interest margin (NIM) and its components, retail lending and retail deposit rates. Using two proprietary bank-level data sets …, I find a positive impact of the level of the short-term rate on the NIM, which increases substantially at negative … market rates. As low profitability could hamper the ability of banks to expand lending, I also investigate the impact of the …

(ROAA), Return on Avg. Equity (ROAE), Net Interest Margin (NIMAR), and Profit Margin (NMAR), this study contributes to the …-shaped relationship between the two capitalization measures, i.e., CR and CAR, and the four profitability measures, i.e., ROAA, ROAE … Adequacy Ratio (CAR), and Minimum Capital Requirement (MCR), and four measures of profitability, i.e., Return on Avg. Assets …