Banking Reforms In India : An Evaluative Study Of The Performance Of Commercial Banks @

The main theme of the book is to present a systematic analysis of the impact of Banking Sector Reforms in the areas of efficiency and profitability of commercial banks, both in Public and Private sector, over a period of 11 years since the initiation of reforms measures in 1992-93. it starts with a historical review of the development of Indian Commercial Banking in the pre-reform period and the circumstances and conditions necessitated initiation of reforms. It also reviews the main recommendations of the 'Committee on the Financial System' (1991) and the 'Committee on the Banking Sector Reforms' (1998), both presided over by Shri M Narasimham and their implications for the banking sector. The focus of the analysis is on the evaluation of response of banks in Public and Private sector individually and as a group to reform measures in the areas of efficiency and profitability during the study period. It also makes a study of comparative performance of Public and Private sector banks as a group in each area of indicators selected relating to the areas of efficiency and profitability. The implementation of Prudential Norms relating to Asset Classification and Capital Adequacy by banks is assessed. In addition to quantitative analysis, the study examines the customers' perceptions regarding Service Quality of Public and Private Sector Banks. The performance of banks groups are analysed in two ways: (i) Time-series, (ii) Period-wise using Principal Component Analysis. The book thus provides a comprehensive review of banking reforms and shifts that have taken place in the perceptions, policies and practices of Commercial Banks. It concludes with major findings of the study and the suggestions that emanate to improve operational and financial performance of commercial banks. The book will be highly useful not only to the academicians and researchers but also to practical bankers.
About Author :
Dr. D Suryachandra Rao has been working as Associate Professor and Head of the Post Graduate Department of Management Studies, KGRL College, Bhimavaram, Andhra Pradesh. After obtaining his Post Graduate degree from Acharya Nagarjuna University, he joined as a Lecturer in the Department of Management Studies, KGRL. College in 1992 and continuing his services in the same institution. He did hi8s M Phil and secured his Doctoral degree from Department of Commerce and Management Studies, Andhra University, Visakhapatnam. Besides having a distinguished career as a teacher and researcher, he authored text books. He authored three books on Banking in collaborations with his teacher, guide and philosopher Prof. AV Ranganadha Chari, a well known writer. He has participated in the International and All India level Seminars/Conference/Workshops and presented research papers. He has published articles/research papers in reputed Indian journal and magazines. He is the Seminar Director fort a few UGC; AICTE & DST sponsored Seminars/Conferences/Workshops. The latest in the series is a National Conference on "E-Commerce: Strategies, Technologies and Applications" which is sponsored by Department of Science and Technology, New Delhi.
Contents :
Contents Preface Acknowledgements Abbreviations 1. Introduction 2. Studies on Banking Reforms 3. Commercial Banking Reforms in India: An Overview 4. Performance Evaluation of Public Sector Banks 5. Performance Evaluation of Private Sector Banks 6. Analysis of the Comparative Performance of Public and Private Sector Banks 7. Conclusions Appendices Bibliography Index