Download or read book A Comparative Study on Efficiency of Selected Public Sector Banks in India written by Kwadwo Boateng and published by . This book was released on 2019 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: The study was conducted to compare the efficiency levels of selected 12 public sector banks (PSBs) in India. Public sector banks are banks with more than 50% shares owned by the government. Data for seven years was compiled from the annual reports of these banks for computation of the efficiency ratios for the analysis. The ratios were grouped into management and employee efficiencies. The management efficiency ratios included net interest margin, non-interest income margin, and operating profit to total assets. The employee efficiency ratios on the other hand includes profit per employee, business per employee, wages to total expenses, and wages to total income.The results from the ANOVA analysis of the management efficiency measures indicated that all the 12 selected PSBs banks have unequal efficiency levels. The results from the ANOVA analysis of the employee efficiency measures also indicated that all banks have unequal level of employee efficiency with the exception of wages to income ratio, which was equal among the banks. It was therefore recommended, that public sector banks in India must improve upon both management and employee efficiencies of their respective banks in order to increase productivity and for that matter profitability.

Download or read book A Comparative Study on Measuring Relative Performance of Indian Banks written by Dr. Jayanta Kumar Nandi and published by GRIN Verlag. This book was released on 2020-11-05 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2009 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 9.8, University of Burdwan, language: English, abstract: The present study seeks to examine the trends in the financial performances of 15 banking companies, major players in the Indian money market, during the period 1996-97 to 2006-07. In this study 8 major public sector banks and 7 private sector banks in India have been selected. The performances of public sector banks have become more market driven with growing emphasis placed on profitability. Though there is a phenomenal development in both public and private sector banks in India after reforms yet the private sector is still lagging behind comparatively in this study. With the nationalization of the most of the major commercial banks in 1969, restrictions on entry and expansion of private and foreign banks were gradually increased. The Reserve Bank of India (RBI) also began enforcing uniform interest rates, spreads and service changes among nationalized banks. The success of our giant five year plan is dependent, among other things on the smooth and satisfactory performance of the role by banking industry of our country. Banks thus pay special attention in financing business of innovation for providing cheap and adequate credit. And this is done by different private and public sector banks in money market in our country. Since 1992-93, the structure of the Indian banking system has undergone significant changes in terms of scope, opportunities and operational buoyancy. The commercial banks have been facing and increasing degree of competition in the intermediation process from term lending institutions, non-banking intermediaries, chit funds and the capital market. Besides, new banking services like ATM and internet banking have been emerged due to the advancement of computers and information technology.

Download or read book A Case of Comparative Study of Loan Performance in Selected Indian Private Banks written by P. Vohra and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The banking sector is the wheel of any economy. This sector is the most dominant sector of the financial system in India, with good valuations and increasing profits. After liberalization in 1991, the banking industry underwent major changes. Private Banks came into force, and now, they are playing a major role in the development of the Indian banking industry. In the process, they have jolted the public sector banks out of complacency and have forced them to become more competitive.The objective of present paper is to analyze the major component of the lending policy of the Indian private sector banks. This attempt also sheds light on a comparative study of financial performance between few selected private banks through their different lending options. In this attempt, the authors have just tried to emphasize the role of loan performance as a key agent in the profitability of private banks during the years 2002-2007.

Download or read book A Comparative Study of the Performance of Selected Indian Private and Public Sector Banks written by Shobhna Gupta and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies the comparative performance of selected banks in India from 2008 to 2012, on the basis of certain criteria. Nowadays banks are performing a number of functions in addition to their two main functions, i.e., lending and accepting deposits. Public and private sector banks are competing with each other in bringing out new products and services. This paper analyzes the growth, performance and services provided by both public and private sector banks in terms of loans, cash credits, advances outside India, NPAs, net profits, etc.

Download or read book Financial Performance of Commercial Banks in India A Comparative Study of Selected Banks written by Chandan and published by . This book was released on 2022-09-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction 1. Context Building: One of the crucial macroeconomic areas, which has been at the center of the focus in India nearly for the past three decades, is the soundness and efficiency of the Indian banking system. It is now well recognized the world over that a well-functioning banking sector is a pivotal hinge on which hinges the stability of the financial system. The stability of the financial system defines the growth prospects of the economy and the pace of growth that could be realized. A greater realization of this fact in the post-1990 economic scenario has been keeping the Indian banking system at the center of the focus of the policy planners and Government. With the passage of time, the focus on the banking system is getting accentuated by two major factors- the growing universalization of banking operations and increasing internationalization of banking operations.

Download or read book A Comparative Study on Financial Performance of Public Sector Banks in India written by Hari Karri and published by . This book was released on 2015 with total page 17 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. We have chosen the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

Download or read book A comparative study on quality of work life job satisfaction and performance of employees of selected public and private sector banks in Gujarat written by Ashok D. Gaur and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Comparative Study of the Financial Performances of Selected Public and Private Sector Banks written by Santhoshi Kumari and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector plays a critical role in the financial health of a nation. The banking system of India features a large network of bank branches, offering many kinds of financial services to the people. This paper evaluates and compares the financial performances of State Bank of India (SBI), Bank of Baroda (BOB), ICICI Bank and Axis Bank by comparing various ratios. The research is descriptive and analytical in nature. The data used for the study was entirely secondary in nature and was taken from the financial reports of the respective banks for the period 2008-09 to 2013-14. The study found that SBI and BOB are performing better than ICICI Bank and Axis Bank, but when it comes to expenditure, private banks are spending more than public sector banks. Based on the findings, the study reveals that bank customers have more trust in public sector banks compared to private sector banks.

Download or read book A Comparative Study of Corporate Governance Practices of Selected Public and Private Sector Commercial Banks in India written by Dr S. Gayathri and published by . This book was released on 2017 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: Corporate governance has become a common topic about which every company speaks a lot and interest in corporate Governance is growing at an exponential rate. Now a day's most management schools teach it as a subject. At the same time it is imperative to analyze whether corporate governance has really become a vital component of a successful business.Banking sector faces unique corporate governance challenges due to myriad reasons like bank ownership structures lack transparency, there are insufficient checks and balances on inappropriate activities, influences of insiders or controlling shareholders. Despite the 'corporate governance revolution', there exist no universal benchmark for the effective level of disclosure and transparency. Here lies the need to study the corporate governance practices of Indian banks, differentiation in functioning, change in attitude in implementing corporate governance and the problems and difficulties faced by them in adopting the corporate governance procedures. This paper is based on empirical research conducted on corporate governance in the Indian banking sector. A comparative analysis of the disclosure practices of ten banks have been made for a period of five years and the findings are presented.

Download or read book Financial Efficiency of Commercial Banks written by P. Vohra and published by . This book was released on 2015 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banks are the main participants of the Indian financial system, because they play a vital role in the economy of a country. India is one of the most preferred banking destinations as its economy is not only growing at 8 percent annually, but it is also going through a transformation to the next level of maturity. After liberalization the banking sector underwent major changes and it has been totally changed after economic reforms. Always Indian banking industries were dominated by public sector banks because they play an important role in development of Indian economy. But now the situations have been changed after arrival of new generation banks that are known for technical and financial innovation and their professional management has gained a reasonable position in the banking sector. The main idea of this research article is to make an assessment of the financial performance of Indian Public sector banks & Private sector banks. This paper provides empirical evidence about the impact of financial liberalization and global recession on the performance of Indian commercial banks. The present study compares the performance of public sector banks with private banks under various accounting and statistical framework. The data used for the study were the audited financial results of a sample of 3 public banks and 3 private banks over the last three financial years.

Download or read book An Analysis of Financial Performance of Selected Public Sector Banks in India written by Nidhi Nalwaya and published by . This book was released on 2018 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt: A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities. Banks are a fundamental component of the financial system, and are also active players in financial markets. The banking sector is the most dominant sector of the financial system in India, and with good valuations and increasing profits, the sector has been among the top performance in the markets. The recent tech-savvy practices and processes adopted have propelled public sector banks out of complacency and given them a competitive edge. PSB`s such as PNB and Bank of Baroda are posting rapid increase in their asset base every year as compared to other public sector banks. The objective of present paper is to analyze the financial performance of the public sector banks on Return on Net Worth, Net Operating Profit per Share, Debt Equity Ratio, and Capital Adequacy Ratio. For this study six Public Sector Banks have been selected. The Indian banking system faces several difficult challenges. The selected public sector banks have performed well on the sources of growth rate and financial efficiency during the study period.

Download or read book A Comparative Analysis of the Operating Efficiency of Indian Scheduled Commercial Banks written by Yashpal Singh and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The objective of this paper is to analyze the operating efficiency of Indian scheduled commercial banks, using the data released by the Reserve Bank of India. For analyzing the performance of banks, various statistical methods such as average, standard deviation, standard error, lower bound and upper bound were used. In addition, ANOVA test was applied at 95% level of confidence for testing significant difference amongst the cost of fund, return on fund and operational efficiency through SPSS software. The study reveals that cost of fund of all the scheduled commercial banks was significantly different. Since the cost structure is different for the same work, it implies that the operational efficiency caused the difference and the foreign banks emerged as the most efficient financial institutions, followed by private and public sector banks. However, it was also observed that the difference was not significant in the case of return on advance, return on investment and return on fund. Moreover, foreign banks were found to be most efficient, followed by private sector and public sector banks.

Download or read book Financial Liberalisation and Bank Efficiency written by Ali Ataullah and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides a comparative analysis of the evolution of the technical efficiency of commercial banks in India and Pakistan during 1988-1998, a period characterised by far-reaching changes in the banking industry brought about by financial liberalisation. Data Envelopment Analysis is applied to two alternative input-output specifications to measure technical efficiency, and to decompose technical efficiency into its two components, pure technical efficiency and scale efficiency. We also check the consistency of our estimated efficiency scores by examining their relationship with three traditional non-frontier measures of bank performance. In addition, we examine the relationship between bank size and technical efficiency. We find that the overall technical efficiency of the banking industry of both countries improved gradually over the years, especially after 1995. Unlike public sector banks in India, public sector banks in Pakistan witnessed improvement in scale efficiency only. We also find that banks are relatively more efficient in generating earning assets than in generating income. We attribute this to the presence of high non-performing loans. In addition, we find that gap between the pure technical efficiency of different size groups has declined over the years.

Download or read book A Comparative Evaluation of Efficiency in the Indian Banking Industry Using Data Envelopment Analysis written by Kamini Tandon and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Analysis of Financial Performance of Selected Commercial Banks in India written by Srinivasan Palamalai and published by . This book was released on 2017 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study attempts to evaluate the financial performance of selected Indian commercial banks for the period from 2012/13 to 2016/17. The study comprises 16 commercial banks, 11 representing public sector and 5 from private sector, and the financial performance of these banks are analysed using the financial ratios. The study shows that the financial performance of private sector banks is relatively better than the public sector banks throughout the study period. Besides, the study examines the impact of liquidity, solvency and efficiency on the profitability of the selected Indian commercial banks by employing the panel data estimations, viz. the Fixed Effect and Random Effect models. The empirical results from the panel data estimations revealed that the liquidity ratio and solvency ratio, and the turnover ratio and solvency ratio are found to have positive and significant impact on the profitability of selected public sector and private sector banks, respectively, bearing testimony to the fact that profitability is a function of those ratios.

Download or read book Bank Efficiency in India written by Montesh Patel and published by . This book was released on 2009 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Comparative Study of Performance Appraisal System of Public and Private Sector Banks in India written by R K Tailor and published by . This book was released on 2021 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Performance appraisal system is an important tool of evaluating physical and mental health of each employee. It informs to the management that the employee is engaged in their assigned task or facing any problem during their office hours. There are many tools and techniques of assessing the performance of the employees at workplace but, selection of proper method is also a big problem of them. The proper evaluation system may inform the management about the factors affecting performance of the employees. In this paper, analyses and compares the performance appraisal system of the employees working in the private and public sector banks in India.