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An empirical investigation of the effects of competition, efficiency and risk-taking on profitability: an application in Indian banking

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dc.contributor.author Rakshit, B.
dc.contributor.author Bardhan, S.
dc.date.accessioned 2021-10-24T07:10:26Z
dc.date.available 2021-10-24T07:10:26Z
dc.date.issued 2021-10-24
dc.identifier.uri http://localhost:8080/xmlui/handle/123456789/3119
dc.description.abstract The study investigates whether changes in bank competition, efficiency, and risk-taking affect the profitability of Indian commercial banks during 1996− 2016. While assessing the determinants of profitability, this study considers a wide range of bank-specific, macroeconomic, and institutional factors that explain the variations in bank profitability. Results estimated through the two-step system GMM indicate that a higher level of bank competition deteriorates bank profitability in Indian banking. Regarding risk-taking, results reveal that the growing incidence of credit risk hampers bank profitability for the whole banking industry and across ownerships. However, higher levels of profit and cost efficiency are positively associated with bank performance. Other bank-specific, macroeconomic, and institutional variables appear to have influenced bank profitability in India. The joint effect of competition and efficiency (or risk-taking) has further been examined in this study. en_US
dc.language.iso en_US en_US
dc.subject Competition en_US
dc.subject Efficiency en_US
dc.subject Stability en_US
dc.subject Profitability en_US
dc.title An empirical investigation of the effects of competition, efficiency and risk-taking on profitability: an application in Indian banking en_US
dc.type Article en_US


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