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Author : Dr. Ramchandra Patil
Publisher : Lulu.com
Page : 313 pages
File Size : 43,8 Mb
Release : 2024-07-03
Category : Electronic
ISBN : 9780359414819
Author : B. Rangaswamy
Publisher : Publications Division Ministry of Information & Broadcasting
Page : 128 pages
File Size : 43,7 Mb
Release : 2016-09-11
Category : Electronic
ISBN : 9788123024103
This book assesses how public sector banks have been playing a pivotal role in our lives, since the past several decades.
Author : Dr. Sanjeev Kumar
Publisher : EduPedia Publications (P) Ltd
Page : 186 pages
File Size : 45,6 Mb
Release : 2017-01-13
Category : Electronic
ISBN : 9788193339312
The book entitled “Priority Sector Lending in India by Public Sector Banks- A Study of Pre and Post-Reform Period” is a Ph.D. thesis evaluated by Dr. Tapan Choure, Professor and Head, Vikram University, Ujjain (MP) and Dr. Shakuntla Gupta, Professor, Punjabi University Patiala (Punjab). Both these evaluators had recommended the publication of the thesis in its present form. Two research papers have been published from this thesis in the journal of “the Finance-India” and the Indian Journal of Economics. Commercial banks are supposed to play an important role in achieving the economic development by providing effective institutional credit support to various regions/sectors/sections. Banking has been viewed as a catalytic agent that must develop and support not only single element of national economy, but, also provide an effective link between the productive, distributive and consumption side of it. One of the most important objective of government policies since bank nationalization has been to extend and expand credit not only to those sectors which were of crucial importance in terms of their contribution to national income and employment, but, also to those sectors which have been severely neglected in terms of access to institutional credit. Those sectors which were to be initially identified for this purpose were agriculture, small scale industries and self employed persons. These sectors were accorded priority status in credit allocation by the banks. In fact, priority sector is still the butter and bread, both, literally and figuratively of Indian economic growth. Therefore, they require a special status. Though, there is no known formal decision by the government regarding curtailment in priority sector credit, yet, serious attempts have been in recent years to dilute the norms of priority sector lending. New banking culture after banking sector reforms is set to focus on credit to customer durables’, to corporate allied and to capital market related activities. Since the aim of banking reforms is to make public sector banking more proficient in treasury operations, the importance of investing in priority sector seems to have lost its relevance for banks. The present study seeks to analyze the growth and structure of priority sector lending in different states during the pre and post-reform period in India. Further, an attempt is also made to probe the trends in disparities in priority sector lending across the selected states of India. The scope of the study is confined to priority sector lending by the public sector banks only. Since public sector banks represent majority of the commercial banking activities in India, the overall trend can be easily determined by analyzing the data of priority sector lending of the public sector banks alone. Public sector banks are those, which are included in the second schedule of Reserve Bank of India Act 1934. However, the regional rural banks are not included in the present study. The main objective of the study is to analyze the level and structure of priority sector lending in India during the pre and post-reform period. How with economic reforms, the growth and composition of priority sector lending has been affected needs to be analyzed. Further, to what extent the different stipulated targets of priority sector lending are met also remains to be examined. Whether, priority sector credit is evenly disbursed across different states/sectors or is confined to few states/sectors remain to be studied. So, the present study is an attempt to evaluate the performance of public sector banks during the pre and post-reform period in priority sector lending. The study comprises eight chapters in all. The first chapter contains the role of commercial banks in the process of economic development and the genesis of priority sector lending in India. Also, various issues relating to non-performing assets (NPAs) in priority sector lending is discussed in this chapter. Further, a brief review of literature on priority sector lending by the public sector banks has been presented in the second chapter. The third chapter outlines the need, scope, objectives, hypothesis, limitations and methods of investigations used in the study. In the fourth and fifth chapter, the performance of public sector banks in financing agriculture and small scale industries has been analyzed respectively. In the sixth chapter, the performance of banks with respect to ‘other priority sector’ has been evaluated. In the seventh chapter, the performance of public sector banks with respect to overall priority sector lending has been examined. The growth and structure of NPAs in priority sector lending are also analyzed in the seventh chapter. Finally, summing up of the findings and conclusions of the present study and suggestions for improving the quality of priority sector lending by public sector banks finds a place in the eighth (last) chapter of the study.
Author : R. K. Raul,Jaynal Uddin Ahmed
Publisher : Gyan Publishing House
Page : 332 pages
File Size : 49,8 Mb
Release : 2005
Category : Banks and banking
ISBN : 8178354098
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 : M. Lakshmi Narasaiah
Publisher : Discovery Publishing House
Page : 100 pages
File Size : 40,6 Mb
Release : 1999
Category : Agricultural credit
ISBN : 8171414672
Author : EduGorilla Prep Experts
Publisher : EduGorilla Community Pvt. Ltd.
Page : 614 pages
File Size : 45,6 Mb
Release : 2022-08-03
Category : Education
ISBN : 8210379456XXX
• Best Selling Book for IBPS RRB Treasury Manager Exam (Scale II) with objective-type questions as per the latest syllabus given by the IBPS. • Compare your performance with other students using Smart Answer Sheets in EduGorilla’s IBPS RRB Treasury Manager Exam (Scale II) Practice Kit. • IBPS RRB Treasury Manager Exam (Scale II) Preparation Kit comes with 18 Tests (6 Mock Tests + 12 Sectional Tests) with the best quality content. • Increase your chances of selection by 14X. • IBPS RRB Treasury Manager Exam (Scale II) Prep Kit comes with well-structured and 100% detailed solutions for all the questions. • Clear exam with good grades using thoroughly Researched Content by experts.
Author : Dr. Rashmi Prakash Patil I Dr. Mukul Abasahaeb Burghate
Publisher : TMC, Nagpur
Page : 101 pages
File Size : 43,6 Mb
Release : 2024-07-03
Category : Antiques & Collectibles
ISBN : 8210379456XXX
Both banks and insurance companies are financial intermediaries. However, their functions are different. An insurance company ensures its customers against certain risks, such as the risk of having a car accident or the risk that a house catches on fire. In return for this insurance, their customers pay them regular insurance premiums. Banks accept short-term deposits and make long-term loans. This means that there is a mismatch between their liabilities and their assets. In case a large number of their depositors want their money back, for example in a bank run scenario, they might have to come up with the money in a hurry. For an insurance company, however, its liabilities are based on certain insured events happening. Their customers can get a pay-out if the event they are insured against, such as their house burning down, does happen. They don’t have a claim on the insurance company otherwise. The purpose of this study Material is to present an introduction to the subjects of Principles & Practices of Banking and Insurance. The book contains the syllabus from basics of the subjects going into the intricacies of the subjects. All the concepts have been explained with relevant examples and diagrams to make it interesting for the readers. An attempt is made here by the author the students by way of providing Study Material as per the curriculum with non-commercial considerations. However, it is implicit that these are examoriented Study Material and students are advised to attend regular class room classes in the Institute and utilize reference books available in the library for In-depth knowledge. We owe to many websites and their free contents; we would like to specially acknowledge contents of website www.wikipedia.com and various authors whose writings formed the basis for this book. We acknowledge our thanks to them. At the end we would like to say that there is always a room for improvement in whatever we do. We would appreciate any suggestions regarding this study material from the readers so that the contents can be made more interesting and meaningful. Readers can email their queries and doubts to our authors on [email protected]. We shall be glad to help you immediately.
Author : J. P. Goel
Publisher : Goyal Brothers Prakashan
Page : 178 pages
File Size : 41,6 Mb
Release : 2023-05-20
Category : Juvenile Nonfiction
ISBN : 9788194465294
We are very pleased to place before the students the thoroughly revised, enlarged and updated edition of the book entitled 'I.C.S.E. Economic Applications' for the students of Class IX This edition of the book has been designed strictly according to the latest course scheme prescribed by the Council of Indian Certificate of Secondary Examination (I.C.S.E.), New Delhi. • Efforts have been made to incorporate the latest available material and statistical information pertaining to various aspects of the Indian Economy. • Each chapter is equipped with a Question Bank consisting of exam oriented questions with their to-the-point answers. • To make the text interesting and easily understandable the language has been kept simple and lucid. • The book covers the course comprehensively. • Project work given at the end has been specially designed for the students. • Two Model Test Papers based on the examination pattern have also been given at the end. • Glossary of various technical terms used in the book has been further updated to cover the entire course. It is, therefore, sincerely hoped that this book will prove immensely useful to both students and teachers. We express our special thanks to M/s Goyal Brothers Prakasban for bringing out the book in record time. Suggestions and opinions of the readers of the book would be most welcome. J.P. Goel & Kaushal Goel C-131B, Sushant Lok-3 Sector 57, Gurugram (Haryana) Mobile : 9810945659 8595188940 e-mail : jpgoel03@gmai1 .com
Author : Suresh B
Publisher : Lulu.com
Page : 89 pages
File Size : 45,6 Mb
Release : 2013-07-16
Category : Business & Economics
ISBN : 9781304235237
This study is mainly confined to Mandya District in the state of Karnataka. The main focuses of the study is on the problem of NPAs in Canara Bank only and also see how the effective measures has enabled the banks to raise their profitability. The study also focused on growth and performance of Canara Bank in Mandya District.
Author : Manoranjan Sharma
Publisher : Atlantic Publishers & Dist
Page : 452 pages
File Size : 54,9 Mb
Release : 2007
Category : Finance
ISBN : 8126908084
India Has Entered The Second Stage Of Financial Sector Development, Where Market Forces Are Helping In Resources Allocation And Efficient Price Discovery Process.The Harmonization Of Regulatory Institutions And Devising Of New Financial Architecture Is Necessary To Enhance The Resilience Of India S Financial Sector And Reduce The Fragility Of Some Financial Institutions. High Exposure In Government Securities, Government Guaranteed Loans, Improper Valuation Of Collaterals, Vulnerability To Interest Rate Cycle, Still High Level Of Npas, Unsatisfactory Corporate Governance And Disclosures, Inadequate Surveillance, Stock Market Volatility, Risk Concentration And Policy Failure Cause Concern. This Necessitates Improving Transparency And Governance, Resolving Failure In The Industrial And Financial Sector, De-Linking Government And Private Sector, Fostering Innovation, And Improving The Supervisory And Regulatory Infrastructure. Given The Debilitating Impact Of Financial Sector Crisis On The Economy, The Stability Of The Financial Sector Should Be The Goal Of The Economy. Financial Stability Can Be Strengthened By Improved Financial Infrastructure, Enhanced Competition And Restructured Segments Of Financial System.Reform Measures Enhanced Efficiency And Stability Of The Banking System In India. Indian Banks Are Well Placed Compared With Their Counterparts In Developed Countries. But There Are Persisting Issues Of Removal Of Structural Barriers To Competition, Privatisation Of Banking System, Radical Restructuring, Downsizing Of The Balance Sheet, Recapitalisation And Eventual Privatisation Of The Financial Institutions, Withdrawal Of Quantitative Credit Controls And Directed Credit And Modernisation Of The Payment System. The Inexorable Process Of Economic Reforms Must Continue To Slash Poverty And Support Sustainable Development While Strengthening Financial Institutions. This Overarching Goal Of Development Needs A Renewed Thrust On Financial Sector Reforms. The Papers Included In The Present Book Cover Large Areas, But All Coalesce Into The Central Theme Of India S Transforming Financial Sector. It Is Hoped That The Book Will Prove Useful To A Wide Cross Section Of The Reading Public, Including Scholars And Academics, The Government Executives, International Institutions, Business Communities, And Planners And Policymakers.
Author : Mr.Jesus Gonzalez-Garcia,Francesco Grigoli
Publisher : International Monetary Fund
Page : 27 pages
File Size : 44,7 Mb
Release : 2013-10-03
Category : Business & Economics
ISBN : 9781484390092
State-owned banks may help to soften the financing constraints of public sector entities and consequently become a factor that hampers fiscal discipline. Using a panel dataset, we find that a larger presence of state-owned banks in the banking system is associated with more credit to the public sector, larger fiscal deficits, higher public debt ratios, and the crowding out of credit to the private sector. These results suggest that the lending practices of state-owned banks should be carefully assessed in any strategy to pursue fiscal discipline.
Author : Disha Experts
Publisher : Disha Publications
Page : 935 pages
File Size : 42,6 Mb
Release : 2019-04-25
Category : Electronic
ISBN : 9789388919418
The current book "IBPS RRB Guide for Officer Scale I (Preliminary & Main), II & III Exam with 4 Online Tests" covers all the 5 sections asked in the RRB exam English Language, Quantitative Aptitude, Data Interpretation, Reasoning, Computer Knowledge and Financial Awareness. The book provides the Solved Papers of 2017 & 2018 for Scale I, II & III. The book covers Revision Material on Financial Awareness. The book provides 4 Online Practice Sets - 2 for Preliminary & 2 for the Main Exam on the latest pattern of the exam for the Mock Online experience. These tests will be useful for Scale I, Scale II (GBO) & Scale III. The book provides well illustrated theory with exhaustive fully solved examples for learning. This is followed with an exhaustive collection of solved questions in the form of Exercise. The section on General Awareness has been divided into 5 chapters Conceptual Banking; Current Banking; General Awareness and Current Affairs; Financial Awareness.
Author : Rakesh Mohan,Partha Ray
Publisher : International Monetary Fund
Page : 35 pages
File Size : 43,5 Mb
Release : 2017-01-20
Category : Business & Economics
ISBN : 9781475570168
This paper traces the story of Indian financial sector over the period 1950–2015. In identifying the trends and turns of Indian financial sector, the paper adopts a three period classification viz., (a) the 1950s and 1960s, which exhibited some elements of instability associated with laissez faire but underdeveloped banking; (b) the 1970s and 1980s that experienced the process of financial development across the country under government auspices, accompanied by a degree of financial repression; and (c) the period since the 1990s till date, that has been characterized by gradual and calibrated financial deepening and liberalization. Focusing more the third period, the paper argues that as a consequence of successive reforms over the past 25 years, there has been significant progress in making interest and exchange rates largely market determined, though the exchange rate regime remains one of managed float, and some interest rates remain administered. Considerable competition has been introduced in the banking sector through new private sector banks, but public sector banks continue have a dominant share in the market. Contractual savings systems have been improved, but pension funds in India are still in their infancy. Similarly, despite the introduction of new private sector insurance companies coverage of insurance can expand much further, which would also provide greater depth to the financial markets. The extent of development along all the segments of the financial market has not been uniform. While the equity market is quite developed, activities in the private debt market are predominantly confined to private placement form and continue to be limited to the bluechip companies. Going forward, the future areas for development in the Indian financial sector would include further reduction of public ownership in banks and insurance companies, expansion of the contractual savings system through more rapid expansion of the insurance and pension systems, greater spread of mutual funds, and development of institutional investors. It is only then that both the equity and debt markets will display greater breadth as well as depth, along with greater domestic liquidity. At the same time, while reforming the financial sector, the Indian authorities had to constantly keep the issues of equity and efficiency in mind.
Author : Disha Experts
Publisher : Disha Publications
Page : 128 pages
File Size : 43,5 Mb
Release : 2021-02-04
Category : Electronic
ISBN : 9789390511181
Author : Disha Experts
Publisher : Disha Publications
Page : 256 pages
File Size : 55,6 Mb
Release : 2018-11-19
Category : Electronic
ISBN : 9789388240949
The thoroughly revised & updated 3rd edition of the book Banking Awareness is the MOST comprehensive book on Banking Awareness for the various bank exams Bank PO/ Clerk/ RRB/ RBI examinations. The book comprises of 16 chapters with exhaustive theory and 1500+ MCQs. The Exercise part has been divided into 2 parts - Past Questions (2008 - 16) & Practice Exercise. This new edition has been updated with 1 new chapter on International Financial Organisations and past Banking questions of IBPS/ SBI Clerk/ PO/ RRB/ RBI etc. The book consists of one complete chapter on Financial Awareness (including Indian Economy and Budget) and Current Trends in Banking.