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Title I Industry Concentration and Asset Quality as Determinate of Financial Performance: A Comparative Study of Indigenous and Foreign Owned Universal Banks
Authors Gadzo, S.G.
Anaman, Em.At.
Pobbi, M.
Asiamah, S.K.
ORCID
Keywords концентрація галузі
концентрация отрасли
Industry concentration
якість активів
качество активов
Asset Quality
фінансові показники
финансовые показатели
Finnacial Performance
корінні банки
коренные банки
Indigenous banks
банки в іноземній власності
банки в иностранной собственности
Foreign owned banks
Type Article
Date of Issue 2019
URI http://essuir.sumdu.edu.ua/handle/123456789/73868
Publisher Sumy State University
License
Citation Gadzo S.G., Anaman, Em.At., Pobbi, M., Asiamah, S.K. (2019). I Industry Concentration and Asset Quality as Determinate of Financial Performance: A Comparative Study of Indigenous and Foreign Owned Universal Banks. Financial Markets, Institutions and Risks, 3(2), 79-90. http://doi.org/10.21272/fmir.3(2).79-90.2019.
Abstract This study assessed the link between industry concentration and asset quality as key determinate of financial performance through the use of the panel regression model. The sample for the study com-prised 24 universal banks for the 2009 to 2018. It was found that, the financial performance of the indigenous banks was influenced by asset quality and moderating variables like capital adequacy, liquidity and bank size while the level of industry concentration does not influence the financial per-formance of the indigenous universal banks. The results also indicated that, the financial performance of the foreign banks is not influenced by asset quality but rather operational efficiency, liquidity, bank size and industry concentration. It is recommended that, since poor asset quality through non-performing loans adversely affect the financial performance of both indigenous and foreign banks, banks should increase their size through investment in technology to diversify the effect of asset qual-ity on financial performance.
Appears in Collections: Financial Markets, Institutions and Risks (FMIR)

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