Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/329007 
Year of Publication: 
2024
Citation: 
[Journal:] Economies [ISSN:] 2227-7099 [Volume:] 12 [Issue:] 4 [Article No.:] 81 [Year:] 2024 [Pages:] 1-17
Publisher: 
MDPI, Basel
Abstract: 
This comparative study analyzed the impact of loan portfolio composition on the efficiency of different types of banks in India-public sector, old private, and new private banks-in the period between 2013 and 2022. Efficiency was evaluated using data envelopment analysis (DEA). The study considered four loan variables-term lending, working capital, priority sector lending, and secured lending in proportion to the overall loans-as independent factors against the efficiency score as the dependent variable, using a random-effects generalized least squares (GLS) regression framework. The results indicate that there were no significant effects on the efficiency of old private banks, except for working capital, which had a marginally negative impact on bank efficiency. Working capital, priority sector lending, and term lending have been found to significantly impact the efficiency of new private banks. Only term and working capital loans significantly affected the efficiency of public sector banks.
Subjects: 
banking
data envelopment analysis
efficiency
GLS regression
Hausman
priority sector
JEL: 
G21
G28
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by Logo
Document Type: 
Article

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