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Is there excess capacity in rural banking markets: Some empirical insights for India

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Author Info
Das, Abhiman
Ghosh, Saibal

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Abstract

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.

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File URL: http://mpra.ub.uni-muenchen.de/17354/
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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 17354.

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Date of creation: Jan 2005
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Publication status: Published in Prajnan 4.33(2005): pp. 121-142
Handle: RePEc:pra:mprapa:17354

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Related research
Keywords: regional rural banks; excess capacity; india;

Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages

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  1. Edward J. Frydl, 1993. "Excess capacity in the financial sector: causes and issues," Research Paper 9310, Federal Reserve Bank of New York.
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