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IT투자 확대와 은행산업의 수익성 간의 관계분석(Do increases in IT investments improve bank profitability?)

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Title IT투자 확대와 은행산업의 수익성 간의 관계분석(Do increases in IT investments improve bank profitability?)
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Material Type Reports
Author(Korean)

안종실; 이명훈; 최창규

Publisher

서울:한국금융연구원

Date 2005-06
Series Title; No 금융조사보고서 / 2005-04
Pages 94
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Holding 한국금융연구원; KDI 국제정책대학원

Abstract

Using 16 commercial banks' and regional banks' data from 1991 to 2001, we analyze the effect of IT investments on bank profitability by pooled OLS, fixed and random effects models, and the panel GMM model. Our analysis demonstrates that the increase in IT investment by banks has contributed to improving bank profitability. In addition, it is shown that, as GDP in the region and the ratio of loans to total assets go up, bank profitability improves. However, total assets and interest rate margin prove to be insignificant.