ISSN 2394-5125
 

Research Article 


EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan.

Abstract
The Indian commercial banking has witnessed various changes such as fraud cases, demonetization and sector sustainability during the study period year from 2009 2018, The paper focuses on to analyze affecting key drivers of Indian commercial banks bottom line. A sample of 30 banks was included, and ROA, R.O.E. and NIM were adopted as proxy variables to estimate profitability. The balanced panel data regression model was applied to achieve the desired objective.
The research outcomes depict the liquidity and asset management positively impacted both ROA and R.O.E., whereas, G.D.P., operational efficiency and demonetization negatively impacted ROA and R.O.E. As per NIM is concerned, inflation rate, asset management, capital adequacy ratio and asset quality have a substantially positive impact, and significant negative impact variables are G.D.P., deposit and operational efficiency.
The implication aspect is that banks should focus on liquidity and deposits for proper utilization and better performance. When a bank has more credits than debit, it depicts higher yield assets which produce more profitability. This results in an adverse relation between banks profitability and liquidity, which is required in our study. For improving the profitability policymakers and regulators should consider macroeconomic factors.

Key words: Profitability; Panel Data Analysis; Bank Determinants; India Commercial Banks, Bottom Line, Bank Profitability


 
ARTICLE TOOLS
Abstract
PDF Fulltext
How to cite this articleHow to cite this article
Citation Tools
Related Records
 Articles by Shakeb Akhtar
Articles by Tasneem Khan
Articles by Parvez Alam Khan
on Google
on Google Scholar


How to Cite this Article
Pubmed Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. JCR. 2020; 7(9): 1114-1125. doi:10.31838/jcr.07.09.205


Web Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. http://www.jcreview.com/?mno=115809 [Access: May 30, 2021]. doi:10.31838/jcr.07.09.205


AMA (American Medical Association) Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. JCR. 2020; 7(9): 1114-1125. doi:10.31838/jcr.07.09.205



Vancouver/ICMJE Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. JCR. (2020), [cited May 30, 2021]; 7(9): 1114-1125. doi:10.31838/jcr.07.09.205



Harvard Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan (2020) EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. JCR, 7 (9), 1114-1125. doi:10.31838/jcr.07.09.205



Turabian Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. 2020. EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. Journal of Critical Reviews, 7 (9), 1114-1125. doi:10.31838/jcr.07.09.205



Chicago Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. "EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK." Journal of Critical Reviews 7 (2020), 1114-1125. doi:10.31838/jcr.07.09.205



MLA (The Modern Language Association) Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan. "EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK." Journal of Critical Reviews 7.9 (2020), 1114-1125. Print. doi:10.31838/jcr.07.09.205



APA (American Psychological Association) Style

Shakeb Akhtar, Tasneem Khan, Parvez Alam Khan (2020) EXAMINE THE KEY DRIVERS AFFECTING BOTTOM LINE: A PANEL ESTIMATION STUDY OF INDIAN COMMERCIAL BANK. Journal of Critical Reviews, 7 (9), 1114-1125. doi:10.31838/jcr.07.09.205