scholarly journals A Selective Study: Camels Analysis of Indian Private Sector Banks

2018 ◽  
Vol 3 (5) ◽  
pp. 277-283
Author(s):  
C. Dudhe
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Economic Activities ◽  
Regulatory Requirements ◽  
Effective Measure ◽  
The Past ◽  
Regulatory Changes ◽  
Financial Soundness ◽  
And Performance ◽  
One Way Anova

Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. Evaluating Indian banking sector is not an easy task. There are so many factors, which need to be taken care while differentiating good banks from bad ones. Performance evaluation of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. The contribution of RBI and other policy maker, the banking industry has witnessed regulatory requirements like BASEL III norms. These regulatory changes have influenced prominent improvement in efficiency and performance of the Indian Scheduled Commercial Banks in the past few years. In the present study an attempt was made to evaluate the performance & financial soundness of select Private Sector Banks like ICICI,HDFC AND YES bank using CAMEL approach from 2013 to 2017 as well one way anova method. It is observed that on an average ICICI was at the top most position. It is also observed that yes Bank was at the bottom most position in selected CAMEL ratios.

STUDY OF CAMEL RATING SYSTEM IN BANKING SUPERVISION- A CASE STUDY OF NEPAL BANGLADESH BANK LTD

2018 ◽  
Vol 1 (3) ◽  
pp. 74-96
Author(s):  
Dr. S.U. Gawde ◽  
Prof.. Alekha Chandra Panda ◽  
Prof. Devyani Ingale
Keyword(s):  
Banking Sector ◽  
Capital Adequacy ◽  
Rating System ◽  
Financial Risks ◽  
Economic Activities ◽  
Effective Measure ◽  
Critical Elements ◽  
Financial Soundness ◽  
The Usa ◽  
Asset Quality

The banking sector  plays in important role in the country’s economy, acting as an intermediary to all industries. As the banking sector has a major impact on the economy as a whole. Performance evaluation of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. Many methods are employed to analyse banking performance. One of the popular methods is the CAMELS framework, developed in the early 1970’s by federal regulators in the USA. The CAMELS rating system is based upon an evaluation of six critical elements of a financial institution’s operations: Capital adequacy, Asset quality, Management soundness, Earnings and profitability, Liquidity, and Sensitivity to market risk. Under this bank is required to enhance capital adequacy, strengthen asset quality, improve management, increase earnings, maintain liquidity, and reduce sensitivity to various financial risks. In the present study an attempt was made to evaluate the performance & financial soundness of NEPAL BANGLADESH BANK LTD using CAMEL approach. Quantitative parameters are computed and updated on a quarterly basis while in respect of the qualitative parameters the ratings / marks given at the time of previous on-site examination

scholarly journals Does Borrower’s Personality Affects the Repayment of the Loan? A Study of Banking Sector of Pakistan

2020 ◽  
Vol 6 (1) ◽  
pp. 107-116
Author(s):  
Shahzadah Fahed Qureshi ◽  
Rashid Ahmad ◽  
Muhammad Saim Hashmi
Keyword(s):  
Family Size ◽  
Big Five ◽  
Banking Sector ◽  
Sampling Technique ◽  
Demographic Characteristics ◽  
Cluster Sampling ◽  
Economic Activities ◽  
Loan Repayment ◽  
Global Increase ◽  
One Way Anova

The continuing global increase in economic activities is increasing the importance of the banking sector as the hub of such activities. The banking sector issue loans to individuals, firms, and government. Various factors influence the repayment of these loans. In this study, we argue that the personality of the borrower affects the repayment of the loan. We have selected a sample of 500 borrowers of five major banks in Pakistan by using a cluster sampling technique. We selected 250 (50%) regular borrower and 250 (50%) defaulters. We measured borrower personality through a 44-items big five inventory (BFI) questionnaire similar to John & Srivastava (1999). We analyzed data using one-way ANOVA and regression. The results show considerable significant differences between the personality of regular borrowers and defaulters on all five traits of personality, which reveals that the borrower’s personality affects the repayment of the loan. The defaulters were high on extroversion and neuroticism dimensions, while regular borrowers were high on agreeableness, conscientiousness, and openness to experience. The results also depict the strong effect of demographic characteristics such as income, education, and family size on loan repayment. The study suggests banks consider the personality traits of the borrower at the time of issuing of loan.

scholarly journals The role of HRM practices in retaining employees: evidence from the banking sector

2021 ◽  
Vol 7 (4) ◽  
pp. 232-247
Author(s):  
Muhammad Daniyal ◽  
Mrestyal Khan
Keyword(s):  
Performance Appraisal ◽  
Commercial Banks ◽  
Employee Retention ◽  
Banking Sector ◽  
Training And Development ◽  
Working Environment ◽  
The Past ◽  
Convenience Sampling ◽  
And Performance

Banking is one of the fastest-growing sectors because of its contribution to the economy, however, today employee retention is demurring for banks and they are striving to fulfil this challenge. It has been observed from the past few years that it is due to the lack of knowledge related to the proper implementation of HR practices in the commercial banks. The main purpose behind conducting the research is to understand the effect of compensation (C), working environment (WE), training and development (T&D), and performance appraisal (PA) on employee retention (ER). The study used convenience sampling with a sample size of 200 and data was collected from the employees of different commercial banks located in Islamabad and Rawalpindi. The empirical results showed that WE, PA, and COM have a significant positive relationship with the ER whereas T&A has the insignificant one.

The informal road to markets

2014 ◽  
Vol 41 (4) ◽  
pp. 278-293 ◽  
Author(s):  
Basak Kus
Keyword(s):  
Private Sector ◽  
Informal Economy ◽  
Economic Activities ◽  
Regulatory Relationship ◽  
Government Regulations ◽  
Content Type ◽  
The Past ◽  
Neoliberal Reforms ◽  
Regulatory Barriers ◽  
Turkish Case

Purpose – The informal economy has expanded across developing countries during the last decades. Focussing on the Turkish case, the purpose of this paper is to examine the role of neoliberal reforms in this development. The author argues that neoliberal reforms produced a double-edged transformation in the regulatory environment of Turkey. On the one hand, the legal rules that constrain the operation of market forces decreased giving way to more entrepreneurial activity; while on the other hand, the state's effectiveness in “policing” the market declined. As the regulatory barriers to private entrepreneurship decreased, the regulatory barriers to informality also decreased. Private sector growth and informalization emerged as the concomitant outcomes of neoliberal reforms. Design/methodology/approach – This paper examines how the state's changing regulatory relationship to the private sector under neoliberal reforms fostered informal economic activities through a close study of the Turkish case. Findings – At the end of the 1980s, the Peruvian economist Hernando De Soto popularized the view that informalization resulted from government regulations imposing rigid constraints and costs on economic actors, and so would be restrained by decreasing or eliminating them. The economic developments of the past few decades challenge this view, however. The size of the informal economy has expanded in developing nations at a period when government regulations have been declining. How can we explain the increasing volume of informal economic activity in developing nations over the past few decades? And more, how can we explain that this has happened during a period when the private sector has grown, and regulatory rigidities have declined? This paper argues that the state's changing regulatory relationship to the private sector under neoliberal reforms was an important factor in the expansion of informal economic activities. Originality/value – The implications of neoliberal reforms for economic processes have been widely studied in the social scientific literature. Only a handful of studies have explored their implications for the informal economy, however. These studies singled out factors such as the decline in public employment, weakening of labor unions, or capital's enhanced ability to exploit labor in contributing to informalization of developing country economies in the neoliberal era. By discussing how the changing regulatory contours of the state-economy relationship played a role in the growth of informally operating private enterprises, this paper adds to the existing knowledge of this relationship.

scholarly journals X-efficiency, Scale Economies, Technological Progress, and Competition: The Banking Sector in Pakistan

2006 ◽  
Vol 45 (4II) ◽  
pp. 733-748 ◽  
Author(s):  
Abdul Qayyum ◽  
Sajawal Khan
Keyword(s):  
Economic Growth ◽  
Banking Sector ◽  
Financial Intermediation ◽  
Empirical Support ◽  
Financial Sector ◽  
Economic Activities ◽  
Policy Makers ◽  
The Past ◽  
Financial Products ◽  
Factor Accumulation

The financial sector plays an important role in economic growth, and the banking sector as a part of the financial sector facilitates the economic activities in the capacity of an intermediary between lender and borrowers. That is why the researchers as well as the policy-makers have been concerned with the issue of banking sector efficiency. The banks transform their various inputs into multiple financial products, and the efficient way the banking sector transform these input into financial products may followed by macroeconomic stability [Ngalande (2003)]. It has also important role in effective execution of monetary policy [Hartman (2004)], furthermore, efficient allocation by banks play a central role in economic growth [Galbis (1977)]. There is a strong empirical support for positive link between financial intermediation and economic growth. A wide acceptance of this link also exists and financial development used as a determinant in growth model over the past several decades [Gurley and Shaw (1955) and Goldsmith (1969)]. The positive relationship could be either through factor accumulation or through increase in efficiency [Collins (2002)]. It is the efficiency which is more important because mere factor accumulation could not stimulate economic growth [Slutz (2001)]. The efficient financial intermediation mechanism allocates the credit to more productive sectors in optimal way. In addition, this efficient financial intermediation mechanism also promotes innovations, because of high return on investment, with positive implications for economic growth [Luccheti (2000)].

scholarly journals Assessing Cultural Management of Abuja Carnival

2016 ◽  
Vol 2 (3) ◽  
pp. 28
Author(s):  
Christopher Elochukwu Unegbu
Keyword(s):  
Private Sector ◽  
Federal Government ◽  
Cultural Management ◽  
The Past ◽  
Culturally Based ◽  
Deductive Method ◽  
Security Challenge ◽  
Artistic Directors ◽  
And Performance ◽  
Diverse Cultures

Culture is a major instrument for identifying a people. Over time, Nigeria’s diverse cultures have been celebrated with fun-fare and pageantry for tourism carnivals. The management process of such cultural celebrations becomes worthy of study. The concept of Cultural management is basically out to examine the influence of administration on a culturally-based festival like the Abuja carnival. The idea is to examine the past visions of the Carnival in comparison with the present challenges with the view of clearly solving such problems to ensure a more globally accepted product. The study employs the deductive and analytical methods of research to investigate the concept of Cultural management in Abuja Carnival. In the deductive method, we derive some vital information relevant to the study through interviews with some Artistic directors of the Abuja carnival. For the analytical method, we assess the cultural management through the review of related literatures, magazines and performance brochures. Among others, the study reveals that Abuja Carnival suffers serious funding challenge from its major sponsor which is the federal government of Nigeria. Also, despite having the same preparatory process, the approaches of the studied directors vary according to their perception of what a carnival should be which does not maintain the overall vision of the carnival. It also came to the fore that certain external factors such as national security challenge contribute to the factors militating against the targeted increase in foreign troupe participation in the Carnival. The study concludes that Abuja carnival have increased private sector sponsorship which will lessen the bureaucratic challenge from the major sponsor. Furthermore, private-sector driven sponsorship will accommodate healthy competition and encourage better result in revenue generation among others.

Effect of bank-specific and governance-specific variables on the productivity and profitability of banks

2016 ◽  
Vol 65 (8) ◽  
pp. 1057-1074 ◽  
Author(s):  
Karam Pal Narwal ◽  
Shweta Pathneja
Keyword(s):  
Corporate Governance ◽  
Private Sector ◽  
Banking Sector ◽  
Malmquist Productivity Index ◽  
Productivity Index ◽  
Public And Private ◽  
Content Type ◽  
Performance Variables ◽  
And Performance ◽  
Public And Private Sector

Purpose The purpose of this paper is to analyze the effect of bank-related variables and corporate governance-related variables on the productivity and profitability of public and private sector banks in India. Design/methodology/approach The Malmquist productivity index is applied to determine the productivity of different banks. Further, return on average assets is used as profitability of banks. The regression analysis is further used to assess the effect of different bank-related and governance-related variables on performance of banks. Findings Nearly all the bank-specific variables explain the productivity and profitability of banks but a weak relationship is observed between individual governance variables and performance variables. Two governance variables, i.e. board meetings and remuneration explicate the profitability of the public sector banks and only duality explains the profitability of the private sector banks. No significance is found between productivity and governance variables. Originality/value The study addresses the embryonic issue of corporate governance in the banking sector. The uniqueness of the paper lies in that no study has evaluated the effect of these variables on productivity and profitability of banks simultaneously.

scholarly journals A Canonical Analysis on the Relationship between Banking Sector and Stock Market Development in Bangladesh

2017 ◽  
Vol 10 (1) ◽  
pp. 167
Author(s):  
Suman Biswas ◽  
Altaf Hossain ◽  
Arnab Kumar Podder ◽  
Md. Nasif Hossain
Keyword(s):  
Correlation Analysis ◽  
Stock Market ◽  
Private Sector ◽  
Canonical Correlation Analysis ◽  
Canonical Correlation ◽  
Banking Sector ◽  
Market Development ◽  
Canonical Variate ◽  
Economic Activities ◽  
Stock Market Development

This study examines the structural dependency between the developments of banking sector and stock market of Bangladesh using canonical correlation analysis. The main objective is to check whether the developments of these two financial sectors independently behave in the economic activities of Bangladesh using monthly data from 2006 to 2015. The development of banking sector is measured by a set of four indicators or variables, private sector credit, total number of branches of scheduled banks, interest rate spread and non-performing loan. Similarly another set of indicators, stock market capitalization, number of listed companies, turnover ratio and stock price volatility are used to explain the development of stock market. The multivariate time series of the two set of indicators are ensured first to be the stationary one. Then the canonical correlation analysis between the two set of indicators show that private sector credit, total No. of branches of scheduled banks are the first set of variables contribute more to construct the first canonical variate of banking sector. Market capitalization and number of listed companies are the second set of variables contribute more to construct the first canonical variate of stock market development. Finally, the correlation between the first pair of canonical variates is 0.293. Since the correlation is positive but not significant, banking and stock market developments do not significantly complement each other. Thus it is concluded that the developments of the two financial systems have been independently running during the period in financing economic activities of Bangladesh from 2006 to 2015.

scholarly journals Evaluating the Financial Solvency of Selected Commercial Banks of Nepal: An Application of Bankometer

2015 ◽  
Vol 1 (1) ◽  
pp. 88-95 ◽  
Author(s):  
Indra Kumar Kattel
Keyword(s):  
Private Sector ◽  
Commercial Banks ◽  
Banking Sector ◽  
Joint Venture ◽  
Banking Industry ◽  
Academic Research ◽  
Financial Service ◽  
Insolvency Risk ◽  
Financial Position ◽  
Financial Soundness

Banking industry of Nepal is moving towards the goal of integrated financial service because of competition, frequently changes in technology, and customers' expectations. Financial system is reflected through sound solvency position in the banking sector. Therefore, the aim of this study is to evaluate the financial soundness of joint venture banks and private sector banks in Nepal by using bankometer model for the period covering 2007- 2012. The bankometer model was used developed according to International Monetary Fund guidelines. The study has found that all the private and joint venture banks are in sound financial position. The finding of the study reveals that private sector banks are financially sounder in comparison to joint venture banks. The study concludes that bankometer model will help the bank's internal management to mitigate the insolvency risk within proper control and supervision at the operational level.Journal of Advanced Academic Research Vol.1(1) 2014: 88-95

Regulatory and sustainability initiatives lead to improved polyaminopolyamide epichlorohydrin (PAE) wet-strength resins and paper products

TAPPI Journal ◽  
2018 ◽  
Vol 17 (09) ◽  
pp. 519-532 ◽  
Author(s):  
Mark Crisp ◽  
Richard Riehle
Keyword(s):  
Health And Safety ◽  
Cost Effective ◽  
Worker Safety ◽  
Regulatory Requirements ◽  
Wet Strength ◽  
The Past ◽  
Consumer Safety ◽  
Federal Institute ◽  
Sustainability Initiatives ◽  
The Impact

Polyaminopolyamide-epichlorohydrin (PAE) resins are the predominant commercial products used to manufacture wet-strengthened paper products for grades requiring wet-strength permanence. Since their development in the late 1950s, the first generation (G1) resins have proven to be one of the most cost-effective technologies available to provide wet strength to paper. Throughout the past three decades, regulatory directives and sustainability initiatives from various organizations have driven the development of cleaner and safer PAE resins and paper products. Early efforts in this area focused on improving worker safety and reducing the impact of PAE resins on the environment. These efforts led to the development of resins containing significantly reduced levels of 1,3-dichloro-2-propanol (1,3-DCP) and 3-monochloropropane-1,2-diol (3-MCPD), potentially carcinogenic byproducts formed during the manufacturing process of PAE resins. As the levels of these byproducts decreased, the environmental, health, and safety (EH&S) profile of PAE resins and paper products improved. Recent initiatives from major retailers are focusing on product ingredient transparency and quality, thus encouraging the development of safer product formulations while maintaining performance. PAE resin research over the past 20 years has been directed toward regulatory requirements to improve consumer safety and minimize exposure to potentially carcinogenic materials found in various paper products. One of the best known regulatory requirements is the recommendations of the German Federal Institute for Risk Assessment (BfR), which defines the levels of 1,3-DCP and 3-MCPD that can be extracted by water from various food contact grades of paper. These criteria led to the development of third generation (G3) products that contain very low levels of 1,3-DCP (typically <10 parts per million in the as-received/delivered resin). This paper outlines the PAE resin chemical contributors to adsorbable organic halogens and 3-MCPD in paper and provides recommendations for the use of each PAE resin product generation (G1, G1.5, G2, G2.5, and G3).

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