한국관련자료
Noninterest Income, Macroprudential Policy and Bank Performance
Noninterest income has become an increasingly important component of overall income for banks, while macroprudential policy has become a key method of maintaining financial stability. Meanwhile, studies show that noninterest income has an important, and potentially adverse effect on bank profitability and risk. In light of these developments, we investigate the effect of macroprudential policy on noninterest income for a large global sample of banks. We find a consistently positive effect, which in turn tends to raise risk and, for some samples, reduce profitability. This is the case especially for induced rises in non-fee income such as net capital gains, dividends and other income.
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