29/11/2019

本文主要讲的是ROE和ROA模型，从本质上讲，为ROA和ROE开发的两个模型的行为非常相似，因为这两个模型都具有相同的统计显著性的变量集(以及相同的统计上与零无差异的变量集)。所有这些变量的因果关系方向，无论是否具有统计学意义，都是相同的。因此，可以合理地说，对于给定的数据，ROA和ROE模型的行为方式是相同的。上述实证模型表明，ROE和ROA模型的市场份额系数均具有统计学意义。本篇**代写论文价格**文章由英国论文人EducationRen教育网整理，供大家参考阅读。

Essentially, the two models developed for ROA and ROE behave very similarly in the sense that both the models have same set of variables which are statistically significant (and the same set of variables which are statistically not different from zero). The direction of causality for all these variables whether statistically significant or not significant, is also same. Thus, it is reasonable to say that for the given data, the ROA and ROE models behave in the same way.The empirical model developed above shows that the coefficient of market share is statistically significant for both the ROE and ROA model.

It is also evident from the model that the coefficient for market share is positive. This implies that market share has a positive bearing on profitability. Another observation here is that the effect of concentration is statistically not significant on profitability of the banks. All these findings are in line with the inferences and deductions of other researchers like Smirlock (1985) and Goldberg & Rai (1996).

The paper deals with developing an empirical relationship between the profitability of the banks and their market share and market concentration. For this purpose, the paper uses the data of three largest banks in four different countries across five years. The banks included in the study have both positive and negative ROA and ROE so that diversity in terms of their performance can be achieved through the data. To capture changes in the market structure across time and geographies, different countries and different years are taken. This when combined together with different banks in each geography and year, gives a dataset diverse enough to capture variations in the market and conduct as well as structural efficiencies of the banks.

The analysis of the data using ordinary least square regressions shows that the behaviour of the profitability is consistent across both the indicators used to measure profitability. The analysis uses two separate OLS regressions to develop causality between profitability measures and the set of independent variables. The variables of interest here are market share and market concentration. The other variables namely the GDP, CPI and the deposits are used as control variables. The control variables do not directly impact the dependent variables, but they do control for changes or reactions in them indirectly.

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