Performance Evaluation is one of the key features of any organization. Financial analysis is usually carried out to study the financial position of the company from the point of view of Shareholders, Debenture Holders, Customers, etc. The book has been written in accordance with the requirements of Students pursuing Masters or any research degree in the field of Commerce, Management or Banking Sector. This book is specifically for Researcher who wants to carry in depth research in the CAMEL approach. Present book is based on selected Indian Banks from Public, Private and Foreign sector banks. The book is divided into 5 chapters’ viz. Overview of Indian Banking Industry, Conceptual Framework of CAMEL Approach, Research Methodology, Analysis of Financial CAMEL Ratios and Findings and Conclusion.5735 Руб.
This book examines, using DEA, the productivity performance trends of the Indian commercial banks for the post transition period: 1997 – 2001. Our broad empirical findings are indicative in many ways. First, the increasing average annual trends in technical efficiency for all ownership groups indicate an affirmative gesture about the effect of the reform process on the performance of the Indian banking sector. Second, the higher cost efficiency accrual of private banks over nationalized banks indicate that nationalized banks, though old, do not reflect their learning experience in their cost minimizing behavior due to inefficiency factors arising from government ownership. This finding also highlights the possible stronger disciplining role played by the capital market indicating a strong link between market for corporate control and efficiency of private enterprise assumed by property right hypothesis. And, finally, concerning the scale elasticity behavior, the technology and market-based results differ significantly supporting the empirical distinction between returns to scale and economies of scale, often used interchangeably in the literature.4763 Руб.
Sound financial strength of a bank is the assurance & guarantee, not only to its depositors but is equally important for the shareholders, employees, stockholders and for the entire economy as well. Efforts have been made, from time to time, to evaluate the financial position of each bank to manage it efficiently and successfully. In this study, an effort has been made to assess the financial performance of the two major banking sectors i.e. Commercial banking sector and Islamic banking sector, operating in Pakistan. This assessment has been done by using CAMEL Parameters, which are Capital adequacy, Asset quality, Management capability, Earnings & profitability and Liquidity. CAMEL model is the most recent model of financial analysis. The objective of this research was to know about the financial health of the commercial banks vs. Islamic banks of Pakistan in the last 3 years (2007-09), to investigate and examine the financial performance of the banks under study, to carry out those factors which have led to the present financial performance and to propose measures, on the basis of the results of the study, to improve further the financial performance of the banks.6609 Руб.
In India, Commercial Banks are broadly divided into public sector, private sector and foreign banks. Public Sector Banks include the SBI and its associate banks numbering eight (8) besides nineteen (19) nationalised banks. Thus there are 28 public sector banks in India. The public sector commercial banks (PSCBs) have a wide network through out the country having large number of branches. It provides loans and advances to various categories of people under various schemes and these banks are very supportive to government for its development programs. In recent years, there have been considerable pressures on the profitability of banks. Profitability is considered as an index of financial health. Banks are urged to generate sufficient revenue to meet the rising cost of funds. Profitability is a key result area where performance and results directly and virtually affect the survival. Therefore, this study analyses the profitability performance of public sector commercial banks in India.5735 Руб.
Globalization of Indian Economy has made the whole economy open, which has more multinational player in the era of the financial services. This has resulted in to the emergence of the global investment in financial sector. Government has now open up the doors of investments especially in the area of banks and insurance, which leads to competitive environment for the present players. Merchant banking is a much desired innovative step undertaken by the commercial banks in India. The need for merchant banking was stressed by the Banking Commission (1972). According to the commission, merchant banking institutions are to offer fund based and non-fund based services like syndication of financing, promotion of projects, investment management and advisory services to medium and small savers and to provide funds and trusts to various types etc. Their main function is to guide the preparation, planning, evaluation and execution of projects which are helpful to the growth of industries. This dissertation will be helpful to the students as well as the professionals.4763 Руб.
The study was conducted to check the safety and soundness of commercial Banks of Pakistan. This study focused on six commercial banks; two from each area i.e. Domestic, International, and Islamic banks. CAMEL Framework was applied on the financial data for three years of selected banks to analyze them. These banks include the local conventional banks, local Islamic banks, and international banks operating in Pakistan. The final result shows that despite economic problems worldwide, Pakistan has a healthy and sound financial system to support its economy and commercial banks performance is good.4763 Руб.
The performance evaluation of Islamic commercial banks compared to conventional banks after the financial crisis is very crucial in order to assess their survival. Although the conventional banks still dominate the market share but sharia banks are expected to grow in the next 5-10 years by 10 percent. This study evaluates the interbank performance of Islamic commercial banks from 1999-2004 or after the financial crisis vis-a-vis interest based conventional banks in Indonesia. The performance of shariah banks have reached considerable standard in implementing their role as financial intermediaries in Indonesia. The Islamic interbank study found that Bank Muamalat Indonesia performed better in terms of profitability and liquidity. Meanwhile there is no significant difference in performance between Islamic commercial banks and conventional banks in Indonesia.The analysis should help shed some light on real performance of national banking industry in Indonesia after the financial crisis and should be especially useful to banking practitioners, policy makers as well as academicians.4763 Руб.
The book explains how interest rate risk exposure affects the financial performance of commercial banks in Uganda. The banking sector in Uganda is extremely exposed to various risk exposures in terms of volatility from exchange rates, currency fluctuations, oil prices shocks and inflation which later affects the lending activities of the banks. The purpose of the study was to highlight the key measures, strategies and best practices of minimizing risk exposures in the banking sector by practicing best risk management approaches in line with the international best practices of managing interest rate risks. The study has created avenues for discussion to the extent that the commercial banks in Uganda has achieved good sound and strong measures of the Camel rating risks measures of financial performance and risk reduction strategies in order to curb future risk exposures in the sector. We explore to encourage readers to compare our approach to bring in more insights to the banking sector best practices of interest rate risk management and best ways to sustain bank performance in the fragile environments especially financial crisis in the global financial markets and fragile economies3581 Руб.
This book examines impact of e-banking on the performance of banks operating to maximize profit. It covers adoption, acceptance and risks of adopting internet banking. The books also covers e-banking profit maximization theory developed by the author through empirical research on Nigerian Commercial Banks, using empirical data obtained for 12 years. Cost and revenue implications of adopting e-banking is addressed in this book.4850 Руб.
With economic and financial sector reforms introduced in India since the early 1990s, the operating environment for banks in India has undergone a rapid change. Foreign banks have been operating in India for more than a century and a half. The operations of FBs received a considerable boost during the post-reform era beginning with the year 1993. In the emerging financial and banking scenario of openness and promotion of greater economic efficiency, the need for an expanded role and operation of foreign banks has gained further backing in India. The policy stance towards foreign banks has greatly been liberalised and the latest in the series being the declaration of the ‘Road Map of FBs'' by the RBI implying completely new avenues for growth and different prototypes of representations in India. In this context, it would be important to assess the financial health of the foreign banks. The present study seeks to pinpoint the strength and weaknesses of the select foreign banks under study and to have comparisons with the domestic banks in terms of growth, profitability and operational efficiency.6668 Руб.
Regional Rural Banks – A Comparative Study is concerned with the problems that arise in attempting to discuss in details various tools and techniques which can be gainfully can be employed to solve the regional rural bank’s problems such as NPA’s, operational and managerial issues. The objectives of the book are; review the reforms of regional rural banks, study the performance RRBs at macro level, examine the financial performance and analyze the managerial performance of selected regional rural banks through CAMEL Model which is analytical and empirical in nature and finally made suggestions for sound and effective financial functioning of sample banks. The study, undoubtedly, unearthed the valuable conclusions based on the analytical approach and which would throw some light on a bunch of gains for making sound decisions, managerial performance and summary of conclusions and suggestions. The text is divided into six chapters dealing with aspects; as methodological issues, organization and Management of RRB’s including the provisions of reforms,the operational performance of RRBs at macro-level, measurement of financial soundness of the sample banks with the help of CAMEL Model6609 Руб.
This paper is analyzing the financial performance of selected Commercial Banks in Malaysia during the period of 2004-2008, during the financial crisis. It examines the impact of financial crisis to banks financial performance by employing the financial ratio analysis. The results indicate that that the selected commercial banks does not affected much by the financial crisis, it can be prove by finding results shows a significantly increase in the financial performance of commercial banks in Malaysia occurred during world economic turbulence. The paper is important to analyze the performances of commercial bank in Malaysia because the commercial banks are lending of economic growth in Malaysia. Thus the financial performances of commercial banks are positively reflected by the economic changes for the previous economic downturn but in the case of commercial banks in Malaysia, they are a slightly different. It shows that the financial crisis does not hit much to banking sector. This is proved by the statement issued by The Association of Banks in Malaysia (ABM) said that Malaysia’s banking sector remains strong and well capitalized despite the turmoil in the global financial markets.4763 Руб.
In 1992, the Reserve Bank of India launched banking sector reforms in India to create a more profitable, efficient, and sound banking system.The reforms include the competition enhancing reforms, reforms enhancing role of market forces, prudential reforms, supervisory reforms, institutional and legal reforms, reforms related to the customer service in banks, technological reforms, and the payment and settlement systems reforms.In the context of these banking sector reforms, the present book attempts to discuss the banking sector reforms in India and to analyze and compare the financial performance of commercial banks in India on various aspects such as profitability, liquidity, capital adequacy, assets quality, and off-balance sheet strength in post reforms era. Moreover, it also attempts to extract the financial ratios which significantly predict the financial performance of commercial banks.The book should be especially useful to banking officials, researchers in the area of banking and finance, stakeholders of commercial banks, or anyone else who is interested in understanding the dynamics of financial performance analysis.7678 Руб.
The present book is a revised version of an University Grants Commission sponsored research project titled "Operating Efficiency of Indian Commercial Banks in the reform Era. This study is the first attempt to use Free Disposal Hull Approach to study commercial bank efficiency in the Indian context. The study also used Data Envelopment Analysis for evaluating the performance of Indian commercial banks.3581 Руб.
Priority sector credit as become an object of importance for economical and social development of any country.It comprises Agricultural , Industrial and tertiary sectors.The books covers Priority sector credit by commercial banks in seven chapters. First chapter covers ,Historical resume of agricultural credit in India,Second chapter is devoted to present select review of literature, the third is devoted to present agricultural profile and credit structure, the fourth presents profile of sample villages, the fifth covers credit delivery mechanism and the sixth covers overdues and repayment behaviour of sample borrowers.The last chapter is devoted to present Summary of findings , suggestions and conclusions.Thus, the book is comprehensive and covers most of priority sector credit aspects.7588 Руб.
The financial performance of scheduled commercial banks in general and the Bank of India in particular is the focal theme of the present investigation. For this purpose, the study has been started from the basic things like definition and meaning of a bank, history of evolution of banking, important milestones in the growth of Indian banking, classification of banks, various committees worked on banking industry, structure and functions of the banking industry and the like, are examined in detail. Later the study has focused exclusively on the basic information on the Bank of India as it stood on the forefront of development.. In contrast, the present study focuses its attention on the financial performance of public sector banks in general and Bank of India in particular. The study, instead of taking a large number of parameters took only financial parameters to evaluate the efficiency of banks.8432 Руб.