Attachment will help you find the relevant literature on the determinants of profitability of banks.

To add to what others have yet said , i would like to remind you to not forget bank sector variables and macroeconomic variables which also are critical in highlighting bank performance

the three objectives are general, for example profitability include return(on equity ,on assets , on investment ..etc ) ,return result from social responsibility programs ,development ,retained earning ,distributions... and so on,also safety include sub objectives like adequacy,stability ....etc ,and liquidity includes sub objectives ,the question is :

what are else? remember these objectives take in mind macro factors such as cash credit to the GDP or deposits to GDP

Hii,

We can add the following factors:

* Management of all risks

* Management of capital

* NPL management

* organizational structure

* Customer relations management

* Brand Management

* Use of effective technology

* Cost management

* Dynamic pricing

In addition to Irem Hussaine paper, i think the proportion of performing loans, engagement of ICT, level of social responsibility, adequacy of capital, interest rate spreads, political situations, nature or integrity of head of government of countrythe , economic stability, exchange fluctuations, among others impact on bank performance. thank you

the three objectives are general, for example profitability include return(on equity ,on assets , on investment ..etc ) ,return result from social responsibility programs ,development ,retained earning ,distributions... and so on,also safety include sub objectives like adequacy,stability ....etc ,and liquidity includes sub objectives ,the question is : what are else? remember these objectives take in mind macro factors such as cash credit to the GDP or deposits to GDP

I believe the framework you ar elooking for is CAMELS - this assessment of banks applies Capital Adequacy, Management, Earning, Liquidity and Sensititvity.

CA is defined using Tangible Tier I of 4.5%, SLR/Capital Conservation Buffer of 2.5% and, Equity/RWA and other related measures.

A is also for asset quality, enforced by liquidity and verifiability of assets on the balance sheet and a standard ratio of off balance sheet assets

Management capability uses internal control assessments aka the SOX compliance systems and general degree of compliance and forward looking actions by managers

Earnings are measured in Earnings before Interest and Tax, Return on Capital/Equity and Ratio of NII to Non interest income

L is liquidity including short term assets to cover short term liabilities but after verifying cash like nature of these short term assets, it also refers to other ALM stengths of the bank and its Interest rate risk

S or sensitivity refers primarily to market risk but includes interest rate risk more comprehensively than the previous measure.

https://en.wikipedia.org/wiki/CAMELS_rating_system

The long-term survival of a bank depends on the quantity of real assets (natural resources of land, location of real estate, machinery) as accounting collateral. We have just to take a look on the oldest private banks on this globe and their survival rates.