Awareness and Utilization on Cooperative Banking Services and Schemes in Rural Area

Niyaz,; Siddiq, Abbokar

doi:10.5281/zenodo.5519111

Cited by 1 publication

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“…Hence there is a need to improve banking efficiency and take effective measures to tackle any banking related issues. At the same time involvement of weaker section of the society in accessing finance provided by financial institution also helps the economic development of a country [29]. Hence, along with adopting various strategies like merger it is essential to encourage all the section of society to keep their stake in the banking institutions.…”

Section: Discussionmentioning

confidence: 99%

Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model

Panakaje

2021

SSRN Journal

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Purpose:The main motive of this research was to assess the overall functioning of public sector banks before merger and after the merger. At the same time effective comparison is been undertaken between public and private sector banks. One of the most crucial practices of evaluating the performance of bank involves critical examination of account statements concerning annual report. Major parameters for evaluating the Banks's performance include assessment of adequate capital, quality of assets, ability of management to control the risk, earning capacity and liquid adequacy to meet the monetary obligations by the banks. Impact of merger on the bank's performance are measured and compared to judge its effectiveness. Methodology: Quarterly published financial statements from 2019-20 to 2020-21 of selected banks are used for the analysis. Analysis is based on CAMEL model where the performance is rated on a scale of 1 to 5 on the basis of rating analysis. This study applied t-test as inferential statistics to draw a conclusion based on a comparative analysis. Findings: The study revealed there is significant difference in the performance of selected merged public sector banks and private banks and it was found that even after the merger of public sector banks it is not able to strive against private sector banks in their overall performance. Originality: It may be helpful to the government in making the merger an effective strategy by changing its policies and practices in consolidating the banks. Banking sectors are the major contributor to country's GDP hence the result of this study can be utilized to improve both public and private sector banks. Utilitarian Implication: This study will be valuable and pragmatic to the various stakeholders like investors, banking sectors, government, employees, customers, management and society as a whole to maintain their stake in these banks.

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Section: Discussionmentioning

confidence: 99%

Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model

Panakaje

2021

SSRN Journal

View full text Add to dashboard Cite

show abstract

Awareness and Utilization on Cooperative Banking Services and Schemes in Rural Area

Cited by 1 publication

References 0 publications

Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model

Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model

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