Review of Literature of Indian Banking System After Liberalisation

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TABLE OF CONTENTS

S.NO

CHAPTER
DECLARATION (PARA 12 – B) CERTIFICATE (PARA 12 – C) PREFACE ACKNOWLEDGEMENT

PAGE ii iii iv v 1 1 1 2 4 6 11 11 12 13 14 15 15 18 20 21 21 25 26 28 30

1 1.1 1.1.1 1.1.2 1.1.3 1.1.4 1.1.5 1.1.6 1.1.7 1.1.8 1.1.9 1.1.10 1.1.11 1.1.12 1.1.13 1.2 1.2.1 1.2.2 1.2.3 1.3 1.4

INTRODUCTION Importance of Banks in an Economy What Is A Bank? Functions of a Bank Banking Sector in India The Role of Banking in an Economy Role of Banks in the Indian Economy The Role Of Central Bank In Indian Banking System (RBI) Basel Norms and Banking in India Recent Developments In The Indian Banking Industry Government Initiatives Challenges and Opportunities for Players Scenario Planning Of Banking Sector: 2010 Challenges Faced By the Indian Banking Industry Strategies Undertaken by Banks to Tackle the Challenges Public Sector Banks in India Evolution of the Indian Banking Nationalised Banks In India Present Scenario Private Sector Banks in India Concept of Financial Analysis

1.4.1 1.4.2 1.4.3 1.4.4 1.5 1.5.1 1.5.2 1.5.3 1.5.4 1.5.5 1.6

Meaning The Concept Need For A Comparative Financial Analysis Significance Of Financial Analysis Tools for Financial Analysis Ratio analysis Horizontal Analysis Vertical Analysis Funds Flow Analysis Cash Flow Statement Factors Affecting Financial Statement Analysis References

30 31 32 33 36 37 54 55 56 58 64 66 69 69 71 71 71 71 73 81 84 86 89 89 90 90 93 94 94 95 ii

2 2.1 2.2 2.2.1 2.3 2.4 2.5 2.5.1 2.5.2

RESEARCH DESIGN Objective of the study Research Methodology Secondary Research Data Collection Data Analysis and Interpretation Literature Review Characteristics of banks in India Theme of the Research References

3 3.1 3.1.1 3.1.2 3.2 3.3 3.3.1 3.3.2

FINANCIAL ANALYSIS OF SBI State bank of India International Presence Associate Banks Establishment Profile Deposit Loans

3.4 3.5 3.5.1 3.5.2 3.5.3

Employees Ratio Analysis of SBI Bank Liquidity Ratios Activity Ratios (Management Efficiency Ratios) Profitability Ratios References

99 100 100 104 118 125 126 126 127 129 129 130 131 132 133 133 135 136 148 154 155 177 179 182 175 188 193 iii

4 4.1 4.2 4.3 4.3.1 4.3.2 4.2.3 4.2.4 4.3 4.3.1 4.3.2 4.3.3 4.3.4

FINANCIAL ANALYSIS OF ICICI BANK Introduction History Profile Deposits Loans Organisation Employees Ratio Analysis of ICICI Bank Liquidity Ratios Leverage Ratios Activity Ratios (Management Efficiency Ratios) Profitability Ratios References

5 6 6.1 7

COMPARATIVE STUDY OF ICICI AND SBI BANK FINANCIAL PROBLEMS IN PUBLIC SECTOR BANKS Financial Problems in Private Sector Banks CONCLUSION AND RECOMMENDATIONS REFERENCES BIBLIOGRAPHY APPENDIX I- Profit & Loss Accounts Of ICICI Bank

APPENDIX II- Balance Sheets Of ICICI Bank APPENDIX III - Profit & Loss Accounts Of SBI Bank APPENDIX IV- Balance Sheets Of SBI Bank

193 196 198

iv

Sample Excerpt
Industry experts across the globe have conducted studies on the changes taking place in different economies, countries, people, etc. In the past few decades, the world has witnessed changes in legal reforms, technological transformation, economic and political reforms. Authors have expressed such analogies in the Indian context, particularly in the public sector banks during the era of reforms.

In a review carried out by the New Institutional Economics for bank failures, particular emphasis was laid in structuring of different techniques as per the analytical framework. It studied the bank restructuring patterns undertaken by different nations and economies, designed to assist financial sector professionals and to assist policy makers in all situations (Andrew Sheng, 1991).

The financial services sector is undergoing rapid transformation at an extremely fast pace. Recent examples are the Private Sector Banks which have broadened their product portfolio considerably, public sector banks which have started extensive promotions through innovative marketing tools, etc. Several reasons have...
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