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 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 Evaluating the Financial Performance of Select Indian Banks Using Eagles Model written by Santhoshi Kumari and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector plays an important role in the economic development of a country. In India, Eagles model is capable of measuring and comparing banks' performance in a more determinate, objective and consistent manner. There is no subjectivity involved in Eagles model, and the banks are judged purely on the output ratios and ranked based on these parameters. The present study uses 10 years' data of selected 10 public and private sector banks. The results reveal that Yes Bank is in top position in terms of Return on Assets (ROA), gross NPA, and Provision Coverage Ratio (PCR). This indicates that Yes Bank has more earning capacity as compared to the remaining selected banks. Kotak Mahindra Bank is also performing efficiently in terms of investment-to-deposit and Capital Adequacy Ratio (CAR), which indicates that private sector banks are performing well as compared to public sector banks. Among public sector banks, State Bank of India is performing efficiently in loans and deposits component. The study proves that there is a significant difference in the performance of selected public and private sector banks.

Download or read book Financial Performance of Selected Public and Private Sector Banks Based on CAMEL Model with Reference to Indian Banking Sector written by Ajaykumar Kankipati and published by . This book was released on 2017 with total page 9 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Banking sector is the backbone of the Indian economy and it helps to the growth and development of the country. This paper analysis at the financial soundness of selective public sector banks under globally accepted CAMEL framework. This paper observes the behavior of various parameters of CAMEL approach model and their ability over the study period. The financial analysis finds the overall soundness of selective public sector banks with certain five parameters present study analyzes the performance of two private sector and two public sector banks for the period 2012-2016 using CAMEL model. The research aims to evaluate Capital adequacy, Asset quality, Management, Earnings and Liquidity parameters for the sake of understanding of soundness of banks. The application of CAMEL approach to both private and public sector bank for the period 2012 to 2016 allows us to out the performance of banks. We use debt equity ratio for the analyze of capital adequacy parameter, loan loss provisions to total loans for the analyze of assets quality parameter, return on equity for analyzing management quality side, return on assets to analyze earnings parameter and deposits on total assets ratios to analyze liquidity capability.

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 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 Public Sector Banks in India written by R. K. Raul and published by Gyan Publishing House. This book was released on 2005 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present book examines the impact of Financial Reforms on the working of banking sector in general and Public Sector Banks in particular. In addition to assess multi-dimensional trend of banking sector, it examines the impact of Deregulation Policies on the Management of bank s resources. The book identifies many critical issues like determinants of Non-performing Assets, Profitability productivity of banks, mismatch of assets and liabilities and services rendered by banks particularly in the backward regions. The treatise embodies in it inter-intra banks and inter-intra regional, districts level variations. To encounter the objectives, appropriate hypothesis have been framed, statistical and financial techniques have been used to testify, the nature and problems of Public Sector vis-à-vis Private Sector and foreign banks. This book runs into ten chapters encompassing into different aspects of bank s performances with critical assessment in the context of reform package. The book will meet the growing interest of students, researchers, scholars, policymakers and general readers. It may be used as textbook for B.Com, B.B.A., M.B.A.; M.F.M. and M.A. (Eco.), M.Sc. (Eco.) courses.

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 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 Financial Performance of Public Sector Banks in India An Evaluation written by Janet Jyothi Dsouza and published by . This book was released on 2019 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today, we are having a fairly well developed banking system with different classes of banks - public sector banks, foreign banks, private sector banks - both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the fountain Head of the system. All banks play an important role in development of Indian economy. After liberalization the banking industry underwent major changes. The economic reforms totally have changed the banking sector. The Indian banking industry was dominated by public sector banks. But now the situations have changed new generation banks with use of technology and professional management have gained a reasonable position in the banking industry. The main idea of this paper is to make an evaluation of the financial performance of Indian Public sector banks. In this study Ratio analysis is used to evaluate the liquidity, and profitability and also the priority sector advances given by the various public sector banks.

Download or read book An Analysis of the Financial Performance of Indian Commercial Banks written by Krishan Kumar and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Ranking Selected Public Sector Banks in India based on the Camel Rating Methodology written by Rajveer Rawlin and published by GRIN Verlag. This book was released on 2017-06-01 with total page 17 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, , language: English, abstract: The CAMEL rating is a well established technique to compare the performance of banks and financial institutions. We compare a sample of five public sector banks in India, ranking them via the CAMEL rating. Of the banks chosen for the study SBI ranked first in capital adequacy, asset quality and earnings quality. IDBI ranked first in management efficiency while BOB ranked first in liquidity. The bank with the best overall CAMEL rank proved to be SBI. By providing a basis of comparison for different banks the CAMEL rating can yield valuable insight to several stake holders of banks such as bank management, investors and regulators.

Download or read book Efficiency Analysis of Public Sector Banks in India written by Shradha Malhotra Banga and published by LAP Lambert Academic Publishing. This book was released on 2012-05 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The banking sector is one of the most dynamic sectors which face many changes in its working: both internal as well as external. The banks face the challenge of being efficient in times of boom and bust. Thus they are required to be efficient in every respect. The Reserve Bank of India conducts supervision of commercial banks to ensure that the commercial banks in India perform efficiently. One of the popular methods of supervision is CAMEL Model. In this analysis the financial statements of banks are assessed for: Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality and Liquidity. The CAMEL Model is abbreviation of the above 5 financial components studied for analyzing efficiency of a bank. These 5 components comprise 23 ratios. The efficiency study on the basis of CAMEL model is only annual and that is also not made public. This research work analyzes rate of change in these 23 ratios for 28 Public Sector Banks over a period of 9 years i.e. from 2000 to 2008 in order to know 'if changes brought about in banking sector in this post-reform period of Indian Economy are towards efficiency or not'.

Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.

Download or read book Capital Structure Profitability Analysis written by Ashvinkumar Solanki and published by LAP Lambert Academic Publishing. This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book is on "Capital Structure & Profitability Relationship - An empirical analysis to study the impact of Capital Structure on Financial Performance of Listed Public & Private Sector Banks in India."And it includes overview of Indian Banking Sector, Structure of Indian Banking System, Problems or challenges faced by Indian Banking System, Basic information of selected sample Public & Private sector bank, Research Problem, Research Methodology, Literature Reviews, Research Design, Hypothesis building & its testing & Findings & conclusions on the same topic. In this Master Thesis, the research has been carried out by collecting the financial data of P & L A/C and Balance Sheet of selected Public & Private sector banks & by calculating various capital structure and profitability ratios from these data. Hypothesis testing has been carried out by performing ANOVA test for different variables like; Debt Ratio, Debt Equity Ratio, Coverage Ratio, ROCE, ROE, ROA, Financial Leverage & EPS and also by analyzing the relationship between various dependent & independent variable through Multiple Regression Analysis.

Download or read book Deregulation and Efficiency of Indian Banks written by Sunil Kumar and published by Springer Science & Business Media. This book was released on 2013-10-23 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: ​ 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.

Download or read book Financial Performance Analysis of Select Public Sector Enterprises in India written by Kaushik Chakraborty and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Public sector is a vital part of Indian economy. It contributes enormously to the advancement of the infrastructure of the country. Due to the measures relating to deregulation, globalization and liberalization adopted by the Central Government, Indian public sector has experienced a paradigm shift from its previous state. In fact, in order to survive in today's hi-tech competitive environment, public sector enterprises have to reorient their policies. A large number of researches have been undertaken to evaluate individually the different aspects of the financial performance of public sector enterprises. However, no comprehensive study for measuring the overall financial performance has been made in the recent past. The present study is a serious attempt to measure the overall financial performance of 10 selected companies in Indian public sector during the period 1997-98 to 2011-12. Relevant statistical tools and techniques have been used for data analysis.