The objective of this paper is to measure the productive efficiency of banks in a developing country, that is, India. The measurement of efficiency is done using Data Envelopment Analysis (DEA). Two models have been constructed to show how efficiency scores vary with change in inputs and outputs. The efficiency scores, for three groups of banks, that is, publicly owned, privately owned and fore...

The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian...

present paper intends to measure the determinants of performance of indian financial sector. the performance variables of banking sector and microfinance institutions in india are studied over a study period of six years i.e. 2006-07 to 2011-12. the financial sector of india is gaining strength over the years and its contribution to growth is overwhelming. banks are considered the main componen...

The paper studies the impact of bank specific, industry specific and macroeconomic factors affecting profitability of Indian Banks in a dynamic model framework. The persistence of bank profits and endogeneity of the factors have been accounted for using Generalised Method of Moments (GMM) as suggested in Arellano & Bond, 1991.The panel data for the study have been obtained from 42 Indian Schedu...

non-performing assets (npas) have been a major cause of concern for indian commercial banks in the recent past years. many studies have been reported on the different aspects of npas in indian banking system. however, there is a crucial lack of investigation on the comparative assessment of various types of banks such as public sector banks, private sector banks and foreign banks so that the tr...

in the paper an attempt was made to study the performance of indian banks with the help of camel(c-capital adequacy, a- asset quality, m- management quality, e-earnings, l-liquidity i.e. camel) rating system, over the period of five years from (2011 to 2015) and then evaluated out the efficiency of banks with the help of gra (grey relation analysis) technique there by gaining confidence from in...

In this study we estimate technical efficiency of Indian commercial banks from 19892009 using a multiple-output generalized stochastic production frontier, and analyze the effects of financial sector reforms on measured efficiency. This generalized technique estimates technical efficiency in the presence of multiple outputs, filling a gap in the existing literature. Our results show that Indian...

The Indian and Pakistani banking industry is said to have an excessive use of labour due to the significant market share of government owned banks. Both countries have undertaken a process of regulatory reform to bring about market discipline in the usage of inputs and to increase the labour use efficiency and productivity. The focus of this paper is the estimation of productivity and efficienc...

This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cau...

In the paper an attempt was made to study the performance of Indian Banks with the help of CAMEL rating system, taking eighteen banks (eight being Private Sector Banks and ten being Public Sector Banks) over the period of ten years from (2004 to 2013) and then finding out their efficiency of banks with the help of DEA in terms of gaining confidence from investors and ranking them accordingly. O...