Download or read book Managing Profits Profitability Productivity in Public Sector Banking written by Kiran Chopra and published by . This book was released on 1987 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study of five selected public sector banks from Punjab, Haryana, Himachal Pradesh, Jammu and Kashmir, and the Union Territory of Chandigarh, 1969-1981.

Download or read book Managing Service Productivity written by Ali Emrouznejad and published by Springer. This book was released on 2014-07-31 with total page 405 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume describes how frontier efficiency methodologies such as Data Envelopment Analysis (DEA) and other techniques such as multi-criteria decision making can help service industries to improve their performance by providing a ranking of best-practice efficient service units and by identifying sources of inefficiency for each service unit. It explains how they can be used to determine potential improvement targets for each of the inefficient service units, to identify peers for each service organization and to provide a basis for continuous performance improvement. Presenting applications in a variety of industries, this book will be useful for the service management to improve service productivity, profitability, sustainability and quality and effectiveness of service deliveries. A free trial version of the World’s leading Data Envelopment Analysis Software (PIM-DEA) is available for readers of this book.

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 Regional Rural Banks in Liberalized Environment written by A. P. Pati and published by Mittal Publications. This book was released on 2005-01-01 with total page 152 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 Performance Evaluation And Customer Satisfaction Of Public Sector Banks And New Generation Private Sector Banks In The Post Liberalised Era written by Dr Aloysius O.C and published by Archers & Elevators Publishing House. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Priority Sector Lending in India by Public Sector Banks written by Dr. Sanjeev Kumar and published by EduPedia Publications (P) Ltd. This book was released on 2017-01-13 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book entitled “Priority Sector Lending in India by Public Sector Banks- A Study of Pre and Post-Reform Period” is a Ph.D. thesis evaluated by Dr. Tapan Choure, Professor and Head, Vikram University, Ujjain (MP) and Dr. Shakuntla Gupta, Professor, Punjabi University Patiala (Punjab). Both these evaluators had recommended the publication of the thesis in its present form. Two research papers have been published from this thesis in the journal of “the Finance-India” and the Indian Journal of Economics. Commercial banks are supposed to play an important role in achieving the economic development by providing effective institutional credit support to various regions/sectors/sections. Banking has been viewed as a catalytic agent that must develop and support not only single element of national economy, but, also provide an effective link between the productive, distributive and consumption side of it. One of the most important objective of government policies since bank nationalization has been to extend and expand credit not only to those sectors which were of crucial importance in terms of their contribution to national income and employment, but, also to those sectors which have been severely neglected in terms of access to institutional credit. Those sectors which were to be initially identified for this purpose were agriculture, small scale industries and self employed persons. These sectors were accorded priority status in credit allocation by the banks. In fact, priority sector is still the butter and bread, both, literally and figuratively of Indian economic growth. Therefore, they require a special status. Though, there is no known formal decision by the government regarding curtailment in priority sector credit, yet, serious attempts have been in recent years to dilute the norms of priority sector lending. New banking culture after banking sector reforms is set to focus on credit to customer durables’, to corporate allied and to capital market related activities. Since the aim of banking reforms is to make public sector banking more proficient in treasury operations, the importance of investing in priority sector seems to have lost its relevance for banks. The present study seeks to analyze the growth and structure of priority sector lending in different states during the pre and post-reform period in India. Further, an attempt is also made to probe the trends in disparities in priority sector lending across the selected states of India. The scope of the study is confined to priority sector lending by the public sector banks only. Since public sector banks represent majority of the commercial banking activities in India, the overall trend can be easily determined by analyzing the data of priority sector lending of the public sector banks alone. Public sector banks are those, which are included in the second schedule of Reserve Bank of India Act 1934. However, the regional rural banks are not included in the present study. The main objective of the study is to analyze the level and structure of priority sector lending in India during the pre and post-reform period. How with economic reforms, the growth and composition of priority sector lending has been affected needs to be analyzed. Further, to what extent the different stipulated targets of priority sector lending are met also remains to be examined. Whether, priority sector credit is evenly disbursed across different states/sectors or is confined to few states/sectors remain to be studied. So, the present study is an attempt to evaluate the performance of public sector banks during the pre and post-reform period in priority sector lending. The study comprises eight chapters in all. The first chapter contains the role of commercial banks in the process of economic development and the genesis of priority sector lending in India. Also, various issues relating to non-performing assets (NPAs) in priority sector lending is discussed in this chapter. Further, a brief review of literature on priority sector lending by the public sector banks has been presented in the second chapter. The third chapter outlines the need, scope, objectives, hypothesis, limitations and methods of investigations used in the study. In the fourth and fifth chapter, the performance of public sector banks in financing agriculture and small scale industries has been analyzed respectively. In the sixth chapter, the performance of banks with respect to ‘other priority sector’ has been evaluated. In the seventh chapter, the performance of public sector banks with respect to overall priority sector lending has been examined. The growth and structure of NPAs in priority sector lending are also analyzed in the seventh chapter. Finally, summing up of the findings and conclusions of the present study and suggestions for improving the quality of priority sector lending by public sector banks finds a place in the eighth (last) chapter of the study.

Download or read book Cost and Profitability of Public Sector Banks written by P. Venkata Ramana Murty and published by . This book was released on 1996 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study in the Indian context.

Download or read book MANAGEMENT OF NON PERFORMING ASSETS IN PRIORITY SECTOR ADVANCES OF PUBLIC SECTOR BANKS IN KARNATAKA written by Suresh B and published by Lulu.com. This book was released on 2013-07-16 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is mainly confined to Mandya District in the state of Karnataka. The main focuses of the study is on the problem of NPAs in Canara Bank only and also see how the effective measures has enabled the banks to raise their profitability. The study also focused on growth and performance of Canara Bank in Mandya District.

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 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 Hundred Small Steps written by India. Committee on Financial Sector Reforms and published by SAGE Publications. This book was released on 2009-01-06 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: While previous reports have focused solely on the ‘big’ issues like capital account convertibility, bank privatization, and priority sector norms, A Hundred Small Steps: Report of the Committee on Financial Sector Reforms goes deep into other areas where reforms are less controversial, but perhaps as important. The report argues that we need a change in mindset for the financial sector, one that recognizes that efficiency, innovation, and value for money are as important for the poor as they are for our new Indian multinationals, and these will come from improved governance, new entry and competition. Indeed the Committee believes that the road to making Mumbai an international financial centre runs through every village in India. The report is divided into separate self-contained chapters; the underlying theme behind all the proposals is the need to enhance inclusion, growth, and stability by allowing players more freedom, even while strengthening the financial and regulatory infrastructure. The role of the government is to create an enabling environment by building sound financial infrastructure. The Committee has focused primarily on broad principles and directions, without entering too much into details of implementation. It emphasizes three important reasons for financial sector reform: to include more Indians in the growth process; to foster growth itself; and to improve financial stability, flexibility, and resilience and thus protect the economy against the kind of turbulence that is affecting the world today. The Committee recognizes this is a difficult time to propose financial sector reforms in India. The near meltdown of the US financial sector seems to be proof that markets and competition do not work. This is clearly the wrong lesson to take from the debacle. The right lesson is that markets and institutions do succumb occasionally to excesses, which is why regulators have to be vigilant. The report argues for skilled regulators who encourage growth and innovation even while working harder to contain risks.

Download or read book Emerging Trends and Practices in the Sphere of Commerce and Management written by Dr.Punit Kumar Kanujiya,Hargun Sahni and published by SHREE VINAYAK PUBLICATION. This book was released on with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Book is Addressing seventeen Articles related to a Study on Celebrity Endorsement and its Impact on Cunsumer Attitudes and Buying behavior with special reference north Chennai,Emerging Trends and Practices in the Sphere of Commerce and Management ,Corporate Socia Resonsibility as a measure of sustainability:A Literature review approach ,formative or Reflective Measurment Model Assesment ...... This edited Book is presented in very simple,lucid and logical format and its believed that this edited book wll be of great interest of concerned faculty members ,researchers,professonals Managers ,policy makersand anyone looking to gain a solid foundation to continue their learning of the dynamics of human resource.

Download or read book CAMELS RATING OF INDIAN BANKING SECTOR written by Dr. Tarsem Lal and Mr. Arjun Gupta and published by Ashok Yakkaldevi. This book was released on 2022-08-25 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: The banking industry is a vital part of the financial system. It aids in the stimulation of capital formation, innovation, and monetization, as well as the facilitation of monetary policy and plays an important part in the economic development of countries (Said & Tumin, 2011). It acts as a catalyst for achieving a long-term economic upswing through effective fiscal intervention. A financially sound system encourages investment by funding lucrative market niches, mobilising savings, efficiently dispensing resources and making commodity and service trading more convenient (Echekoba et al., 2014). During the liberalisation process in India, the banking industry has changed significantly. Since 1969, when the Indian government nationalised all major banks, the banking sector in India has been dominated by public sector banks.

Download or read book Changing Senario of Business and E Commerce written by and published by Dr.Dinesh D.Bhakkad. This book was released on with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Human Resource Management in Context written by David Farnham and published by Kogan Page Publishers. This book was released on 2015-02-13 with total page 485 pages. Available in PDF, EPUB and Kindle. Book excerpt: HR functions within both internal and external contexts. The understanding of both contexts is crucial for comprehending how and why they drive HR strategies and practices in organizations, as well as the rules and structures within which they work. Built around five major themes which impact upon the HR function, and mapping to the CIPD Level 7 Advanced module of the same name, Human Resource Management in Context enables students to understand the complex and changing organizational context in which HR operates today by providing a comprehensive breakdown of the concepts, theories and issues from globalization and government policy to demographic, social and technological trends. This fully updated 4th edition of Human Resource Management in Context includes a range of pedagogical features, balancing theory with practical analysis to form an engaging insight into the strategic side of HR. It includes enhanced emphasis on the impact of the external environment on the HR profession, a discussion of the impact of technology and social media, increased coverage of ethics and CSR and links to the HR Profession Map. Online supporting resources for lecturers include an instructor's manual, lecture slides, annotated web links and guidance for the chapter activities.

Download or read book A Guide To Corporate Governance written by N. Gopalsamy and published by New Age International. This book was released on 2006 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: Concept Of Corporate Governance. Corporate Governance Has Caught The Interest And Imagination Of All Segments Of The Corporate World. Governance Has Assumed Greater Significance In The Light Of Series Of Corporate Failings, Both In Public And Private Sectors. The Society At Large, Have Begun To Loose Faith In The Infallibility Of Governance Systems.What Could Be The Minimum Ethical Standards Is Being Debated. The Characteristics Of Governance, When Applied In The Context Of A Country, Comprises Mechanisms, Processes And Institutions Through Which Citizens And Groups Articulate Their Interests, Exercise Their Rights, Meet Their Obligations And Mediate Their Differences. Its Aim Includes Formal Institutions And Regimes Empowered To Enforce Compliance, As Well As Informal Arrangements That People And Institutions Either Have Agreed To Or Perceive To Be In Their Interests.