New Dimensions Of Indian Banking
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New Dimensions Of Indian Banking
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Author : Ramashish Purvey
language : en
Publisher: Serials Publications
Release Date : 2010
New Dimensions Of Indian Banking written by Ramashish Purvey and has been published by Serials Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Banks and banking categories.
A well-sequenced and calibrated process of financial sector reforms introduced in the early 1990s has resulted in a competitive and resilient banking sector. The` total business` (deposits plus credit) of the Indian banking industry has gone up by more than seven times. Fifteen years of financial sector reforms have strengthened the bank`s balance sheet considerably. The `gross non-performing loans (GNPL) percentage` for banks in India have declined sharply from 15.7 per cent in 1996-97 to 2.7 per cent in 2006-07. The average` capital adequacy ratio` of the scheduled commercial banks stood at the healthy level of 12.3 per cent in 2006-07 (as against the regulatory minimum of9.0 per cent) despite a sharp upturn in the credit growth cycle during the last three years. IT has almost completely changed the look and feel of banking. A significant development in this regard is the adoption of Core Banking Solutions (CBS) by banks. The core activities, presently being outsourced by Indian Banks include hardware and software maintenance, hosting, management of data center operations, application support, disaster recovery facilities, management and monitoring, maintenance and management of ATM`s. Some of its emerging opportunities exist in areas of e-banking initiatives, e-commerce outsourcing, complete outsourcing of the IT function and outsourcing the entire ATM set-up and operation to a third party. Sin1ilarly, there is need to develop some visions for bank mergers and acquisition. At present, in India, most of the mergers in banking are based on expediency and to save some banks. In the emerging market scenario for survival and growth, it is critical for a bank to align its vision, mission, goals and for more and more interaction with customers to build customer relationship banking. The book will meet the growing interest of students, researchers, scholars, policy makers and general readers.
New Dimensions Of Monetary Management
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Author : R. J. Mody
language : en
Publisher: Delhi : Macmillan Company of India
Release Date : 1974
New Dimensions Of Monetary Management written by R. J. Mody and has been published by Delhi : Macmillan Company of India this book supported file pdf, txt, epub, kindle and other format this book has been release on 1974 with Credit categories.
On monetary policies in India, 1947-1967; a survey.
India S Banking And Financial Sector In The New Millennium
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Author : Raj Kapila
language : en
Publisher: Academic Foundation
Release Date : 2001
India S Banking And Financial Sector In The New Millennium written by Raj Kapila and has been published by Academic Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Business & Economics categories.
Eminent economists, financial experts, and top bankers are the authors of the essays collected within these two volumes, which present a concise and authoritative overview of some of the latest and the most challenging issues facing India's financial sector in the 21st century.
Modern Banking In India
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Author : R. K. Uppal
language : en
Publisher:
Release Date : 2009-01-01
Modern Banking In India written by R. K. Uppal and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-01 with Business & Economics categories.
The key objective of reforms in the banking sector in India since early 1990s has been to enhance the stability and efficiency of banks. The enactment of the Securitisation, Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 was an important landmark in the ongoing reforms in the financial sector. The Act enables the setting up of asset management companies, addressing the problem of non-performing assets (NPAs) of banks and financial institutions and enhancing creditor rights. The present volume contains 16 well-researched papers dealing with different aspects of current banking practices in India. The papers, authored by experts in the field, explain and evaluate Indian banking system in the liberalised regime and offer policy recommendations for improving efficiency of banks to achieve standards comparable to best international practices.
Deregulation And Efficiency Of Indian Banks
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Author : Sunil Kumar
language : en
Publisher: Springer Science & Business Media
Release Date : 2013-10-23
Deregulation And Efficiency Of Indian Banks written by Sunil Kumar and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-23 with Business & Economics categories.
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.
Financial System For Economic Development
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Author : R. S. Bhatt
language : en
Publisher:
Release Date : 1991
Financial System For Economic Development written by R. S. Bhatt and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Banks and banking categories.
In the Indian context.
Indian Banking Recent Reforms And Regulations
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Author : Katuri Nageswara Rao
language : en
Publisher:
Release Date : 2008-11-18
Indian Banking Recent Reforms And Regulations written by Katuri Nageswara Rao and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-11-18 with Banking law categories.
Indian Banking in the post-reforms period faces the principal challenges of convergence, consolidation and competition, besides financial inclusion. The ever rising forex reserves and the falling dollar add new dimensions to the external sector management
Financial Sector Of India
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Author : R. K. Uppal
language : en
Publisher:
Release Date : 2008
Financial Sector Of India written by R. K. Uppal and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
ABOUT THE BOOK 17 years of financial reforms in India have created a fairly sound framework for higher growth and integration with the world economy. Though the task is by no means complete, the groundwork that has been laid will allow us to move rapidly towards the financial architecture that is appropriate for a country of India?s size and aspirations. Financial markets and institutions need to evolve considerably in order to keep up with the requirements of Indian firms and Indian investors in coming years. The corporate bond market is moribund and will have to be revived and a number of missing markets will have to be created, including exchange traded interest rate and foreign exchange derivatives contracts. But even in markets that exist, apart from the equity market for large capitalization stock, the ability to trade consistently at low cost and the tendency of market prices to reflect fundamentals are typically low for most markets. The country has moved on to a higher growth trajectory. To sustain and accelerate the growth momentum, further reforms in the financial sector are called for including a robust infrastructure for credit and an effective regulatory framework This book contains 14 papers, authored by scholars in the field, which deal with various dimensions of emerging financial scenario in India. The book is topical and useful for a cross-section of readership. ABOUT THE AUTHOR Dr. R.K. Uppal did his M.A. in economics from Punjabi University, Patiala in 1986. Thereafter, he obtained M.Phil. degree from MDU, Rohtak in 1987 and Ph.D. degree from Punjabi University, Patiala in 2003. Specialising in banking and finance, Dr. Uppal has 11 books to his credit and has published 40 research papers on the subject in reputed national and international journals. He has also presented more than 35 research papers in national and international conferences in Hawaii, Indonesia, Finland, Costa Rica, Australia, London and the UK. Presently, he is head of the Department of Economics, DAV College, Malout, Punjab and Principal Investigator of a UGC-financed research project on Indian banking. He is also Director of an ICSSR sponsored major research project on Indian banking.
Indian Banking In Electronic Era
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Author : Sanjay Kaptan
language : en
Publisher: Sarup & Sons
Release Date : 2003
Indian Banking In Electronic Era written by Sanjay Kaptan and has been published by Sarup & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Electronic commerce categories.
Determinants Of Commercial Bank Interest Margins And Profitability
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Author : Asl? Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1998
Determinants Of Commercial Bank Interest Margins And Profitability written by Asl? Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Bancos comerciales categories.
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.