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Determinants of the Rate of Return on Commercial Bank Assets in the United States, 1959-1998

Cebula, Richard (2000): Determinants of the Rate of Return on Commercial Bank Assets in the United States, 1959-1998. Published in: The Journal of American Academy of Business , Vol. 12, No. 1 (30. September 2001): pp. 157-159.

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Abstract

This exploratory note empirically investigates determinants of the annual percentage rate of return on commercial bank assets over the period 1959-1998. The findings indicate that this rate of return has been an increasing function of the average annual interest rate yield on three-year U.S. Treasury notes and the Federal Deposit Insurance Corporation Improvement Act of 1991 and a decreasing function of inflation, the percentage unemployment rate, and the increased competition that began in the 1980’s.

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