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PROFITABILITY OF COMMERCIAL BANKS AFTER THE REFORMS: A STUDY OF SELECTED BANKS
Shefali Verma, R. Goyal, P. Jindal
Liberalization, globalization and privatization of Indian economy has brought paradigm shift in the entire scenario. These reforms have bought ample opportunities of growth as well as fiery competition from almost every corner of the world. The entr…
Liberalization, globalization and privatization of Indian economy has brought paradigm shift in the entire scenario. These reforms have bought ample opportunities of growth as well as fiery competition from almost every corner of the world. The entry of Private Banks and liberal branching policy for foreign banks has threatened the market privileges enjoyed by public sector banks. This has further lead to the dire necessity for incorporating changes in the operational framework including the range of products and services offered by it. The remedial measures initiated by the banks and profitability of banks depend upon number of factors. In this reference the present study attempts to analyses the profitability of four major banks in India, namely, Punjab National Bank, State Bank of India, ICICI Bank, and Federal Bank, during the post –reforms period from 2007-2012. The sample banks represented different types, namely, Public sector banks, nationalized banks, new private –sector banks, and foreign banks. The paper seeks to examine the factors affecting the profitability of these banks with the help of average and co-efficient of variation. The study has revealed that while the average profitability was highest in the case of ICICI Bank, it was lowest in Federal Bank. On the basis of empirical results, the paper suggests the measures to be taken to curtail the burden and to argument the fund –based activities to increase the level of spread.
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2 | 2013 |
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