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The study focuses on checking the effect of Leverage Risk, Credit Risk, Implicit Interest Payment, Non-Interest Bearing Reserve and Management Efficiency on Net Interest Margin of the banks of Pakistan, India and Bangladesh. This study applies Generalized Method of Moment GMM and panel regression model to explore the impact of risk factors on net interest margin which banks face in providing immediacy. A descriptive analysis of data was performed to get sample characteristics. A set of 33, 37 and 18 banks from Pakistan India and Bangladesh respectively was selected as sample. The data were collected from annual reports of selected banks. The results show that net interest margin has negative and significant effect on the credit risk. Implicit interest payment has positive and significant impact on net interest margin. Leverage risk has significant and negative effect on the net interest margin. Management efficiency has positive and significant effect on the net interest margin. Non-interest bearing reserve also positively and significantly affects the net interest margin. These results recommend the financing policy that banks should consider specific ratios which may increase the net interest margin and also reduce the credit risk.

Determinants of Net Interest Margins in Emerging Markets: A Generalized Method of Moments Approach