Technical Pure Technical And Scale Efficiency Of New And Old Private Sector Banks In India Data Envelopment Analysis
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| Author | : Murugesan Selvam |
| Publisher | : |
| Total Pages | : 22 |
| Release | : 2013 |
| Genre | : |
| ISBN | : |
This study proposes to examine the technical efficiency of New and Old Private Sector Banks in India in recent years. Many firms in the service industry face the problem of dissimilar results in terms of efficiency. In particular, the last decade has witnessed continuous changes in regulation, technology and competition in the global financial services industry, and Indian Banks are no exception to this change. The efficient operation of banks has become an important issue in India. Rising cost-income ratio and declining profitability reflect the enhanced competitive pressure. An efficient banking system contributes, in an extensive way, to higher economic growth in any country. Hence studies of banking efficiency are important for policy makers, industry leaders and many others. The Data Envelopment Analysis (DEA) Approach has been used to measure the relative technical efficiency. The Efficiency Scores of the banks are also decomposed into Pure Technical Efficiency (PTE) and Scale Efficiency (SE). It has been noticed that the observed technical inefficiency in the Indian private sector banks is due to poor input utilization (i.e., managerial inefficiency) and failure to operate at most productive scale size (i.e., scale inefficiency).
| Author | : A Amarender A. Reddy |
| Publisher | : |
| Total Pages | : 16 |
| Release | : 2005 |
| Genre | : |
| ISBN | : |
The paper examined the competitiveness of Indian scheduled commercial banks in the deregulated period 1996-2002. The data used for the study has been collected from annual reports of Reserve Bank of India. Efficiency change, scale efficiency and pure technical efficiency change between two periods has been estimated by using data envelopment analysis and window analysis. Bank profitability increased and interest margins decreased in the deregulation period. The results indicate that there is an increase in technical efficiency and scale efficiency of most of the banks. The year-to-year variation in technical efficiency explained by variation in scale efficiency and general economic environment rather than variation in pure technical efficiency. Increasing asset quality and priority sector lending can improve scale efficiency. Most of the banks facing decreasing return to scale especially public sector banks due to wide spread bank branches with little interconnectivity. The foreign banks and new private banks exhibited most productive scale size, as they are new entrances into banking industry with well-interconnected bank branches than old private banks and public sector banks. Tobit analysis reveals that both pure technical efficiency and scale efficiency influenced negatively by number of branches per bank, whereas positively influenced by total assets. Share of priority sector advances and asset quality was having positive influence on scale efficiency.
| 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 | : Kamini Tandon |
| Publisher | : |
| Total Pages | : |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
A well-developed and efficient banking sector is the fundamental requirement for the smooth functioning of any economy. The present study is an attempt to examine the technical, pure technical and scale efficiencies of the Indian banks across different ownership categories for the period 2010-12. Seven out of the selected 44 banks lie on the efficiency frontier and form the reference set for their peers. Further, it is observed that efficiency scores do not vary much across public sector, private sector and foreign banks. The performance of public sector and private sector banks is almost at par with respect to technical efficiency, whereas in the case of foreign banks, there is scope for improving scale efficiency.
| Author | : Atanu Sengupta |
| Publisher | : Springer Nature |
| Total Pages | : 243 |
| Release | : 2020-04-21 |
| Genre | : Business & Economics |
| ISBN | : 9811544352 |
This book assesses the performance of banks in India over the past several decades, and discusses their current status after fifty years of nationalization. The performance of different categories of banks is evaluated by employing both the traditional ratio analysis and more sophisticated efficiency techniques. The book also explores the market conditions under which Indian banks operate. Going beyond a formal banking study, the book also investigates the causes of the widespread presence of informal credit in parallel to its formal banking counterpart. This approach makes it more comprehensive, unique and closer to the real world. After 50 years of nationalization, India’s banking sector is at a crossroads, given the huge and unabated non-performing assets and talks of consolidation. This book, encompassing both the formal and the predominantly ‘trust-based’ informal credit system, provides essential insights for bankers and policymakers, which will be invaluable in their endeavours to implement meaningful changes. It may also spark new research in the fields of banking performance and efficiency analysis. Lastly, the book not only has significant implications for students of economics, banking, finance and management, but also offers an important resource to support training courses for banking personnel in India.
| Author | : Allam Hamdan |
| Publisher | : Springer Nature |
| Total Pages | : 1145 |
| Release | : 2023-10-03 |
| Genre | : Technology & Engineering |
| ISBN | : 3031358287 |
This book explores how AI is transforming digital marketing and what it means for businesses of all sizes and looks at how AI is being used to personalize content, improve targeting, and optimize campaigns. This book also examines some of the ethical considerations that come with using AI in marketing.
| Author | : |
| Publisher | : |
| Total Pages | : 1750 |
| Release | : 2005 |
| Genre | : Finance |
| ISBN | : |
| Author | : Subramanyam T |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2023 |
| Genre | : |
| ISBN | : |
This study proposes a three stage data envelopment analysis model to assess the efficiency of Indian commercial banks. 65 commercial banks comprising public, private and foreign sector banks were evaluated. This study proposed a new methodology to evaluate the efficiency of banks. The performance indicator variable NPA has been used to identify the environment of a bank. The overall technical efficiency is decomposed to scale, environmental risk and pure technical efficiency. The empirical results reveal that public sector banks hurt more from environmental risk inefficiency.
| Author | : Biresh K. Sahoo |
| Publisher | : |
| Total Pages | : 36 |
| Release | : 2007 |
| Genre | : |
| ISBN | : |
This paper attempts to examine, using data envelopment analysis, the productivity performance trends of the Indian commercial banks for the period: 1997-98 - 2004-05. Our broad empirical findings are indicative in many ways. First, the increasing average annual trends in technical efficiency for all ownership groups indicate an affirmative gesture about the effect of the reform process on the performance of the Indian banking sector. Second, the higher cost efficiency accrual of private banks over nationalized banks indicate that nationalized banks, though old, do not reflect their learning experience in their cost minimizing behavior due to X-inefficiency factors arising from government ownership. This finding also highlights the possible stronger disciplining role played by the capital market indicating a strong link between market for corporate control and efficiency of private enterprise assumed by property right hypothesis. And, finally, concerning the scale elasticity behavior, the technology and market-based results differ significantly supporting the empirical distinction between returns to scale and economies of scale, often used interchangeably in the literature.
| 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.
