000			01083pab a2200169 454500
008			180718b1998 xxu||||| |||| 00| 0 eng d
100			_aDas, Abhiman
245			_aPortfolio risks and scale economies in banking: the Indian case
260			_c1998
300			_ap.3-12
362			_aJul
520			_aThis article examines the impact of portfolio risk, as measured by the asset quality, on bank costs and scale economy estimates in the context of Indian public sector banks by using a translog cost function approach. It is proved that banks with poor loan quality will have higher costs, but the direct impact of loan quality on bank costs appears to be small. Loan quality also affects significantly the translog cost function and scale economy estimates. Diseconomies of scale are likely to exist only for very large banks (deposit size > Rs.20000 crore) and this is more pronounced for banks which have high non-performing loan ratios. - Reproduced
650			_aBanks - India
650			_aBanks
773			_aInternational Journal of Development Banking
909			_a40626
999			_c40626 _d40626