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Jayanthi, M.
- An Empirical Study on Bank Specific and Institutional Specific Factors Delineating Key Profitability Indicators of Nationalised Banks in India
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Authors
Affiliations
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 Department of Commerce, PSG College of Arts and Science, IN
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 Department of Commerce, PSG College of Arts and Science, IN
Source
ICTACT Journal on Management Studies, Vol 3, No 1 (2017), Pagination: 427-432Abstract
This paper concentrates on the impact of bank specific and institutional specific factors on the profitability of nationalized banks in India by considering three major profitability indicators such as Return on Assets (ROA), Return on Equity (ROE) and Net Interest Margin (NIM) for a period of 15 years from 2000-01 to 2014-15. The collected data have been analyzed by applying the statistical tools such as descriptive statistics, correlation analysis and multiple regression models. The results ensured statistically significant relationship among the bank specific and institutional specific variables such as Rural and Sub-Urban Branches to Total Branches (RSUBTB), Net Profit to Total Assets (NPTA), Logarithm of Total Assets (LGTA) and Operating Profit to Total Assets (OPTA) with that of the profitability factors namely ROA, ROE and NIM.Keywords
Bank Specific, Institutional Specific, Nationalized Banks, Profitability Indicators.
References
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- An Exploratory Analysis on the Impact of Institutional-Specific Cum Macroeconomic Indicators on the Non-Performing Assets of SBI and Associate Banks in India
Abstract Views :162 |
PDF Views:0
Authors
Affiliations
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 School of Commerce, PSG College of Arts and Science, IN
1 School of Management Studies, Bannari Amman Institute of Technology, IN
2 School of Commerce, PSG College of Arts and Science, IN
Source
ICTACT Journal on Management Studies, Vol 3, No 4 (2017), Pagination: 625-631Abstract
The research aims at analyzing the influence of 5 industry-specific and 4 macroeconomic factors on the non-performing assets of SBI and Associate Banks in India by collecting the relevant data for a period of 10 years ranging from 2006-07 to 2015-16. The results of multiple correlation analysis ensured the positive correlation between Repo Rate (RR), Reverse Repo Rate (RRR), Unemployment Rate (UR) and Non-Performing Assets (GNPATA) whereas the variables such as Capital Adequacy Ratio (CAR), Cash Reserve Ratio (CRR) Prime Lending Rate (PLR), Money Supply (MS) and Gross Domestic Product Growth Rate (GDPGR) showed a negative impact on the non-performing assets. The Granger Causality Test confirmed the association of CAR, CRR, RRR, IR, MS, UR and GDPGR with the non-performing assets whereas the remaining variables such as PLR and RR portrayed a negative relationship with the non-performing assets. Further the Johansen Co-integration Test results witnessed that all the institutional-specific and macroeconomic variables are co-integrated with the non-performing assets of SBI and Associate Banks in India.Keywords
Institutional-Specific, Macroeconomic, Non-Performing Assets, SBI, Associate Banks.References
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