01149pab a2200169 454500008004000000100001400040245009300054260000900147300001300156362001100169520070000180650001800880650001000898700001800908700001900926773003400945180718b2001   xxu||||| |||| 00| 0 eng d  aKanan, R.  aDeterminants of net interest margin under regulatory requirements : an econometric study  c2001  ap.337-44  a27 Jan  aUsing data for the period 1995-96 to 1999-2000, this paper seeks to identify the factors influencing spreads of Scheduled Commercial Banks in India.  Among the explanatory variables, we incorporate, in addition to the standard set of variables, regulatory requirement variables.  Our analysis reveals that (i) size does not necessarily correlate with higher spread, and (ii) higher fee income enables banks to tolerate lower spreads.  With regard to regulatory requirement variables, it is found that (i) capital plays an important role in affecting spreads of public sector banks, and (ii) non-performing assets is uniformly important across all bank groups in influencing spreads. - Reproduced  aBanks - India  aBanks  aGhosh, Saibal  aNarain, Aditya  aEconomic and Political Weekly