Financial Analysis of SBI: a study with special reference to Indian Banking Industry

Author(s):  
Barinder Singh
Author(s):  
Syed Abdul Hameed

<div><p><em>The vital constituent of an economy are Banks. The significance of banking sector is highlighted by the fact that it is an internationally regulated industry and the banks are under the purview of financial regulators of the country. It is of pivotal significance that the banks have robust corporate governance. A new clause 49 was introduced by SEBI in the listing agreement before a decade mentioning the principles of corporate governance to be followed by the listed companies. In the following years SEBI revised clause 49 several times after incorporating the recommendation of various committees. After taking into account the various trends and factors related to corporate Governance the topic entitled. "A comparative study of corporate standards and practices with special reference to Indian Banking Industry" has been drafted to assess the structure and processes of corporate governance followed by select banks in India and their effectiveness in the content of substance and quality of reporting of corporate governance activities in the annual reports. The study also looks in to the state of compliance of key governance benchmarks in the select banks and offers suggestions to accomplish better governance standards. </em></p></div>


ICR Journal ◽  
2015 ◽  
Vol 6 (1) ◽  
pp. 76-91
Author(s):  
Ahmad Badri Abdullah ◽  
Tawfique Al-Mubarak

Ijarah-based financing is currently generating greater interest among industry players and policy makers due to its minimal risk exposure. Being asset-backed it has a lesser risk overload, no default risk and better profits and now offers a viable alternative to controversial debt-based financing instruments. This paper attempts to highlight the benefits of applying the objectives (maqasid) of ijarah contract and how a diligent compliance to its maqasid can help manage Shari’ah and business risks. It is also hypothesised in this study that a sincere compliance to the Shari’ah’s objectives in financial transaction (maqasid al-mucamalat) would reduce risks in the Islamic banking industry. Current applications of ijarah-based instruments by Islamic banks in Malaysia are analysed to show the gaps between its theoretical presumptions and the actual applications on the ground. Some unresolved Shari’ah issues relating to the implementation of al-ijarah thumma al- bayc (AITAB) (a contract of leasing ending with a sale) as well as issues regarding sukuk al-ijarah (leasing bond) are discussed in order to provide evidence for such dissonances. The study recommends constructive measures to be undertaken by policy makers to resolve the governance and legal problems with regard to the implementation of AITAB and sukuk al-ijarah.


2021 ◽  
Vol 10 (1) ◽  
pp. 12-19
Author(s):  
Gazmend Nure

Albanian banks and finance, following the changes from the communist to the capitalist systems, in their current form, are a relatively new industry. The banking industry is the most important segment of the Albanian financial system and therefore requires more attention when it is about financial analysis. This paper theoretically and analytically deals with a brief presentation of the banking industry in general and the explanation of the primary risks associated with financial instruments. It will also mention the key challenges facing the banking industry and growth prospects.


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