Performance Of Indian Commercial Banks 1995 2002
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| 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 | : 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 | : Manoranjan Sharma |
| Publisher | : Atlantic Publishers & Dist |
| Total Pages | : 484 |
| Release | : 2008 |
| Genre | : Banks and banking |
| ISBN | : 9788126909988 |
| 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 | : Ms.Petya Koeva Brooks |
| Publisher | : International Monetary Fund |
| Total Pages | : 34 |
| Release | : 2003-07-01 |
| Genre | : Business & Economics |
| ISBN | : 1451856989 |
This paper provides new empirical evidence on the impact of financial liberalization on the performance of Indian commercial banks. The analysis focuses on examining the behavior and determinants of bank intermediation costs and profitability during the liberalization period. The empirical results suggest that ownership type has a significant effect on some performance indicators and that the observed increase in competition during financial liberalization has been associated with lower intermediation costs and profitability of the Indian banks.
| Author | : Dr Aloysius O.C |
| Publisher | : Archers & Elevators Publishing House |
| Total Pages | : |
| Release | : |
| Genre | : Antiques & Collectibles |
| ISBN | : 938880516X |
| 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 | : G. P. Kapoor |
| Publisher | : APH Publishing |
| Total Pages | : 312 |
| Release | : 2004 |
| Genre | : Banks and banking |
| ISBN | : 9788176485364 |
| Author | : Krishan Kumar |
| Publisher | : |
| Total Pages | : |
| Release | : 2018 |
| Genre | : |
| ISBN | : |
The Indian banking industry is currently facing challenges to implement the capital regulations specified under Basel III norms. In implementing the new capital regulations, the financial stability of banks plays an important role. The banks which are in a sound financial position can easily implement the new regulations, but it is difficult for the financially weaker banks to determine the required capital as per the international norms. Thus, financial analysis has become the need of the hour for the banking sector to identify the financial position. In this context, evaluating the financial health of Indian bank has become compulsory to compete with the environmental changes. In this context, it is quite important to study the solvency position of Indian banks. The present study intends to analyze the financial health of selected Indian commercial banks through the application of Altman Z-score model. It is found that the financial health of the selected banks under study is strong and satisfactory.
| Author | : Ray, Partha |
| Publisher | : SAGE Publishing India |
| Total Pages | : 200 |
| Release | : 2021-05-01 |
| Genre | : Business & Economics |
| ISBN | : 935479310X |
India Banking and Finance Report 2021 presents a lucid yet rigorous discussion on the key facets of the Banking and Financial sector in India. Written primarily by the faculty of National Institute of Bank Management (NIBM), Pune, the report covers a wide spectrum of issues ranging from contemporary macro-financial perspectives against the backdrop of the ongoing pandemic to leadership concerns in Indian banks. The list of subjects included is topical, comprising corporate governance challenges, mergers and acquisitions, problems and prospects of the Bad Bank, latest risk management concepts and frontiers, sectoral studies, digital transformation and leadership paradigms. The report seeks to highlight the emerging challenges and opportunities in the banking and financial sector, glean important lessons from the past, and in some cases speculate on the way forward. It emphasizes on a blend of internal strategies, regulatory reforms and public policy initiatives. The report will stimulate enlightened dialogues on the theoretical, empirical and practical aspects of bank management in India.
