Download or read book The Role of Commercial Banks in India s Developing Economy written by B. P. Sharma and published by New Delhi : S. Chand. This book was released on 1974 with total page 442 pages. Available in PDF, EPUB and Kindle. Book excerpt: Monograph on the role of commercial banks in the economic development of India - includes industrial banking, agricultural banking, savings mobilisation, export credit, agricultural credit and other forms of financing, and covers ownership, nationalization, social controls, management development, etc. Bibliography pp. 405 and 406 and statistical tables.
Download or read book Finance Development March 2012 written by International Monetary Fund. External Relations Dept. and published by International Monetary Fund. This book was released on 2012-03-14 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Young people, hardest hit by the global economic downturn, are speaking out and demanding change. F&D looks at the need to urgently address the challenges facing youth and create opportunities for them. Harvard professor David Bloom lays out the scope of the problem and emphasizes the importance of listening to young people in "Youth in the Balance." "Making the Grade" looks at how to teach today's young people what they need to get jobs. IMF Deputy Managing Director, Nemat Shafik shares her take on the social and economic consequences of youth unemployment in our "Straight Talk" column. "Scarred Generation" looks at the effects the global economic crisis had on young workers in advanced economies, and we hear directly from young people across the globe in "Voices of Youth." Renminbi's rise, financial system regulation, and boosting GDP by empowering women. Also in the magazine, we examine the rise of the Chinese currency, look at the role of the credit rating agencies, discuss how to boost the empowerment of women, and present our primer on macroprudential regulation, seen as increasingly important to financial stability. People in economics - C. Fred Bergsten, American Globalist. Back to basics - The multi-dimensional role of banks in our financial systems.
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 Commercial Banking in the Planned Economy of India written by Chitta Ranjan Basu and published by Mittal Publications. This book was released on 1991 with total page 444 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Statistical Tables Relating to Banks in India written by Reserve Bank of India and published by . This book was released on 2006 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Making It Big written by Andrea Ciani and published by World Bank Publications. This book was released on 2020-10-08 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economic and social progress requires a diverse ecosystem of firms that play complementary roles. Making It Big: Why Developing Countries Need More Large Firms constitutes one of the most up-to-date assessments of how large firms are created in low- and middle-income countries and their role in development. It argues that large firms advance a range of development objectives in ways that other firms do not: large firms are more likely to innovate, export, and offer training and are more likely to adopt international standards of quality, among other contributions. Their particularities are closely associated with productivity advantages and translate into improved outcomes not only for their owners but also for their workers and for smaller enterprises in their value chains. The challenge for economic development, however, is that production does not reach economic scale in low- and middle-income countries. Why are large firms scarcer in developing countries? Drawing on a rare set of data from public and private sources, as well as proprietary data from the International Finance Corporation and case studies, this book shows that large firms are often born large—or with the attributes of largeness. In other words, what is distinct about them is often in place from day one of their operations. To fill the “missing top†? of the firm-size distribution with additional large firms, governments should support the creation of such firms by opening markets to greater competition. In low-income countries, this objective can be achieved through simple policy reorientation, such as breaking oligopolies, removing unnecessary restrictions to international trade and investment, and establishing strong rules to prevent the abuse of market power. Governments should also strive to ensure that private actors have the skills, technology, intelligence, infrastructure, and finance they need to create large ventures. Additionally, they should actively work to spread the benefits from production at scale across the largest possible number of market participants. This book seeks to bring frontier thinking and evidence on the role and origins of large firms to a wide range of readers, including academics, development practitioners and policy makers.
Download or read book Germany s Three Pillar Banking System written by International Monetary Fund and published by International Monetary Fund. This book was released on 2004-06-21 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: German banks tend to be less profitable than their foreign counterparts. This paper estimates the likely effect of the phaseout of state guarantees for public sector banks, reviews the various ways in which public policy could contribute to their restructuring, and discusses the various arguments for and against public involvement in banking.
Download or read book Commercial Banking written by G. P. Kapoor and published by APH Publishing. This book was released on 2004 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book India s Economic Development Strategies 1951 2000 A D written by J. N. Mongia and published by Allied Publishers. This book was released on 1986 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book India and the Knowledge Economy written by Carl J. Dahlman and published by World Bank Publications. This book was released on 2005-01-01 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In the global knowledge economy of the twenty-first century, India's development policy challenges will require it to use knowledge more effectively to raise the productivity of agriculture, industry, and services and reduce poverty. India has made tremendous strides in its economic and social development in the past two decades. Its impressive growth in recent years-8.2 percent in 2003-can be attributed to the far-reaching reforms embarked on in 1991 and to opening the economy to global competition. In addition, India can count on a number of strengths as it strives to transform itself into a knowledge-based economy-availability of skilled human capital, a democratic system, widespread use of English, macroeconomic stability, a dynamic private sector, institutions of a free market economy; a local market that is one of the largest in the world; a well-developed financial sector; and a broad and diversified science and technology infrastructure, and global niches in IT. But India can do more-much more-to leverage its strengths and grasp today's opportunities. India and the Knowledge Economy assesses India's progress in becoming a knowledge economy and suggests actions to strengthen the economic and institutional regime, develop educated and skilled workers, create an efficient innovation system, and build a dynamic information infrastructure. It highlights that to get the greatest benefits from the knowledge revolution, India will need to press on with the economic reform agenda that it put into motion a decade ago and continue to implement the various policy and institutional changes needed to accelerate growth. In so doing, it will be able to improve its international competitivenessand join the ranks of countries that are making a successful transition to the knowledge economy."
Download or read book Work Culture In The Banking Industry A Sociological Study Of Three Nationalised Banks In Kolkata written by Dr Arunava Narayan Mukherjee 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 ENTREPRENEURSHIP DEVELOPMENT I Sem III written by Mayur S Tatar and published by JEC PUBLICATION. This book was released on with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an essential resource for students studying Entrepreneurship Development subject. Aligned with the syllabus, it offers comprehensive insights into the journey from idea generation to enterprise establishment. Covering both internal and external factors, it serves as a practical guide for aspiring entrepreneurs, providing foundational knowledge and actionable strategies for launching startups during their academic journey. Ideal for those looking to innovate and succeed in the world of entrepreneurship.
Download or read book Banking Performance and Socio Economic Development written by Sean Gallagher and published by Scientific e-Resources. This book was released on 2019-07-07 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking Performance and Socio Economic Development is a one-stop reference book on the beginning, development, execution, and administration of the Regional Rural Banks (RRBs) in India. It is the main book of its kind, which extensively analyzes the improvement of current banking in India since the old time frame to 2013 and birth, development, and execution of Regional Rural Banks from 1975 to 2014. It takes a gander at all the features of operations like structure, money related administration, stores, propels, NPA administration, ALM, and hazard administration hones pervasive in RRBs. It likewise depicts part of IT in RRBs. The book will fill the long-felt nonattendance of a true book on the working of RRBs of India. The book is relied upon to fill in as a handbook for the newcomers and furthermore as a kind of perspective book for the senior bankers and strategy creators. The book, rich with volumes of most recent information, gives different administrative rules relating to everyday operations, administration, and control of the provincial banks. Future Bank projects ought to likewise encourage fortify country foundations to help effective yield and info markets (for instance, arrive and rustic fund) while keeping up social and political soundness through better focused on security nets. At long last, the Bank ought to likewise fill the holes in center indicative monetary and part work by finishing an open consumption audit, with the plan to help assemble ability to organize open spending and give the premise to measures to proficiently address instruction extension.
Download or read book The World Bank Research Observer written by and published by . This book was released on 2003 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book NOURISHING INDIAN ECONOMY THROUGH BANKING SECTOR Volume I written by Dr.S.Nazeer Khan and published by Archers & Elevators Publishing House. This book was released on with total page 476 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 India in the Contemporary World written by Jakub Zajączkowski and published by Routledge. This book was released on 2015-07-17 with total page 425 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together Indian and European perspectives on India’s polity, economy and international strategy. It explores internal, regional and global determinants shaping India’s status, position and goals in the early 21st century. Through an array of methodological and theoretical approaches, it presents debates on democracy, economic development, foreign and security policy, and the course of India–European Union relations. The volume will prove invaluable to scholars and students of international relations, politics, economics, history, and development studies, as well as policy makers and economists.
