Banking Reforms And Productivity In India

Author : Medha P. Tapiawala
Publisher : Unknown
Page : 226 pages
File Size : 48,9 Mb
Release : 2010-01-01
Category : Business & Economics
ISBN : 8177082485

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Banking Reforms and Productivity in India by Medha P. Tapiawala Pdf

Wide-ranging financial sector reforms have been undertaken in India -- since the initiation of economic reforms in early 1990s -- to improve financial intermediation and maintain financial stability. This process has now become more intensive with a focus on drawing appropriate lessons from the global financial crisis and putting in place a regulatory regime that is alert to possible build-up of financial imbalances. All commercial banks, including foreign banks in India, migrated to the Basel II framework by March 31, 2009. Keeping in view the significant developments in payment systems and the responsibility of Reserve Bank of India (RBI) with regard to regulation and supervision of payment systems, the Vision Document for the period 2009-12 was released on February 16, 2010. RBI's Vision Document provides the roadmap to ensure that all the payment and settlement systems operating in the country are safe, secure, sound, efficient, accessible and authorised. This book provides a vivid account of banking sector reforms in India during the recent past. More importantly, it provides empirical evidence -- in the backdrop of reforms -- of trends in the productivity of select banks in India.

Author : C. Rangarajan
Publisher : Institute of Southeast Asian Studies
Page : 78 pages
File Size : 45,9 Mb
Release : 2000
Category : Business & Economics
ISBN : 9812301097

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Structural Reforms in Industry, Banking and Finance by C. Rangarajan Pdf

The year 1991 marked an important watershed in the economic history of post-Independent India. The country went through a severe economic crisis triggered by a serious balance of payments situation. The crisis was converted into an opportunity to introduce some fundamental changes in the content and approach to economic policy. The purpose of this book is to detail the structural reform process undertaken by India and to evaluate its results. In the post-liberalization period, the country has moved to a higher growth path. Objective conditions exist for the economy to grow at a sustained rate of seven per cent. The slow growth in agriculture and the consequent impact of a slower decline in poverty reduction are areas of concern.

Author : Sunil Kumar,Rachita Gulati
Publisher : Springer Science & Business Media
Page : 340 pages
File Size : 51,7 Mb
Release : 2013-10-23
Category : Business & Economics
ISBN : 9788132215455

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Deregulation and Efficiency of Indian Banks by Sunil Kumar,Rachita Gulati Pdf

​ 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.

Author : R. K. Raul,Jaynal Uddin Ahmed
Publisher : Gyan Publishing House
Page : 332 pages
File Size : 45,8 Mb
Release : 2005
Category : Banks and banking
ISBN : 8178354098

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Public Sector Banks in India by R. K. Raul,Jaynal Uddin Ahmed Pdf

The present book examines the impact of Financial Reforms on the working of banking sector in general and Public Sector Banks in particular. In addition to assess multi-dimensional trend of banking sector, it examines the impact of Deregulation Policies on the Management of bank s resources. The book identifies many critical issues like determinants of Non-performing Assets, Profitability productivity of banks, mismatch of assets and liabilities and services rendered by banks particularly in the backward regions. The treatise embodies in it inter-intra banks and inter-intra regional, districts level variations. To encounter the objectives, appropriate hypothesis have been framed, statistical and financial techniques have been used to testify, the nature and problems of Public Sector vis-à-vis Private Sector and foreign banks. This book runs into ten chapters encompassing into different aspects of bank s performances with critical assessment in the context of reform package. The book will meet the growing interest of students, researchers, scholars, policymakers and general readers. It may be used as textbook for B.Com, B.B.A., M.B.A.; M.F.M. and M.A. (Eco.), M.Sc. (Eco.) courses.

Author : Anonim
Publisher : Unknown
Page : 160 pages
File Size : 48,6 Mb
Release : 2014
Category : Banks and banking
ISBN : 8183876595

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Impact of banking reforms on the profitability and productivity of banking in India : an analysis by Anonim Pdf

Author : J. K. Sengupta,C. Neogi
Publisher : Springer
Page : 264 pages
File Size : 47,7 Mb
Release : 2008-11-27
Category : Political Science
ISBN : 9780230228245

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India's New Economy by J. K. Sengupta,C. Neogi Pdf

This book examines India's new economy - its strengths, weaknesses and potential. The book covers three key areas of growth in India's economy - the IT (information technology) sector, export trade (with its externality effects) and the financial sector (in particular, banking reforms).

Author : T R Bishnoi,Sofia Devi
Publisher : Springer
Page : 241 pages
File Size : 44,6 Mb
Release : 2017-06-21
Category : Business & Economics
ISBN : 9783319556635

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Banking Reforms in India by T R Bishnoi,Sofia Devi Pdf

This book provides a historical evaluation of banking reforms and structural changes in India over the past 25 years. Chapters cover issues in consolidation and restructuring, competition and concentration, performance evaluation in terms of cost efficiency and productivity, profitability, non-performing assets and technology use. The authors use specific regression models to measure the impact of these reforms on bank performance during this period and assess whether or not the consolidation phase is now complete. This volume will be of interest to researchers and academicians interested in the financial history of Indian Banking reforms.

Author : R. K. Uppal
Publisher : Unknown
Page : 296 pages
File Size : 50,6 Mb
Release : 2008
Category : Business & Economics
ISBN : IND:30000124698360

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Indian Banking in the Globalised World by R. K. Uppal Pdf

ABOUT THE BOOK Banking sector reforms in India are aimed at induction of best international practices and technological changes for competing globally. The Reserve Bank of India (RBI) has time and again emphasised transparency, diversification of ownership and strong corporate governance to mitigate the prospects of systemic risks in the banking sector. Banking sector reforms have supported the transition of the Indian economy to a higher growth path, while significantly improving the stability of the financial system. In comparison with the pre-reform period, the Indian banking system today is more stable and efficient. However, the gains of the past decade need to be consolidated, so that these could be translated to drive the institutions, markets and practices into a mature financial system that can meet the challenges of globalisation. The banking system would, therefore, not only need to be stable, but also supportive of still higher levels of planned investments by channelling financial resources more efficiently from surplus to deficit sectors. Competitive pressures as well as prudential regulatory requirements have made banks risk-averse as reflected in their tendency to investment in relatively risk-free gilt instruments. The behaviour and strategies of banking business need changes in favour of risk-taking even while performing core activities. Also, there is a need to ensure long-term finance to support development and growth in the economy, even as restructuring takes place through mergers and universal banking. The present book addresses issues like Basel ? II Accord guidelines, second generation banking sector reforms, cost-benefit and productivity analysis of Indian banks, danger zone banks, privatisation and comparative efficiency of Indian banks and the recent reform measures. Vital statistics regarding the Indian banking sector and the recent Annual Policy Statement, 2008-09 of the RBI has also been discussed. 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.

Author : Mohan Prasad Shrivastava
Publisher : APH Publishing
Page : 444 pages
File Size : 47,9 Mb
Release : 2007
Category : Bank management
ISBN : 8131301591

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Banking Reforms and Globalisation by Mohan Prasad Shrivastava Pdf

Contributed articles with reference to India.

Author : Debaprosanna Nandy
Publisher : Universal-Publishers
Page : 128 pages
File Size : 42,8 Mb
Release : 2010-07-29
Category : Electronic
ISBN : 9781599423517

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Banking Sector Reforms in India and Performance Evaluation of Commercial Banks by Debaprosanna Nandy Pdf

The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.

Author : Pradip Kumar Biswas,Panchanan Das
Publisher : Springer
Page : 332 pages
File Size : 44,8 Mb
Release : 2019-08-09
Category : Business & Economics
ISBN : 9789811382697

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Indian Economy: Reforms and Development by Pradip Kumar Biswas,Panchanan Das Pdf

The book presents a comprehensive study of the impact of policy reforms on output, employment, and productivity growth across sectors of India since 1991. It showcases varied responses from different sectors as they faced different degrees of policy interventions, and challenges or opportunities as regards markets, technology, and availability of skills and other complementary resources. The book also discusses the contributions of the service sector on India’s GDP and employment. The book throws light on the phenomena of rising inequality and persistent poverty which continues to shadow and be a hallmark of post-reform India, despite high economic growth. It underlines the failure of these reforms to bring about major change in social and economic organizations and institutions. The book’s contents stress on the criticality of addressing these issues as they have a serious potential of jeopardizing the country’s ability to maintain high growth momentum. With these pertinent topics, the book would be of interest not only to the research community, but also to policy makers and practitioners of various sectors addressed here.

Author : N. A. Mujumdar
Publisher : Unknown
Page : 336 pages
File Size : 54,6 Mb
Release : 2002
Category : Banks and banking
ISBN : UOM:39015056115887

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Financial Sector Reforms and India's Economic Development by N. A. Mujumdar Pdf

Author : S. M. Jawed Akhtar,Md. Shabbir Alam
Publisher : Unknown
Page : 0 pages
File Size : 46,5 Mb
Release : 2011
Category : Banks and banking
ISBN : 8177082833

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Banking System in India by S. M. Jawed Akhtar,Md. Shabbir Alam Pdf

Prior to economic reforms initiated in early 1990s, the banking sector in India suffered from lack of competition, low capital base, inefficiency, and high intermediation costs. The banking industry - dominated by the public sector - was subject to a high degree of financial repression, characterized by administered interest rates and allocated credit. Reforms in India's commercial banking sector had two distinct phases. The first phase of reforms focused mainly on enabling and strengthening measures. The second phase of reforms placed greater emphasis on structural measures and improvement in standards of disclosure and levels of transparency in order to align India's standards with international best practices. Reforms have brought about considerable improvements, as reflected in various parameters relating to capital adequacy, asset quality, profitability, and operational efficiency. Although commercial banks still face the problem of overhang of non-performing assets, high spread, and low profitability in comparison with banks in other emerging market economies, India's reforms - which are examined in this book - have been successful in enhancing the performance of commercial banks in terms of both stability and efficiency parameters.

Author : Sonali Jain
Publisher : Unknown
Page : 0 pages
File Size : 48,8 Mb
Release : 2014
Category : Bank management
ISBN : 8177083910

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Banking Industry in India by Sonali Jain Pdf

Around the world, the banking industry has undergone a transformation since the early 1980s under the impact of deregulation, advances in information technology, and globalization. Although these developments have made institutions more efficient by lowering transaction costs, they have also challenged the traditional regulatory arrangements based on institutions. Prior to reforms initiated in 1991, the banking sector in India suffered from a lack of competition, low capital base, inefficiency, and high intermediation costs. Ever since bank nationalization of 1969, the banking sector had been dominated by the public sector, along with a high degree of financial repression characterized by administered interest rates. Banking sector reforms have supported the transition of the Indian economy to a higher growth path, while significantly improving the stability of the financial system. This book provides a vivid account of the evolution of the banking sector in India during the post-Independence period, with a focus on financial reforms initiated in 1991. The various dimensions of the banking industry that are covered include, inter alia: (a) the ownership and governance of banks, (b) the regulation and supervision of banks, (c) credit allocation policies, (d) customer services, and (e) internet banking.

Author : Uday Kumar Lal Das
Publisher : Deep and Deep Publications
Page : 242 pages
File Size : 53,7 Mb
Release : 2002
Category : Banks and banking
ISBN : 8176293822

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Banking Reforms and Lead Bank Scheme by Uday Kumar Lal Das Pdf

In Indian context.