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Journal articles on the topic 'COMMERCIAL BANKS IN INDIA'

Author: Grafiati
Published: 10 November 2023

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1

R.ILAMATHI, R. ILAMATHI. "Role of Techology Development in Commercial Banks in India." Indian Journal of Applied Research 3, no. 9 (2011): 83–85. http://dx.doi.org/10.15373/2249555x/sept2013/26.

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Bhatia, Aparna, and Megha Mahendru. "Cost efficiency analysis of scheduled commercial banks: empirical evidence from India." Journal of Management Development 37, no. 7 (2018): 586–602. http://dx.doi.org/10.1108/jmd-01-2017-0037.

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Purpose The purpose of this paper is to analyze and evaluate cost efficiency (CE) scores of Indian Scheduled Commercial Banks (SCBs) in India over a period of 22 years, i.e. 1991–1992 to 2012–2013. Design/methodology/approach Data envelopment analysis (DEA) – a non-parametric approach is used to calculate efficiency scores of banks. Further the efficiency scores are decomposed into technical and allocative efficiency. The differences in the efficiency scores across ownership as well as across reformatory and post-reformatory era are examined by applying Panel Tobit Regression. Findings The pap
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Datar, M. K. "Liquidity Risk in Commercial Banks in India." Artha Vijnana: Journal of The Gokhale Institute of Politics and Economics 44, no. 1 (2002): 73. http://dx.doi.org/10.21648/arthavij/2002/v44/i1/115835.

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Sangeetha, R., and Chinu Moorarka. "Macroeconomic variables and Commercial banks in India." Asian Journal of Management 10, no. 1 (2019): 25. http://dx.doi.org/10.5958/2321-5763.2019.00005.2.

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Bhatia, Aparna, and Megha Mahendru. "Assessment of revenue efficiency of Indian scheduled commercial banks." International Journal of Law and Management 60, no. 6 (2018): 1234–54. http://dx.doi.org/10.1108/ijlma-04-2017-0084.

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Purpose This paper aims to endeavour to assess revenue efficiency (RE) scores of Scheduled Commercial Banks operating in India. Differences in RE are studied across varying ownership as well. The study also determines the nature of return to scale of Indian SCBs as whole as well as classified across ownership. Number of banks operating as leaders and laggards has also been calculated. Design/methodology/approach RE of banks is calculated by using the non-parametric approach, namely, data envelopment analysis (DEA). Further, the differences in the efficiency scores are examined by applying Pane
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Ibrahim, M. Syed. "Trend of Non-performing Assets (NPAS) of Indian Commercial Banks-An Analysis." International Journal of Advances in Management and Economics 8, no. 5 (2019): 01–07. http://dx.doi.org/10.31270/ijame/v08/i05/2019/1.

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Banking and financial institutions play a pivotal role in the development of an economy especially in the mobilization and allocation of resources. The sound financial position of a bank is the guarantee not only to its depositors but equally important for the whole economy of any country. Stability of banking sector is considered to be an essential aspect of any country in the world. The banks are lending funds as loans and advances to various sectors such as agriculture, industry, personal and housing and other to meet the productive use of these funds. In recent situations, the banks are fa
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Bhatia, Aparna, and Megha Mahendru. "Financial Efficiency Evaluation of Indian Scheduled Commercial Banks." Jindal Journal of Business Research 8, no. 1 (2019): 51–64. http://dx.doi.org/10.1177/2278682118823308.

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The main objective of the article is to analyze and evaluate cost, revenue and profit efficiency scores of Indian scheduled commercial banks (SCBs) in India during 1991–1992 till 2012–2013 by the application of data envelopment analysis (DEA)—a nonparametric approach. The results show that Indian SCBs have profit, revenue and cost efficiency of less than 1 during both the reformatory as well as post-reformatory era depicting that banks are not able to maximize their revenues and minimize their costs simultaneously in order to enhance their net effect. During reformatory and post-reformatory er
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Singh, Fulbag, and Manpreet Kaur. "Small and Medium Enterprises’ Awareness Regarding Export Credit Delivery System." Management and Labour Studies 39, no. 1 (2014): 63–79. http://dx.doi.org/10.1177/0258042x14535159.

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Reserve Bank of India (RBI) is a regulating authority for commercial banks. It takes care that consumer interest is not ignored in the greed of making profits by commercial banks. Hence, from time-to-time, it issues guidelines in the form of master circulars to commercial banks on various issues. Commercial banks are required to offer a number of financing products to exporters to meet their varying needs as per RBI guidelines. Exporters can get their finance in Indian rupee or in foreign currency as per their requirements. But as commercial banks are there to make profits, they may not be int
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Limbad, Shaileshkumar Jausukhbhai, and Vinod Patel. "Measuring Performance towards Customer Relationship Management Practices in Indian Banking Sector: Study of Conceptual Theories and Focus on Developing CRM Model." Cross Current International Journal of Economics, Management and Media Studies 1, no. 4 (2019): 87–93. http://dx.doi.org/10.36344/ccijemms.2019.v01i04.001.

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The intensive competition between retail banks in India and all the banks realized the needs for protecting existing customer base. Maintaining customer relation and build a loyalty has become a business strategy, and banks also realize that customer lifetime value identifies the value of a long-term relationship. This study mainly focused on types of CRM practices deployed in Indian banking sector and the changes needed with evaluation and cut throat competition. It helps to increase the ability to serves customer better and to improve the marketing productivity. It will also help to understa
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Babu, Dr O. Hari, A. Srinivasulu, and Dr R. V. S. S. Nagabhushana Rao. "Statistical Analysis of Priority Sector Credit By Commercial Banks in India." International Journal of Trend in Scientific Research and Development Volume-2, Issue-5 (2018): 253–60. http://dx.doi.org/10.31142/ijtsrd15812.

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11

Inoue, Takeshi. "Financial inclusion and poverty reduction in India." Journal of Financial Economic Policy 11, no. 1 (2019): 21–33. http://dx.doi.org/10.1108/jfep-01-2018-0012.

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Purpose This paper aims to investigate the impacts of financial development through commercial banks on poverty conditions in India. Design/methodology/approach Using unbalanced panel data for Indian states and union territories from 1973 to 2004, and applying the generalized method of moments estimation, the author estimates models in which the poverty ratio is explained by financial inclusion and financial deepening for public sector banks and private sector banks, respectively. Findings The results show that financial inclusion and deepening have statistically significant negative relations
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Dawar, Gaurav, and Swati Goyal. "OWNERSHIP STRUCTURE & RISK IN INDIAN BANKS: A COMPARISON OF PRIVATE AND PUBLIC BANKS." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 1 (2012): 7–12. http://dx.doi.org/10.24297/ijmit.v1i1.1453.

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Banking sector is one of dominant sector and represents growth and development of the economy. The sector has been one of the top performers in stock market. Indian Stock Market experienced great volatility during the period of 2007-2008. The study is about the ownership structure and risk in Indian banks which they encountered during the period of slow down in India. This paper examines the effect of ownership on performance and risk of commercial banks in India during the period 2000-2009. The study would examine whether there exists any significant difference in the performance and risk amo
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Sharifi, Sirus, Arunima Haldar, and S. V. D. Nageswara Rao. "The relationship between credit risk management and non-performing assets of commercial banks in India." Managerial Finance 45, no. 3 (2019): 399–412. http://dx.doi.org/10.1108/mf-06-2018-0259.

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Purpose The purpose of this paper is to examine the impact of credit risk components on the performance of credit risk management and the growth in non-performing assets (NPAs) of commercial banks in India. Design/methodology/approach The data are obtained from primary and secondary sources. The primary data are collected by administering questionnaire among risk managers of Indian banks. The secondary data on NPAs of Indian banks are from annual reports and Prowess database compiled by the Centre for Monitoring Indian Economy. Multiple linear regression is used to estimate the models for the
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Yuvaraja, U., B. Gururaja, and K. Sampreetha. "Development of Commercial Banks during Pre and Post Globalization Era in India: An Analysis." Shanlax International Journal of Arts, Science and Humanities 7, no. 1 (2019): 26–34. http://dx.doi.org/10.34293/sijash.v7i1.371.

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Banking is an old business and a central pillar of Indian society. Money lending activities in India had traced back to the Vedic period (according to Central Banking Enquiry Committee-1931). The professional banking system existed long ago- Manu Murthy, Kautilya’s Arthashastra- in India. Initial stage growth of Indian banks was very sluggish and also experienced episodic failure between 1913 and 1948. The banking sector in the pre-reform period was experienced poor performance and caught into deep crisis due to excessive loans in comparison to total deposits having a ratio more than 50 per ce
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Bhati, Shyam, Anura De Zoysa, and Wisuttorn Jitaree. "Factors affecting the liquidity of commercial banks in India: a longitudinal analysis." Banks and Bank Systems 14, no. 4 (2019): 78–88. http://dx.doi.org/10.21511/bbs.14(4).2019.08.

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This paper examines the long-term effect of various regulatory, bank-specific and macroeconomic factors on the determination of liquidity in Indian banks. For this purpose, the study uses a random effect panel data regression model and tests it with data on Indian banks for 21 years, covering the period from 1996 to 2016. The model considers the effect of regulatory factors, cash reserve ratio, and statutory liquidity, and incorporates four different liquidity ratios specific to the Indian banking scenario. The results of the analysis show contrasting relationships between the independent vari
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16

Bhatia, Aparna, and Megha Mahendru. "Revenue efficiency analysis of scheduled commercial banks in a dynamic environment." Indian Growth and Development Review 8, no. 2 (2015): 184–210. http://dx.doi.org/10.1108/igdr-04-2015-0015.

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Purpose – The paper aims to analyze the revenue efficiency (RE) of Scheduled Commercial Banks in India. The study also determines the nature of Return to Scale (RTS) of banks and thereby identifies the leaders and laggards in the Indian Banking Sector. Design/methodology/approach – RE of banks is calculated by using the non-parametric approach, namely, data envelopment analysis. Further, the efficiency scores are decomposed into technical and allocative efficiency. Findings – Public Sector Banks have higher RE as compared to their counterparts in private and foreign sectors. The choice of oper
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Mahendru, Megha, and Aparna Bhatia. "Cost, revenue and profit efficiency analysis of Indian scheduled commercial banks." International Journal of Law and Management 59, no. 3 (2017): 442–62. http://dx.doi.org/10.1108/ijlma-01-2016-0008.

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Purpose This paper aims to analyze the cost, revenue and profit efficiency performance of Indian scheduled commercial banks. The study also determines differences if any related to efficiency among banks on the basis of ownership pattern. Design/methodology/approach Cost, revenue and profit efficiency of banks is calculated by using the non-parametric approach, namely, data envelopment analysis. Further, the differences in the efficiency scores are examined by applying analysis of variance. Findings Indian scheduled commercial banks have not been able to maintain their input-output synchroniza
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18

Maji, Santi Gopal, and Utpal Kumar De. "Regulatory capital and risk of Indian banks: a simultaneous equation approach." Journal of Financial Economic Policy 7, no. 2 (2015): 140–56. http://dx.doi.org/10.1108/jfep-06-2014-0038.

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Purpose – This paper aims to examine the association between regulatory capital and risk of Indian commercial banks and the impacts of other relevant variables on them. Design/methodology/approach – The study is based on a secondary data set on Indian commercial banks collected from “Capitaline Plus” corporate database and annual reports of the respective banks. Total 41 major Indian banks (21 public and 20 private sector banks) are considered in this study. Here absolute values of capital and risk are used as dependent variables along with some relevant bank specific explanatory variables in
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19

Mohanty, Seba, and Jitendra Mahakud. "Causal Nexus Between Liquidity Creation and Bank Capital Ratio: Evidence from India." Margin: The Journal of Applied Economic Research 15, no. 2 (2021): 205–37. http://dx.doi.org/10.1177/0973801021990399.

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This study investigates the interrelationship between bank capital and liquidity creation in the Indian banking sector. The sample considers 68 commercial banks (public, private and foreign banks) operating in India during the period from 1996–1997 to 2013–2014. We employ the generalised method of moments technique in a Granger causality framework and find a bidirectional relationship between bank capital and liquidity creation for the entire sample. Our results support the financial fragility–crowding-out hypothesis, which suggests that Indian banks follow a fragile financial structure to max
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20

RAMACHANDRAN, Dr R. "PERFORMANCE EVALUATION OF MERGERS AND ACQUISITIONS OF SCHEDULED COMMERCIAL BANKS IN INDIA." YMER Digital 21, no. 03 (2022): 374–88. http://dx.doi.org/10.37896/ymer21.03/40.

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The purpose of this paper is to explore various motivations of Merger and Acquisitions activities in Indian banking sector. It is also compared pre and post-merger financial performance of merged banks with the help of financial parameters like net profit to total income, net profit to working capital, return on assets and return on equity which includes profitability analysis, current ratio and liquidity ratio which includes liquidity analysis. The study covers the area of performance evaluation of Merger and Acquisitions in Indian banking sector during the period from 1999-2000 to 2019-2020.
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Mani, Mukta, and Rachit Agarwal. "Payment Banks in India." International Journal of Asian Business and Information Management 13, no. 1 (2022): 1–15. http://dx.doi.org/10.4018/ijabim.297851.

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Payment banking system has been established in India with the main objective of financial inclusion and promotion of digital transactions. After 2 to 3 years of their coming into picture, the model is being criticized on various grounds. Studies imply that the payment banks are struggling to succeed because of tough competition with commercial banks and their basic structure. This study is an attempt to analyze the position of payment banks on the basis of customers perception. A primary survey has been carried out through a well-structured questionnaire. The results put forward that customers
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22

Budhedeo, Shradha H. "An Assessment of Profitability and Efficiency of Commercial Banks in India." Asian Journal of Managerial Science 7, no. 2 (2018): 47–53. http://dx.doi.org/10.51983/ajms-2018.7.2.1314.

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Efficiency and stability of the banking sector is a pre-requisite to economic growth of the nation. The banking industry has undergone phenomenal transformation over the past six decades since independence. Banks have shifted from traditional methods of banking to newer modern systems. This has led to impressive growth of commercial banks in India. In the year 2007, financial crisis loomed over the global economy with severe adverse effects on many western economies. In comparison, India stood poised as the fastest growing emerging market economy in the face of turmoil and pessimism. Although
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Kumar Basu, Udayan. "Banking in India." Foreign Trade Review 40, no. 2 (2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.

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Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, un
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Shetty, Chetan, and Anitha S. Yadav. "Impact of Financial Risks on the Profitability of Commercial Banks in India." Shanlax International Journal of Management 7, no. 1 (2019): 25–35. http://dx.doi.org/10.34293/management.v7i1.550.

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The Indian banking sector is exposed to various types of risks which arise from both the external and internal environments. Banks long-term sustainability and financial feasibility are vulnerable financial risk. Credit risk, operationalrisk, marketrisk, and liquidity risk stances a major challenge, despite growth in the banking system. This study examines the relationship between profitability and financial risks of 43 Indian commercial banks for the period of 11 years, (2008 to 2018). The quantitative research design was adopted in this study and the profitability measures that have been use
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ZHU, Nan, and Huajie ZHANG. "A Comparative Analysis of Operational Efficiency between Chinese and Indian Commercial Banks." Central European Review of Economics and Management 2, no. 3 (2018): 41. http://dx.doi.org/10.29015/cerem.535.

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Aim:The objective of this paper is to make comparative analysis on operational efficiency between Chinese and Indian commercial banks (CBs). Design / Research methods: Following the previous scholars’ study, two models with different sets of input and output variables have been used to show how efficiency scores vary with change in inputs and outputs. The efficiency scores are measured by using data envelopment analysis (DEA) approach. Conclusions / findings: The mean technical efficiency score of Chinese CBs is always relatively higher than the corresponding score of Indian CBs in 2012-2013,
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Krishnaswamy, Sai Preethi. "MACROECONOMIC FACTORS, CORRUPTION, NPAS IN 4 PUBLIC SECTOR BANKS: A CROSS STUDY." INFORMATION TECHNOLOGY IN INDUSTRY 9, no. 1 (2021): 766–72. http://dx.doi.org/10.17762/itii.v9i1.197.

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Banks play a vital role in economic development and growth of a country. A sound and healthy financial institution ensures overall stability of the system. Commercial and cooperative banks together constitute the Indian Banking System. Commercial Banks account for more than 90% of the banking sector’s assets. The public sector banks account for a substantial part of the banking activity in India. The growth in banking sector has been burdened and hindered by increasing non-performing assets. In this paper, we aim to understand the influence of macroeconomic factors such as GDP per capita, Real
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Bhattacharjee, Sudarshan, and Hariprasad Chic Govinda. "Commercial Banks’ Performance in India during Sub-Prime Meltdown." Asian Journal of Research in Banking and Finance 5, no. 6 (2015): 75. http://dx.doi.org/10.5958/2249-7323.2015.00074.7.

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Jha, Dilip Kumar. "Performance of commercial banks in current scenario in India." Asian Journal of Research in Banking and Finance 7, no. 4 (2017): 49. http://dx.doi.org/10.5958/2249-7323.2017.00020.7.

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Narayanaswamy, T., and A. P. Muthulakshmi. "Productivity and Cost Efficiency of Commercial Banks in India." Indian Journal of Finance 10, no. 1 (2016): 8. http://dx.doi.org/10.17010/ijf/2016/v10i1/85839.

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Singh, Harjinder. "Deregulation and Technical Efficiency of Commercial Banks in India." Asian Journal of Research in Business Economics and Management 5, no. 2 (2015): 64. http://dx.doi.org/10.5958/2249-7307.2015.00031.6.

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Tripathi, Dr Jai Prakash. "The Practices of HRM in Commercial Banks in India." IOSR Journal of Business and Management 19, no. 03 (2017): 43–46. http://dx.doi.org/10.9790/487x-1903014346.

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Venugopal, Nithin, and Benson Kunjukunju. "Corporate Social Responsibility Practices of Commercial Banks in India." HuSS: International Journal of Research in Humanities and Social Sciences 4, no. 2 (2017): 100. http://dx.doi.org/10.15613/hijrh/2017/v4i2/167548.

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Bajaj, Ritu, and Anshu . "A study on Factors affecting Financial performance of Indian Banking Sector." Journal of Business Management and Information Systems 7, no. 2 (2020): 9–16. http://dx.doi.org/10.48001/jbmis.2021.0702002.

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In India there are different sectors which play the major role of accelerator in the growth of Indian economy. In this study, the area of focus is financial transactions sector specially banking sector which plays a momentous role in the economic growth by regulating and controlling the demand for and supply of money. The Indian banking sector supports the fastest growing economy of the world but it is grappling with multiple challenges. This research work analyzes the different variables that affect the financial performance of scheduled commercial banks in India and establish the relationshi
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Mohanty, Shiba Prasad, Ashish Mahendra, and Santosh Gopalkrishnan. "“Soar” or “Sore”." International Journal of Information Technology Project Management 13, no. 3 (2022): 1–17. http://dx.doi.org/10.4018/ijitpm.313662.

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The study examines the factors affecting the performances of the Indian banking sector, especially after the global financial crisis. The sample constitutes a total of 33 scheduled commercial banks (SCBs) that were operative in India during the period extending from 2002 to 2016 by employing a panel data model. It also reports that leverage and management efficiency as internal determinants do have a significant impact, while inflation as an external determinant affects the bank's profitability. The Indian banking industry has been less affected by the influence of external factors as compared
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Sreekanth, P. V., and K. B. Kiran. "Adoption of Digital Financial Services and the Performance of Commercial Banks in India – A Camel Rating System Approach." Review of Finance and Banking 15, no. 1 (2023): 29–40. http://dx.doi.org/10.24818/rfb.15.01.03.

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This paper is dealing with the adoption of digital financial services on the performance of commercial banks in India. The study used camel rating system to measure pre and post adoption performance of commercial banks. The reports says that Indian banks are widely adopted digital financial services during the year 2012-13. Hence, 2004-05 to 2011-12 considered as pre adoption period and 2012-13 to 2019-20 considered as post adoption period for the data analysis. 44 banks were selected for the study based on the data availability. 15 camel ratios were identified and paired t-test used for analy
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Sreekanth, P. V., and K. B. Kiran. "Adoption of Digital Financial Services and the Performance of Commercial Banks in India – A Camel Rating System Approach." Review of Finance and Banking 15, no. 1 (2023): 29–40. http://dx.doi.org/10.24818/rfb.23.15.01.03.

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This paper is dealing with the adoption of digital financial services on the performance of commercial banks in India. The study used camel rating system to measure pre and post adoption performance of commercial banks. The reports says that Indian banks are widely adopted digital financial services during the year 2012-13. Hence, 2004-05 to 2011-12 considered as pre adoption period and 2012-13 to 2019-20 considered as post adoption period for the data analysis. 44 banks were selected for the study based on the data availability. 15 camel ratios were identified and paired t-test used for analy
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37

Swamy, Vighneswara. "Estimating the Basel III Capital Requirement for Indian Banks." Applied Economics Quarterly: Volume 64, Issue 3 64, no. 3 (2018): 253–77. http://dx.doi.org/10.3790/aeq.64.3.253.

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Abstract The study estimates the Basel-III capital requirement for Indian banks employing the methodology incorporating the reported tier-1, tier-2 capital, total capital and risk-weighted assets (RWAs) sourced from the Basel disclosures made by the banks on their websites. In order to understand the strategy and the response of different bank groups based on their ownership styles, this study, groups the banks into scheduled commercial banks, public sector banks group, and private banks and considers the data for the period 2002 – 2011. The results su
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Bansal, Monika, and Sneha . "A Study on Indian Rural Banking Industry - Issues and Challenges." International Journal of Advance Research and Innovation 2, no. 2 (2014): 256–61. http://dx.doi.org/10.51976/ijari.221434.

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Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainly focused upon the agro sector. Rural India contributes a major chunk to the economy every year. Today, commercial banks and Regional Rural Banks in India are touching every corner of the country and are extending a helping hand in the growth process of the rural sector in the country. To give this sector a stronghold on finance and to enable economic independence, rural banks have special offerings that extend credit facilities to small farmers, agricultural labors and cottage ind
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Aggarwal, Tanu, and Priya Solomon. "A study on the mediating effect of residential loans on total real estate loans of banks in India." Journal of Property Investment & Finance 37, no. 5 (2019): 455–69. http://dx.doi.org/10.1108/jpif-03-2019-0034.

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Purpose The purpose of this paper is to examine the impact of residential and commercial loans on total real estate sector loans by using partial least square–structured equation modelling (PL–SEM) method. The residential loans as a mediator have been used to know the mediation effect between commercial and total real estate loans of banks in India. The residential loans as a mediator govern the relationship between commercial loans and total real estate loans in India. Real estate sector development is a lucrative opportunity for India. The real estate sector plays a major role in shaping eco
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Ibrahim, P. A. "Commercial bank finance for SMEs and credit portfolio of commercial banks in India." International Journal of Indian Culture and Business Management 24, no. 1 (2021): 1. http://dx.doi.org/10.1504/ijicbm.2021.117885.

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Ibrahim, P. A. "Commercial bank finance for SMEs and credit portfolio of commercial banks in India." International Journal of Indian Culture and Business Management 24, no. 1 (2021): 1. http://dx.doi.org/10.1504/ijicbm.2021.117885.

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Ibrahim, P. A. "Commercial Bank Finance for SMEs and Credit Portfolio of Commercial Banks in India." International Journal of Indian Culture and Business Management 1, no. 1 (2020): 1. http://dx.doi.org/10.1504/ijicbm.2020.10034077.

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43

Bhattacharjee, Sourindra, Bhupat M. Desai, and Gopal Naik. "Viability of Rural Banking by the Nationalized Commercial Nationalized Commercial Banks in India." Indian Economic Journal 47, no. 1 (1999): 24–41. http://dx.doi.org/10.1177/0019466219990103.

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Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.

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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measur
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Bhattacharyya, Surajit, and Ankit Chatri. "Efficiency of Indian Commercial Banks." Indian Economic Journal 60, no. 3 (2012): 3–28. http://dx.doi.org/10.1177/0019466220120302.

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Ayyappan, S., and M. SakthiVadivel. "Financial Efficacy of Selected Public and Private Sector Banks in India." International Journal of Finance & Banking Studies (2147-4486) 2, no. 2 (2013): 26–31. http://dx.doi.org/10.20525/ijfbs.v2i2.143.

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The banks in India have over 67,000 branches located across the country. All these are classified into two major categories, nonscheduled banks and scheduled banks. Scheduled banks includes commercial banks and the co-operative banks. The public sector banks are accountable for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally with already existing public sector banks. so it is very essential to analyze how their financial performance is
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47

Bhatia, Aparna, and Megha Mahendru. "Cost Efficiency Vis-à-Vis Revenue Efficiency Analysis of Indian Scheduled Commercial Banks in a Dynamic Environment." NMIMS Management Review 29, no. 02 (2021): 53–72. http://dx.doi.org/10.53908/nmmr.290204.

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The paper endeavours to analyze Cost Efficiency vis-à-visRevenue Efficiency of Scheduled Commercial Banks (SCBs) as well as across ownership in India. Data Envelopment Analysis (DEA) has been employed to calculate the efficiency scores of SCBs over five points of time i.e. 2000-01, 2004-05, 2008- 09, 2012-13 and 2016-17. The differences in the efficiency scores are examined by applying Analysis of Variance (ANOVA). The results of Cost and Revenue Efficiency of Indian Scheduled Commercial Banks highlight that the highest level of inefficiency subsist on the cost side as Scheduled Commercial Ban
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48

Shanmugam, RM, and M. Chandran. "A relationship between service quality and customer satisfaction in e-banking services- a study with reference to commercial banks in Chennai City." International Journal of Professional Business Review 7, no. 3 (2022): e0490. http://dx.doi.org/10.26668/businessreview/2022.v7i3.0490.

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Purpose: This paper's main aim is to validate the service quality dimensions offered by commercial banks in the study area and the relationship between service quality dimensions and customer satisfaction provided by commercial banks. Theoretical Framework: In India, three categories of commercial banks are the public sector, private sector, and foreign banks. These banks have heavy competition among themselves in maximising their customer base. Design/Methodology/Approach: The researcher collected 600 responses through convenience sampling. Applied exploratory factor analysis, confirmatory fa
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Birajdar, Bhaskar. "Voyage of Indian Banking Sector: 1979-2007." Journal of Global Economy 6, no. 4 (2010): 243–52. http://dx.doi.org/10.1956/jge.v6i4.64.

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Observing through the voyage of India Banking Sector, it could be concluded that Indian banking system is operating under competitive state of affairs and earns revenues as if under monopolistic competition, despite not depending on traditional source of fund in the form of deposits as profitability, i.e., return on assets are increasing and approaching towards industry ratio. But still foreign banks functioning in India are on a higher plane with respect to its performance in comparison with other bank groups. Costs of deposits and return on advances of all scheduled commercial banks have dec
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Bi, Zohra, and Shyam Lal Dev Pandey. "COMPARISON OF PERFORMANCE OF MICROFINANCE INSTITUTIONS WITH COMMERCIAL BANKS IN INDIA." Australian Journal of Business and Management Research 01, no. 06 (2012): 110–20. http://dx.doi.org/10.52283/nswrca.ajbmr.20110106a12.

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Microfinance in India has been viewed as a development tool which would alleviate poverty and enhance growth of the country through financial inclusion. Out of 6 lakh villages in India, only approximately 50000 have access to finance. India is a country which has the highest number of households which are excluded from banking. With the Andhra crisis of microfinance institutions and issues that microfinance institutions have a mission drift, the aim of the paper is to study the performance and efficiency of microfinance. A sample of microfinance institutions in India have been selected based o
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