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The Impact of Non-Interest Income on Banks’ Profitabilities

Huseyin Cetin
Bursa Technical University, Turkey

Abstract—For the year of 2011, non-interest income rates had positive significant impact on 205 countries banks’ return on asset ratios. Moreover, for the period of 1999-2013, there was positive and significant relationship between high income countries’ banks’ profits and non-interest income rates. No relationship was found for medium and low income countries. According to Break Regression-OLS test, non-interest income had positive and significant impact on Turkish banks’ profits for the all breaks of January 2003- July 2015. In addition, when Bayesian Impulse Response analysis was conducted, it was unearthed that one standard deviation shock plummetes Turkish banks’ profits. Although Turkish banks’ non-interest income rose fast in the long run, there are negative anomalies in short term. In addition to that, Turkish banks’ net income has partial golden ratio behaviour and that golden ratio behavior derives from Turkish banks’ non-interest income. Moreover, that golden ratio behavior has similarity with Sydney Opera House’ architectural design which is based upon Golden ratio application.
Index Terms—non-interest income, net income, Turkish banks’ profits, golden ratio, Sydney opera house

Cite: Huseyin Cetin, "The Impact of Non-Interest Income on Banks’ Profitabilities" Journal of Advanced Management Science, Vol. 6, No. 3, pp. 161-164, September 2018. doi: 10.18178/joams.6.3.161-164
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