{"title":"存贷比对银行业绩的非线性影响:与巴基斯坦和中国的比较","authors":"Özcan Işik","doi":"10.52898/ijif.2022.10","DOIUrl":null,"url":null,"abstract":"The main objective of this study is to empirically study the influence of loan-to-deposit ratio (LTDR) on bank performance measured by return on assets (ROA) over the period 2010–2019. Based on the data of 24 listed Chinese banks and 15 listed Pakistani banks, this study uses the dynamic panel data regression technique (i.e. fixed effects GMM) to examine this relationship. We identify a nonlinear U-shaped relationship between LTDR and ROA for listed Pakistani banks. However, our results for listed Chinese banks indicate a non-linear inverted U-shaped relationship between LTDR and ROA. Our empirical findings suggest that policymakers should pay more attention to LTDR, which has the potential to improve banks’ profitability.","PeriodicalId":107863,"journal":{"name":"Sivas Soft Bilisim Proje Danismanlik Egitim Sanayi ve Ticaret Limited Sirketi","volume":"36 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"NONLINEAR EFFECT OF LOAN TO DEPOSIT RATIO ON BANK PERFORMANCE: A COMPARISON WITH PAKISTAN AND CHINA\",\"authors\":\"Özcan Işik\",\"doi\":\"10.52898/ijif.2022.10\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The main objective of this study is to empirically study the influence of loan-to-deposit ratio (LTDR) on bank performance measured by return on assets (ROA) over the period 2010–2019. Based on the data of 24 listed Chinese banks and 15 listed Pakistani banks, this study uses the dynamic panel data regression technique (i.e. fixed effects GMM) to examine this relationship. We identify a nonlinear U-shaped relationship between LTDR and ROA for listed Pakistani banks. However, our results for listed Chinese banks indicate a non-linear inverted U-shaped relationship between LTDR and ROA. Our empirical findings suggest that policymakers should pay more attention to LTDR, which has the potential to improve banks’ profitability.\",\"PeriodicalId\":107863,\"journal\":{\"name\":\"Sivas Soft Bilisim Proje Danismanlik Egitim Sanayi ve Ticaret Limited Sirketi\",\"volume\":\"36 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-11-30\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Sivas Soft Bilisim Proje Danismanlik Egitim Sanayi ve Ticaret Limited Sirketi\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.52898/ijif.2022.10\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Sivas Soft Bilisim Proje Danismanlik Egitim Sanayi ve Ticaret Limited Sirketi","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.52898/ijif.2022.10","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
NONLINEAR EFFECT OF LOAN TO DEPOSIT RATIO ON BANK PERFORMANCE: A COMPARISON WITH PAKISTAN AND CHINA
The main objective of this study is to empirically study the influence of loan-to-deposit ratio (LTDR) on bank performance measured by return on assets (ROA) over the period 2010–2019. Based on the data of 24 listed Chinese banks and 15 listed Pakistani banks, this study uses the dynamic panel data regression technique (i.e. fixed effects GMM) to examine this relationship. We identify a nonlinear U-shaped relationship between LTDR and ROA for listed Pakistani banks. However, our results for listed Chinese banks indicate a non-linear inverted U-shaped relationship between LTDR and ROA. Our empirical findings suggest that policymakers should pay more attention to LTDR, which has the potential to improve banks’ profitability.
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