Determinants of Profitability of Listed Commercial Banks in India

Table of Contents

INTRODUCTION

1.1 Introduction
1.2 Statement of the Problem
1.3 Research Questions
1.4 Objectives of the Study
1.5 Research Methodology
1.6 Scope of the Study
1.7 Significance of the Study
1.8 Limitations of the Study
1.9 Chapter Scheme

References

BANKING SECTOR IN INDIA - A REVIEW

2.1 Origin of Banking
2.2 Banking in India
2.2.1 The Pre-Independence Phase
2.2.2 The Post-Independence Phase
2.3 Classification of Banks
2.3.1 The Reserve Bank of India
2.3.2 Scheduled Banks
2.3.3 Unscheduled Banks
2.3.4 Commercial Banks
2.3.5 Co-operative Banks
2.4 Function of Banks
2.4.1 Primary Functions
2.4.2 Secondary Functions:
2.5 Key Bank Performance Measures
2.5.1 The Credit Deposit Ratio
2.5.2 The Investment Deposit Ratio
2.5.3 Other Income to Total Income Ratio
2.5.4 Operating Expenses to Total Income Ratio
2.5.5 Interest Income to Total Funds Ratio
2.5.6 Interest Expended to Total Funds Ratio
2.5.7 Net Profit to Total Funds Ratio
2.6 Rating Frame Work for Banks
2.6.1 CAMEL Rating
2.7 Risks Faced by Banks
2.7.1 Credit Risk
2.7.2 Market Risk
2.7.3 Operational Risk
2.7.4 Liquidity Risk
2.7.5 Business Risk
2.7.6 Systemic Risk
2.8 Banking Regulations and Regulatory Requirements
2.8.1 Cash Reserve Ratio (CRR) and Statutory Liquid Ratio (SLR)
2.8.2 Basel III Norms
2.9 Recent Trends in Indian Banking
2.10 Measures of Bank Profitability
2.10.1 Return on Assets (ROA)
2.10.2 Return on Equity (ROE)
2.10.3 Net Interest Margin (NIM)
2.11 Determinants of Bank Profitability
2.12 Current Scenario in Indian Banking
2.12.1 Asset Quality
2.12.2 Percentage Share in Total Credit
2.12.3 Growth in Advances
2.12.4 Percentage Share in Total Assets and Profits
2.13 Operational Definitions

REVIEW OF LITERATURE

3.1 Studies in the Global Context
3.2 Studies in the Indian Context
3.3 Summary of Key Determinants of Profitability and Profitability Measures used in Select Research Studies
3.4 Conclusion

RESEARCH METHODOLOGY

4.1 Conceptual Frame Work of the Study
4.2 Research Design
4.2.1 Variables Selected
4.2.2 Development of Working Hypothesis
4.2.3 Sample Design
4.2.4 Collection of Data
4.2.5 Data Analysis
4.3 Findings Suggestions and Conclusion
4.4 Bibliography

ANALYSIS OF DATA

5.1 Test for Normality
5.2 Analysis of Key Indicators of Bank Performance
5.3 Impact of Bank Size, Lending Measures and Income Measures on Bank Profitability
5.4 Impact of Employee Productivity on Bank Profitability
5.5 Impact of Capital Adequacy and Asset Quality on Bank Profitability
5.6 Summary of Analysis
5.7 Forecasting
5.7.1 Model Fitting

FINDINGS AND CONCLUSION

6.1 Summary
6.2 Findings
6.3 Implications of the Study
6.3.1 Implications for Bankers
6.3.2 Implications for Investors
6.3.3 Implications for Regulators
6.4 Scope for Future Research
6.5 Conclusion

Bibliography

Annexures

Summary of Publications and Citations

Research Paper Publication