ABSTRACT

Owing to increased banking regulation and competition, banks are facing challenges to maintain their profitability. This article studies the affect on profitability of banks’ internal factors and external economic factors. The evidence shows that liquidity risk has a significant negative affect on profitability of the PSU banks. Also operational risk and capital efficiency have a significant negative impact on profitability. Return on assets, bank size, and economic growth rate are found to influence profitability negatively; only the affect of the former was statistically significant. Increase in nonperforming assets adversely affects profitability.

中文翻译：

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特定于银行的外部因素对获利能力的影响：印度PSU银行的实证研究

摘要

由于银行监管和竞争的加剧，银行在维持盈利能力方面面临挑战。本文研究了对银行内部和外部经济因素的盈利能力的影响。有证据表明，流动性风险对PSU银行的盈利能力具有重大的负面影响。运营风险和资本效率也对盈利能力产生重大负面影响。发现资产回报率，银行规模和经济增长率会对盈利能力产生负面影响；只有前者的影响具有统计学意义。不良资产的增加对盈利能力产生不利影响。