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Measurement Of Efficiency Of Banks In India
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Book Synopsis Assessing Performance of Banks in India Fifty Years After Nationalization by : Atanu Sengupta
Download or read book Assessing Performance of Banks in India Fifty Years After Nationalization written by Atanu Sengupta and published by Springer Nature. This book was released on 2020-04-21 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book assesses the performance of banks in India over the past several decades, and discusses their current status after fifty years of nationalization. The performance of different categories of banks is evaluated by employing both the traditional ratio analysis and more sophisticated efficiency techniques. The book also explores the market conditions under which Indian banks operate. Going beyond a formal banking study, the book also investigates the causes of the widespread presence of informal credit in parallel to its formal banking counterpart. This approach makes it more comprehensive, unique and closer to the real world. After 50 years of nationalization, India’s banking sector is at a crossroads, given the huge and unabated non-performing assets and talks of consolidation. This book, encompassing both the formal and the predominantly ‘trust-based’ informal credit system, provides essential insights for bankers and policymakers, which will be invaluable in their endeavours to implement meaningful changes. It may also spark new research in the fields of banking performance and efficiency analysis. Lastly, the book not only has significant implications for students of economics, banking, finance and management, but also offers an important resource to support training courses for banking personnel in India.
Book Synopsis Measurement of Efficiency of Banks in India by : Parida Tapas Kumar
Download or read book Measurement of Efficiency of Banks in India written by Parida Tapas Kumar and published by LAP Lambert Academic Publishing. This book was released on 2014-01 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking has experienced dramatic changes over the last decade. Deregulation, financial innovation and automation have been major forces impacting on the performance of the banking sector. In this context banks are become increasingly concerned about controlling & analyzing these costs & revenues, as well as measuring the risks taken to produce acceptable norms. Till now, the performance of banks has become a major concern of planners and policy makers in India.This book will give an insight to the operation of Indian Banks after the liberalization period.The efficiency scores are being measured through Data Envelopment Analysis technique.
Book Synopsis Deregulation and Efficiency of Indian Banks by : Sunil Kumar
Download or read book Deregulation and Efficiency of Indian Banks written by Sunil Kumar and published by Springer Science & Business Media. This book was released on 2013-10-23 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: The goal of this book is to assess the efficacy of India’s financial deregulation programme by analyzing the developments in cost efficiency and total factor productivity growth across different ownership types and size classes in the banking sector over the post-deregulation years. The work also gauges the impact of inclusion or exclusion of a proxy for non-traditional activities on the cost efficiency estimates for Indian banks, and ranking of distinct ownership groups. It also investigates the hitherto neglected aspect of the nature of returns-to-scale in the Indian banking industry. In addition, the work explores the key bank-specific factors that explain the inter-bank variations in efficiency and productivity growth. Overall, the empirical results of this work allow us to ascertain whether the gradualist approach to reforming the banking system in a developing economy like India has yielded the most significant policy goal of achieving efficiency and productivity gains. The authors believe that the findings of this book could give useful policy directions and suggestions to other developing economies that have embarked on a deregulation path or are contemplating doing so.
Book Synopsis Measurement of Efficiency of Top 12 Banks in India Using DuPont Analysis by : Vaishali Padake
Download or read book Measurement of Efficiency of Top 12 Banks in India Using DuPont Analysis written by Vaishali Padake and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Indian economic growth is largely supported by the banking sector. Profitability of a bank depends on the amount of capital available with the bank for business activities. Public sector banks are largely funded by the government and hence the equity component in the share capital is quite less than that of private sector banks. The question is how efficiently the capital is used. Are the profitability ratios true reflections of the performance of a bank? In the present paper, the top 12 banks that form the BSE Bankex are selected to study the performance of the banking sector in India in the last six years. The performance of the banks was studied using DuPont model, as DuPont analysis provides much deeper understanding on the efficiency of the bank. The findings reveal that the performance of the bank cannot be judged by profit or some ratios alone and that the banks that made more profits were not really efficient.
Book Synopsis Measurement of Revenue Efficiency of Scheduled Commercial Banks Across Ownership in India by : Aparna Mohindru
Download or read book Measurement of Revenue Efficiency of Scheduled Commercial Banks Across Ownership in India written by Aparna Mohindru and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The main aim of this paper is to assess the revenue efficiency scores of scheduled commercial banks in India categorized across bank ownership. The nature of Return to Scale (RTS) of public, private and foreign banks is also analyzed. The paper further identifies the number of banks operating as leaders and laggards in the banking sector according to revenue efficiency and its components. Revenue efficiency of banks is calculated by employing the non-parametric approach, namely, Data Envelopment Analysis (DEA). The efficiency scores have further been decomposed into technical and allocative efficiency. The differences in the efficiency scores across bank ownership pattern have also been examined by applying Panel Tobit Regression both over the reformatory as well as post-reform years of banking industry. Indian scheduled commercial banks, in all three sectors--public, private and foreign--have never achieved full revenue efficiency score of 1 in any of the years under study. The ownership-wise results for revenue efficiency and its components reveal that public sector banks are in the first position in reformatory era, followed by foreign banks and then private sector banks. In the post-reform period, private sector banks seemed to have picked up their performance in comparison to public and foreign banks, but the differences were insignificant as depicted by the results of Panel Tobit Regression.
Book Synopsis Efficiency Indicators of Commercial Banks in India by : Shefali Tiwari
Download or read book Efficiency Indicators of Commercial Banks in India written by Shefali Tiwari and published by LAP Lambert Academic Publishing. This book was released on 2015-03-05 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competition and efficiency are difficult if not impossible to observe directly, since comparative data on individual banks are rare and figures on the cost of individual banking products are generally unavailable to common man. The literature has tried to measure these variables through twenty three factors. The literature on this topic is enormous and this book provides a welcome synthesis. It outlines various non-structural approaches to efficiency measurement. The non-structural approach requires a choice of the underlying production factors of banking from which one can derive relative performance measures. Non-structural approaches simply relate to the use of accounting/financial ratios to measure bank performance. These accounting ratios are twenty three in number which are clubbed under five independent variables related to employees, operations, liquidity, profitability and per branch.
Book Synopsis Measurement of Efficiency Through Dupont Analysis by : Vaishali Padake
Download or read book Measurement of Efficiency Through Dupont Analysis written by Vaishali Padake and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Indian economic growth is largely supported by the banking sector. Profitability of a bank depends on the amount of capital available with the bank for business activities. Public sector banks are largely funded by the government and hence the equity component in the share capital is quite less than that of private sector banks. The question is how efficiently the capital is used? Are the profitability ratios true reflections of the performance of a bank? In the present paper, top 12 banks that form the BSE Bankex are selected to study the performance of the banking sector in India in the last three years and compares with the peer performance. The performance of the banks was studied using DuPont model as DuPont analysis provides much deeper understanding on the efficiency of the bank. The findings reveal that performance of the bank cannot be judged by the profit or some ratios alone. It provides information on bank's resources and its impact on business. The banks that made more profits were not really efficient.
Book Synopsis Liberalisation and Efficiency of Indian Commercial Banks by : H. P. Mahesh
Download or read book Liberalisation and Efficiency of Indian Commercial Banks written by H. P. Mahesh and published by . This book was released on 2006 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Introduction to Data Envelopment Analysis and Its Uses by : William W. Cooper
Download or read book Introduction to Data Envelopment Analysis and Its Uses written by William W. Cooper and published by Springer Science & Business Media. This book was released on 2006-03-20 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction to Data Envelopment Analysis and Its Uses: With DEA-Solver Software and References has been carefully designed by the authors to provide a systematic introduction to DEA and its uses as a multifaceted tool for evaluating problems in a variety of contexts. The authors have been involved in DEA's development from the beginning. William Cooper (with Abraham Charnes and Edwardo Rhodes) is a founder of DEA. Lawrence Seiford and Kaoru Tone have been actively involved as researchers and practitioners from its earliest beginnings. All have been deeply involved in uses of DEA in practical applications as well as in the development of its basic theory and methodologies. The result is a textbook grounded in authority, experience and substance.
Book Synopsis Operational Efficiency and Size of Commercial Banks by : Angana Deb
Download or read book Operational Efficiency and Size of Commercial Banks written by Angana Deb and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This study attempts to find out the association between the size of a bank and its efficiency on the basis of the Indian scheduled commercial banking sector for the time period 2006-2016. Size of banks has been measured by two variables - total asset of the bank and the number of branches of the bank. Operational efficiency has been estimated by applying the Data Envelopment Analysis. To check the robustness of our results, the study has been performed with respect to the cost efficiency of the banks as well. We found that in India, there is a strong positive association between the size of the bank and efficiency. Larger banks (measured in terms of log value of total asset and number of branches in the country) in India are more efficient both in terms of technical and cost efficiency. The study also revealed that the largesized public sector banks are the most efficient banks in spite of their large size both in terms of total asset and massive branch network across the country.
Book Synopsis An Innovative Method to Measure the Efficiency of Indian Commercial Banks - DEA Approach by : Subramanyam T
Download or read book An Innovative Method to Measure the Efficiency of Indian Commercial Banks - DEA Approach written by Subramanyam T and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study proposes a three stage data envelopment analysis model to assess the efficiency of Indian commercial banks. 65 commercial banks comprising public, private and foreign sector banks were evaluated. This study proposed a new methodology to evaluate the efficiency of banks. The performance indicator variable NPA has been used to identify the environment of a bank. The overall technical efficiency is decomposed to scale, environmental risk and pure technical efficiency. The empirical results reveal that public sector banks hurt more from environmental risk inefficiency.
Book Synopsis A Comparative Study on Measuring Relative Performance of Indian Banks by : Dr. Jayanta Kumar Nandi
Download or read book A Comparative Study on Measuring Relative Performance of Indian Banks written by Dr. Jayanta Kumar Nandi and published by GRIN Verlag. This book was released on 2020-11-05 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2009 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 9.8, University of Burdwan, language: English, abstract: The present study seeks to examine the trends in the financial performances of 15 banking companies, major players in the Indian money market, during the period 1996-97 to 2006-07. In this study 8 major public sector banks and 7 private sector banks in India have been selected. The performances of public sector banks have become more market driven with growing emphasis placed on profitability. Though there is a phenomenal development in both public and private sector banks in India after reforms yet the private sector is still lagging behind comparatively in this study. With the nationalization of the most of the major commercial banks in 1969, restrictions on entry and expansion of private and foreign banks were gradually increased. The Reserve Bank of India (RBI) also began enforcing uniform interest rates, spreads and service changes among nationalized banks. The success of our giant five year plan is dependent, among other things on the smooth and satisfactory performance of the role by banking industry of our country. Banks thus pay special attention in financing business of innovation for providing cheap and adequate credit. And this is done by different private and public sector banks in money market in our country. Since 1992-93, the structure of the Indian banking system has undergone significant changes in terms of scope, opportunities and operational buoyancy. The commercial banks have been facing and increasing degree of competition in the intermediation process from term lending institutions, non-banking intermediaries, chit funds and the capital market. Besides, new banking services like ATM and internet banking have been emerged due to the advancement of computers and information technology.
Book Synopsis Determinants of Commercial Bank Interest Margins and Profitability by : Asl? Demirgüç-Kunt
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.
Book Synopsis Financial Liberalisation and Bank Efficiency by : Ali Ataullah
Download or read book Financial Liberalisation and Bank Efficiency written by Ali Ataullah and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides a comparative analysis of the evolution of the technical efficiency of commercial banks in India and Pakistan during 1988-1998, a period characterised by far-reaching changes in the banking industry brought about by financial liberalisation. Data Envelopment Analysis is applied to two alternative input-output specifications to measure technical efficiency, and to decompose technical efficiency into its two components, pure technical efficiency and scale efficiency. We also check the consistency of our estimated efficiency scores by examining their relationship with three traditional non-frontier measures of bank performance. In addition, we examine the relationship between bank size and technical efficiency. We find that the overall technical efficiency of the banking industry of both countries improved gradually over the years, especially after 1995. Unlike public sector banks in India, public sector banks in Pakistan witnessed improvement in scale efficiency only. We also find that banks are relatively more efficient in generating earning assets than in generating income. We attribute this to the presence of high non-performing loans. In addition, we find that gap between the pure technical efficiency of different size groups has declined over the years.
Book Synopsis Efficiency Measurement of Indian Banking Sector by Using Data Envelopment Analysis by : Harendra Singh
Download or read book Efficiency Measurement of Indian Banking Sector by Using Data Envelopment Analysis written by Harendra Singh and published by . This book was released on 2016 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector has undergone several major transformations during the past few years. Numerous reformations, liberalizations, progressions in technology etc. has made the sector exclusively lucrative. This paper tries to assess the impact of these revolutions on the sector. Efficiency serves as one of the crucial indicator of the performance. The paper appraises by taking into consideration various efficiency factors to determine the efficiency of 18 different private and public sector banks against the independent output variables assets, profits and deposits. This study employed Data Envelopment Analysis model, a non-parametric technique to examine the efficiency score. Input oriented efficiency with constant return model has been operated. The results acquainted that SBI, IDBI, Canara and ICICI have sustained high efficiency score from the past 10 years, 2002-2011.
Book Synopsis A Fuzzy DEA Approach for Effectively Measuring the Efficiency of Indian Banks by : Manoj Kumar
Download or read book A Fuzzy DEA Approach for Effectively Measuring the Efficiency of Indian Banks written by Manoj Kumar and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Data Envelopment Analysis (DEA) is widely applied in evaluating the efficiency of banks since it is a method capable of evaluating the efficiency of decision-making units in utilizing multiple inputs to produce multiple outputs. However, some outputs of banks, in fact, possess fuzzy characteristics, while conventional DEA approach can only assess efficiency with a crisp value and is unable to evaluate imprecise data. Theoretically, the fuzzy DEA approach can evaluate banks' efficiency more realistically and accurately since it can take the fuzzy characteristics of inputs and/or outputs into consideration. This study adopts 48 Indian commercial banks as an empirical example to demonstrate the feasibility and the effectiveness in our proposed fuzzy DEA. The results show that the fuzzy DEA approach could not only effectively characterize uncertainty, but may also have a higher capability to discriminate banks' efficiency than the conventional DEA approach.
Book Synopsis Banking Reforms and Efficiency of Public Sector Banks in India by : Rachita Gulati
Download or read book Banking Reforms and Efficiency of Public Sector Banks in India written by Rachita Gulati and published by LAP Lambert Academic Publishing. This book was released on 2012 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book deals with the issue of convergence in efficiency levels among Indian public sector banks (PSBs) during the post-reforms. To accomplish the task of measuring technical efficiency for individual PSBs, we have used the increasing popular methodology of Data Envelopment Analysis. Further, we have utilized the traditional cross-sectional regression approach for investigating the presence of sigma- and beta-convergence in efficiency levels of PSBs. The empirical results indicate that the majority of PSBs have observed an ascent in technical efficiency during the post-reforms years. Further, the study confirms a presence of convergence phenomenon in the Indian public sector banking industry. This book will be useful for the research scholars intending to work on the efficiency and productivity analysis.
