Internet Banking as Determinant of Pakistan Banking Sector Profitability: ROA & ROE Model

Sundas Rauf, Fu Qiang, Rashid Mehmood


Information and Communication Technology (ICT) has challenged a new infrastructure for the world economy to be truly competitive in this world of globalization, efficiency and accuracy. Internet or online banking system is one of those challenges given by ICT which has become fundamental technology compelled revolution in piloting financial transactions. However, banks have invested huge resources in this direction along with the validation to accept it by users as a useful way.  Although, the purpose of this study is to investigate the waves of internet banking transactions on profitability as ROE and ROA of Pakistan banking sector by smearing regression analysis on quarterly collected financial data obtained from statistics department of State Bank of Pakistan for the period of 2004 to 2013. The results demonstrate a positive and significant impact of internet banking on ROE and ROA of Pakistan banking sector overall for the long run.

Keywords: Internet Banking, ROE, ROA, Pakistan

Full Text: PDF
Download the IISTE publication guideline!

To list your conference here. Please contact the administrator of this platform.

Paper submission email:

ISSN (Paper)2222-1905 ISSN (Online)2222-2839

Please add our address "" into your email contact list.

This journal follows ISO 9001 management standard and licensed under a Creative Commons Attribution 3.0 License.

Copyright ©