Why are some banks more profitable than others?

Article Abstract:

Factors which influence bank profitability are examined by comparing characteristics of commercial banks with assets in 1981 between $50 million and $500 million and using data from 1972-1981. Results indicate that bank profitability is affected by management control over noninterest expenses, funding management, and asset management. Demand deposits were relied on more heavily to keep interest expenses down, and higher revenues were generated through better asset management by the most profitable banks.

United States, Profit, Profits

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The cost of developing and implementing electronic payment systems

Article Abstract:

For exact flows of funds, there are two main patterns for economic exchange: goods or services pending instant payment of legal tender without credit, and services or goods pending vendor's credit and later settlement of debt. Bank-to-bank transfers or pure financial transactions, securities transactions, interest payments, and dividend payments make up the third flow. Total cost is determined by the debtor, the creditor, the clearing process operations, and maybe two banking intermediaries.

Usage, Technology application, Electronic funds transfer systems, Online transaction processing, Check collection systems

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Equity financing by banks in the Italian market: the 1980-1984 experience and new trends

Article Abstract:

Italian banks had extreme difficulty raising capital during the 1980 to 1984 period. Bank stock prices experienced volatile performance, compared to the general index. Cause for the fluctuations in bank stocks and the evolution of the Italian capital market for bank shares from 1980 to 1984 are examined. The stock market can play a major role in settling capital adequacy problems of banks in Italy.

Italy, Financial planning, Stock-exchange, Stock exchanges, Corporations, Valuation

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