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    STUDIA OECONOMICA - Ediţia nr.2 din 2009  
         
  Articol:   ROLUL VENITURILOR DIN DOBÂNZI ŞI A VENITURILOR FĂRĂ DOBÂNDĂ ASUPRA PERFORMANŢEI A PATRU MARI BĂNCI SUD-AFRICANE / THE ROLE OF INTEREST INCOME AND NONINTEREST INCOME ON THE PERFORMANCE OF FOUR LARGE SOUTH-AFRICAN BANKS.

Autori:  GERT VAN DER WESTHUIZEN, MERWE OBERHOLZER. 		 
       
         
  Rezumat:   Over the past decade, there has been an increase in the contribution of non-interest income, relative to interest income, to the total income of banks. This paper investigates the effect of this shift in income on the efficiency and profitability of the banks. Data Envelopment Analysis (DEA) in conjunction with profitability ratios is used to estimate and compare the performance of the four largest banks  in South Africa over a period of ten years. There is evidence that non-interest income may lead to higher efficiency, but mixed results were found with regard to profitability. The practical implication of this study is that banks should focus moreon non-interest income as a source of income as a result of its multidimensionality, while interest income is only single dimensional as a result of the fixed gap between the Repo rate set by the South African Reserve Bank and the prime interest rate.

JEL Classification: C50, C61, D24, G21, L25

Keywords: Data Envelopment Analysis; return on assets; return on equity 		 
         
     
         
         
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