A Study on the Financial Performance of Scheduled Commercial Banks
Journal Title: International Journal of Business and Management Invention - Year 2018, Vol 7, Issue 2
Abstract
Banking Sector plays an important role in economic development of a country. The purpose of the study is to examine the financial performance of public sector, private sector and Foreign banks. The data used for the study was entirely secondary in nature. The present study is conducted to compare the financial performance of Bank on the basis of ratios such as, Net interest Margin, Return on equity, Scheduled Commercial Banks (SCBs),Financial Performance, Cash Deposit Ratio, Credit Deposit Ratio, Investment Deposit Ratio, Investment + Credit to total Ratio, Ratio of Deposits to total Liabilities, Ratio of Demand and Savings to total deposits Ratio, Ratio of Priority sector Advances to Total Advances, Ratio of Term loans to Total Advances, Ratio of Secured Advances to Total Advances, Ratio of investments in non approved securities to Total Investments, Ratio of Interest income to Total Assets, Ratio of Non Interest Income to Total Assets, Ratio of Intermediation to Total Assets,Ratio of Wage Bills to Intermediation Cost, Ratio of Wage Bills to Total Expenses, Ratio of Wage Bills to Total Income,Ratio of Burden to Total Assets,Ratio of Burden to Interst Income, Ratio of Operating Profits to Total Assets, Return on Assets,Cost of Deposits,Cost of Borrowings,Cost of Funds,Return on Advances,Return on Investments and Return on Advances Adjusted to Cost of Funds.Financial performance analysis is aimed at keeping the banks in checks by highlighting low and high performance areas with the understanding that it will bring about improvement in performance.The period of study taken is from the year 2011 -12 to 2015 – 16 . The study found that private sector banks is performing well and they are financially sound than comparing to other bank groups
Authors and Affiliations
Dr. S. Sirisha, Dr. P. Malyadri
Keywords
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