Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/275114 
Year of Publication: 
2023
Citation: 
[Journal:] Journal of Risk and Financial Management [ISSN:] 1911-8074 [Volume:] 16 [Issue:] 1 [Article No.:] 18 [Year:] 2023 [Pages:] 1-16
Publisher: 
MDPI, Basel
Abstract: 
This study investigates how non-interest income affects the performance of commercial banks in the ASEAN region. Using data from 36 commercial banks in ASEAN countries from 2008 to 2020 and Bayesian analysis techniques, the results of this study indicate that non-interest income negatively affects commercial banks' performance in the ASEAN region. In addition, the quantile regression results demonstrated that non-interest income negatively affects commercial banks' performance in the ASEAN region at all three percentiles (25th, 50th, and 75th). Additionally, we identified a non-interest income threshold of 59.3 percent of total income for commercial banks in the ASEAN region. In light of banking competition and the necessity for commercial banks to diversify their income streams, we offer a variety of policy implications to increase the performance of commercial banks.
Subjects: 
ASEAN
performance
commercial banks
Bayesian analysis
non-interest income
threshold regression
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by Logo
Document Type: 
Article

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