in Jordanian commercial banks and liquidity ratio.

3-there is a negative relationship that is not statistically significant between net interest margin in Jordanian commercial banks and bank size.

the study recommends that commercial banks should pay attention to the management of operating expenses as they are the most important factors affecting the net interest margin of commercial banks.