- This document provides an introduction and background to a study evaluating the performance of commercial banks in India following banking sector reforms initiated in 1992.
- The objectives of the study are to assess the impact of reforms on efficiency, profitability, and performance of public sector banks compared to private sector banks.
- The study will analyze 11 years of data for 27 public sector banks and 24 private sector banks using 11 key performance indicators. Key findings will compare performance across time periods and bank groups.
Financial sector plays a pivotal role in the economic development, but, in recent time, it has witnessed that the World Economy is passing through some intricate circumstances as bankruptcy of banking & financial institutions, debt crisis in major economies of the world and euro zone crisis. The scenario has become very uncertain causing recession in major economies like US and Europe. The tempo of development for the Indian banking industry has been remarkable over the past decade. It is evident from the higher pace of credit expansion, expanding profitability and productivity similar to banks in developed markets, lower incidence of non- performing assets and focus on financial inclusion have contributed to making Indian banking vibrant and strong. Indian banks have begun to revise their growth approach and re-evaluate the prospects on hand to keep the economy rolling. It is generally agreed that a strong and healthy banking system is a prerequisite for sustainable economic growth. The banking sector has always been one of the important sectors for investment. In the time of uncertainty, some are arguing that the economies are in the process of recovery, and while others are opining that the world is set for another recession soon. In order to resist negative shocks and maintain financial stability, it is important to identify the Performance of Indian Banking Sector. The current study is mainly concerned with the analysis of Performance Of banking sector in India, that reflects the impact of new competitive environment on the bank’s performance in terms of various selected parameters. The article considered the variables like balance sheet operations, efficiency, profitability ,Capital Adequacy, Asset Quality, Sect oral deployment of bank credit, Technological Development, Customer services and Financial Inclusion for a period of 6 years from 2011 to 16. The Data was collected through secondary sources from Statistical Tables relating to banks in India. The results have found strong evidence poor profitability and inefficiency of managing the assets in the year 2016.
The document provides an overview of Mercantile Bank Limited (MBL) in Bangladesh, including:
- MBL was established in 1999 and now has over 100 branches across Bangladesh.
- It aims to be the bank of choice for customers and a leading bank through quality operations.
- MBL provides various banking services like deposits, loans, trade finance and SME financing.
- The management structure includes the Board of Directors, CEO and different levels of management.
The Islamic Rural Bank (IRB) Bumi Rinjani Kepanjen is a financial institution that has Sharia
principles in carrying out its activities conventionally. In improving the development of financial institutions, it
is necessary to assess the company's financial performance. Thus, researchers want to know how the financial
performance of IRB Bumi Rinjani Kepanjen during the 2016-2020 period.
This study aims to analyse the impact of external factors and internal factors on the risk factors of
regional development bank. Sample used in this study is regional development banks in Indonesia in the period
of 2015 – 2019.
Financial Performance Analysis of Sonali BankMd. Shohel Rana
Sonali Bank Limited is Bangladesh's largest bank. It has over 1211 branches across Bangladesh and operates internationally. The report analyzes Sonali Bank's financial performance over the last 5 years through ratio analysis using data from annual reports and income statements. It finds constraints that hinder the bank's performance and provides suggestions. The analysis improves the author's practical knowledge of banking and report writing skills.
This document summarizes a research paper that analyzes the efficiency of the Korean banking sector from 1992-2003 using data envelopment analysis. It finds that estimates of technical efficiency are consistently higher under an operating approach compared to an intermediation or value-added approach. Banks show relatively low technical efficiency under the intermediation approach. The study aims to extend previous research by comparing different input/output definitions and constructing dynamic panels to account for changes over time in the evolving Korean banking sector environment.
The Performance Analysis of Private Conventional Banks: A Case Study of Bangl...IOSR Journals
This study attempts primarily to measure the financial performance of some selected private
commercial banks in Bangladesh for the period 2006-2011 and to identify whether any relationship exists
between a bank’s years of operation and its performance. For this purpose five banks have been selected from
different generations. The financial performances of these banks have been scrutinized from the following four
dimensions: (1) profitability (2) liquidity (3) credit risk and (4) efficiency. The study concluded that there is no
specific relationship between the generation of banks and its performance. The performances of banks are
dependent more on the management’s ability in formulating strategic plans and the efficient implementation of
its strategies. The study findings can be helpful for management of private commercial banks in Bangladesh to
improve their financial performance and formulate policies that will improve their performance. The study also
identified specific areas for each bank to work on which can ensure sustainable growth for these banks
The document discusses budgeting practices in the downstream petroleum industry in Mongolia. It begins with an introduction that outlines the background, problem statement, research questions, significance, limitations, and scope of the study. It then provides a literature review on topics such as the petroleum industry, downstream petroleum industry in Mongolia, definitions and purposes of budgeting, different budgeting approaches, and common problems with budgeting. The methodology section indicates that a qualitative approach using interviews will be used. The findings section provides initial descriptive data on the surveyed companies and outlines the results of the interviews regarding the budgeting approaches used and problems faced.
In 3 sentences or less: The document outlines a study on budgeting practices in Mongolia
Financial sector plays a pivotal role in the economic development, but, in recent time, it has witnessed that the World Economy is passing through some intricate circumstances as bankruptcy of banking & financial institutions, debt crisis in major economies of the world and euro zone crisis. The scenario has become very uncertain causing recession in major economies like US and Europe. The tempo of development for the Indian banking industry has been remarkable over the past decade. It is evident from the higher pace of credit expansion, expanding profitability and productivity similar to banks in developed markets, lower incidence of non- performing assets and focus on financial inclusion have contributed to making Indian banking vibrant and strong. Indian banks have begun to revise their growth approach and re-evaluate the prospects on hand to keep the economy rolling. It is generally agreed that a strong and healthy banking system is a prerequisite for sustainable economic growth. The banking sector has always been one of the important sectors for investment. In the time of uncertainty, some are arguing that the economies are in the process of recovery, and while others are opining that the world is set for another recession soon. In order to resist negative shocks and maintain financial stability, it is important to identify the Performance of Indian Banking Sector. The current study is mainly concerned with the analysis of Performance Of banking sector in India, that reflects the impact of new competitive environment on the bank’s performance in terms of various selected parameters. The article considered the variables like balance sheet operations, efficiency, profitability ,Capital Adequacy, Asset Quality, Sect oral deployment of bank credit, Technological Development, Customer services and Financial Inclusion for a period of 6 years from 2011 to 16. The Data was collected through secondary sources from Statistical Tables relating to banks in India. The results have found strong evidence poor profitability and inefficiency of managing the assets in the year 2016.
The document provides an overview of Mercantile Bank Limited (MBL) in Bangladesh, including:
- MBL was established in 1999 and now has over 100 branches across Bangladesh.
- It aims to be the bank of choice for customers and a leading bank through quality operations.
- MBL provides various banking services like deposits, loans, trade finance and SME financing.
- The management structure includes the Board of Directors, CEO and different levels of management.
The Islamic Rural Bank (IRB) Bumi Rinjani Kepanjen is a financial institution that has Sharia
principles in carrying out its activities conventionally. In improving the development of financial institutions, it
is necessary to assess the company's financial performance. Thus, researchers want to know how the financial
performance of IRB Bumi Rinjani Kepanjen during the 2016-2020 period.
This study aims to analyse the impact of external factors and internal factors on the risk factors of
regional development bank. Sample used in this study is regional development banks in Indonesia in the period
of 2015 – 2019.
Financial Performance Analysis of Sonali BankMd. Shohel Rana
Sonali Bank Limited is Bangladesh's largest bank. It has over 1211 branches across Bangladesh and operates internationally. The report analyzes Sonali Bank's financial performance over the last 5 years through ratio analysis using data from annual reports and income statements. It finds constraints that hinder the bank's performance and provides suggestions. The analysis improves the author's practical knowledge of banking and report writing skills.
This document summarizes a research paper that analyzes the efficiency of the Korean banking sector from 1992-2003 using data envelopment analysis. It finds that estimates of technical efficiency are consistently higher under an operating approach compared to an intermediation or value-added approach. Banks show relatively low technical efficiency under the intermediation approach. The study aims to extend previous research by comparing different input/output definitions and constructing dynamic panels to account for changes over time in the evolving Korean banking sector environment.
The Performance Analysis of Private Conventional Banks: A Case Study of Bangl...IOSR Journals
This study attempts primarily to measure the financial performance of some selected private
commercial banks in Bangladesh for the period 2006-2011 and to identify whether any relationship exists
between a bank’s years of operation and its performance. For this purpose five banks have been selected from
different generations. The financial performances of these banks have been scrutinized from the following four
dimensions: (1) profitability (2) liquidity (3) credit risk and (4) efficiency. The study concluded that there is no
specific relationship between the generation of banks and its performance. The performances of banks are
dependent more on the management’s ability in formulating strategic plans and the efficient implementation of
its strategies. The study findings can be helpful for management of private commercial banks in Bangladesh to
improve their financial performance and formulate policies that will improve their performance. The study also
identified specific areas for each bank to work on which can ensure sustainable growth for these banks
The document discusses budgeting practices in the downstream petroleum industry in Mongolia. It begins with an introduction that outlines the background, problem statement, research questions, significance, limitations, and scope of the study. It then provides a literature review on topics such as the petroleum industry, downstream petroleum industry in Mongolia, definitions and purposes of budgeting, different budgeting approaches, and common problems with budgeting. The methodology section indicates that a qualitative approach using interviews will be used. The findings section provides initial descriptive data on the surveyed companies and outlines the results of the interviews regarding the budgeting approaches used and problems faced.
In 3 sentences or less: The document outlines a study on budgeting practices in Mongolia
This document analyzes the financial performance of Janata Bank from 2009-2013. It finds that the bank's current ratio fluctuated around 1, while its debt ratio decreased from 95.28% to 93.67% over this period. The bank's return on assets increased from 1% to 1.42% except in 2012 when it was -3.5%. The study recommends that Janata Bank reduce operating costs to decrease its cost to income ratio and reconsider its capital structure to lower debt levels.
Impact on NPAs on the performance of UCO Bank: A Studyijtsrd
The document discusses the impact of non-performing assets (NPAs) on the performance of UCO Bank. It analyzes NPAs and financial ratios related to NPAs of UCO Bank from 2013-2018. A key finding is that gross NPA and net NPA ratios have been increasing each year, indicating deteriorating asset quality. The study also finds a negative correlation between profitability (ROA) and NPAs, suggesting higher NPAs adversely affect bank performance. Through regression analysis, it is shown that a rise in NPAs leads to a decrease in ROA. Overall, the increasing NPAs over the years have negatively impacted the financial health and performance of UCO Bank.
This document provides an overview of Prime Bank Limited in Bangladesh. It states that Prime Bank Limited is a scheduled commercial bank established in 1995. It has grown to 37 branches across Bangladesh. The bank focuses on understanding customer needs and offers various corporate and personal banking services. It discusses Prime Bank's financial performance in recent years, including operating profits and capital levels. Overall, the document provides high-level information about Prime Bank Limited's history, services, and financial standing.
This document provides an overview and analysis of the financial performance of Prime Bank Limited (PBL) in Bangladesh. It includes an introduction describing the purpose and methodology of the report. Chapter 2 provides an overview of PBL, including its vision, mission, products/services, and subsidiaries. Chapter 3 discusses financial analysis and different types of ratio analysis used in the report. Chapter 4 presents the results of an in-depth ratio analysis of PBL's financial statements over multiple years to evaluate its liquidity, activity, debt, profitability, and market value ratios. The conclusion will summarize the findings and provide recommendations.
Prime Bank Limited is one of the leading private banks in Bangladesh. The document provides an overview of Prime Bank, including its:
- History and background, establishing it was founded in 1995 and is a conventional and Islamic bank.
- Organizational structure and leadership, with details on the Board, management hierarchy, and branches across Bangladesh.
- Financial performance over time, showing growth in assets, deposits, loans, and profits between 2007-2008.
- Range of banking services, from deposits, loans, trade finance to credit cards, retail banking, and Islamic banking windows.
Measuring Technical and Scale Efficiency of Banks in India Using DEAiosrjce
This document summarizes a study that uses Data Envelopment Analysis (DEA) to measure the technical and scale efficiency of commercial banks in India from 2006 to 2010. Two DEA models, the CCR and BCC models, are used to estimate technical and scale efficiency. The results indicate that deregulation of the banking sector has led to an increase in efficiency over time. Private sector banks performed better than public sector banks during this period. The source of inefficiency was mainly due to scale rather than pure technical inefficiency.
Prime Bank Limited is a private commercial bank in Bangladesh that was established in 1995. The report provides an overview of Prime Bank, including its vision, mission, management structure, departments, products, and financial performance. It also discusses the general banking activities and operations of the bank's Dhanmondi branch.
The document is a presentation on measuring job satisfaction of employees at Jamuna Bank Ltd. It includes:
- Objectives to identify key job satisfaction factors and overall satisfaction through questionnaires.
- A description of the bank, its vision, organizational structure, and human resource management practices.
- Details on the study design which involved questionnaires with 10 employees of various roles.
- An analysis showing most employees were satisfied with their salary, benefits, job security, and work environment but less satisfied with opportunities for promotion and flexibility.
The document discusses a study on measuring customer satisfaction in state-owned banks in Bangladesh. The study aims to identify factors that affect customer satisfaction in state-owned commercial banks compared to private banks. It develops a model of customer satisfaction using factors like responsiveness, assurance, physical comfort, variety of services, and inappropriate employee behavior. The model is tested through surveys with bank customers. The results found that responsiveness, physical comfort and assurance were the most important drivers of customer satisfaction for state-owned bank customers. The study concludes that state-owned banks should focus on improving responsiveness, physical environments, and ensuring customer issues are resolved to enhance customer satisfaction.
The document discusses the history and operations of Jammu and Kashmir Bank. It notes that the bank was established in 1938 as a government company and began operations in 1939. It has since grown to become the largest bank in the private sector in Jammu and Kashmir despite the government holding 53% of its shares. The bank provides important services like facilitating government transactions, salary disbursements, and acting as an agent of the Reserve Bank of India.
This document provides an overview of fundamental analysis conducted on banking stocks in India. The analysis was conducted over 10 weeks and examined economic factors, the banking industry, and the profitability of major banking companies. The analysis found that the intrinsic stock values of the 5 banks studied - SBI, Bank of Baroda, PNB, IDBI, and Canara Bank - were undervalued compared to their market prices, indicating they were good investment opportunities. The document provides context on the Indian stock market and banking industry as well as details on the methodology used in the fundamental analysis.
11.financial performance of paper and paper product companies in india in pos...Alexander Decker
This document analyzes the financial performance of paper and paper product companies in India from 2000-2009. It uses seven key financial dimensions to evaluate performance: financial profitability, capital structure, operational efficiency, fixed asset age, current asset efficiency, liquidity position, and profit appropriation. The study finds that liquidity position and profitability of the industry are strong, ensuring good liquidity management and profits. However, dividend payments are lower than desired by investors. Overall financial position could be improved by maximizing assets and minimizing liabilities. The analysis identifies strengths and weaknesses within the paper industry.
Dedication,Letter of submission,Executive summary-" Financial Performance Ana...Md. Shohel Rana
This document is an internship report on the financial performance analysis of Sonali Bank Limited from 2012-2016. It includes sections on the background of Sonali Bank and the internship, an overview of the bank, analysis of key financial ratios, and recommendations. The main purpose is to analyze SBL's financial performance by examining ratios related to profitability, liquidity, leverage, and activity. While some ratios indicate positive performance, others like debt ratio, times interest earned ratio, and return on assets and equity require closer investigation. Overall, the analysis finds room for structural, technological and management improvements at SBL to enhance efficiency and better serve customers and the country's economic development.
Formulation of corporate governance index for banks in indiaAlexander Decker
This document discusses the formulation of a Corporate Governance Index for banks in India. It first reviews literature on corporate governance in financial institutions globally and in India. It explores factors critical for evaluating corporate governance in banks, such as board practices, risk management, disclosure, and compensation. The paper then develops a Corporate Governance Index for Indian banks consisting of factors like the board, audit committee, related party transactions, and disclosures. It assigns scores to sub-elements of each factor based on literature. The resulting index is intended to provide a guideline for assessing corporate governance quality in Indian banks.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
This presentation summarizes the financial analysis of United Commercial Bank Limited (UCBL) over a five year period from 2010-2014. It includes an analysis of UCBL's current ratio, debt ratio, net profit margin, return on assets, return on equity, and earnings per share over this time period. It also provides a comparative analysis of UCBL's performance versus industry averages for return on assets and return on equity. Major findings are that UCBL has maintained a stable current ratio and lower cost to income ratio compared to industry averages. The presentation concludes with recommendations to UCBL such as maintaining their current ratio and developing their information systems.
This document appears to be an internship report submitted to a university professor. It includes standard components like a title page, letter of transmittal, declaration, approval, acknowledgements, executive summary, table of contents, and chapters on the history and overview of Pubali Bank Ltd, general banking activities, loans and advances, the author's learning experience, findings, and recommendations. The report examines the general banking operations of Pubali Bank Ltd's Mohammadpur branch in Dhaka, Bangladesh as part of the author's BBA program requirements.
This report summarizes M.A. Matin's internship at Pubali Bank Ltd's Principal Branch in Dhaka, Bangladesh. It provides an overview of Pubali Bank's vision, organizational structure, and the general banking, loans, and advances departments. As part of the internship, Matin assisted with account openings, check processing, local remittances like telegraphic transfers and demand drafts, loan applications and disbursements, and customer service. The report also identifies some challenges faced by the bank and provides recommendations to address them.
This document analyzes the financial performance of Janata Bank from 2009-2013. It finds that the bank's current ratio fluctuated around 1, while its debt ratio decreased from 95.28% to 93.67% over this period. The bank's return on assets increased from 1% to 1.42% except in 2012 when it was -3.5%. The study recommends that Janata Bank reduce operating costs to decrease its cost to income ratio and reconsider its capital structure to lower debt levels.
Impact on NPAs on the performance of UCO Bank: A Studyijtsrd
The document discusses the impact of non-performing assets (NPAs) on the performance of UCO Bank. It analyzes NPAs and financial ratios related to NPAs of UCO Bank from 2013-2018. A key finding is that gross NPA and net NPA ratios have been increasing each year, indicating deteriorating asset quality. The study also finds a negative correlation between profitability (ROA) and NPAs, suggesting higher NPAs adversely affect bank performance. Through regression analysis, it is shown that a rise in NPAs leads to a decrease in ROA. Overall, the increasing NPAs over the years have negatively impacted the financial health and performance of UCO Bank.
This document provides an overview of Prime Bank Limited in Bangladesh. It states that Prime Bank Limited is a scheduled commercial bank established in 1995. It has grown to 37 branches across Bangladesh. The bank focuses on understanding customer needs and offers various corporate and personal banking services. It discusses Prime Bank's financial performance in recent years, including operating profits and capital levels. Overall, the document provides high-level information about Prime Bank Limited's history, services, and financial standing.
This document provides an overview and analysis of the financial performance of Prime Bank Limited (PBL) in Bangladesh. It includes an introduction describing the purpose and methodology of the report. Chapter 2 provides an overview of PBL, including its vision, mission, products/services, and subsidiaries. Chapter 3 discusses financial analysis and different types of ratio analysis used in the report. Chapter 4 presents the results of an in-depth ratio analysis of PBL's financial statements over multiple years to evaluate its liquidity, activity, debt, profitability, and market value ratios. The conclusion will summarize the findings and provide recommendations.
Prime Bank Limited is one of the leading private banks in Bangladesh. The document provides an overview of Prime Bank, including its:
- History and background, establishing it was founded in 1995 and is a conventional and Islamic bank.
- Organizational structure and leadership, with details on the Board, management hierarchy, and branches across Bangladesh.
- Financial performance over time, showing growth in assets, deposits, loans, and profits between 2007-2008.
- Range of banking services, from deposits, loans, trade finance to credit cards, retail banking, and Islamic banking windows.
Measuring Technical and Scale Efficiency of Banks in India Using DEAiosrjce
This document summarizes a study that uses Data Envelopment Analysis (DEA) to measure the technical and scale efficiency of commercial banks in India from 2006 to 2010. Two DEA models, the CCR and BCC models, are used to estimate technical and scale efficiency. The results indicate that deregulation of the banking sector has led to an increase in efficiency over time. Private sector banks performed better than public sector banks during this period. The source of inefficiency was mainly due to scale rather than pure technical inefficiency.
Prime Bank Limited is a private commercial bank in Bangladesh that was established in 1995. The report provides an overview of Prime Bank, including its vision, mission, management structure, departments, products, and financial performance. It also discusses the general banking activities and operations of the bank's Dhanmondi branch.
The document is a presentation on measuring job satisfaction of employees at Jamuna Bank Ltd. It includes:
- Objectives to identify key job satisfaction factors and overall satisfaction through questionnaires.
- A description of the bank, its vision, organizational structure, and human resource management practices.
- Details on the study design which involved questionnaires with 10 employees of various roles.
- An analysis showing most employees were satisfied with their salary, benefits, job security, and work environment but less satisfied with opportunities for promotion and flexibility.
The document discusses a study on measuring customer satisfaction in state-owned banks in Bangladesh. The study aims to identify factors that affect customer satisfaction in state-owned commercial banks compared to private banks. It develops a model of customer satisfaction using factors like responsiveness, assurance, physical comfort, variety of services, and inappropriate employee behavior. The model is tested through surveys with bank customers. The results found that responsiveness, physical comfort and assurance were the most important drivers of customer satisfaction for state-owned bank customers. The study concludes that state-owned banks should focus on improving responsiveness, physical environments, and ensuring customer issues are resolved to enhance customer satisfaction.
The document discusses the history and operations of Jammu and Kashmir Bank. It notes that the bank was established in 1938 as a government company and began operations in 1939. It has since grown to become the largest bank in the private sector in Jammu and Kashmir despite the government holding 53% of its shares. The bank provides important services like facilitating government transactions, salary disbursements, and acting as an agent of the Reserve Bank of India.
This document provides an overview of fundamental analysis conducted on banking stocks in India. The analysis was conducted over 10 weeks and examined economic factors, the banking industry, and the profitability of major banking companies. The analysis found that the intrinsic stock values of the 5 banks studied - SBI, Bank of Baroda, PNB, IDBI, and Canara Bank - were undervalued compared to their market prices, indicating they were good investment opportunities. The document provides context on the Indian stock market and banking industry as well as details on the methodology used in the fundamental analysis.
11.financial performance of paper and paper product companies in india in pos...Alexander Decker
This document analyzes the financial performance of paper and paper product companies in India from 2000-2009. It uses seven key financial dimensions to evaluate performance: financial profitability, capital structure, operational efficiency, fixed asset age, current asset efficiency, liquidity position, and profit appropriation. The study finds that liquidity position and profitability of the industry are strong, ensuring good liquidity management and profits. However, dividend payments are lower than desired by investors. Overall financial position could be improved by maximizing assets and minimizing liabilities. The analysis identifies strengths and weaknesses within the paper industry.
Dedication,Letter of submission,Executive summary-" Financial Performance Ana...Md. Shohel Rana
This document is an internship report on the financial performance analysis of Sonali Bank Limited from 2012-2016. It includes sections on the background of Sonali Bank and the internship, an overview of the bank, analysis of key financial ratios, and recommendations. The main purpose is to analyze SBL's financial performance by examining ratios related to profitability, liquidity, leverage, and activity. While some ratios indicate positive performance, others like debt ratio, times interest earned ratio, and return on assets and equity require closer investigation. Overall, the analysis finds room for structural, technological and management improvements at SBL to enhance efficiency and better serve customers and the country's economic development.
Formulation of corporate governance index for banks in indiaAlexander Decker
This document discusses the formulation of a Corporate Governance Index for banks in India. It first reviews literature on corporate governance in financial institutions globally and in India. It explores factors critical for evaluating corporate governance in banks, such as board practices, risk management, disclosure, and compensation. The paper then develops a Corporate Governance Index for Indian banks consisting of factors like the board, audit committee, related party transactions, and disclosures. It assigns scores to sub-elements of each factor based on literature. The resulting index is intended to provide a guideline for assessing corporate governance quality in Indian banks.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
This presentation summarizes the financial analysis of United Commercial Bank Limited (UCBL) over a five year period from 2010-2014. It includes an analysis of UCBL's current ratio, debt ratio, net profit margin, return on assets, return on equity, and earnings per share over this time period. It also provides a comparative analysis of UCBL's performance versus industry averages for return on assets and return on equity. Major findings are that UCBL has maintained a stable current ratio and lower cost to income ratio compared to industry averages. The presentation concludes with recommendations to UCBL such as maintaining their current ratio and developing their information systems.
This document appears to be an internship report submitted to a university professor. It includes standard components like a title page, letter of transmittal, declaration, approval, acknowledgements, executive summary, table of contents, and chapters on the history and overview of Pubali Bank Ltd, general banking activities, loans and advances, the author's learning experience, findings, and recommendations. The report examines the general banking operations of Pubali Bank Ltd's Mohammadpur branch in Dhaka, Bangladesh as part of the author's BBA program requirements.
This report summarizes M.A. Matin's internship at Pubali Bank Ltd's Principal Branch in Dhaka, Bangladesh. It provides an overview of Pubali Bank's vision, organizational structure, and the general banking, loans, and advances departments. As part of the internship, Matin assisted with account openings, check processing, local remittances like telegraphic transfers and demand drafts, loan applications and disbursements, and customer service. The report also identifies some challenges faced by the bank and provides recommendations to address them.
This document outlines a 4th grade history lesson plan about Spain's influence in California through the mission system. The lesson involves students role playing as Father Junipero Serra and California Indians. As Father Serra, the teacher will use a map to decide mission locations and discuss factors for their placement. Students will then make their own mission trail maps. For independent practice, students will write letters from the perspective of California Indians describing mission people and events. The lesson aims to demonstrate how the Spanish missions expanded Spain and Catholicism's influence through geographic placement and economic and religious activities. Student maps and letters will be assessed for understanding.
This document provides information for parents of students entering 5th grade at Timberview Middle School. It includes:
1) Contact information for the school administration and counselors.
2) Details about 5th grade class structure, including team teaching and elective rotations.
3) Information about lunch prices and requirements.
4) Upcoming events for incoming 5th graders like Hawk Camp and scheduling.
Mrs. Thompson welcomes students and parents back to second grade. She will send monthly newsletters with information about upcoming curriculum, activities, and calendar including days off. Parents are encouraged to contact Mrs. Thompson with any questions or concerns and volunteer in the classroom. The newsletter also includes forms, breakfast and lunch menus, and the August calendar with events like assemblies, field trips, and Friday fun days.
Living Planet Report 2012: Biodiversity, Biocapacity and Better Choices | Pub...ymontepara
The Living Planet Report 2012 documents declining trends in biodiversity and increasing human pressures on natural resources. The Living Planet Index shows a 30% decline in biodiversity globally since 1970 across terrestrial, freshwater and marine ecosystems. The report highlights the need to make better choices to place natural systems at the center of economies and lifestyles in order to reverse these trends and ensure a sustainable future for both nature and humanity.
The document defines bullying as written, verbal, or electronic expression, or physical conduct that occurs on school grounds or at school events and physically harms a student, damages property, or causes reasonable fear of harm. Bullying must be severe, persistent, or pervasive. It exploits an imbalance of power and interferes with education. Examples include threats, taunting, teasing, confinement, assault, theft, name-calling, rumor spreading, and destruction of property. The district also prohibits retaliation against anyone who reports or participates in a bullying investigation.
Financial appraisal of commercial banks in india a post reforms asessmentAlexander Decker
This document summarizes a research study analyzing the financial performance of commercial banks in India following economic reforms. It begins by providing background on the importance of banks in India's financial system and the transformation of banking since nationalization. The study aims to evaluate operational performance, profitability, and factors influencing efficiency for different bank groups from 1990-2010. Methodology includes analyzing secondary data from central bank and industry sources using statistical tools like correlation, regression, and factor analysis. An extensive literature review covers prior research on Indian bank profitability, productivity, and efficiency.
This document discusses banking sector reforms in India. It provides background on banking sector reforms initiated after 1991, including recommendations from the Narasimham Committee reports. The objectives of the study are outlined as having an overview of post-1991 reforms, evaluating the overall banking system scenario in India, and studying banking sector growth and performance. The structure of the Indian banking system is described, including the roles of public and private sector banks, regional rural banks, cooperative banks, and the Reserve Bank of India as the central bank and monetary authority.
This document contains details of a student project analyzing the financial statements of the top 3 Indian banks - SBI, ICICI, and PNB. It includes the student's name, roll number, project title, subject area, and guide's name. The project involves calculating and comparing various ratios such as profitability, leverage, payout, and liquidity ratios across the three banks. The objectives are to assess the banks' profitability, do comparative analysis between banks, and evaluate operational efficiency. The introduction provides background on banks' role in the economy. The literature review discusses previous research on analyzing banks' financial performance.
A Study on Factors Influencing the Financial Performance Analysis Selected Pr...Dr. Amarjeet Singh
The growth of a country's banking sector has a significant impact on its economic development. The banking sector plays a critical role in determining a country's economic future. A well-planned, structured, efficient, and viable banking system is an essential component of an economy's economic and social infrastructure. In modern society, a strong banking system is required because it meets the financial needs of the modern society. In a country's economy, the banking system plays a crucial role. Because it connects surplus and deficit economic agents, the bank is the most important financial intermediary in the economy. The banking system is regarded as the economy's lifeline. It meets the financial needs of commerce, industry, and agriculture. As a result, the country's development and the banking system are intertwined. They are critical in the mobilisation of savings and the distribution of credit to various sectors of the economy. India's private sector banks play a critical role in the country's economic development. So The financial performance of private sector banks must be evaluated carefully.
This document is the index page of a seminar report on analyzing the performance of public sector banks in India using the CAMEL framework. The index lists the following chapter titles: introduction, literature review, history of the CAMEL framework, industry profile of the banking sector in India, description of the CAMEL model, and conclusions. It provides a brief overview of the topics to be discussed in each chapter, including definitions of key terms like scheduled commercial banks. The industry profile section gives a high-level history of banking in India from 1786 to present day and describes the three phases of development and nationalization of banks.
ECONOMIC AND FINANCIAL ANALYSIS OF SBI AND BOB Jeetu Matta
This document provides an analysis of State Bank of India (SBI) and Bank of Baroda (BOB). It begins with an executive summary that outlines the objectives of the analysis, which are to examine different government norms, functions, risks, and strategies related to commercial banking in India. It also aims to analyze how economic issues affect the Indian banking sector. The document then provides detailed information on the introduction and functions of banks in India, types of bank accounts, an introduction to SBI and BOB, comparative analysis of banks and non-banking financial institutions, impact of mergers on cost efficiency, government policies related to SBI and BOB, risk management, effects of inflation on commercial banks, data analysis through financial ratios
A COMPARATIVE STUDY ON FINANCIAL PERFORMANCE OF PUBLIC SECTOR BANKS IN INDIA:...kishoremeghani
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.
A COMPARATIVE STUDY ON FINANCIAL PERFORMANCE OF PUBLIC SECTOR BANKS IN INDIA ...Simar Neasy
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CRYPTOCURRENCY: REVOLUTIONIZING THE FINANCIAL LANDSCAPE AND SHAPING THE FUTURE
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#### The Genesis of Cryptocurrency
The birth of Bitcoin marked the beginning of the cryptocurrency era. Unlike traditional currencies issued by governments and controlled by central banks, Bitcoin operates on a decentralized network using blockchain technology. This technology ensures transparency, security, and immutability of transactions, fundamentally challenging the centralized financial systems that have dominated for centuries.
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#### The Proliferation of Altcoins
Following Bitcoin's success, thousands of alternative cryptocurrencies, or altcoins, have emerged. Each of these altcoins aims to improve upon Bitcoin or serve specific purposes within the digital economy. Notable examples include Ethereum, which introduced smart contracts – self-executing contracts with the terms of the agreement
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1. Reforms In Indian Banking Sector - An Evaluative Study
of the Performance of Commercial Banks
Dr. D. Suryachandra Rao1
Introduction
sector banks unprofitable. The resultant ‘financial
repression’ led to the decline in productivity and
The financial development was given impetus
with the adoption of social control over banks in
efficiency and erosion of profitability of the banking
sector in general.
1967 and subsequently nationalsation of 14 major
scheduled banks in July 1969. Since then the
It is against the background of these
banking system has formed the core of the Indian
circumstances, that the development of a sound
financial system. In the three decades following
banking system was considered essential for the
the first round of nationalization (the second round
future growth of the financial system. Financial
consisted of 6 commercial banks in April, 1980),
sector reforms were initiated in the country in
aggregate deposits of scheduled commercial
1992 with a view to improving the efficiency in the
banks have increased at a compound annual
process of financial intermediation, enhancing the
average growth rate of 17.8 per cent during this
effectiveness in the conduct of monetary policy
period (1969 to1999), while bank credit expanded
and creating conducive environment for the
at the rate of 16.3 per cent per annum. With
integration of domestic financial sector with the
branches of more than 67,000 of which 48.7 per
global system.
cent being rural, touching the lives of millions of
people everyday, the Indian banking sector
Need for the Study
constitutes the most significant segment of the
financial system of India.
A sea change has taken place in the banking
environment since the initiation of reform process
Despite this commendable progress serious
in 1992-93. The period of little more than a
problems have emerged due to the reasons
decade witnessed remarkable changes in
beyond the control of banking sector. While
perceptions, policies and practices of banks. In
nationalization achieved the widening of the
the light of sweeping changes that have taken
banking industry in India, the task of deepening
place in banking policies and practices during
their services was still left unattended. By the
the last eleven years of reform period, it is thought
beginning of 1990, the social banking goals set
appropriate to evaluate the impact of reform
for the banking industry made most of the public
measures on the efficiency, profitability and overall
Associate Professor, Dept. of Management Studies, K.G.R.L College – P.G.Courses, Bhimavaram, West Godavari Dt.,
A.P, INDIA.1
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
115
2. performance of banks vis-à-vis bank groups in the
To make a comparative analysis of the
performance of public and private sector
commercial banks during the course of
implementation of banking sector reforms.
To examine the customers’ perception
towards the services offered by banks and
compare public and private sector banks’
service quality.
To suggest ways and means by which banks
can improve their operational and financial
performance to face the challenges of the
transition and change consequent to reforms
in Indian banking sector.
public and private sector since 1992-93 and also
to make a comparative analysis of performance
of bank groups in both quantitative and qualitative
aspects. Though recently a large number of
studies evaluating the performance of commercial
banks in the reform period have come up, yet,
certain important aspects remain untouched.
These studies by and large confined to economic
aspects of their performance i.e., profits alone
and socio-economic dimensions of their working
are altogether ignored. Moreover, in most of these
studies, analysis is based upon very limited
number of indicators, limited number of years and
Period of the Study
for limited banks and bank groups. Therefore,
against this background, it is thought desirable
The period of the study commences from
to take up a comprehensive study evaluating and
1992-93, the year in which reforms are initiated
comparing the performance of different aspects
to 2002-03 - a little more than a decade. The
of the domestic commercial banks in India.
period is again divided into three sub-periods to
take cognizance of important landmarks like the
Objectives of the Study
entry of new private sector banks, the data of
which is available from 1995-96 and policy
The major objective of the study is to
assess the impact of reform measures on the
efficiency, profitability and overall performance
of banks vis-à-vis bank groups in public and
changes and the reform measures suggested by
the Narasimham Committee-II (1998). The subperiods are: (a) 1992-93 to 1994-95 (b) 1996-97
to 1998-99 and (c) 2000-01 to 2002-03.
private sector during the period 1992-93.The
specific objectives of the study are:
To study the recommendations of
Narasimham Committee-I and II and analyse
their implications on banking sector.
Scope of the Study
The study includes all the 27 Public sector
banks operating in India. For analytical purpose,
the total 27 Public Sector Banks are divided into
116
To evaluate the relative changes in the
performance of various banks and bank
groups within the public and private sector
in selected aspects as a result of
implementation of reform measures.
3 groups: (i) State Bank of India (ii) Associate
banks of SBI and (iii) Nationalised banks. Out of
30 Private Sector Banks, which are operating in
the year 2003, only 24 are included in the study.
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
3. The total 24 private banks are divided into two
branch (BPB), 2) Operating expenses per branch
groups – (i) Old private sector banks (16) and (ii)
(OPB), 3) Profit per branch (PPB), 4) Business
New Private sector banks (8).Foreign banks are
per employee (BPE), 5) Establishment expenses
particularly excluded from the study, as they are
per employee (EPE), 6) Profit per employee
not strictly comparable with their Indian
(PPE), 7) Return on Assets (ROA), 8) Return on
counterparts. However, the Regional Rural banks
Equity (ROE), 9) Net-interest margin (Spread) as
(RRBs) are also excluded from the present study
a percentage to working funds (NIM), 10) Non-
as their operations are confined to target groups
interest income as a percentage to total income
in rural and semi-urban areas.
(NII) and 11) Credit-Deposit ratio (CDR). The study
evaluates the performance of Public and Private
Sources of Data
sector banks separately as a first step. The
The study relies on the secondary data
published by institutions and organizations
concerned with commercial banks.
The
publications of the Reserve Bank of India – Report
on Trend and Progress of Banking in India
(Annual), Banking Statistics, Report on Currency
and Finance (Annual), RBI Bulletins (Monthly) and
performance analysis is carried out in two ways
i) Time-series analysis. ii) Period-wise analysis.
The performance of public sector banks is
compared with that of private sector banks in each
area of the eleven indicators and then their
performance with regard to the adherence to
prudential norms relating to the asset
classification and capital adequacy during the
Hand Book of Statistics on Indian Economy and
study period is also made. Apart from the
Annual Reports of respective banks provided the
quantitative analysis, this study examines the
data. Data are also drawn from Economic Survey
Customers’ perception towards the services
of Government of India. Data published by the
offered by banks and compare Public and Private
Indian Banks’ Association in monthly bulletins;
Sector banks’ service quality as an ancillary to
in special issues, annual publications on
the main study. The statistical package
Performance Highlights of banks are the official
STATISTICA 5.5 versions is used for principal
sources of information.
component analysis and for calculation of linear
Methodology
The present study follows, with certain
growth rates and for other computations ‘Microsoft
Excel’ is used.
Scheme of the Study
modifications, the procedure adopted for
performance evaluation by ICRA Ltd., which was
The study comprises of seven chapters. The
commissioned for the purpose by Indian Banks’
first and introductory chapter describes briefly the
Association in 2002. The indicators used in the
theme of the study and need for the present study,
present study are as follows: 1) Business per
specific objectives of this study, hypothesis,
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
117
4. methodology and limitations. The second chapter
On the analysis of the performance of the
PSBs at branch level and at employee level
in efficiency revealed that their performance
in business, profits have increased but on
expenditure side, its performance is not that
good.
Performance of PSBs on profitability front
is good, especially in Return on Equity,
Return on Assets and Non Interest Income.
Spread has declined during the first three
years due to slashing down of interest rates.
It appears that all public sector banks have
not responded to the process of reforms in
the same degree and spirit. Some of them,
for instance, Oriental Bank of Commerce,
State Bank of Hyderabad and State Bank of
Patiala etc. recorded a marked
improvement, while other banks like UCO
Bank, United Bank of India, Central Bank of
India, Bank of India, Indian Overses Bank
and Punjab & Sind Bank failed to show
any significant improvement.
On the profitability front, Private Sector
Banks f ailed to put up consistent
performance. There is a growth in Return
on Assets, Return on Equity, Non-interest
Income and Credit-Deposit Ratio but Net
Interest Margin, on an average, declined
during the study period.
When the performance of PSBs and Private
Sector Banks is analysed in three specified
sub-periods, it is found that there is an
increase in majority of indicators as one
moves from one period to another.
The reform measures undoubtedly improved
the performance of Private Sector Banks in
terms of efficiency and profitability but all
reviews earlier research works on the topic both
in India and abroad. Chapter three gives historical
perspectives, progress of commercial banking in
India. The fourth chapter is divided into three
sections covering evolution of Public Sector
Banks in the first section whereas the second
section is performance analysis in terms of
efficiency and profitability indices of Public Sector
Banks for the entire study period and the third
section deals with period wise analyses of
performance of Public Sector Banks based on
grouping of banks using principle component
analysis. In the fifth chapter, performance
evaluation of private sector banks is divided into
three sections as was done in the previous
chapter. Sixth chapter comprises of three
sections. Section I, focuses on the relative
performance of the two groups of banks in terms
of selected parameters. Section-II examines how
far the stipulations relating to prudential norms
have been satisfied by the two groups of banks
whereas section-III is devoted to examine the
customer perception towards services offered by
banks and give a comparative view of public and
private sector banks’ service quality. The last
chapter provides conclusions of the study and
the suggestions that emanate from the study to
improve the performance of the commercial banks
in India.
Major Findings
The following findings emerge from the
evaluation of performance of public sector and
private sector banks based on data pertaining to
11 years of the study period.
118
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
5. banks did not respond in similar fashion.
Some of them are as for example; ICICI
Bank, HDFC Bank, IndusInd Bank Ltd., UTI
Bank, IDBI Bank and Bank of Punjab Ltd.,
showed a remarkable improvement while
others like Catholic Syrian Bank Ltd., Sangli
Bank Ltd., United Western Bank Ltd., Citi
Union Bank Ltd. and Dhanalakshmi Bank
Ltd., recorded an average improvement given
the same opportunity in the changed
environment.
A Comparison of the relative performance of
public and private sector banks reveals that
on an average, Private Sector Banks are
much a head of Public Sector Banks in
efficiency.
When the performance different bank groups
is considered, New Private Sector Banks is
better than that of Old Private Sector Banks
and even various groups of Public Sector
Banks as well. Because of its inherent
strength and image, SBI is much stronger
in efficiency than other groups of Public
Sector Banks.
their counterparts but also to different groups
of Public Sector Banks.
Consequent upon the introduction of
prudential norms relating to asset
classification, income recognition and
provisioning the most visible structural
change in the banking sector was
improvement in asset quality.
With the introduction of Capital to Risk
Weighted Asset Ratio norms in 1992,
significant improvements were noticed in the
capital position of banks.
When the service quality and customer
satisfaction of selected public ad private
sector banks were examined by undertaking
a survey, it is found that private sector banks
operating in Hyderabad and Secunderabad
prov ide better serv ice quality to its
customers as compared to public sector
banks.
Concluding Observations
Based on analysis and major findings, here
When the profitability of both the groups and
sub-groups is analysed, Private Sector
Banks, on an average, appeared to be better
than Public Sector Banks in all the
profitability indices except Net Interest
Margin. New Private Sector Banks and
State Bank of India continued to show better
results in most of the profitability indices.
An interesting feature is that the New Private
Sector Banks which have from their very start
rendered various types of fee based services
have been able to earn a higher percentage
of Non Interest Income compared not only
is a list of concluding observations.
The response of the banks to the reforms
has been impressive. The banks have been
adjusting very well to the new environment,
though gradually.
The reforms have not only enhanced the
opportunities for banks but at the same time
through challenges as well.
As a result of entry of new generation private
sector banks, the competitive pressures are
constantly on the increase.
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
119
6.
The profit performance has been varied
among different bank groups with respect
of individual banks as well. New private
sector banks have fared better than public
sector banks and old private sector banks.
to cope up with the challenges of the dynamic
banking environment.
There is shift of focus from process-based
management to risk based management.
The Interest rate spread has exhibited a
decline over the years in the case of different
groups of public sector banks and Indian
private sector banks.
The level of Non-Performing Assets of public
sector banks remained high; a noteworthy
development has been their significant
reduction in relation to net advances in
recent years.
The expectations of consumer have been
growing. Broadly, these expectations are
swift service with minimal response time,
efficient service delivery, tailor-made and
value-added products to suit specific needs,
hassle-free procedures and minimum
transaction costs, and pleasant and
personalized service.
The future strategies of banks should be to
earn more of ‘other income ‘and reduce
dependence of interest income.
To fulfill the expectations of customers, to
improve the profitability and efficiency, banks
should adopt latest and cost-effective
technology, because technology has
emerged as a strategic tool in the
operations of banks.
In the coming years, the key word is
marketing would be innovation. It would
become impossible to survive and prosper
unless organizational skills are effectively
channalised towards innovating new ideas,
new products, and new strategies for winning
over and retaining the customer.
Since the service sector in India started
contributing around 50 per cent to the Gross
Domestic Product, banks should explore the
possibilities to tap this sector.
Another area, which requires urgent
attention, is improving staff productivity
particularly in public sector banks. There
is need to downsize staff to cut high cost of
staff expenses. It is also necessary to
redistribute staff to strengthen the neglected
areas of marketing.
Since customers’ perception of banks’
products are influenced more by the quality
The Non-interest income of both public and
private sector banks exhibited an increase
during the period under study.
Without adversely affecting the quality of
services, the banks should device the
strategies to cut down and control the costs.
The financial health of banks improved due
to prescribed prudential norms. Almost all
banks improved their Capital adequacy and
Asset quality during the period of the study.
Suggestions
Indian banking needs to focus on the
following aspects and build required capabilities
120
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
7. of services associated with it than by the
physical product itself, banks have to
undertake a continuous process of
monitoring customers’ perceptions of service
quality, identifying the causes for service
quality shortfalls and taking appropriate
remedial action to improve quality.
There may be several reasons for the
indifferent behaviour of the staff towards the
customers like less number of staff, too
much of work, lack of training and orientation
etc. Whatever may be the reason, it is
certain that behaviour of the staff with the
customer needs improvement.
Majority of the customers especially from
public sectors banks strongly felt that the
system followed in the banks need a review
in term of simplifying various forms used and
procedures followed for sanctioning loan.
Total elimination of Non Performing Assets
is not possible in banking business owing
to externalities but their incidence can be
minimized. Sound credit appraisal, credit
risk evaluation and credit monitoring through
periodic interaction with borrower to find out
the end use of credit are some of the
measures to prevent the growth of Non
Performing Assets.
Journal of Contemporary Research in M anagement, Volume-1, No.1, 2 Jan - June 2007
121