Productivity Change Of Indian Commercial Banks
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| Author | : Santosh K. Behera |
| Publisher | : |
| Total Pages | : 7 |
| Release | : 2019 |
| Genre | : |
| ISBN | : |
With the growth of Indian economy, the volume of transactions of commercial banks has grown manifold. The study attempts to investigate the total factor productivity change of four leading Indian commercial banks using non-parametric data envelopment analysis (DEA) and distance function based Malmquist Productivity Index (MPI) over FY2007 to FY2016. The operating approach (or income-based approach) is adopted for input-output selection, viewing the banks as decision-making units (DMU) transforming a bundle of inputs (costs) to produce a set of outputs (revenues). A DMU is considered efficient which maximizes the revenues without increasing the costs. The results indicate that the annual TFP growth registered by these four banks is 3.3%. While two banks recorded productivity growth, the productivity of two other banks declined during the period. Highest productivity growth was recorded during FY2015 and FY2016. TFP growth is further decomposed to Efficiency change (EFFCH) and Technical change (TECHCH) components to study the catchup by less efficient DMUs.
| Author | : Sunil Kumar |
| Publisher | : Springer Science & Business Media |
| Total Pages | : 340 |
| Release | : 2013-10-23 |
| Genre | : Business & Economics |
| ISBN | : 8132215451 |
The goal of this book is to assess the efficacy of India’s financial deregulation programme by analyzing the developments in cost efficiency and total factor productivity growth across different ownership types and size classes in the banking sector over the post-deregulation years. The work also gauges the impact of inclusion or exclusion of a proxy for non-traditional activities on the cost efficiency estimates for Indian banks, and ranking of distinct ownership groups. It also investigates the hitherto neglected aspect of the nature of returns-to-scale in the Indian banking industry. In addition, the work explores the key bank-specific factors that explain the inter-bank variations in efficiency and productivity growth. Overall, the empirical results of this work allow us to ascertain whether the gradualist approach to reforming the banking system in a developing economy like India has yielded the most significant policy goal of achieving efficiency and productivity gains. The authors believe that the findings of this book could give useful policy directions and suggestions to other developing economies that have embarked on a deregulation path or are contemplating doing so.
| Author | : Ali Ataullah |
| Publisher | : |
| Total Pages | : |
| Release | : 2004 |
| Genre | : |
| ISBN | : |
In the early 1990s, India and Pakistan introduced a series of financial liberalisation initiatives aimed at increasing the productivity of their financial services sector. Against a background of unprecedented change, which these initiatives heralded, the paper applies a DEA-type Malmquist total factor productivity change index to examine productivity growth, efficiency change, and technical progress in the commercial banking industries of India and Pakistan during 1992-1998. Following Leightner and Lovell's (1998), a Malmquist index is constructed for two different bank service specifications. The first is derived from the corporate objectives of the commercial banks, and the second from the policy objectives of the Indian and Pakistan governments. The analysis reveals that in both countries, the improvement in total factor productivity was highest when the government's policy objective was used. In addition, the public sector banks showed very little improvement in total factor productivity due to their inability to adopt new technology and because of the presence of high non-performing loans. In contrast, foreign banks witnessed the highest improvement in total factor productivity due to an improvement in their efficiency and technological innovation.
| Author | : Don U. A. Galagedera |
| Publisher | : |
| Total Pages | : 31 |
| Release | : 2006 |
| Genre | : |
| ISBN | : |
This paper investigates efficiency using data envelopment analysis (DEA) and productivity growth using Malmquist index in a sample of Indian commercial banks over the period 1995-2002. Using total deposits and operating expenses as input and loans and other earning assets as output in the DEA analysis we observe no significant growth in productivity during the sampled period. The rate of increase in technical efficiency though small is likely to be due to scale efficiency compared to managerial efficiency. In general, smaller banks are less efficient and highly DEA-efficient banks have a high equity to assets and high return to average equity ratios. There has been no growth in productivity in private sector banks where as the public sector banks appears to demonstrate a modest positive change through 1995-2002. Technological change in the public sector banks reveals a growth while the private sector banks experienced a negative growth of almost the same magnitude.
| Author | : H. P. Mahesh |
| Publisher | : |
| Total Pages | : 31 |
| Release | : 2006 |
| Genre | : Banks and banking |
| ISBN | : |
| Author | : Pallavi Pandey |
| Publisher | : |
| Total Pages | : |
| Release | : 2015 |
| Genre | : |
| ISBN | : |
This paper makes an attempt to find out bank productivity in India during the period 2008 to 2013, that is, the period of Internet technology wave. Data Envelopment Analysis (DEA) technique is used to calculate and decompose the Malmquist index of Total Factor Productivity (TFP) growth into technical change and change in scale efficiency. The study found that the whole banking system in India during the period 2008-2013 had a positive growth which was mainly due to the 'catching-up effect' and the frontier effect. The mean technical efficiency of the in-sample foreign and private banks is somewhat higher than the in-sample public sector banks. Further, public sector banks exhibited decreasing returns to scale, while foreign banks and a majority of private banks exhibited increasing returns or were fully efficient. Finally, the study found that the TFP does not always keep increasing as the technology improved. This suggests that bankers and officials should pay more attention to the strategies taken to assimilate the effect of Internet on the banking sector in order to further improve and sustain their performance in the long run.
| Author | : Debaprosanna Nandy |
| Publisher | : Universal-Publishers |
| Total Pages | : |
| Release | : 2010-07-29 |
| Genre | : |
| ISBN | : 1599423510 |
The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.
| Author | : Monika Aggarwal |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2007 |
| Genre | : Business & Economics |
| ISBN | : 9788121209533 |
The present work is done with the target to study the trends of bank productivity, the effect of liberalization on productivity of commercial banks, relationship among various factors of periodicity such as: number of employees, total business, return on investment and other factors and to examine the relative productivity of scheduled commercial banks. The data was collected for the period 1980 to 2001. For the purposes of analysis of date, a number of statistical techniques have been used in this study. About The Author: - Dr. Monika Aggarwal, is presently working as Senior Lecturer in Commerce, Hans Raj Mahila Mahavidyalaya, Jalandhar, Punjab, India. She is M. Com. (1998), Ph.D. (2003) from Guru Nank Dev University, Amritsar. She has got 7 years of teaching and 1 years of industrial experience. Apart form teaching she has keen interest in research. She got 11 Research papers published in various referred national and international Journals and Edited Books and has presented papers in 10 in national seminars/conferences and 2 in international seminars/conferences. She has undertaken a minor research project (UGC sponsored Rs. 80,000) on Relative Productivity of Commercial Banks in India and is also acting as Associate Editor of Commerce Spectrum, a Journal of Commerce and Business Studies. Seven M. Phil. dissertations has been successfully completed under her guidance. She is member of British Accounting Association (2007-2008), and life member of Research Development Association, Jaipur, Indian Commerce Association, New Delhi. Contents: - Acknowledgments List of Tables List of Graphs Introduction Review of Literature Data Base and Methodology Productivity Trends of Commercial Banks Liberalizatin Effect on Productivity of Commercial Banks in India Factors Affecting Productivity of Commercial Banks Relative Productivity of Scheduled Commercial Banks Summary, Findings and Recommendations Bibliography Index. The Title 'Productivity of Commer
| Author | : Jyoti Suri |
| Publisher | : |
| Total Pages | : 441 |
| Release | : 2011 |
| Genre | : Banks and banking |
| ISBN | : 9788184840995 |
| Author | : Patil-Dake Jayashree |
| Publisher | : LAP Lambert Academic Publishing |
| Total Pages | : 260 |
| Release | : 2015-07-23 |
| Genre | : |
| ISBN | : 9783659745225 |
This is one of its kind of book on the banking performance in the light of FDI policy in India. The operational definition is used for FDI and Non-FDI banks based on significant level of FDI in banks under study. The FDI definition includes FDI and FII both as FDI to show the impact of Foreign Investment as an impact of FDI Policy. The specific areas of banking performance where FDI has impacted such as Productivity and Profitability are focused after analysis. The Productivity performance is measured with help of Profit per Employee and Business per Employee. And Profitability performance is measured with the help of Net Profits, ROA, Total Business and Total Investments. This book is one of the important books in the field of evaluation of performance of banks. Total 49 Indian scheduled commercial banks with 12 years data are analyzed with the help of Panel Data Multiple Regression with help of 'R'. This book will be highly useful for the students of MA, MBA, M.Com, C.A., I.C.W.A., Bank Professionals, Government Officials, Reserve Bank of India's Officers, Policy Makers, Analysts, Academicians and Researchers in the fields of Economics, Commerce, Banking and Management.
