Abu-Tabl, Reem Zoheir, Abdo, Rabab Mahmoud, Badawy, Mohamed Mounir Badawy. (2025). The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?. مجلة جامعة الإسکندرية للعلوم الإدارية, 62(2), 205-243. doi: 10.21608/acj.2025.416979
Reem Zoheir Abu-Tabl; Rabab Mahmoud Abdo; Mohamed Mounir Badawy Badawy. "The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?". مجلة جامعة الإسکندرية للعلوم الإدارية, 62, 2, 2025, 205-243. doi: 10.21608/acj.2025.416979
Abu-Tabl, Reem Zoheir, Abdo, Rabab Mahmoud, Badawy, Mohamed Mounir Badawy. (2025). 'The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?', مجلة جامعة الإسکندرية للعلوم الإدارية, 62(2), pp. 205-243. doi: 10.21608/acj.2025.416979
Abu-Tabl, Reem Zoheir, Abdo, Rabab Mahmoud, Badawy, Mohamed Mounir Badawy. The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?. مجلة جامعة الإسکندرية للعلوم الإدارية, 2025; 62(2): 205-243. doi: 10.21608/acj.2025.416979
The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?
1Assistant Professor of Finance, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology
2Assistant Professor of Finance, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology
3Assistant Professor of Accounting, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology
المستخلص
The purpose of this study is to uncover factors affecting bank-specific and macroeconomic drivers of income and diversification decisions in Egyptian banks using panel data analysis. Using a balanced panel data set of 17 commercial banks operating in Egypt over the period of 2014–2021. The study found that financial intermediation, gross domestic product growth rate, deposit rate, asset growth rate, inflation rate, and risk-adjusted return on equity, respectively, had a positive and significant impact on income diversification decisions in Egyptian banks over the investigated period, while loan-to-assets and loan loss provision had negative and significant impacts. Nevertheless, bank size and market share were insignificant.
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