| Title |
Augmenting commercial banks' other income through off-balance sheet activities in relation to their determinants in the Indian banking system |
| ID_Doc |
74069 |
| Authors |
Kumar, V; Agrawal, V |
| Title |
Augmenting commercial banks' other income through off-balance sheet activities in relation to their determinants in the Indian banking system |
| Year |
2023 |
| Published |
Journal Of Sustainable Finance & Investment, 13, 1 |
| DOI |
10.1080/20430795.2021.1990833 |
| Abstract |
COVID-19 has a devastating impact on the global economy, particularly on robustness and resilience of emerging and developing economies' (EMDE's) economic-cum-financial systems. Reinventing banking practices with strategies are indispensable for sustainable growth. EMDEs like India have distinct country-specific business models. We aim to devise a sustainable model for augmenting banks' other income; analyzing off-balance sheet (OBS) activities in India, which may be applied in EMDEs' efficacy. We apply least-squares dummy variables and ordinary least squares models for fixed-effect regression analysis on OBS from 1996-2019. Regulatory determinants like capital adequacy, net non-performing assets, liquidity have more significant impact on OBS than bank-specific variables like bank size or macroeconomic like GDP. OBS can generate revenue is exemplified by strong relation to other income. Findings reveal that while assessing impact of COVID-19 on-balance sheets, banks should prioritize capital and contingency liquidity planning, focusing on OBS activities to augment other income in the revival strategy. |
| Author Keywords |
Emerging market and developing economies; Indian scheduled commercial banks; least-squares dummy variables regression model; ordinary least squares; multiple regression model; other income |
| Index Keywords |
Index Keywords |
| Document Type |
Other |
| Open Access |
Open Access |
| Source |
Emerging Sources Citation Index (ESCI) |
| EID |
WOS:000710902000001 |
| WoS Category |
Business, Finance; Green & Sustainable Science & Technology |
| Research Area |
Business & Economics; Science & Technology - Other Topics |
| PDF |
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