Abstract
As a bank’s risk profile continually evolves, it leads to losses and a bank’s capital base and profitability drive the banking sector’s capacity to absorb risks. The proper functioning of this system depends on the proper use of resources collected and this requires accurate assessment of hazards and risks, and recognition methods to deal with the risks that lie ahead. Due to this issue, this study focuses on factors affecting the efficiency of risk management in the Pakistani banking industry. For empirical findings, Panel regression analysis has been employed taking a stratum of time series data and cross-sectional variants of macro and bank-specific factors for the period covering 2009 to 2013. Empirical results show a positive relationship between the liquidity, profitability, operating efficiency, merger and economic growth with capital adequacy ratio while the asset portfolio risk and inflation rates have the opposite effect
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