Structure, Conduct and Performance Analysis of Indian Commercial Banks

IF 0.6 Q4 ECONOMICS

South Asian Journal of Macroeconomics and Public Finance Pub Date : 2016-12-01 DOI:10.1177/2277978716671042

Ratna Barua, Malabika Roy, Ajitava Raychaudhuri

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引用次数: 3

Abstract

The market structure, conducts and performance of the Indian banking sector have changed since the introduction of banking sector reforms. Slower economic growth, coupled with asset quality problems in recent years, has taken a toll on the overall health of the Indian banking sector. Higher statutory capital requirement under Basel III has posed another major challenge to the Indian banks. The purpose of the study is to examine the impact of structural changes and conduct of Indian commercial banks on their profitability in the paradigm of structure–conduct–performance (SCP) framework. Market concentration, bank-specific/macroeconomic variables have been considered as important determinants of the profitability. The regression results find a negative relationship between profitability and market concentration and reject SCP hypotheses. The study found that capitalization, credit risk, leverage and ownership structure are the most important determinants of the profitability of Indian banks. The study also found that financial crisis had no significant impact on the profitability of Indian banks. JEL Classification: C4, G21, G28, L19

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印度商业银行的结构、行为与绩效分析

自银行业改革以来，印度银行业的市场结构、行为和绩效发生了变化。经济增长放缓，加上近年来出现的资产质量问题，对印度银行业的整体健康状况造成了损害。根据巴塞尔协议III，更高的法定资本要求对印度银行构成了另一个重大挑战。本研究的目的是在结构-行为-绩效(SCP)框架范式中考察印度商业银行的结构变化和行为对其盈利能力的影响。市场集中度、银行特有的宏观经济变量被认为是盈利能力的重要决定因素。回归结果显示盈利能力与市场集中度呈负相关，拒绝SCP假设。研究发现，资本、信贷风险、杠杆和所有权结构是印度银行盈利能力的最重要决定因素。研究还发现，金融危机对印度银行的盈利能力没有显著影响。JEL分类:C4, G21, G28, L19

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来源期刊

South Asian Journal of Macroeconomics and Public Finance ECONOMICS-

CiteScore

2.10

自引率

11.10%

发文量

期刊介绍： The purpose of the Journal is to publish (in English language) peer-reviewed articles, reviews and scholarly comments on issues relating to contemporary global macroeconomics and public finance by which is understood: The Journal is for all professionals concerned with contemporary Macroeconomics and Public Finance and is a forum for all views on related subjects. The Editorial Board welcomes articles of current interest on research and application on the areas mentioned above. The Journal will be international in the sense that it seeks research papers from authors with an international reputation and articles that are of interest to an international audience. In pursuit of the above, the journal shall: a. draw on and include high quality work from the international community of scholars including those in the major countries of Asia, Europe, Asia Pacific, the United States, other parts of the Americas and elsewhere with due representation for considerations of the readership. The Journal shall include work representing the major areas of interest in contemporary research on Macroeconomics and Public Finance and on a wide range of issues covering macro- economics, tax and fiscal issues, banking and finance, international trade, labour economics, computational and mathematical methods, etc. The Journal would particularly engage papers on pure and applied economic theory and econometric methods. b. avoid bias in favour of the interests of particular schools or directions of research or particular political or narrow disciplinary objectives to the exclusion of others. c. ensure that articles are written in a terminology and style which makes them intelligible, not merely within the context of a particular discipline or abstract mode, but across the domain of relevant disciplines.