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Information × Registration Number 2119U001720, Article popup.category Стаття Title popup.author popup.publication 01-01-2019 popup.source_user Сумський державний університет popup.source http://essuir.sumdu.edu.ua/handle/123456789/73868 popup.publisher Sumy State University Description This study assessed the link between industry concentration and asset quality as key determinate of financial performance through the use of the panel regression model. The sample for the study com-prised 24 universal banks for the 2009 to 2018. It was found that, the financial performance of the indigenous banks was influenced by asset quality and moderating variables like capital adequacy, liquidity and bank size while the level of industry concentration does not influence the financial per-formance of the indigenous universal banks. The results also indicated that, the financial performance of the foreign banks is not influenced by asset quality but rather operational efficiency, liquidity, bank size and industry concentration. It is recommended that, since poor asset quality through non-performing loans adversely affect the financial performance of both indigenous and foreign banks, banks should increase their size through investment in technology to diversify the effect of asset qual-ity on financial performance. popup.nrat_date 2025-03-24 Close