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A Comparative Analysis Of Non Performing Assets Npas Of Selected Commercial Banks In India
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Book Synopsis A Comparative Analysis of Non-Performing Assets (NPAs) of Selected Commercial Banks in India by : Dr Samir
Download or read book A Comparative Analysis of Non-Performing Assets (NPAs) of Selected Commercial Banks in India written by Dr Samir and published by . This book was released on 2015 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the introduction of international norms for income recognition, asset classification and provisioning in the banking sector, managing NPAs has emerged as one of the major challenges facing Indian banks. Banks today are judged not only on the basis of number of branches and volume of deposits but also on the basis of quality of assets. Non-performing assets constitute a major portfolio of the Banks portfolio and hence are an inevitable burden on the banking industry. NPAs adversely affect the profitability, liquidity and solvency of the banks. This paper analyses the position of NPAs in selected banks namely State Bank of India (SBI), Punjab National Bank (PNB) and Central Bank of India (CBI). It also highlights the policies pursued by the banks to tackle the NPAs and suggests a multi-pronged strategy for speedy recovery of NPAs in banking sector.
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 Comparative Analysis of Commercial Bank's Income in India by : Hem Shweta Rathore
Download or read book Comparative Analysis of Commercial Bank's Income in India written by Hem Shweta Rathore and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Purpose: Due to technological developments in information and communication, competition among Commercial Banks has increased. Hence, the variety and density of businesses & requirements of financial services are enforcing banks to start providing additional banking services to customers that can strengthen income generation. Sources of Commercial Bank's income are classified in two groups namely: Net Interest Income and Non-Interest Income. This study aims to inspect the contribution of Net-Interest and Non-Interest incomes in total income of selected Indian commercial banks.Methodology: Comparative analysis and trend analysis of both types of incomes are performed. On selected commercial banks & their relevant data for five years (2013-2017) are collected from the annual reports of respective banks.Findings: Percentage of net-interest income has reduced whereas the percentage of non-interest income has shown growth during the period of study. it is observed that the percentage of non-interest income is less than net-interest income in total income but altogether there are minimal expenditure incurred to earn non-interest income, which makes it more lucrative. Trend analysis displays that there is an upward increasing movement in case of non-interest income and downward decreasing movement in case of net-interest income.Value: Commercial banks' net-interest incomes are extremely depending on the movement of interest- rate & economic cycles whereas non-interest income offers diversification & better stability for commercial bank's revenues. Therefore, the study tries to explain that mingling net-interest with non-interest income will decrease the instability of incomes of Commercial Banks in India.
Book Synopsis A Comparative Study of Book Value Insolvency of Indian Commercial Banks by : Anita Makkar
Download or read book A Comparative Study of Book Value Insolvency of Indian Commercial Banks written by Anita Makkar and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study addresses the problem of book value insolvency by analyzing 47 Indian commercial banks (26 public sector and 21 private sector banks) over the period of 2006-07 to 2010-11. Book value insolvency score of banks is calculated using the Z-statistic, and further, the Z-statistic scores of public and private sector banks are compared. The study also analyzes selected internal determinants of book value insolvency. The results reveal that bank size is a major determinant that significantly affects the solvency of Indian commercial banks. On the other hand, it is found that increase in non-performing assets leads to high insolvency risk in Indian banks. The study concludes that public sector banks have efficient risk management and are safer than private sector banks.
Book Synopsis A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks by : Dr Preeti Sharma
Download or read book A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks written by Dr Preeti Sharma and published by . This book was released on 2017 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banks' credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bank"s account books, they adversely impact the working of economy. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.
Book Synopsis Financial Performance of Commercial Banks in India A Comparative Study of Selected Banks by : Chandan
Download or read book Financial Performance of Commercial Banks in India A Comparative Study of Selected Banks written by Chandan and published by . This book was released on 2022-09-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction 1. Context Building: One of the crucial macroeconomic areas, which has been at the center of the focus in India nearly for the past three decades, is the soundness and efficiency of the Indian banking system. It is now well recognized the world over that a well-functioning banking sector is a pivotal hinge on which hinges the stability of the financial system. The stability of the financial system defines the growth prospects of the economy and the pace of growth that could be realized. A greater realization of this fact in the post-1990 economic scenario has been keeping the Indian banking system at the center of the focus of the policy planners and Government. With the passage of time, the focus on the banking system is getting accentuated by two major factors- the growing universalization of banking operations and increasing internationalization of banking operations.
Book Synopsis Comparative Analysis of Axis Bank and Kotak Mahindra Bank With Reference to NPA, Profit and Advances by : Preeti Sharma
Download or read book Comparative Analysis of Axis Bank and Kotak Mahindra Bank With Reference to NPA, Profit and Advances written by Preeti Sharma and published by . This book was released on 2020 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: A well-built banking sector is significant for a prosperous economy. In a bank dominated economy such as India, the quality of assets of the banks is a crucial indicator of the financial health of the banking sector and hence, has important implications for the stability of the overall financial system. The loan portfolio held by banks mirrors the level of credit risk and efficiency in the allocation of bank funds. The general perception about a bank's health is greatly determined by the level of non performing assets (NPAs) held in its books. It is, therefore, not surprising that the current spurt in NPAs in banks has been drawing a lot of attention of the policy makers and academicians alike. The gross non-performing asset (GNPA) ratio inched to 4.45 per cent as on March 15 this year, as compared to 4.1 per cent in March 2014, and the NNPAs have also climbed up from 2.2 per cent in March 2014 to 2.36% this year according to the latest data released by the Reserve Bank of India (RBI). According to credit rating firm CRISIL (dated May 13, 2015), the gross NPAs ratio of banks are slated to grow at 0.20 percent to 4.5 percent by March 2016. In this direction present paper is undertaken to make the comparison of NPAs between Axis Bank and Kotak Mahindra Bank. NPAs have been analysed using Ratio method and selected statistical tool such as t-test.
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 NPAs of Indian Commercial Banks by : Gurmeet Singh
Download or read book NPAs of Indian Commercial Banks written by Gurmeet Singh and published by . This book was released on 2016 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Non-performing assets are the key factors to decide the financial health of Indian commercial banks. They affect the operational efficiency, which in turn influences the liquidity, efficiency, solvency and profitability position of the banks. The study investigates the relationships between the non-performing assets and six ratios representing liquidity, efficiency, solvency and profitability over the period 2005 to 2014. Johansen's co-integration test and vector error correction model have been applied to explore the long-run equilibrium relationship between NPAs and six variables under the study. The analysis reveals that the non-performing assets of the Indian commercial banks are negatively co-integrated with the liquidity, efficiency, solvency and profitability position of the banks and hence, a long-run equilibrium relationship exists between them. The results VECM revels that the relationship between NPA and profit per employee and return on equity is positive, while the relationship between the NPA and cash-deposit ratio, credit-deposit ratio, net interest margin and return on assets is negative. The findings from Granger causality based on the VECM indicate a bi-directional causality between non-performing assets and all the variables tested. It is observed that the financial health of the Indian commercial banks is significantly affected by the non performing assets.
Book Synopsis A Comparative Analysis of the Operating Efficiency of Indian Scheduled Commercial Banks by : Yashpal Singh
Download or read book A Comparative Analysis of the Operating Efficiency of Indian Scheduled Commercial Banks written by Yashpal Singh and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The objective of this paper is to analyze the operating efficiency of Indian scheduled commercial banks, using the data released by the Reserve Bank of India. For analyzing the performance of banks, various statistical methods such as average, standard deviation, standard error, lower bound and upper bound were used. In addition, ANOVA test was applied at 95% level of confidence for testing significant difference amongst the cost of fund, return on fund and operational efficiency through SPSS software. The study reveals that cost of fund of all the scheduled commercial banks was significantly different. Since the cost structure is different for the same work, it implies that the operational efficiency caused the difference and the foreign banks emerged as the most efficient financial institutions, followed by private and public sector banks. However, it was also observed that the difference was not significant in the case of return on advance, return on investment and return on fund. Moreover, foreign banks were found to be most efficient, followed by private sector and public sector banks.
Book Synopsis Managing Non-Performing Assets in Indian Public Sector Banks by : Sk Mujibar Rahaman
Download or read book Managing Non-Performing Assets in Indian Public Sector Banks written by Sk Mujibar Rahaman and published by Exceller Books. This book was released on 2022-09-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive coverage of a burning issue faced by the banking industry in India, namely, the problem of Non-Performing Assets (NPAs). The book elucidates the theoretical exposition of NPAs in the first instance. It also demystifies the trends in movement of NPAs and thereby expounds efficiency in NPA management by Public Sector Banks, PSBs, in India. Recognising the inevitable and festering nature of the problem, the author has come out, inter alia, with a data-driven approach to measure financial performance and thereby assessed impact of the problem on different performance areas of banks. The book also investigates the major factors causing the problem of NPAs of the Indian PSBs. Finally, the author provides certain recommendations for the banks and the government that can help manage NPAs and strengthen the banking industry in the country.
Download or read book SIMSARC 2018 written by Arti Chandani and published by European Alliance for Innovation. This book was released on 2019-02-09 with total page 501 pages. Available in PDF, EPUB and Kindle. Book excerpt: 4C’s; Communication, Commerce, Connectivity and Culture are the building blocks of an economy. How well an economy will grow or perform will depend on how strong these four pillars are. Communication leads to sharing of information among individuals. It is important for any business to have the right kind of communication channel. Commerce, provides goods and services for the society and its people. Connectivity provides the right infrastructure and system for those goods and services to reach the market. Lastly, culture helps to retain the indigenous value in those. SIMSARC 2018, organised by Symbiosis Institute of Management Studies, focussed on the aforementioned idea and invited eminent speakers from academia and industry, all over the world, to share their views on the importance of the 4Cs; Communication, Commerce, Connectivity and Culture for businesses and society. The conference had 4 sub-themes viz. Communication, Commerce, Connectivity and Culture which were the plenary sessions for the conference. The highlight of the “communication: Role of AI, Big Data and IoT in Business” track was the papers which were from broad range of Internet of things (IoT), big data, role of technology, Artificial Intelligence among other aspects of communication. The panel speakers gave insight as to how communication is important for business not only for across boundaries but within a country as well. Another session was on “Culture: An indigenous way” where speakers deliberated on the cultures prevailing in different organisations, countries and societies. From a ‘we together’ attitude in some country to a ‘me first’ attitude in the other, cultural similarities and dissimilarities across nations were discussed in this track. The session witnessed some relevant questions from the audience on issues of language barriers and its effect on businesses. Language and cultural barriers are something which are inevitable but one needs to be adoptive and should learn languages to mitigate these barriers. “Connectivity: Backbone for development” was another plenary discussion where increase in connectivity through various social media platforms such as Facebook, Twitter, WhatsApp was discussed and deliberated where the focus was whether human beings are still emotionally connected or not. The critical role of technology was emphasized along with importance of human to human interaction. No matter how much technology comes in play, human connections will never die as this was concluded by speakers as Technolgoy may not be able to take away the emotional connect. Another track, “Commerce: Fuel for economy” where the panellist spoke about growth, price discrimination, financial markets, inequality etc. Investor’s education is one of the most important aspect to take the investors to level where they understand financial market and this will help in investment activity in the market. Sustainability was another concern highlighted by the speakers and they pointed that policies should work towards attaining sustainability in the market and try to bridge the gap between skills and jobs available in the country. Researchers from all over the country, belonging to academic institutes and industry, presented their research ideas on the 4C’s. These research works ranged from digital transformation, IOT, team dynamics and organisation culture to infrastructural issues, e-commerce, banking and corporate governance, the research works presented covered a plethora of policy issues where each one of them is the need of the hour. The deliberations from renowned academicians who came from different parts of the world along with top industrialist, bureaucrats, entrepreneurs, NGOs immensely contributed to the existing bodies of work. They emphasized on the importance of right policies to promote communication, connectivity, facilitating commerce and preserving culture among societies. Overall, the conference witnessed a brainstorming session with scholars and experts and it surely did pave the way for future research.
Book Synopsis Corporate Governance and Bank Performance by :
Download or read book Corporate Governance and Bank Performance written by and published by World Bank Publications. This book was released on 2005 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract: "The authors jointly analyze the static, selection, and dynamic effects of domestic, foreign, and state ownership on bank performance. They argue that it is important to include indicators of all the relevant governance effects in the same model. "Nonrobustness" checks (which purposely exclude some indicators) support this argument. Using data from Argentina in the 1990s, their strongest and most robust results concern state ownership. State-owned banks have poor long-term performance (static effect), those undergoing privatization had particularly poor performance beforehand (selection effect), and these banks dramatically improved following privatization (dynamic effect. However, much of the measured improvement is likely due to placing nonperforming loans into residual entities, leaving "good" privatized banks."--World Bank web site.
Book Synopsis Multidisciplinary Approach in Research Area (Volume-6) by : Chief Editor- Biplab Auddya, Editor- Ramesh Banothu, Dr. C. Ramesh Kumar, G.Lakshmi Bhuvaneswari Devi, Dr.J.Ahamed Meeran, Dr. Bipin Namdev Bandekar, Varsha Burman
Download or read book Multidisciplinary Approach in Research Area (Volume-6) written by Chief Editor- Biplab Auddya, Editor- Ramesh Banothu, Dr. C. Ramesh Kumar, G.Lakshmi Bhuvaneswari Devi, Dr.J.Ahamed Meeran, Dr. Bipin Namdev Bandekar, Varsha Burman and published by The Hill Publication. This book was released on 2024-02-19 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Indian Financial Sector by : Rakesh Mohan
Download or read book Indian Financial Sector written by Rakesh Mohan and published by International Monetary Fund. This book was released on 2017-01-20 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper traces the story of Indian financial sector over the period 1950–2015. In identifying the trends and turns of Indian financial sector, the paper adopts a three period classification viz., (a) the 1950s and 1960s, which exhibited some elements of instability associated with laissez faire but underdeveloped banking; (b) the 1970s and 1980s that experienced the process of financial development across the country under government auspices, accompanied by a degree of financial repression; and (c) the period since the 1990s till date, that has been characterized by gradual and calibrated financial deepening and liberalization. Focusing more the third period, the paper argues that as a consequence of successive reforms over the past 25 years, there has been significant progress in making interest and exchange rates largely market determined, though the exchange rate regime remains one of managed float, and some interest rates remain administered. Considerable competition has been introduced in the banking sector through new private sector banks, but public sector banks continue have a dominant share in the market. Contractual savings systems have been improved, but pension funds in India are still in their infancy. Similarly, despite the introduction of new private sector insurance companies coverage of insurance can expand much further, which would also provide greater depth to the financial markets. The extent of development along all the segments of the financial market has not been uniform. While the equity market is quite developed, activities in the private debt market are predominantly confined to private placement form and continue to be limited to the bluechip companies. Going forward, the future areas for development in the Indian financial sector would include further reduction of public ownership in banks and insurance companies, expansion of the contractual savings system through more rapid expansion of the insurance and pension systems, greater spread of mutual funds, and development of institutional investors. It is only then that both the equity and debt markets will display greater breadth as well as depth, along with greater domestic liquidity. At the same time, while reforming the financial sector, the Indian authorities had to constantly keep the issues of equity and efficiency in mind.
Book Synopsis Managing Non-Performing Assets in Banks by : S.N Bidani
Download or read book Managing Non-Performing Assets in Banks written by S.N Bidani and published by . This book was released on 2005-03 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
