Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Articles Article Faculty Publications -Articles Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource DETERMINANTS OF CREDIT RISK: EMPIRICAL EVIDENCE FROM INDIAN COMMERCIAL BANKS Subject The topic of the resource credit risk; fixed effect; loan loss provisions; nonperforming loans; random effect Description An account of the resource Credit risk is a significant factor affecting the financial stability of banks. Keeping the credit risk under control is essential to maintain a banks cash flow. This paper examines the various profitability, microeconomic and macroeconomic indicators that affect a banks credit risk. The study uses the dataset of 31 banks from 2012 to 2021 and employs a panel data modelling approach to account for any variations in risk-taking behavior. The results revealed a statistically significant negative relationship between return on equity and credit risk when nonperforming loans proxy credit risk. This finding was consistent across fixed effect, random effect, and pooled OLS methods, at 1 percent significance (P value &lt; 0.00), indicating that the extent of credit risk decreases as profitability increases. It was further found that bank age and ownership type positively affect a banks credit risk, while factors such as bank size and operational efficiency negatively affect credit risk when nonperforming loans proxy credit risk. Further, macroeconomic variables showed that gross domestic product is positively associated with credit risk, while inflation negatively affects credit risk. Overall, the findings of this paper demonstrated that credit risk is affected by both micro and macroeconomic factors. The paper also addresses significant policy implications as it helps various stakeholders to examine the determinants of credit risk, make credit decisions, and ultimately lower their credit risk. Tisa Maria Antony, Suresh G., 2023. Creator An entity primarily responsible for making the resource Antony T.M.; Suresh G. Source A related resource from which the described resource is derived Banks and Bank Systems, Vol-18, No. 2, pp. 88-100. Publisher An entity responsible for making the resource available LLC CPC Business Perspectives Date A point or period of time associated with an event in the lifecycle of the resource 2023-01-01 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.21511/bbs.18(2).2023.08" target="_blank" rel="noreferrer noopener">https://doi.org/10.21511/bbs.18(2).2023.08</a> <br /><br /><a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85163441839&amp;doi=10.21511%2Fbbs.18%282%29.2023.08&amp;partnerID=40&amp;md5=f59ea17e261b1ed336bdae12512bfbdc" target="_blank" rel="noreferrer noopener">https://www.scopus.com/inward/record.uri?eid=2-s2.0-85163441839&amp;doi=10.21511%2fbbs.18%282%29.2023.08&amp;partnerID=40&amp;md5=f59ea17e261b1ed336bdae12512bfbdc</a> Rights Information about rights held in and over the resource All Open Access; Gold Open Access Relation A related resource ISSN: 18167403 Format The file format, physical medium, or dimensions of the resource Online Language A language of the resource English Type The nature or genre of the resource Article Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Antony T.M., School of Commerce, Finance and Accountancy, CHRIST (Deemed to be University), India; Suresh G., School of Commerce, Finance and Accountancy, CHRIST (Deemed to be University), India, Symbiosis Institute of Business Management, Symbiosis International (Deemed University), Bengaluru Campus, Pune, India