Commercial banking constitutes the backbone of the financial system in India. Over the years bank credit has remained a predominant part of industrial /commercial financing in India and has served as the lifeline for economic development.Ad mist the global financial conundrum , the Indian commercial banking system was able to withstand the sock of the meltdown due to its inherent strengths ,prudential s regulations and timely regulatory interventions.
Our scheduled commercial banks are in a better position,Influence of environmental condition on a banks operating performance is a normal condition. While some banks who could capitalize opportunities better ,fared better, the same was not the case with others. The vast size and heterogeneity in the structure and operating environment banking groups under the commercial banking system in India require statistical analysis added by understanding of ground realities to draw a meaningful conclusion.
However despite the heterogeneity ,some common grounds of comparison could be seen between new and old private sector banks,also between SBI and Nationalized banks .On an average the new private sector bank have done better than their old counterpart.
Similarly Nationalized banks have on many counts shown better performance than SBI group.The reason may be rooted in operational,structural and policy issues.
It is a matter of satisfaction ,however ,that as a whole ,commercial banks in India are on a sound foundation and with their comfortable capital cushion,technological leverage and operational capabilities are ready to carry the task of nation building in the ensuing years
Our scheduled commercial banks are in a better position,Influence of environmental condition on a banks operating performance is a normal condition. While some banks who could capitalize opportunities better ,fared better, the same was not the case with others. The vast size and heterogeneity in the structure and operating environment banking groups under the commercial banking system in India require statistical analysis added by understanding of ground realities to draw a meaningful conclusion.
However despite the heterogeneity ,some common grounds of comparison could be seen between new and old private sector banks,also between SBI and Nationalized banks .On an average the new private sector bank have done better than their old counterpart.
Similarly Nationalized banks have on many counts shown better performance than SBI group.The reason may be rooted in operational,structural and policy issues.
It is a matter of satisfaction ,however ,that as a whole ,commercial banks in India are on a sound foundation and with their comfortable capital cushion,technological leverage and operational capabilities are ready to carry the task of nation building in the ensuing years
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