은행의 수수료수익 제고에 대한 연구

A Study on Bank's Fee Generation Strategies

The paper analyzes how bank characteristics affect the performance of Korean banks. Utilizing bank level data, the study examines the performance indicators of Korean banks during 2000∼2003. The empirical test is concerned with the determinants of ROA of the Korean banks. I use bank size, the ratio of bank loans to total assets, fixed asset ratio, spread, interest income, and non-interest income as proxies for bank characteristics factors. The results indicate that high non-interest income leads to higher profitability. Everything remaining equal, the regression results show that the size of the bank has negative impact on the profitability. This latter result may simply reflect scale inefficiencies.