Abstract This study investigates the determinants of bank profitability in 23 countries from 2002 to 2016 using the system generalized method of moments. The findings indicate that the number of bank cards issued, the number of automated teller machines (ATMs) and the number of point of sale (POS) terminals can improve bank profitability. Hence, this suggests a need for further expansion of these delivery channels. Also, the findings show the negative impact of market power on bank profitability, implying that competition improves bank profitability. Further, the positive relationship between capital market development and bank profitability suggests that they should be considered as complementary to one another.

中文翻译：

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银行盈利能力的决定因素：跨国分析

摘要 本研究采用系统广义矩方法研究了2002-2016年23个国家银行盈利能力的决定因素。调查结果表明，银行卡的发行数量、自动柜员机 (ATM) 的数量和销售点 (POS) 终端的数量可以提高银行的盈利能力。因此，这表明需要进一步扩展这些交付渠道。此外，调查结果显示了市场支配力对银行盈利能力的负面影响，这意味着竞争提高了银行的盈利能力。此外，资本市场发展与银行盈利能力之间的正相关关系表明它们应被视为相互补充。