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416979

The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?

Article

Last updated: 29 Mar 2025

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Abstract

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.

DOI

10.21608/acj.2025.416979

Keywords

income diversification, Banks, Egypt, Panel data analysis, Bank-specific factors, and Macroeconomic factors

Authors

First Name

Reem Zoheir

Last Name

Abu-Tabl

MiddleName

-

Affiliation

Assistant Professor of Finance, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology

Email

reem.abutabl@must.edu.eg

City

-

Orcid

-

First Name

Rabab Mahmoud

Last Name

Abdo

MiddleName

-

Affiliation

Assistant Professor of Finance, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology

Email

rabab.abdallah@must.edu.eg

City

-

Orcid

-

First Name

Mohamed Mounir Badawy

Last Name

Badawy

MiddleName

-

Affiliation

Assistant Professor of Accounting, Faculty of Management, Economics and Information Systems, Misr University for Science and Technology

Email

mohamed.badawy@must.edu.eg

City

-

Orcid

-

Volume

62

Article Issue

2

Related Issue

54346

Issue Date

2025-03-01

Receive Date

2024-12-23

Publish Date

2025-03-01

Page Start

205

Page End

243

Print ISSN

2682-4183

Online ISSN

2682-4191

Article File

ACJ_Volume 62_Issue 2_Pages 205-243.pdf

PDF . 1.8MB

Link

https://acjalexu.journals.ekb.eg/article_416979.html

Detail API

http://journals.ekb.eg?_action=service&article_code=416979

Order

7

Type

المقالة الأصلية

Type Code

759

Publication Type

Journal

Publication Title

مجلة جامعة الإسکندرية للعلوم الإدارية

Publication Link

https://acjalexu.journals.ekb.eg/

MainTitle

The Interplay between Interest Income and Non-Interest Income: Do Bank-Specific and Macroeconomic Factors Matter?

Details

Type

Article

Created At

29 Mar 2025