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Dynamics of income diversification and bank performance in India

机译：印度收入多元化与银行绩效的动态

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Purpose - The purpose of this paper is to examine the dynamics between income diversification and performance (cost, profit, revenue, technical, pure technical and scale efficiency) for 38 listed Indian banks within panel data framework during the period 2004-2005 to 2015-16. Design/methodology/approach - This study computes bank's cost, profit, revenue, technical, pure technical and scale efficiency within intermediation approach with data envelopment analysis (DEA) as a performance indicator, followed by exploring the association between income diversification and bank performance using truncated Tobit regression within panel data framework. Findings - Tobit regression results revealed inverted U-shaped relationship between the income diversification and estimated efficiency parameters for the overall panel. Size and bank intermediation ratio seems to be a major factor in exploiting the potential benefits of income diversification. The author reconfirmed the inverted U-shaped relationship with these efficiency parameters for exclusive subsamples consisting of government-owned and private sector banks. Research limitations/implications - Inverted U-shaped relationship between the income diversification and estimated efficiency parameters suggest that banks should go for limited diversification to improve performance. Thus, regulators and banks should pursue limited diversification strategy for improving banking efficiency. Originality/value - This study computes bank performance (cost, profit, revenue, technical, pure technical and scale efficiency) based on DEA followed by exploring the association between performance and income diversification for 38 Bombay stock exchange listed banks.
机译：目的 - 本文的目的是在2004 - 2005年至2015年期间，在面板数据框架内为38个上市的印度银行审查收入多样化和绩效（成本，利润，收入，技术，纯技术，纯技术，纯技术，纯粹的技术和规模效率）之间的动态。 16。设计/方法/方法 - 本研究计算银行的成本，利润，收入，技术，纯的技术和规模效率，以数据包络分析（DEA）为绩效指标，随后探索收入多样化与银行绩效之间的关联在面板数据框架内截断的tobit回归。调查结果 - Tobit回归结果显示了整个小组的收入多样化与估算效率参数之间的倒U形关系。尺寸和银行中间比率似乎是利用收入多样化潜在好处的主要因素。作者与这些效率参数重新确认了由政府拥有和私营部门银行组成的独家副页的效率参数。研究限制/影响 - 收入多样化与估计效率参数之间的倒U形关系表明，银行应采取有限多样化以提高性能。因此，监管机构和银行应追求有限的多样化战略，以提高银行效率。原创性/价值 - 本研究根据DEA计算银行绩效（成本，利润，收入，技术，纯粹的技术和规模效率，探讨了38个孟买证券交易所上市银行的绩效和收入多样化之间的关联。

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