1 Financial Engineering Laboratory, Department of Production Engineering and Management, Technical University of Crete, University Campus, 73100 Chania, Greece 2 Department of Economics, University of Crete, 74100 Rethymno, Greece 3 Department of Economics, Finance and Accounting, Faculty of Business, Environment and Society, Coventry University, Priory Street, CV1 5FB Coventry, UK Determinants of profitability of domestic UK commercial banks: panel evidence from the period 1995-2002