Download or read book Efficiency Indicators of Commercial Banks in India written by Shefali Tiwari and published by LAP Lambert Academic Publishing. This book was released on 2015-03-05 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competition and efficiency are difficult if not impossible to observe directly, since comparative data on individual banks are rare and figures on the cost of individual banking products are generally unavailable to common man. The literature has tried to measure these variables through twenty three factors. The literature on this topic is enormous and this book provides a welcome synthesis. It outlines various non-structural approaches to efficiency measurement. The non-structural approach requires a choice of the underlying production factors of banking from which one can derive relative performance measures. Non-structural approaches simply relate to the use of accounting/financial ratios to measure bank performance. These accounting ratios are twenty three in number which are clubbed under five independent variables related to employees, operations, liquidity, profitability and per branch.

Download or read book An Innovative Method to Measure the Efficiency of Indian Commercial Banks DEA Approach written by Subramanyam T and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Liberalisation and Efficiency of Indian Commercial Banks written by H. P. Mahesh and published by . This book was released on 2006 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Getting Finance in South Asia 2009 written by Kiatchai Sophastienphong and published by World Bank Publications. This book was released on 2008 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: This title is part of an initiative by the World Bank to develop standard indicators to measure the performance and soundness of the financial sector in the South Asia region and help pinpoint where performance is strong and where improvements are most needed. Phases I, II, and III, completed with active support and assistance from regulatory authorities in South Asia, compiled a standard set of finance indicators for five countries: Bangladesh, India, Nepal, Pakistan, and Sri Lanka. This first formally published volume encompasses Phase IV of the study, which updates all indicators under the four categories of access to finance, performance and efficiency, stability, and corporate governance, and adds two new categories: capital market developments, and market concentration and competitiveness. The addition of these measures provides a new and more holistic perspective on getting finance in South Asia, and also helps improve our understanding of the financial systems in South Asian countries. Countries in South Asia have undertaken reforms to reduce government ownership of financial institutions, bring prudential regulations in line with international norms, and strengthen banking supervision. These reforms have borne results. This volume shows that commercial banks in Bangladesh, India, Nepal, Pakistan, and Sri Lanka generally expanded access to finance and improved their performance and efficiency, stability, corporate governance, and market concentration and competitiveness over the period from 2001 to 2006. But results vary widely across and even within these areas, as shown by the countries' rankings on the indicators, which show that, with the notable exception of India, SouthAsian domestic debt markets are still at an early stage of development.

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 Operational and Market Based Efficiencies of Indian Commercial Banks written by Sanjeev C. Panandikar and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines how public, private and foreign banks maintain their efficiencies. The bank-wise data for seven criteria of efficiency for financial years 2001-02 to 2009-10 is decomposed, using factor analysis and multidimensional scaling, to obtain two different measures of efficiencies called operational and market-based efficiency. It is observed that for the study period, the banks differed significantly in terms of market-based efficiencies but not in terms of operational efficiency. It is also observed that the foreign banks have the highest average market-based efficiency.

Download or read book The Performance of Indian Banks During Financial Liberalization written by Ms.Petya Koeva Brooks and published by International Monetary Fund. This book was released on 2003-07-01 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book PERFORMANCE OF COMMERCIAL BANKS IN GOA written by Dr. Sukhaji G. Naik and published by Lulu.com. This book was released on with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Performance of Indian Commercial Banks Based on Multiple Criteria of Efficiency written by Sanjeev C. Panandikar and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The multi-criteria method, TOPSIS, is used with weights obtained using entropy function of information theory, to measure the metric efficiency ratings for Indian commercial banks on a (0, 1) scale. The bank-wise data comprising seven financial ratios is used from financial year 2001-02 to 2012-13 to rate and rank the banks. The hypotheses of equal and stable performance are tested. The findings reveal that the public sector, private sector and foreign banks do not differ in terms of average efficiency ratings but they differ from year to year. The non-performing assets and the business per employee are found to carry the highest weights.

Download or read book Commercial Banks in India written by Jaynal Uddin Ahmed and published by . This book was released on 2012-08-01 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 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 Efficiency Of Indian Banks written by Ram Pratap Sinha and published by LAP Lambert Academic Publishing. This book was released on 2014-06-23 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present book is a revised version of an University Grants Commission sponsored research project titled "Operating Efficiency of Indian Commercial Banks in the reform Era. This study is the first attempt to use Free Disposal Hull Approach to study commercial bank efficiency in the Indian context. The study also used Data Envelopment Analysis for evaluating the performance of Indian commercial banks.

Download or read book Deregulation and Overall Efficiency of Commercial Banks in India written by Indu Bala (Associate professor of economics) and published by . This book was released on 2014 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Getting Finance in South Asia 2010 written by Kiatchai Sophastienphong and published by World Bank Publications. This book was released on 2010 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Utilizing standardized indicators from 2001 to 2008, 'Getting Finance in South Asia 2010' analyzes the financial performance and soundness of commercial banks in eight South Asian countries: Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka. While the indicators cannot predict the onset of a financial crisis, their analysis has identified specific weaknesses in regional financial sectors that should be addressed by the supervisory authorities. In this current edition of the annual 'Getting Finance' publication, two new development dimensions -- payment systems developments and savings mobilization -- have been added to the six dimensions covered in the previous edition: access to finance, performance and efficiency, financial stability, market concentration and competitiveness, capital market development, and corporate governance. This edition also expands the country coverage to include Afghanistan, Bhutan and Maldives. New benchmark countries have also been added, including emerging countries from outside OECD. In addition to analyzing the 'Getting Finance' indicators, the book also discusses the challenges facing South Asian banks and the impact of the global financial crisis on their operations. The new material in this edition enables readers to have a more holistic perspective of the indicators in South Asia and a better understanding of the financial systems in the region. 'Getting Finance Indicators 2010' reaffirms the World Bank’s commitment to working with developing member countries to promote financial sector development and create financial systems that are sound, stable, supportive of growth and responsive to people’s needs.

Download or read book Determinants of Profitability of Listed Commercial Banks in India written by Rajveer Rawlin and published by GRIN Verlag. This book was released on 2019-12-09 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Doctoral Thesis / Dissertation from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, Bharathiar University, language: English, abstract: This study seeks to understand the impact of a series of key internal determinants of the profitability of listed commercial banks in India. Following are the research questions raised in this regard: Are there differences in key performance measures of private and public sector banks? Does the size of the bank affect bank profitability? Does the bank’s lending activity and income generation capability affect its profitability? Does the productivity of the bank impact its profitability? Does the bank’s asset quality and capital adequacy affect its profitability? Can bank profitability be forecasted from determinants? The banking industry in India is diverse in nature. There are more than sixty listed commercial banks in India. These include banks in the public and private sector and the banks are of varying size and profitability levels. As noted early, the Indian banking system is faced with severe asset quality issues. The banking system has been flooded with non-performing assets which have significantly eroded the bank margins. Recent adverse developments in the banking sector such as lending scams and questionable advances to troubled segments of the economy have dominated the financial press. While this being so, this research is aimed at examining the contributing factors of profitability in banks. Key measures of bank profitability include the return of assets, return on equity and net interest margin. There are several possible drivers of bank profitability. These include asset quality, capital adequacy, liquidity, productivity and income. While several studies till date have looked at key determinants of bank profitability, very few studies have compared the effect of key determinants for a larger cross section of banks that represent the banking sector in India as a whole. Hence an attempt has been made in this study to know the key drivers of profitability of the banking sector. The study also looks at the similarities or the differences of the influence of selected determinants on profitability measures across the sample of banks selected for research. This study also compares the key drivers of bank profitability for public and private sector banks and an attempt is made to develop models to forecast bank profitability from key determinants.

Download or read book Performance Evaluation of the Indian Banking Sector written by Prabhjot Kaur and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Indian banking industry has passed through various phases of change marking its development. Performance of the commercial banks is an important indicator of the state and growth of the banking system in India which can be measured in different terms. This paper makes an attempt to analyze the performance of the four major banks in India, namely, Punjab National Bank (PNB), State Bank of India (SBI), ICICI Bank and HDFC Bank, for the period 2009-2014. The paper analyzes the impact of various performance parameters on the performance of the selected banks using secondary data. The performance of the banks has been measured using different ratios, and regression analysis has been applied to find the factors predominantly affecting the performance of the banks. The results show that net NPA ratio as a percentage of loans, savings deposit as a percentage of total deposits, priority sector advances as a percentage of total advances and total income as a percentage of capital employed are the factors predominantly affecting the performance of banks.