Das, Abhiman and Ghosh, Saibal (2005): Is there excess capacity in rural banking markets: Some empirical insights for India. Published in: Prajnan , Vol. 33, No. 4 (January 2005): pp. 121-142.
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According to economic theory, there are at least three indicators of excess capacity in banking: (a) low loan-to-asset ratio, (b) low profitability and (c) high per unit operating expense. If excess capacity exists, it will be easiest to identify, through these indicators, at regional rural banks. Using bank level data on regional rural banks in India for the period 1991 to 2001, the paper uncovers little evidence of excess capacity using simultaneous equation techniques; univariate analysis reinforces the findings.
|Item Type:||MPRA Paper|
|Original Title:||Is there excess capacity in rural banking markets: Some empirical insights for India|
|Keywords:||regional rural banks; excess capacity; india|
|Subjects:||G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages|
|Depositing User:||Saibal Ghosh|
|Date Deposited:||17. Sep 2009 09:16|
|Last Modified:||12. Feb 2013 18:19|
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