The Effect of Macroeconomic Risks on the Net Interest Margin, with ESG as a Moderating Factor in the Banking Sector
This study analyzes the effect of macroeconomic risks—including interest rate risk, inflation risk, economic growth risk, and exchange rate risk—on the Net Interest Margin (NIM), and examines the role of Environmental, Social, and Governance (ESG) as a moderating variable. The study focuses on commercial banks in Categ...