Analyzing the Nexus Between Green Banking Initiatives for Sustainable Environment and Bank’s Profitability using Panel Data
持続可能な環境のためのグリーンバンキング施策と銀行収益性の関係分析：パネルデータを用いて (AI 翻訳)
Biplab Kumar Dey, Prof. Mihir Kumar Shome
🤖 gxceed AI 要約
日本語
本研究は、インドの商業銀行16行の1996年から2019年のパネルデータを用いて、グリーンバンキングの導入と収益性（ROA、ROE）の関係を分析。2005年を導入転換点とし、FDPRモデルを適用。結果、グリーンバンキングはROAと正の相関を示したが、ROEとの有意な関係は見られなかった。伝統的な財務指標（純利益、費用）はROAに負の影響を与えた。
English
This study analyzes the relationship between green banking implementation and profitability (ROA, ROE) using panel data from 16 Indian commercial banks from 1996 to 2019, with 2005 as the transition point. Fast Data Panel Regression models show a strong positive association between green banking and ROA post-implementation, but no significant link with ROE. Net income and expenses negatively impact ROA.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
インドの事例だが、日本の金融機関がグリーンバンキング（環境配慮型融資等）の収益性評価を行う際の参考になる。ただし、日本のGX政策（GXリーグ、トランジションファイナンス）との直接的な関連は薄い。
In the global GX context
This paper provides empirical evidence from India on the financial returns of green banking, relevant to global discussions on ESG and sustainable finance. However, it does not directly address TCFD, ISSB, or other disclosure frameworks, limiting its direct applicability to global GX reporting standards.
👥 読者別の含意
🔬研究者:Provides empirical evidence on the green banking-profitability nexus in an emerging market context.
🏢実務担当者:Offers insights for banks considering green initiatives, but limited to Indian context.
🏛政策担当者:May inform policies promoting green banking in developing economies.
📄 Abstract（原文）
Green banking is a new concept in the finance industry that encourages socially responsible investing while reducing the carbon footprint in the financial sector. The study employs panel data regression to analyse the relationship between implementation of green banking and profitability of Indian commercial banks. Data was collected from 16 banks (both public and private sector institutions) from 1996 to 2019 with 2005 used as the transition point for the acceptance of green banking measures. Specifically, the study employs Fast Data Panel Regression (FDPR) models to analyze the association between net income, expenses, green banking implementation with profitability in terms of return on assets (ROA) and return on equity (ROE)[2] The results show a strong positive association between green banking and ROA for the post-implementation duration of 2019 highlighting that these green initiatives are starting to pay off in monetary terms, in due course. Nonetheless, no substantial association was noted between green banking and ROE, suggesting that shareholder returns are not yet affected by environmental sustainability practices. Net income and expense both have negative impact on ROA, confirming the relevance of traditional financial indicators in addition to their green efforts. Despite green banking being proven as a way to enhance operational profitability, market and stakeholder dynamics resulting from awareness and maturing of stakeholder equity means that green banking has little, if any impact on returns on equity. Key Takeaways Add the Key Takeaways paragraph for Earnings Release Add the Key Takeaways to a Spotlight Card Add the Key Takeaways to a Sidebar with Links Add the Key Takeaways to the Press homepage
🔗 Provenance — このレコードを発見したソース
- openaire https://doi.org/10.64252/pj8q9k56first seen 2026-05-05 19:07:39
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