Impact of Bank-Specific and External Factors on Profitability: An Empirical Study of PSU Banks in India

Q3 Business, Management and Accounting

Journal of Asia-Pacific Business Pub Date : 2020-07-02 DOI:10.1080/10599231.2020.1783983

Birajit Mohanty, Sankersan Sarkar

引用次数: 4

Abstract

ABSTRACT Owing to increased banking regulation and competition, banks are facing challenges to maintain their profitability. This article studies the affect on profitability of banks’ internal factors and external economic factors. The evidence shows that liquidity risk has a significant negative affect on profitability of the PSU banks. Also operational risk and capital efficiency have a significant negative impact on profitability. Return on assets, bank size, and economic growth rate are found to influence profitability negatively; only the affect of the former was statistically significant. Increase in nonperforming assets adversely affects profitability.

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银行自身因素和外部因素对盈利能力的影响:印度PSU银行的实证研究

摘要由于银行监管和竞争的加剧，银行在保持盈利能力方面面临挑战。本文研究了银行内部因素和外部经济因素对盈利能力的影响。研究表明，流动性风险对PSU银行的盈利能力有显著的负面影响。此外，运营风险和资本效率对盈利能力也有显著的负面影响。资产回报率、银行规模和经济增长率对盈利能力产生负面影响；只有前者的影响具有统计学意义。不良资产的增加对盈利能力产生不利影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Asia-Pacific Business Business, Management and Accounting-Business and International Management

CiteScore

2.50

自引率

0.00%

发文量

期刊介绍： Present circumstances underscore the need to improve the understanding of conducting business with and within the Asia-Pacific countries. The Journal of Asia-Pacific Business™ provides a blend of cutting-edge knowledge and practical applications on business management and marketing strategy. In the Journal of Asia-Pacific Business™, you will find articles and feature sections that provide a pragmatic view of the business environment in this dynamic region. This essential resource offers readers a good blend of descriptive, conceptual, and theoretical articles dealing with current topics.