An empirical examination of the relationship between credit risk management, size, profitability, and ownership of Indian banks
by Sirus Sharifi; Arunima Haldar; S.V.D. Nageswara Rao
International Journal of Managerial and Financial Accounting (IJMFA), Vol. 13, No. 1, 2021

Abstract: The study examines the impact of bank size, profitability, and ownership on excess capital for credit risk management (CRM) held by Indian banks. The model is estimated by panel regression method using data on 34 Indian banks during 2009 to 2016. The results suggest that size of Indian banks is related to excess capital held by them for managing credit risk. The positive relationship implies that large banks hold higher excess capital beyond the required minimum as per Basel norms. The study assumes importance in the context of significant changes in the institutional and regulatory framework of the Indian financial system.

Online publication date: Tue, 13-Jul-2021

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