The effect of banking channels and efficiency indicators on bank profitability

This article proposes two models to analyze profitability banking. Using panel data methodology it’s analized the relationship between operational efficiency indicators and banking access channels alternative branch with ROA ROE. The main findings are that Net Operating Margin (MNO) has a direct relationship. noninterest (MNNI) Asset Utilization (RA) have negative impact on ROA. Regarding channels, Automatic Teller Machines (ATMs) positive, albeit weak, impact. Point of Sale Terminals (POS) significant but in reverse. As for ROE, MNO MNNI related same sense as Capital Multiplier (MC) presents Mobile Banking (NBM) POS show inverse relationship, while ATM is direct.