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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.
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Has Undertaken 10 Years Financial Data Of Selected Banks i.e. 2008-2017 for the Study.
This document discusses various models and CAMEL analysis that can be used to analyze the performance of banks. It describes the intermediation, production, and modern approaches to modeling banking. The CAMEL framework assesses banks based on Capital adequacy, Asset quality, Management, Earnings, and Liquidity. The document also discusses sensitivity analysis using 8 models with different input and output variables to evaluate the efficiency and productivity of Indian banks. The models use approaches like intermediation, production, and income and are tested using Spearman's correlation to identify the most appropriate model.
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.
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.
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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 analyzes the allocative efficiency of the Indian banking system after financial sector reforms were introduced in the early 1990s. It finds that the overall allocative efficiency of the banking system has almost doubled in the post-reform period from 1993-2001 compared to the pre-reform period of 1981-1992. However, allocative efficiency improved more for the services sector than for agriculture and industry across most states. The study also found improvements in overall allocative efficiency for the majority of individual states in the post-reform period.
This document is a project report on trend analysis of HDFC Ltd submitted for a Master's degree. It includes an introduction discussing trend analysis and its uses in business for revenue/cost analysis and investment analysis. It then provides context on the banking industry in India, from its origins in the 18th century to the modern system established and regulated by the Reserve Bank of India. The project report will analyze trends in HDFC to fulfill degree requirements.
A Dissertation Report On "Study Of Net Interest Margin {NIM} Of Selected INDIAN Public & Private Sector Banks"
Has Undertaken 10 Years Financial Data Of Selected Banks i.e. 2008-2017 for the Study.
This document summarizes research on bank profitability and efficiency in India and other countries. It discusses several studies that have analyzed the profitability and efficiency of Indian banks using different methods like DEA analysis and stochastic frontier analysis. The studies found that public sector banks were generally more efficient than foreign banks, which were slightly more efficient than private sector banks. Other key findings included declining efficiency of public sector banks over time, while foreign bank efficiency improved. The document also summarizes some international studies on the impact of deregulation on bank profitability efficiency in countries like Spain.
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.
The document provides an overview of the Indian banking sector and Catholic Syrian Bank. It discusses that the Indian banking sector is undergoing revolutionary changes following the 1991 Narasimham Committee reforms. It is adopting international best practices but state-dominated banks burdened with high NPAs will struggle to support infrastructure and development needs. The RBI deputy governor blamed rising NPAs in public sector banks on complacency and favoring large firms. The document then analyzes trends in NPAs at Catholic Syrian Bank over five years to evaluate the impact of credit appraisal practices. It also compares CSB's performance to peer banks and projects NPAs over the next three years. The analysis finds credit appraisal is just one factor for NPAs and various
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The document discusses the research methodology used for a study on consumer awareness of SBI Bank. It involved a survey of 150 respondents using a structured questionnaire. The objectives were to understand consumer preference for banks, awareness of SBI Bank's products and services, and to identify potential customers. A descriptive research design with cross-sectional approach was used. The study aims to help SBI Bank identify new customer segments and improve their services.
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Banking Sector Reforms And Their Impact On The Economy pptRishi Kumar
This document discusses banking sector reforms in India from 1991 to present. It summarizes the objectives of various committees established to recommend reforms to make the banking sector more effective and competitive. Key reforms included reducing statutory reserves, deregulating interest rates, improving transparency, and restructuring the banking system. The impacts of the reforms included changes to interest rates, inflation, GDP growth, and financial inclusion. Suggestions for further reforms include restructuring public sector banks, improving credit assessment, and diversifying bank services. The conclusion states that reforms are an ongoing process that help the banking sector adapt to changing needs and keep the economy functioning properly.
Financial analysis of “corporation bank” with special reference to coimbatore...Alexander Decker
This document analyzes the financial performance of Corporation Bank with reference to Coimbatore, Tamil Nadu from 2009-2013. It begins with an abstract stating that financial analysis provides insight into an organization's present and past performance.
The objectives of the study are outlined as: 1) To understand the profile and products/services of Corporation Bank 2) To identify the bank's financial strengths and weaknesses 3) To estimate future earnings using trend analysis.
Ratio analysis and trend analysis are used to analyze the bank's liquidity, profitability, and efficiency over the 5-year period. Key ratios examined include debt-equity ratio and current ratio. The analysis finds that debt-equity ratio decreased from 2009-2013,
This document is a project report submitted by Khandagale Devram Rishabh to VIVA Institute of Management & Research in partial fulfillment of the degree of Master of Management Studies. The project report analyzes the fundamental analysis of the banking sector of SBI and HDFC Bank through studying their history, products/services, market share, balance sheets, and profit and loss statements over two years. It also performs ratio analysis and comparison between the two banks. The objective is to fundamentally analyze the banking sector companies.
This document is a project report submitted by Paul Jose in partial fulfillment of the requirements for a Master's degree in Business Administration from Sri Venkateswara College of Computer Applications and Management. The project analyzes the capital structure of Federal Bank Aluva over a 5 year period using ratio analysis and financial statement trends. The report includes an introduction, industry profile of banking in India, company profile of Federal Bank, literature review, findings and suggestions.
Study of of working capital management in kotak mahindra bankManali Tendolkar
This project is base on day to day transaction on the business and how they manage it. Also given a information about the advantages growth and development in financial sector and the economy.
052 om c-dhanapal&gganesan-measuring_operational_efficiency_of (1) (1)Anil Aks
This document summarizes a study that measures the operational efficiency of public sector banks in India. It analyzes factors that influence banks' profitability using regression analysis. The study finds that non-performing assets, total income, total expenses, and net interest margin are significant factors. It also uses data envelopment analysis to benchmark the relative efficiency of 21 public sector banks over 5 years. The results show that return on assets, net interest margin, non-performing loans, cost-to-income ratio, advances to deposits ratio, and capital adequacy ratio influence banks' profitability.
This document provides an overview of electronic payment and e-finance systems in India. It discusses various electronic funds transfer systems used by banks in India such as Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), Electronic Clearing System (ECS), Immediate Payment Service (IMPS), and core banking solutions that allow customers to access accounts from any branch. It also mentions communication networks like INFINET that connect banks and the role of SWIFT and other international payment systems in facilitating domestic and international funds transfers.
Emerging Global Strategies for Indian Industry Bhadrappa Haralayya.pdfDR BHADRAPPA HARALAYYA
- The document analyzes the weak form efficiency of the Indian stock market, with a specific focus on the National Stock Exchange (NSE).
- It employs statistical tests like run tests and autocorrelation tests on monthly closing index values from 2000-2013 to analyze randomness and independence of stock price changes over time.
- The results of the statistical tests show that the NSE is inefficient in the weak form, as past stock price data can be used to predict future price movements, violating the random walk hypothesis of weak form efficiency.
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