isrdo-SRJBMAisrdo-SRJBMAisrdo-SRJBMAScientific Research Journal of Business, Management and AccountingSRJBMA2584-0592ISRDOGujarat,IndiaM-10043BusinessThe analysis focuses on the earnings of state-owned commercial banks in India concerning high-risk investments.Santosh Nair1Gauhati University, Guwahati ,IndiaIndia190620231V1-I2-20232905202316061606©2023 Santosh Nair Year Corresponding Author2023Santosh NairThis is an open access article distributed under the terms of the, which permits unrestricted use, distribution, reproduction and adaptation in any medium and for any purpose provided that it is properly attributed. For attribution, the original author(s), title, publication source (ISRDO) and either DOI or URL of the article must be cited.Creative Commons Attribution License

The current research looks at how asset risk affects the bottom lines of government-owned banks. The results reveal that asset risk significantly impacts commercial bankers' bottom lines. Net profits for commercial banks tend to decrease when asset risk is included. Twelve commercial banks are in the public sector, but only five have been chosen for their convenient locations. The years 2005-2006 through 2018-2019 are included in the analysis.

Public sector banks Liquidity concerns Risk management Regulatory framework Accounting practices Technological developments Solvency Net profitsThe authors did not receive any specific grants from funding agencies in the public, commercial, or non-profit sectors for the research, authorship, and/or publication of this article.Data Availability

Not applicable

Conflicts of Interest

All authors declare that they have no conflicts of interest.

Authors’ Contributions

The author confirms sole responsibility for the following: study conception and design, data collection, analysis and interpretation of results, and manuscript preparation.

Funding Statement

The authors did not receive any specific grants from funding agencies in the public, commercial, or non-profit sectors for the research, authorship, and/or publication of this article.

software-information

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Acknowledgments

I thank the following individuals for their expertise and assistance in all aspects of our study and for their help in writing the manuscript. I am also grateful for the insightful comments given by anonymous peer reviewers. Everyone's generosity and expertise have improved this study in myriad ways and saved me from many errors.

Al-Homaidi EA, Ahmad A, Khaled ASD, Qaid MM. External factors and banks’ performance: An empirical examination of commercial banks listed on Bombay Stock Exchange (BSE). 2019;6(6):4.