the model is calibrated to pre-industrial mortality data from England, France and Sweden. By fitting parameters to match …

Objective: The objective of the article is to empirically examine the predictors of ROA and ROE for banks and insurance … significant and negative for ROE. Banks earned lower return on their assets and higher return on their equity than insurance … findings of internal predictors of ROA and ROE in banking. It is one of the first studies to examine predictors of ROA and ROE …

variables directly related to the insurance product (e.g., a regulatory restriction of insurance acquisition costs) as well as … those resulting from the specificity of the bancassurance channel, such as the sales of banking products, i.e., cash loans … importance of insurance distribution in banks. Significant risk factors (statistically significant) which determine gross …

The financial system in the Kingdom of Saudi Arabia (KSA) has a history of relative soundness, particularly in banking … in the financial sector. The working hypothesis is that the insurance industry has improved its position, resulting in …