Financial Efficacy of Selected Public and Private Sector Banks in India

Abstract

The banks in India have over 67,000 branches located across the country. All these are classified into two major categories, nonscheduled banks and scheduled banks. Scheduled banks includes commercial banks and the co-operative banks. The public sector banks are accountable for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally with already existing public sector banks. so it is very essential to analyze how their financial performance is influenced by number of factors which willfurther suggest them where they need to concentrate more. in this article we have analyzed the correlation between return on total assets and other financial variables of selected private and public banks in India.

Keywords: {'name': 'Banks'}, {'name': 'Finance'}, {'name': 'Customer'}, {'name': 'Branch'}

Authors & affiliations

S Ayyappan
Affiliation not supplied

M SakthiVadivel
Affiliation not supplied

Deposited references

Supplied references, not a list of publications citing this article.

Amandeep (1993), “Profit and Profitability in Commercial Banks” Deep and Deep Publications, New Delhi.

Atikoğullari, M. (2009), “An Analysis of the Northern Cyprus Banking Sector in the Post – 2001 Period Through the

CAMELS Approach”, International Research Journal of Finance and Economics, Vol. 32, pp. 212 – 229.

Bennaceur, S. and M. Goaied, (2008), “The Determinants of Commercial Bank Interest Margin and Profitability:

Evidence from Tunisia”, Frontiers in Finance and Economics, vol.5 , No.1, pp. 106 – 130.

Bolda B.S. and R.Verma (2007), “Determinants of Profitability of Banks in India: A Multivariate Analysis”, Journal

of Services Research, Vol.6, No.2, pp.75-89.

DOI: 10.1300/J396v24n02_02

Services Market Quarterly, Vol.24, No.2, pp. 15-22.

Chen, Y. and C. Lin (2007), “Empirical study on the efficiency analysis of Australian banks”, Banks and Bank

Systems, Vol.2, No.4, pp.38 – 49.

DOI: 10.1596/1813-9450-1900

Some International Evidence”, World Bank Policy Research Working Paper, No. 1918.

Ganesan, P, (1998), “A study of Priority Sector Advances vis-à-vis profits and profitability of Public Sector Banks in

India”, Ph.D. Thesis, Bharathiar University, Coimbatore,

Halkos, G. E. and D.S. Salamouris. (2004), “Efficiency measurement of the Greek commercial banks with the use of

financial ratios: a data envelopment analysis approach”, Management Accounting Research, Vol. 15, pp. 201-224.

Ketkar, K.W. and S. L. Ketkar (2008), “Performance and Profitability of Indian Banks in the Post Liberalization

Period”, The 2008 World Congress on National Accounts and Economic Performance Measures for Nations, May 13 -

, 2008, Washington DC.

DOI: 10.1108/03074350810848036

Managerial Finance, Vol. 34, No.3, pp.146 – 159.

Manoj P K., (2010), "Determinants of Profitability and Efficiency of Old Private Sector Banks in India with Focus on

Banks in Kerala State." International Research Journal of Finance and Economics, Vol. 47

Ramlall, I. (2009), “Bank-Specific, Industry-Specific and Macroeconomic Determinants of Profitability in Taiwanese

Banking System: Under Panel Data Estimation”, International Research Journal of Finance and Economics, Vlo.34,

pp. 160-167.

Raut K.C. and Das, S.K. (1996), “Commercial Banks in India – Profitability, Growth and Development”, Krishna

Publishers Distributors, Darya Ganj, New Delhi.

DOI: 10.1177/097215090901000206

Malaysia”, Global Business Review, Vol.10, No.2, pp. 225-241.

Tarawneh M. (2006), “A Comparison of Financial Performance in the Banking Sector: Some Evidence from Omani

Commercial Banks”, International Research Journal of Finance and Economics, Vol. 3, pp. 101- 112.

Thamkirati, S. (1996), “A Study on the Relationships among the effects of Banking Deregulation, Asset Management

ratios, and Profitability of the Banking Industry in Thailand”, Degree DCA, United States International University,

-1996.