Journal
| Title | A Comparative Study of the Performance of Hybrid Banks in India | |
| Author's Name | S.M.Tariq Zafar and S.M.Khalid | |
| ISSN | 0974-7281 | |
| Page(s) | 18-36 | |
| Volume No. | 4 | |
| Issue Month | july 2012 | |
| Keywords | ANOVA, CAR, CD ratio, NIM, NPAs, OPM, PSBs, RBI, ROA, Tier I&II | |
| Abstract | Abstract Performance evaluation of any industrial sector is a herculean task and requires judicious approach to justify factors involved. Sound financial health of nationalized banks reflects the overall strength which is significant for future growth, social confidence and global political dominance. To meet out the global industrialization and economic competition banks have to rely on social savings and investor risk taking attitude. Large chunk of the banks’ permanent investment depends upon equity deposits and its intrinsic value depends on overall economic factors. Profitability of bank, its growth rate, risk exposure, spread, economic environment and overall performance have direct impact on its survival. The liberalization of Indian economy invited global competition and due to which banking sector in India witnessed stiff competition and for survival it adopted tremendous changes in the use of technology in terms of new product and services customized as per the customer requirement and implemented new measures to increase total business and diversified their services as a corporate strategy to cater to various segments. In the light of these ever-growing developments a careful analysis of the profitability of Indian banking sector is inevitable. The present study attempts to analyze the performance of nine most preferred and trusted private and public sector Indian banks irrespective of their size; they are PNB, BOI, IDBI, Axis, IOB, Canara Bank, UBI, BOB and ICICI. The variables taken for the study are Operating Performance Ratios, Financial Ratios, and Efficiency Ratios and implemented two ways ANOVA. The study found that all the selected banks more or less are performing as per competitive standards, are following BASIL norms and are having upward growth trend. |
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