Open Access
Original Article

Analysing Bank Performance: A Comparative Study of Banks in Oman and India

Commercia

View PDF

Volume 1, Issue 1,  Article Number: 251004 (2025) 

Coverpage Commercia - Vol. 1 Issue 1

Home >> Commercia >> Volume 1, Issue 1  

Mohammed Atif Hussain1,*  |  Nishtha Pareek1

1Department of Commerce and Management, Banasthali Vidyapith, Rajasthan (India)
*Corresponding Author: atifhussain1982@yahoo.co.in

Received: 11 January 2025 | Revised: 15 January 2025

Accepted: 16 January 2025 | Published Online: 20 January 2025

DOI: https://doi.org/10.5281/zenodo.15108457

© 2025 The Authors, under a Creative Commons license, Published by Scholarly Publication

Abstract

The results of banks in India and Oman from 2016 to 2023 are examined Regression analysis based on panel data is applied here with a particular focus on ROE, ROA, and total assets. For establishing the relationship between the Fixed Effects and Random Effects Models, this research has applied the Stata program. Based on the Hausman test, the best model is selected. From the data, it has been revealed that the financial performances of banks from two different countries differ highly. Indian banks have more total assets, but their ROA and ROE vary more than Omani banks, which exhibit better asset utilisation and equity returns. Regression research shows little explanatory ability for important factors like time, despite statistical differences, with delayed consequences being essential for comprehending performance. For the benefit of policymakers and industry stakeholders, the study emphasizes how managerial, structural, and market issues affect banks’ performance.

Keywords

Bank Performance, Total Assets, Return on Assets (ROA), Return on Equity (ROE), Financial Performance

References

  1. Akber, S. M., Mahjabeen, M. N., & Jumman, O. H. (2024). First and second-generation commercial banks in Bangladesh: A comparative financial analysis. Annals of Management and Organization Research, 5, 231–240.

[View Article]       [Google Scholar]

  1. Akkas, E., & Asutay, M. (2023). The impact of intellectual capital formation and knowledge economy on banking performance: a case study of GCC’s conventional and Islamic banks. Journal of Financial Reporting and Accounting, 21, 1149–1170.

[View Article]       [Google Scholar]

  1. Al-Musali, M. A., & Ku Ismail, K. N. I. (2016). Cross-country comparison of intellectual capital performance and its impact on financial performance of commercial banks in GCC countries. International Journal of Islamic and Middle Eastern Finance and Management, 9, 512–531.

[View Article]       [Google Scholar]

  1. Alam, S., Alam, M. N., & Sharif, W. (2019). Performance evaluation of Oman’s banking industry. Journal of Critical Reviews, 6, 92–99.

[View PDF]          [Google Scholar]

  1. Bilal, Z. O., Durrah, O. M., & Atiya, T. M. (2016). Comparative study on performance of Islamic banks and conventional banks: Evidence from Oman. International Journal of Economics and Financial Issues, 6, 1835–1841.

[View PDF]          [Google Scholar]

  1. Chaudhury, P., & Sana, A. K. (2024). Measuring Financial Performance of Non-Banking Financial Companies (NBFCs): Evidence from Select BSE-Listed NBFCs In India. Advancement in Management and Technology (AMT), 05, 42–54.

[View Article]       [Google Scholar]

  1. Tarawneh, M. (2006). A Comparison of Financial Performance in the Banking Sector: Some Evidence from Omani Commercial Banks. International Research Journal of Finance and Economics, 3, 101–112.

[View PDF]          [Google Scholar]

  1. Al-Aaraji, S. T. S. (2024). The Impact of Cash Liquidity and Financial Leverage on The Performance of Iraqi Banks: A Comparative Study Between Islamic and Conventional Banks. Journal of Economics and Administrative Sciences, 30, 389-404.

[View Article]       [Google Scholar]

  1. Arora, G. S. & Jain, A. (2023). Comparative Study of Performance of Indian Banks Using Camel Model. Shodhsamhita, 8, 339-347.

[View PDF]          [Google Scholar]

  1. Kalathinkal, R. (2017). A Comparative Study of Performance of Local Banks in Sultanate of Oman. International Journal of Research Studies, 1, 33–42.

[View Article]      

  1. Kumar, G., Murty, A., Ranjan, D. A., & Ratna, D. R. (2024). Empirical Investigation of Islamic Financing Institutions in Middle Eastern Banking. SSRN.

[View Article]       [Google Scholar]

  1. Mariappan, R. (2024). A Comparative Analysis of Profit Performance of Banking Sector in India: a Three Stage Approach. Journal of South Asian Research, 2, 103–121.

[View PDF]          [Google Scholar]

  1. Popker, S. M. (2018). Financial Performance of Public and Private Sector Banks in India. Splint International Journal of Professionals, 5, 70–78.

[View Article] [Google Scholar]

  1. Rajasekar, J., & Murthy, Y. S. R. (2020). Strategic choice and operational performance: a comparative study of commercial banks in Oman. Opción: Revista de Ciencias Humanas y Sociales, 91, 1626-1645.

[View Article]       [Google Scholar]

  1. Ramachann, N., Al-Muqaimi, S. K., & Al-Hajri, N. R. (2022). Characteristics Of Audit Committee And Banking Sectorperformance In Oman. Journal of Corporate Governance, Insurance, and Risk Management, 9, 263–273.

[View Article]       [Google Scholar]

  1. Reddy, M. S., & Rajendhiran, N. (2020). A comparative study on financial performance of selected public (Indian bank) and private (HDFC bank) sector banks in India. International Journal of Advanced Science and Technology, 29, 2230–2240.

[View Article]

  1. Praveena, S., Mahendran, K., & Samsai, T. (2015). An analysis of financial performance of sugar industry in India. International Journal of Business and General Management (IJBGM), 4, 11-20.

[View PDF]          [Google Scholar]

  1. Sharifi, A. (2019). A Study on Financial Performance of Public Sector Banks in Afghanistan Using Camel Model. International Journal of Advanced Research, 7, 441–452.

[View Article]

  1. Venugopal, S. K. (2024). Loan Portfolio Management and Bank Efficiency: A Comparative Analysis of Public, Old Private, and New Private Sector Banks in India. Economies, 12, 81.

[View Article]       [Google Scholar]

Cite This Article

M. A. Hussain and N. Pareek, “Analysing Bank Performance: A Comparative Study of Banks in Oman and India,” Commercia 1(1) (2025) 251004. https://doi.org/10.5281/zenodo.15108457

Rights & Permission

This is an open access article published under the Creative Commons Attribution (CC BY) International License, which allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. No permission is needed to reuse this content under the terms of the license.

For uses not covered above, please contact the Scholarly Publication Rights Department.