Impact of Interest Rates Changes on Banking Profitability Sector in India: An Empirical Research on the Profitability Performance of Selected Nationalized Banks in India

Q1 Business, Management and Accounting Pakistan Journal of Commerce and Social Science Pub Date : 2022-03-30 DOI:10.56209/jsc.v2i1.7

Hingu Hitenkumar Dineshbhai

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Abstract

The study designed the impact of an interest rate change on the profitability of the banking sector in India. In this work comparative analysis of various profitability performance ratios like ROA, ROE, ROCE, Net Profit Margin Ratio, EPS, etc… and also find out the impact of interest rate on banks profitability with the help of correlation and regression analysis of selected nine nationalized banks in India. The data is collected through various annual reports of selected respective banks from 2011-12 to 2019-20. For the analysis, the data researchers have used various statistical tools like Mean, Ratio, Correlation Analysis, and Regression Analysis. This study concluded that out of all selected ratios, ROA, ROCE, Net Profit Margin Ratio, Net Interest Income/Total assets, Net Interest Margin Ratio and Capital adequacy Ratio indicated that null hypothesis is rejected which means there is a significant difference between these ratios of selected nationalized banks during the study period and also found that Bank Rate has significantly impacted on Net Profit Margin Ratio in all selected nationalized banks in India.

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利率变动对印度银行业盈利能力的影响:印度国有银行盈利能力的实证研究

该研究设计了利率变化对印度银行业盈利能力的影响。在本工作中，比较分析了各种盈利能力绩效比率，如ROA, ROE, ROCE，净利润率比率，EPS等，并通过相关分析和回归分析，找出利率对银行盈利能力的影响。这些数据是通过选定的银行在2011-12至2019-20年的各种年度报告收集的。为了进行分析，数据研究人员使用了各种统计工具，如均值、比率、相关分析和回归分析。本研究得出的结论是，在所有选定的比率中，ROA, ROCE，净利润率比率，净利息收入/总资产，净息差比率和资本充足率表明零假设被拒绝，这意味着在研究期间选定的国有化银行的这些比率之间存在显著差异，并发现银行利率对印度所有选定的国有化银行的净利润率比率有显着影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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