| Summary: | 碩士 === 國立成功大學 === 會計學系 === 107 === This study examines the relationship between capital adequacy ratio, profitability and credit risk in Taiwanese banking by using a sample of 18 state-owned and private banks during 2001-2017. The results show that the capital adequacy is associated with Taiwanese banks’ performance. This study further investigates the relationship between capital adequacy and performance before, during, and after the 2008 financial crisis. The results show that state-owned banks with higher capital adequacy is more profitable and with lower credit risk before the crisis. However, during and after the crisis, the relationship between capital adequacy and profitability is negative while the relationship between capital adequacy and credit risk is positive after the crisis. In sum, well-capitalized state-owned banks have relatively lower credit risk while well-capitalized private banks is less profitable.
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