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Item type:Publication, A DEA and random forest regression approach to studying bank efficiency and corporate governance(Palgrave Macmillan, 2021-05-10)We employ Data Envelopment Analysis to estimate the new technical, new cost, and new profit efficiency of Indian banks over the period 2008–2018. Then, we use Random Forest Regression to examine the impact of corporate governance (Board Size, Board Independence, Duality, Gender Diversity, and Board Meetings), bank characteristics (Return on Assets, Size, and Equity to Total Assets), and other characteristics (Ownership and Years) on bank efficiency. Among others, we found that board characteristics play a significant role particularly in new profit efficiency; therefore, policymakers and regulators should consider Board Size, Board Independence, Board Meetings, and Duality while framing guidelines for enhancing bank new profit efficiency. We also found that Board Independence plays a vital role in bank new cost efficiency, while Gender Diversity contributes to both new technical and new cost efficiency. This study makes methodological contributions by employing Machine Learning based Random Forest Regression in tandem with Data Envelopment Analysis under a two-phase model to examine corporate governance and bank efficiency, which is a pioneering attempt. - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Demonetisation, Financial Inclusion and Bank Efficiency(SAGE Publishing, 2026-01-01)We estimate three efficiencies, namely new profit, new cost and new technical, to examine the impact of demonetisation and financial inclusion on bank performance in India. Bank efficiency for the 2011–2019 period across size and ownership groups is measured using data envelopment analysis (DEA). In the second stage, differences in impact of the event across bank groups and efficiency types, using repeated analysis of variance (ANOVA), are observed. Significant effects across size and ownership, albeit not uniform across groups, events and efficiency types, were found. There was an increase in the number of frontier banks. SBI, the state-owned and largest bank, with the most significant role in those policies, had seen a positive impact on cost and profit efficiency. Our study is perhaps the first of its kind to examine demonetisation and financial inclusion impact on the banking sector and a two-stage estimation that combines DEA with repeated ANOVA. Our study does not lend support to the view that those events have burdened and adversely affected banks. The study carries important managerial and policy implications and provides much-needed scientific evidence to the popular debate on the impact of the events. JEL Codes: G21, G34, D61, M40