Neues IFZ Working Paper No. 0010/2009

What determines the profability of commercial banks? New evidence from Switzerland

This paper analyzes the profitability of Swiss commercial banks over the period from 1999 to 2006. Our sample includes 1,919 observations from 453 banks. Among the banks studied, we found significant differences in profitability. To explain these differences, our regression analyses include not only bank-specific characteristics but also a set of macroeconomic and industry-specific variables, several of which seem not to have been considered previously in similar studies. By adding these variables to our model, we have gained important insights into what enhances the profitability of a Swiss commercial bank.

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Für das IFZ, Dr. Andreas Dietrich und Prof. Dr. Gabrielle Wanzenried