THE EFFECT OF COVID-19

THE EFFECT OF COVID-19
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COVID-19 的影响

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发表时间：
2023
期刊：
影响因子：
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通讯作者：
J. Fernando
J. Fernando
中科院分区：
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文献类型：
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作者：
J. Fernando

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本研究旨在探讨COVID-19对南亚地区商业银行盈利能力的影响。本研究调查并评估了斯里兰卡、孟加拉国和巴基斯坦的持牌商业银行的财务业绩。数据来自2018年Q1至2021年Q3的15个季度的季度财务报表。本研究以斯里兰卡和孟加拉国的12家商业银行以及巴基斯坦的10家商业银行为样本。资本充足率、贷存款比、不良贷款率及COVID-19为自变量。资产收益率和净资产收益率是盈利能力的代理变量，银行规模和银行所有权是控制变量。使用面板回归分析数据。调查结果显示，COVID-19疫情严重影响斯里兰卡商业银行的盈利能力。相反，COVID-19疫情对巴基斯坦商业银行的盈利能力产生重大负面影响。此外，就大流行期间的盈利能力而言，巴基斯坦银行业是南亚地区受影响最大的银行业。这项研究的结果表明，银行应更多地纳入风险管理战略和巴塞尔III的要求。此外，无论银行规模大小，管理层都不应低估资本充足的重要性。因此，对CAR的一致性评估至关重要。此外，本研究建议银行管理者应更重视信用风险管理，尤其是在动荡的条件下。
This study aims to examine the effects of COVID-19 on the profitability of commercial banks in the South Asian region. This study investigates and evaluates licensed commercial banks' financial performance in Sri Lanka, Bangladesh, and Pakistan. The data were drawn from quarterly financial statements over 15 quarters from 2018 Q1 to 2021 Q3. Twelve commercial banks in Sri Lanka and Bangladesh and ten commercial banks in Pakistan have been taken as the sample for this study. Capital adequacy ratio, Loan to deposit ratio, Non-performing loan ratio, and COVID-19 are the independent variables. Return on assets and Return on equity are the profitability proxies, and bank size and bank ownership are the control variables. Panel regression was used to analyze the data. The findings revealed that the COVID-19 pandemic significantly impacts the profitability of commercial banks in Sri Lanka. And on the contrary, the COVID-19 pandemic significantly negatively impacts the profitability of commercial banks in Pakistan. Furthermore, Pakistan's banking sector was found as the primarily affected banking sector in the South Asian region in terms of profitability during the pandemic. The outcomes of this study suggest that banks should frame more into risk management strategies and Basel III requirements. In addition, irrespective of the size of the banks, the managers should not underplay the importance of capital adequacy. Hence consistent evaluation of the CAR is vital. And also, this study recommends that bank managers should focus more on credit risk management, particularly in turbulent conditions.