:4, the findings reveal that, while bank-specific factors are dominant in case of state-owned banks, systemic variables tend … to overwhelm bank-specific factors in explaining behaviour of depositors of private banks. In case of private and foreign …

overcome the tendency for bank capitalisation that arises from systemic effects. If systemic effects are strong, regulation is …

reinforcing the other, although the results differ across bank size class. …

reveal that at the macro level, GDP growth and at the bank level, real loan growth, operating expenses and bank size play an …