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Mohamed Sindhasha, A. M.
- Impact of Bank Specific Determinants on Net Interest Margin: Empirical Evidence from Public and Private Sector Commercial Banks in India
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Authors
Affiliations
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 Department of Business Administration, Jamal Mohamed College, IN
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 Department of Business Administration, Jamal Mohamed College, IN
Source
ICTACT Journal on Management Studies, Vol 2, No 4 (2016), Pagination: 389-393Abstract
This empirical study critically examines the linkage between net interest margin of 43 public and private sector banks and bank specific determinants for the period 2002-2003 to 2013-2014. The study aims to find the association between Net Interest Margin (NIM) and bank specific determinants with the help of statistical tools such as descriptive statistics, multiple correlation analysis and multiple regression analysis. The analytical results confirmed the statistically significant relationship between net interest margin of public and private sector banks and bank specific factors such as return on investment, operating profits to total assets, provisions and contingences to total assets and burden to total assets ratios.Keywords
Net Interest Margin to Total Assets, Public and Private Sector Commercial Banks, Return on Investment, Multiple Regression Analysis.
References
- Jesus Gustavo Garza-Garcia, “What Influences Net Interest Rate Margins? Developed Versus Developing Countries”, Banks and Bank Systems, Vol. 5, No. 4, pp. 32-41, 2010.
- Arvid Raknerud, Bjorn Vatne and Ketil Johan Rakkestad, “How do Banks Funding Costs Affect Interest Margins?”, Norges Bank Working Paper, pp. 1-38, 2011.
- Tushar B. Dhas, “Net Interest Margin, Financial Crisis and Bank Behaviour: Experience of Indian Banks”, Department of Economic Policy and Research, RBI Working Paper Series, No. 10, pp. 1-28, 2013.
- Mirna Dumicic and Tomislav Ridzak, “Determinants of Banks Net Interest Margin in Central and Eastern Europe”, Financial Theory and Practice, Vol. 37, No. 1, pp. 1-30, 2013.
- Nadica Iloska and Sahara Global Macedonia, “Determinants of Net Interest Margins-the Case of Macedonia”, Journal of Applied Economics and Business, Vol. 2, No. 2, pp. 17-36, 2014.
- Pamuji Gesang Raharjo, Dedi Budiman Hakim, Adler Hayman Manurung and Tubagus N.A. Maulana, “The Determinant of Commercial Banks Interest Margin in Indonesia: An Analysis of Fixed Effect Panel Regression”, International Journal of Economics and Financial Issues, Vol. 4, No. 2, pp. 295-308, 2014.
- Determinants of Return on Assets:An Empirical Analysis of Public and Private Sector Commercial Banks in India
Abstract Views :131 |
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Authors
Affiliations
1 Department of Commerce with Accounting and Finance, PSG College of Arts and Science, IN
2 Department of Commerce, Jamal Mohamed College, IN
1 Department of Commerce with Accounting and Finance, PSG College of Arts and Science, IN
2 Department of Commerce, Jamal Mohamed College, IN
Source
ICTACT Journal on Management Studies, Vol 4, No 4 (2018), Pagination: 888-893Abstract
This empirical study critically investigates the relationship between return on Assets of 43 scheduled commercial banks in India and bank specific determinants for the period 2002-2003 to 2013-2014. The study aims to find the association between Return on Assets (ROA) and bank specific determinants with the help of statistical tools such as descriptive statistics, multiple correlation analysis and multiple regression analysis. The analytical results confirmed that the SBI and associates banks and new private sector banks operate in the same fashion whereas nationalised banks and old private banks are functioning in a similar way. These results imply the unique attributes of scheduled commercial banks.Keywords
Return on Assets to Total Assets, Public and Private Sector Commercial Banks, Return on Investment and Multiple Regression Analysis.References
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- Debaprasanna Nandy, “A Multivariate Analysis Approach of selecting Profitability Indicators-An Empirical Study of Commercial banks in India”, International Journal of Multidisciplinary Research, Vol. 1, No. 6, pp. 1-6, 2011.
- Fadzlan Sufian, “Profitability of the Korean Banking Sector: Panel Evidence on Bank-Specific and Macroeconomic Determinants”, Journal of Economics and Management, Vol. 7, No. 1, pp. 43-72, 2010.
- Khalid Ashraf Chisti, “The Impact of Asset Quality on Profitability of Private Sector Banks in India: A Case Study of JK, ICICI, HDFC & YES Banks”, Journal of Macroeconomic Review, Vol. 2. No. 1, pp. 126-146, 2012.
- P.K. Manoj, “Determinants of Profitability of Old Private Sector Banks in India with Focus on Banks in Kerala State: An Econometric Study”, International Journal of Research in Finance and Economics, Vol. 47, pp. 7-21, 2010.
- Nagaraju Thota, “The Determinants of Commercial Banks Profitability in India”, Available at: http://ssrn.com/abstract=2544838.
- Namita Rajput, Monika Gupta and Anand Sharma, “Profitability and Non-Performing Assets Indian Perspective”, International Journal of Social Science and Management, Vol. 1, No. 12, pp. 1-7, 2012.
- Subhendu Dutta, Nitin Gupta and Hanumantha Rao, “Determinants of Return on Assets of Public Sector Banks in India: An Empirical Study”, Pacific Business Review International, Vol. 5, No. 11, pp. 1-7, 2013.
- Vigneswara Swamy, “Impact of Macroeconomic and Endogenous factors on Non-Performing Assets”, International Journal of Banking and Finance, Vol. 9, No. 1, pp. 1-6, 2012.
- V.E.I.W. Weersainghe and Tissa Ravinda Perera, “Determinants of Commercial Banks in Sri Lanka”, International Journal of Arts and Commerce, Vol. 2, No. 10, pp. 1-12, 2013.