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Indian Economy

By Indian Banks and Bikram De

Abstract

like to thank Dr. Rupa Rege Nitsure for her guidance, comments and suggestions. He is thankful to Mr. N. Balasubramanian and Mr. Amit Padhye from the ICICI Bank Treasury for their suggestions. He gratefully acknowledges the comments of Prof. T.T. Rammohan, Dr. Ghanti Subrammaniam, Dr. Jayati Sarkar, Prof. Veena Mishra and other participants at the Fifth Annual Conference on Money and Finance in the Indian Economy held at IGIDR, Mumbai between Jan 30 and Feb 1, 2003. He would also like to thank Arun N. Sudheer for his untiring In this paper, we use Panel Regression techniques to analyse the effects of ownership on bank performance in the context of an emerging economy, India. The literature points to mixed results in this context. We find that with the entire sample of public sector banks, old private sector banks and new private sector banks, ownership does not seem to have any effect on the Return On Assets but, public sector banks do seem to have higher Net Interest Margin and Operating Cost Ratio. However, when the State Bank of India and its seven associates are dropped from the sample, we find that new private sector banks start showing a higher Return On Assets

Year: 2003
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