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Comparison of Selected Public Sector Banks in Different Aspects by using CAGR Method
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Banking sector has a vital role in Indian economy and a great change came in it after nationalization. Nationwide, there are a number of branches of banks and financial institutions have opened. Presently banking sector is facing a high level competition. Banks or financial Institutions which have maximum profit are showing maximum growth rate. By optimization of the resources of banks, cost becomes minimum and profit becomes maximum. This manuscript is an effort to make a comparative study between SBI, PNB and OBC for total income, expenses, net profit, share capital, operating expenses, share holder funds, total reserves, earning per share, total liabilities, total assets and total investments from 2014-19. Year over Year (YOY) and Compound annual growth rate (CAGR) analytical methods are used. The main parameter of this study belongs to P&L and Balance-Sheet statement of the selected banks. This research paper will be very fruitful for banks, research scholars, investors (public), and society to understand about the above given parameters.
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This paper analyzes the effect of leverage financing on corporate performance using debt-equity, coverage ratios and earnings per share as proxies. The study is motivated by need to assess the extent to which leverage affects optimizes financing risk as well as maximize returns to shareholders in the Nigerian banking industry. The study made use of F-ratios, Durbin-Watson; Akaikeand Schwarz Information Criteria as well as to log likelihood parameters in arriving at conclusions. Though the results across banks studied shows mixed outcome, leverage financing was established as critical strategy for maximization of shareholders returns. The conclusion therefore is that in order to ensure that leverage financing leads to desired outcome businessorganisations must established their optimum level as well as strike a strategic balance with associated financing risk and returns to owners of the firm.
Sound financial health of a bank is the guarantee not only to its depositors but is equally significant for the shareholders, employees and whole economy as well. As a sequel to this maxim, efforts have been made from time to time, to measure the financial position of each bank and manage it efficiently and effectively. In this paper, an effort has been made to evaluate the financial performance of the two major banks operating in northern India .This evaluation has been done by using CAMEL Parameters, the latest model of financial analysis. Through this model, it is highlighted that the position of the banks under study is sound and satisfactory so far as their capital adequacy, asset quality, Management capability and liquidity is concerned.
Banks have invested heavily in developing online competence in the hope of attracting customers to the new, cheaper service channel. This research attempts to investigate customers' perception of different time usage of banking website services. This study adopts a convenient sampling strategy and chooses Northern Taiwan residents to be subjects. Research findings are as follows. It means two different types of customers(i.e., short-time usage, long-time usage online banking customers) have different value perceptions of exploration factor, security factor and specialty information service factor but similar evaluations of transaction technicalities factor, decision-making convenience factor and interactive interrogation factor. It implies that the utilitarian functions (transaction technicalities factor, decision-making convenience factor and interactive interrogation factor) are the essential website service for most online banking customers. The results show online banking services need to intensify the core functions and design these utilitarian features as effectively as possible to satisfy all online banking customers' need. On the other hand, providing better service on exploration and specialty information factor is more successful to keep and attract long-time usage online banking customers.
The Banking sector in Bangladesh is different from the banking as seen in other developed countries. This is one of the Major service sectors in Bangladesh economy, which divided into four categories of scheduled Banks. These are nationalized commercial Banks (NCBs), Government Owned Development Financial Institutions (DFIs), Private commercial Banks (PCBs), and Foreign Commercial Banks (FCBs). Performance of financial Institution is generally measured by applying quantitative techniques of financial measurement. It is a post – mortem examination techniques of achievement of a bank. Many Studies are conducted in different countries to judge the performance of their banking system using different statistical methods such as Data Envelopment Analysis (DEA) and the Stochastic Frontier Approach (SFA). The present Study is initiated a Comparative Study of Financial Performance of Banking Sector in Bangladesh using CAMELS rating system with 6562 Branches of 48 Banks in Bangladesh from Financial year 1999-2006. CAMELS rating system basically quantitative technique, is widely used for measuring performance of banks in Bangladesh. Accordingly CAMELS rating system shows that 03 banks was 01 or Strong, 31 banks were rated 02 or satisfactory, rating of 07 banks was 03 or Fair, 05 banks were rated 04 or Marginal and 02 banks got 05 or unsatisfactorily rating.01 NCB had unsatisfactorily rating and other 03 NCBs had marginal rating.
Banking in India is mature in terms of supply, product range and reach-even in rural India through rural banking and remote banking. In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets. The present research work analyses the overall financial performance of major private sector banks in India through application of CAMEL Model. Besides it also attempts to compare the performance of these Banks with the help of Composite Ranking Method.
Many observers have argued that the regulatory framework in place prior to the global financial crisis was deficient because it was largely "microprudential" in nature. A microprudential approach is one in which regulation is partial equilibrium in its conception and aimed at preventing the costly failure of individual financial institutions. By contrast, a "macroprudential" approach recognizes the importance of general equilibrium effects, and seeks to safeguard the financial system as a whole. In the aftermath of the crisis, there seems to be agreement among both academics and policymakers that financial regulation needs to move in a macroprudential direction. In this paper, we offer a detailed vision for how a macroprudential regime might be designed. Our prescriptions follow from a specific theory of how modern financial crises unfold and why both an unregulated financial system, as well as one based on capital rules that only apply to traditional banks, is likely to be fragile. We begin by identifying the key market failures at work: why individual financial firms, acting in their own interests, deviate from what a social planner would have them do. Next, we discuss a number of concrete steps to remedy these market failures. We conclude the paper by comparing our proposals to recent regulatory reforms in the United States and to proposed global banking reforms.
Comparative analysis of per share ratio of some selected Indian public sector banks
- S Gupta
Gupta, S, (2012). Comparative analysis of per share ratio of some
selected Indian public sector banks, International Journal of Research
in Commerce, Economics and Management, 2 (4), 89-96.
Analysis of leverage ratio in selected Indian public sector banks
- S Gupta
Gupta, S. (2012). Analysis of leverage ratio in selected Indian public
sector banks, Asian Journal of Management Research, 2 (4), 111-120.
The Turner Review: A regularity response to the global banking crists
F S A (U. K. Financial Srvices Authority) (2009), The Turner
Review: A regularity response to the global banking crists. London.