This study explored how emerging economy banks are rebalancing their interest income and non‐interest income to ensure stability. We set our study in India during the period 2005–2017. Interestingly, we observe that time–series correlation of interest income growth and non‐interest income growth for public sector banks as well as for private banks is on the negative side. We applied panel vector auto regression and generalised method of moments methodology. This study found that when bank interest income falls, they try to increase their non‐interest income to offset their losses to a certain extent, and the trend is increasing. Public sector banks are overall substituting non‐interest income for a reduction in the margin, and there is an increasing trend for this substitution. Based on the size of banks, it has been found that change in non‐interest income in the subsequent year due to change in interest income in the previous year is there for large banks, whereas no such significant change has been found in case of small banks.

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银行的所有权结构、规模和利息收入替代：印度背景下的探索性研究

本研究探讨了新兴经济体银行如何重新平衡其利息收入和非利息收入以确保稳定性。我们在 2005-2017 年期间在印度进行了研究。有趣的是，我们观察到公共部门银行和私人银行的利息收入增长和非利息收入增长的时间序列相关性是负面的。我们应用了面板向量自回归和广义矩方法。本研究发现，当银行利息收入下降时，他们会尝试增加非利息收入以在一定程度上抵消损失，并且有增加的趋势。公共部门银行总体上正在用非利息收入代替利润率的降低，而且这种替代有增加的趋势。根据银行规模，