Suchergebnisse

In this study, we have analyzed the determinants of profitability of Indian Public Sector Banks which reveals four independent variables that affect the net profit: Non-performing assets, Credit Deposit Ratio, Net Interest Income and Operating Expenses. We have used the Multiple Regression Model for its analysis. We found out that, only two of these independent variables i.e. Credit Deposit Ratio and Net Interest Income affect the net profitability of Indian Public Sector Banks in a major way.

Banking sector in India has given a positive and encouraging response to the financial sector reforms, which were brought the Indian financial system closer to global standards. With the entry of new private banks and foreign banks has shaken up Public Sector Banks (PSBs) in the competitive changing financial scenario and have opened up opportunities for banks to expand their global presence through self-expansion, strategic alliances, etc. After the liberalization of the Indian economy, the Government has announced a number of reform measures based on the recommendation of the Narasimhan Committee to make the banking sector economically viable and competitively strong. The RBI has been introduced the concept of Non-Performing Asset (NP A) and certain norms with effect from 1.4.1992 which are useful not only to know the true financial position but also to take corrective steps for improving the performance of their loan portfolios. The issue of mounting NPAs is giving jitters to banking sector particularly in many a developing economy. This article attempts to focus on the asset-wise, sector-wise NP As and also examined the quality of loan assets as well as the distribution of PSBs by the ratio of net NP as to net Advances.

This paper contributes to the debate on public sector banks by suggesting several rationales for government ownership of banks in India. The paper then proceeds to argue that due to high economic costs, the current public sector banking system is unsustainable. Although a policy of wider private ownership was introduced in the 1990s, it is suggested that there are several prerequisites to be met before such a reform can be more fully implemented. It is argued that these prerequisites arise from the rationales for government ownership, and they include a credible bank regulatory regime, and government promotion of co‐operative banks and credit unions.

In the present study, an attempt is made to analyze the present position of capital adequacy of selected public sector banks in India. First section includes a brief review of some of the earlier studies. Second section covers the scope, objectives, hypothesis and research methodology. In third section, an attempt is made to analyze the capital adequacy of selected banks namely State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Bank of India (BOI) and Canara Bank (CB) in India by using CAMEL Model ratios for a period of 2012-13 to 2016-17. Fourth section covers the conclusion and limitations of the study. To achieve the objectives of the study, the use is made of secondary data collected mainly from Report on Trends and Progress of Banking in India, various journals such RBI Bulletin, IBA Bulletin, etc. To test the statistical significance of the results, one-way ANOVA technique has been used. The results of the study reveal that there is a significant difference in the capital adequacy ratio, ratio of advances to total assets, ratio of government securities to total investments and debt-equity ratio in the selected banks; therefore, null hypothesis is rejected

India with the initiation of a decade of economic and financial sector reforms has achieved high growth in an environment of macroeconomic and financial stability. Many factors like bargaining economy, financial sector reforms, rising investment, favorable regulatory climate and demographic profile have made India one of the fastest growing economies in the world. The economic policies of the government and the various economic factors are interconnected with financial intermediaries' nomenclature as banks. It is well known that a healthy banking sector is the bedrock of a stable financial system. Indian banking industry, being the largest and the most profitable industries in both the domestic and global markets is blessed with skilled man power, technology driven operations and a sound financial regulatory mechanism.