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Does Financial Regulation Influence Bank Efficiency? A Study on UAE Banking Sector

In: Advances in Panel Data Analysis in Applied Economic Research

Author

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  • Rachna Banerjee

    (Higher Colleges of Technology)

  • Sudipa Majumdar

    (Middlesex University)

Abstract

A well-functioning, stable, and efficient banking system contributes to the economic growth of a country. Financial regulation has been highlighted as an important factor which influences bank performance and safety as evidenced by some of the studies in the past. This study analyzes the relationship between financial regulation and bank efficiency in the UAE. First part of our study is modeled on DEA analysis and indicates an improvement in profit efficiency during the selected period. The second part of our study analyzed the impact of financial regulations on the banks’ efficiency using Tobit regression. The regulatory variables included for this are loan to deposit ratio, advances to stable resources, total capital adequacy ratio, tier 1 capital to risk-weighted assets (RWA), provision coverage, and loan loss provision.

Suggested Citation

  • Rachna Banerjee & Sudipa Majumdar, 2018. "Does Financial Regulation Influence Bank Efficiency? A Study on UAE Banking Sector," Springer Proceedings in Business and Economics, in: Nicholas Tsounis & Aspasia Vlachvei (ed.), Advances in Panel Data Analysis in Applied Economic Research, chapter 0, pages 679-691, Springer.
    • Handle: RePEc:spr:prbchp:978-3-319-70055-7_47
    DOI: 10.1007/978-3-319-70055-7_47
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    Cited by:

    1. Sudipa Majumdar & Vijay Pujari, 2022. "Exploring usage of mobile banking apps in the UAE: a categorical regression analysis," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(3), pages 177-189, September.

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