Impacts of risk and competition on the profitability of banks: Empirical evidence from Pakistan.

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ID: 70419
2019
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Abstract
The purpose of this paper is to investigate the impact of risk and competition on the profitability of the Pakistani banking industry. Data are retrieved from the annual statements of banks, the Ministry of finance Pakistan and the World Bank covering the period of (2007-2017). Two steps Generalized Method of Moments (GMM) with the collapse command is used as an estimation technique to overcome endogeneity, unobserved heterogeneity and autocorrelation problems. The results of the study showed that the liquidity risk has positive while credit risk, insolvency risk and competition hurt negatively the profitability of Pakistani banks. The results of the study also revealed that capitalization, size, taxation and GDP growth rate positively affect the Banks' profits while banking sector development and infrastructure negatively affect banking profitability in Pakistan. The operational cost management positively affects net interest margins but negatively affects ROA and PBT in the Pakistani banking industry.
Reference Key
shair2019impactsplos Use this key to autocite in the manuscript while using SciMatic Manuscript Manager or Thesis Manager
Authors Shair, Faluk;Sun, Na;Shaorong, Sun;Atta, Firdos;Hussain, Muhammad;
Journal PloS one
Year 2019
DOI
10.1371/journal.pone.0224378
URL
Keywords
energy consumption gdp ekc hypothesis co(2) emissions fiscal policy

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