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Financial Performance of Banks in India

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  • Harish Kumar Singla

Abstract

The present study was undertaken to examine and understand how financial management plays a crucial role in the growth of banking. It is concerned with examining the profitability position of the selected sixteen banks (BANKEX-based) for a period of five years (2000-01 to 2006-2007). The study reveals that the profitability position was reasonable during the period of study when compared with the previous years. Return on Investment proved that the overall profitability, and the position of selected banks was sustained at a moderate rate. With respect to debt equity position, it was evident that the companies were maintaining 1:1 ratio, though at one point of time it was very high. Interest coverage ratio was continuously increasing, which indicated the company`s ability to meet the interest obligations. Capital adequacy ratio was constant over a period of time. During the study period, it was observed that the return on net worth had a negative correlation with the debt equity ratio. Interest income to working funds also had a negative association with interest coverage ratio and the Non-Performing Assets (NPA) to net advances was negatively correlated with interest coverage ratio.

Suggested Citation

  • Harish Kumar Singla, 2008. "Financial Performance of Banks in India," The IUP Journal of Bank Management, IUP Publications, vol. 0(1), pages 50-62, February.
    • Handle: RePEc:icf:icfjbm:v:7:y:2008:i:1:p:50-62
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    Cited by:

    1. R. K Uppal, 2011. "Global Crisis: Problems and Prospects for Indian Banking Industry," Journal of Economics and Behavioral Studies, AMH International, vol. 2(4), pages 171-176.
    2. R. K Uppal, 2011. "Banking Sector Reforms: Policy Implications and Fresh Outlook," Information Management and Business Review, AMH International, vol. 2(2), pages 55-64.
    3. R. K Uppal, 2011. "Indian Banking – NEW Vision 2030," Journal of Education and Vocational Research, AMH International, vol. 2(5), pages 162-182.

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