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This paper concentrates on the impact of bank specific and institutional specific factors on the profitability of nationalized banks in India by considering three major profitability indicators such as Return on Assets (ROA), Return on Equity (ROE) and Net Interest Margin (NIM) for a period of 15 years from 2000-01 to 2014-15. The collected data have been analyzed by applying the statistical tools such as descriptive statistics, correlation analysis and multiple regression models. The results ensured statistically significant relationship among the bank specific and institutional specific variables such as Rural and SubUrban Branches to Total Branches (RSUBTB), Net Profit to Total Assets (NPTA), Logarithm of Total Assets (LGTA) and Operating Profit to Total Assets (OPTA) with that of the profitability factors namely ROA, ROE and NIM.

AN EMPIRICAL STUDY ON BANK SPECIFIC AND INSTITUTIONAL SPECIFIC FACTORS DELINEATING KEY PROFITABILITY INDICATORS OF NATIONALISED BANKS IN INDIA