Commercial Banking in the Planned Economy of India PDF Download
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Author: Chitta Ranjan Basu
Publisher: Mittal Publications
ISBN:
Category : Banks and banking
Languages : en
Pages : 444
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Book Description
Author: Chitta Ranjan Basu
Publisher: Mittal Publications
ISBN:
Category : Banks and banking
Languages : en
Pages : 444
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Book Description
Author: Asl? Demirgüç-Kunt
Publisher: World Bank Publications
ISBN:
Category : Bancos comerciales
Languages : en
Pages : 52
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Book Description
March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Author: Naqi Uddin
Publisher: Mittal Publications
ISBN: 9788170998792
Category : Banks and banking
Languages : en
Pages : 310
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Book Description
With special reference to their performance in rural credit in Uttaranchal, India.
Author: Partha Ray
Publisher: Academic Foundation
ISBN: 9788171886357
Category : Business & Economics
Languages : en
Pages : 290
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Book Description
Set against a backdrop of financial-sector reforms in India, this analysis explores theories and empirical evidence regarding the behavior of commercial banks and their reactions to centralized monetary policy. A comprehensive account of the credit channels of monetary transmission is presented along with observations of the modified IS-LM model within the independent banking sector. Progressive issues such as future consolidation of the banking sector are also addressed. Ultimately, not all commercial banks react uniformly to monetary policy, as ownership, size, liquidity, and capitalization play key roles in determining individual responses.
Author: Abhik Ray
Publisher: Penguin Books India
ISBN: 0670999067
Category : Banks and banking
Languages : en
Pages : 1110
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Book Description
&Nbsp; Playing A Part In The Story Is A Cast Of Bankers Who Left Their Imprint On The Bank&Rsquo;S Policies, Practices And Character, Among Them A Series Of Remarkable Chairmen, Not To Speak Of The Hundreds Of Dedicated Officers And Other Employees Who Helped Establish The Bank&Rsquo;S Pre-Eminence And Provide Leadership To The Banking System. &Nbsp; The State Bank Of India Act Received The President&Rsquo;S Assent On 8 May 1955, And On 1 July, Moving With Remarkable Swiftness, The New Bank Came Into Being. The Purpose Was To Create An Institution That Would Form An Essential Part Of The Country&Rsquo;S Plans For Modernization, Envisaged In The Era Of Economic Planning. The Bank Would Have Its Roots Firmly Planted In The Countryside Through A Network Of Branches That Spanned The Country&Rsquo;S Farthest Corners, And Play A Major Role In National Development. In Volume 4 Of The Evolution Of The State Bank Of India We Are Taken Into The Heart Of The Entire Exercise, Ranging From The Organizational Issues Posed By A Rapidly Expanding Network Of Branches Running Into The Thousands To Those Of Motivating A Huge Workforce, Besides The Problems Of Venturing Into Areas Of Banking&Mdash;Such As Development Banking Geared To The Needs Of The Artisan And The Farmer&Mdash;That Had Not Been Tried Before.
Author: Disha Experts
Publisher: Disha Publications
ISBN:
Category :
Languages : en
Pages : 103
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Book Description
Cracking IAS Prelims Revision Files – Indian Economy (Vol. 2/9) is the 1st ebook of a series of 9 eBooks specially prepared to help IAS aspirants cross the milestone of Preliminary Exam. The ebook is aimed at Revision cum practice so as to develop confidence to crack the IAS Prelim Exam. • The eBook is divided into 3 Topics • Each topic provides 5-6 Revision Modules ensuring complete revision of the topic. Thus in all around 15 such Modules are provided. • Each topic will end up with a Quiz containing 15 questions to test your topic preparedness. • Further Solved Questions of the last 5 years on Indian Economy are also provided. • In the end 2 Tests are provided on Indian Economy to test your revision of the entire section This ebook, along with the 8 other ebooks of this series, will definitely help you improve your score in the IAS Prelim Exam.
Author: MYUPSC
Publisher: R P Meena
ISBN:
Category : Study Aids
Languages : en
Pages : 101
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Book Description
Cracking IAS Prelims 2024 General Studies (Indian Economy) Quick Revision Notes With Practice MCQs. The most important source of Economy for UPSC is NCERT Books. Aspirants should read Economy from NCERT Books for UPSC to prepare for the IAS Exam. Taking notes is an efficient way to organise the study material for Quick Revision. UPSC candidates often find it difficult to find the right topics to focus on or may not have the time or resources at hand to take efficient notes. With this in mind, we at MYUPSC have developed a compilation of NCERT Notes for UPSC Preparation. As per the UPSC 2024 calendar, the IAS Prelims and main exams are scheduled to take place on May 26, 2024 and September 20, 2024 onwards respectively. Economy is an important part of the Prelims GS 1 paper of the Civil Services Examination. Important questions for UPSC from the Economy section are given here.
Author: Datt Gaurav & Mahajan Ashwani
Publisher: S. Chand Publishing
ISBN: 9352531299
Category : Business & Economics
Languages : en
Pages : 1096
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Book Description
This book presents a comprehensive survey of the Indian Economy in terms of GDP growth, savings, investment and developments in various sectors such as agriculture, industry and services. A contradiction observed in India is that while the reform process has resulted in boosting GDP growth, it has failed to yield acceleration in the process of poverty reduction and growth of employment.
Author: Disha Experts
Publisher: Disha Publications
ISBN: 9390711355
Category :
Languages : en
Pages :
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Book Description
Author: Disha Experts
Publisher: Disha Publications
ISBN: 9390711231
Category :
Languages : en
Pages :
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Book Description
