Abstract
The goal of the current paper is to identify which general services provided by commercial banks are vital for banks' profitability. In the present research, profitability is expressed by return on assets and return on equity. The following general determinants that are analysed in the context of general information of banking sector, influencing profitability were examined: number of branches, number of automated teller machines (ATMs), number of internet banking users, number of mobile banking users, and number of debit cards, number of credit cards, the total number of payment cards, and number of point-of-sale (POS) terminals. The results of the research showed that the number of POS does not influence the profitability of commercial banks, while other independent variables affect at least one profitability measure.
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