Recovery Of Npas Through Debt Recovery Channels In Indian Banks - An Analysis

2019 ◽  
Vol 118 (8) ◽  
pp. 245-254
Author(s):  
R. Alamelumangai ◽  
B. Sudha
Keyword(s):  
Commercial Banks ◽  
Banking Industry ◽  
Statistical Test ◽  
Financial Assets ◽  
Recent Past ◽  
The Past ◽  
Security Interest ◽  
Significant Difference ◽  
Indian Banks ◽  
Debt Recovery

Indian Banking industry is grappling with the colossal Non-performing assets in the recent past. The amount of stressed advances was enlarged and the trend of NPA recovery remains sluggish in the Scheduled Commercial Banks (SCBs). According to the RBI’s Report on Trend and Progress of Banking in India (2016), “Annual recovery rate of NPAs of SCBs has been steadily declining for the past 12 years and hit the lowest level of 20.8% during 2016-17”. Existing recovery channels, namely, Debt Recovery Tribunal (DRT), Lok Adalat and Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002(SARFAESI Act 2002) have witnessed the reduction in their rate of NPA recovery. In this study, an attempt is made to examine the effectiveness these channels in the reduction of NPAs. The effectiveness of the recovery channels is analyzed on the basis of the amount of NPAs recovered during the period of 13 years from 2005 to 2017. To understand the significant difference in the trend of NPA recovery among the existing channels, statistical test of Analysis of Variance (ANOVA) has been used.

scholarly journals Impact Of Camel Model In Determining The Health Status Of Indian Banking Industry

2019 ◽  
Vol 8 (10) ◽  
pp. 4575-4581
Keyword(s):  
Health Status ◽  
Financial Stability ◽  
Systematic Approach ◽  
Banking Industry ◽  
Research Paper ◽  
Recent Past ◽  
Financial Status ◽  
Ranking Model ◽  
Indian Banks ◽  
The One

The banking industry is the one which can contribute more to the development of the nation’s GDP. The monitoring of the banks and supervising their performance has become very crucial due to the material changes happens in the nonperforming assets of the banks in the recent past. In order to ensure the financial stability of the nation, we need to follow a systematic approach to evaluate the performance of the banks. the present paper made an attempt to find the financial performance of the banks by using the CAMELS Ranking Model. With this research paper we can provide a solution to rank the banks financial status as well as by using this method or approach we came to how efficient our indian banks based on their performance. This research paper evaluates the bank's performance by using the CAMELS model.

Non-performing assets and technical efficiency of Indian banks: a meta-frontier analysis

2018 ◽  
Vol 25 (7) ◽  
pp. 2105-2125 ◽  
Author(s):  
Nitin Arora ◽  
Nidhi Grover Arora ◽  
Kritika Kanwar
Keyword(s):  
Technical Efficiency ◽  
Commercial Banks ◽  
Banking Industry ◽  
Efficiency Score ◽  
Commercial Banking ◽  
Foreign Banks ◽  
Undesirable Output ◽  
Content Type ◽  
Frontier Analysis ◽  
Indian Banks

Purpose The issue of mounting non-performing assets (NPAs) in Indian banking industry is serious and attracting attention of academia and policy planners. Thus, the purpose of this paper is to test the hypothesis whether NPAs in Indian commercial banking have reached at alarming state where they start affecting the technical efficiency levels adversely or not. Design/methodology/approach The efficiency score have been computed using case model (model with NPAs as bad/undesirable output) vs control model (model without NPAs as bad/undesirable output) methodology under meta-frontier data envelopment analysis framework. Findings It has been noticed that the effect of NPAs on overall technical efficiency and its various components is insignificant. The comparison of the case models (i.e. model with NPAs as bad output) with the control models (i.e. model without NPAs) reveals insignificant difference in average efficiency scores and rank distribution of commercial banks. The major source of inefficiency is technology gap (i.e. structure, setup and objectives of banking) among public, domestic private and foreign private categories of banks. Practical implications Though NPAs are increasing in Indian banking industry and specifically in Indian public sector banks because of their compulsory lending to priority sector yet the banks have huge scope to extend credit to priority sector as the NPAs have not reached at alarming stage where they start affecting adversely the efficiency performance. Originality/value Given the fact that the banking penetrations, structure and objectives differ significantly across ownership, separate frontiers for each ownership (public, private and foreign banks) category has been used to evaluate the technical efficiency levels of 81 commercial banks operating in India over the period 2005 to 2013.

Measuring the performance of the Indian banking industry: data envelopment window analysis approach

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Shakeb Akhtar ◽  
Mahfooz Alam ◽  
Mohd Shamim Ansari
Keyword(s):  
Commercial Banks ◽  
Banking Industry ◽  
Foreign Banks ◽  
Analysis Approach ◽  
Scale Efficiency ◽  
Data Envelopment ◽  
Content Type ◽  
Window Analysis ◽  
Indian Banks ◽  
The Individual

PurposeThis study aims to empirically evaluate the performance of commercial banks operating in India.Design/methodology/approachThe efficiency of the commercial banks is evaluated using the data envelopment analysis (DEA) approach. We measure the technical, pure technical and scale efficiency of the sampled conventional banks using the input-oriented model. We employed an extended DEA window analysis approach based on a panel sample of 47 banks in the Indian scenario. The period of study is from 2009 to 2018.FindingsThe results obtained from CRS and VRS measures envisage that Indian banks have failed to manage their inputs efficiently and convert them into outputs. It implies that Indian banks do not operate at an optimum level. Moreover, the results show that public banks exhibit superior efficiency scores followed by private and foreign banks. Apart from the aggregate sector level, we also investigate the performance of Indian banks at the individual level for in-depth analysis. The individual bank-level analysis reports that the public sector banks (PSBs) are the most efficient followed by foreign banks, whereas, the least efficient are the private banks.Research limitations/implicationsThe findings of our study have implications for government, financial institutions and policymakers to access the verve and flexibility of the Indian banking system. The government should consider restructuring inefficient banks to enhance overall performance. This can be considered by improvement in managerial efficiency, efficient allocation of scarce resources and appropriate scale of operation. However, the findings of the study should be interpreted in light of the period of study for the banks being operational (as we filter out banks that ceased to exist) in India and empirical methods employed. The results may vary if alternative measures are used.Originality/valueThe present paper investigates the efficiency of the Indian banking sector employing the Data Envelopment Window Analysis (DEWA) technique. To the best of our knowledge, the present study is perhaps the first one to employ the DEWA measure on the Indian banking industry to gauge their performance over time.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BUS DAN UUS ANTARA SEBELUM DAN SELAMA PANDEMI COVID-19

2021 ◽  
Vol 8 (2) ◽  
pp. 87
Author(s):  
Asmirawati Asmirawati ◽  
Mia Kurniati
Keyword(s):  
Commercial Banks ◽  
Quantitative Method ◽  
Statistical Test ◽  
Comparative Approach ◽  
Rank Test ◽  
Financial Reports ◽  
Business Units ◽  
Signed Rank ◽  
Significant Difference ◽  
Signed Rank Test

This study aims to analyze the financial performance of Islamic commercial banks and Islamic business units between before and during the pandemic. This study uses an analysis of the soundness of banks known as CAMEL, which is proxied into the ratio of CAR, NPF, ROA, BOPO and FDR. This study uses a quantitative method by using a comparative approach that compares the similarities or differences of two or more properties and objects studied in a certain frame of mind. This study uses monthly financial reports in 2019-2020. The population of this research is Islamic commercial banks and Islamic business units that issue monthly financial reports. The statistical method used is the descriptive statistical test and Wilcoxon signed-rank test. The results show significant differences in the CAR ratio of Islamic commercial banks, NPF of Islamic commercial banks and Islamic business units, BOPO of Islamic business units, and FDR of Islamic commercial banks. Meanwhile, there was no significant difference between before and during the pandemic for the ROA of Islamic commercial banks and Islamic business units, BOPO of Islamic commercial banks, and FDR of Islamic business units.

scholarly journals COMPETITIVE CONDITIONS IN BANKING INDUSTRY: AN EMPIRICAL ANALYSIS OF THE CONSOLIDATION, COMPETITION AND CONCENTRATION IN THE INDONESIA BANKING INDUSTRY BETWEEN 2001 AND 2009

2012 ◽  
Vol 14 (2) ◽  
pp. 141-175 ◽  
Author(s):  
Tri Mulyaningsih ◽  
Anne Daly
Keyword(s):  
Mergers And Acquisitions ◽  
Commercial Banks ◽  
Banking Industry ◽  
Market Competition ◽  
Market Concentration ◽  
Competitive Market ◽  
Financial Report ◽  
Conventional View ◽  
The Past ◽  
Banking Market

Few large banks dominate the Indonesia banking industri. Furthermore, in the past ten years, there were a series of mergers and acquisitions in the banking market. The facts cause implications on competition. In this paper, we examine these issues exploiting an unconsolidated annual financial report of all commercial banks between 2001 and 2009. The Panzar-Rose method is employed to examine the banks behavior in competition. Estimates indicate that banks in all three subsamples, large; medium-sized and small are working in a monopolistically competitive market. The analysis of market concentration supports the conventional view that concentration impairs competition. The study shows that the most competitive market was the medium-sized banks because it was least concentrated. In contrast, the large market was more concentrated thus it was less competitive. The consolidation policies driven by the Central Bank reduced market concentration because mergers and acquisitions were mostly conducted by the mediumsized and small banks. Further the improvement of market share distribution and the increasing capacity of the merging banks enhanced competition in the Indonesia banking industry.JEL Classification: D43, G21Keywords: Banking, market competition, market structure

The performance of Islamic banking among the commercial banks in Malaysia

2008 ◽  
Vol 5 (1) ◽  
pp. 59
Author(s):  
Samsuwatd Zuha Mohd Abbas ◽  
Norli Ali ◽  
Aminah Mohd Abbas
Keyword(s):  
Commercial Banks ◽  
Positive Impact ◽  
Bank Performance ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Return On Equity ◽  
Accounting Performance ◽  
Significant Difference ◽  
The Mean

This paper examines the accounting performance of the Islamic banking among (??) commercial banks in Malaysia. A total of 18 commercial banks which include 4 Islamic banks are selected as samples covering the period of 2000 - 2006. Accounting performance is measured by the return on assets (ROA) and return on equity (ROE). The objective of the study is (1) to determine whether Islamic banking performance is at par with the conventional banking and (2) to investigate whether the type (Islamic or conventional bank) and age of bank influence the performance. Result of the independence t-test of the study shows that there is no significant difference in the performance of the Islamic and the conventional banking in Malaysia although the mean score for conventional banking is higher. The regression results show that the age of banks has a positive impact on the bank performance where as none of the types of banks influence performance.

Measurement of Vulnerability of Financial Portfolio of Sharia Commercial Banks by Cardona Method

2017 ◽  
Vol 9 (2) ◽  
pp. 109
Author(s):  
Paulina Harun ◽  
Atman Poerwokoesoemo
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Banking Industry ◽  
Policy Makers ◽  
Factors Affecting ◽  
Section Data ◽  
Initial Stage ◽  
The Face ◽  
Asset Portfolio

his study aims to: (1) to know and analyze the extent of volatility (vulnerability) of sharia banking industry in Indonesia in the face of competition (2) to know and analyze factors affecting vulnerability of sharia commercial banks; (3) to know and analyze the extent of sustainable development of sharia banking industry to Indonesia's economic development.The research conducted to measure the vulnerability (volatility) of proto folio of syariah bank using observation period 2015, and the data used is cross section data. The research design used in this research is quantitative research, using asset dimension (asset portfolio, liability portfolio, equity portfolio) and stressor (pressure, including: credit risk, market risk, and liquidity risk).The activity plan of this research is: in the initial stage of conducting theoretical study related to the vulnerability related to banking especially BUS; The next step is to determine the asset and stressor dimensions associated with the BUS; Further determine the indicators related to assets and stressors; The next step performs calculations to determine the index of each BUS as well as the dimensions that affect the vulnerabilities faced by each BUS.Target expected outcomes can be generated from this research is: for the object of research (BUS) provide a solution for BUS to deal with and overcome the vulnerabilities encountered and policies that must be done. For policy makers, the results of this study are expected to provide input in decision-making and other policies.Measurement of vulnerability to be performed related to banking operations in the face of competition and the continuity of BUS in Indonesia. The outcomes of this study are expected to be included in Bank Indonesia journals, the selection of this journal is based on studies conducted in the banking sector, especially BUS in Indonesia.

A Novel Simplified AES Algorithm for Lightweight Real-Time Applications: Testing and Discussion

2020 ◽  
Vol 13 (3) ◽  
pp. 435-445 ◽  
Author(s):  
Malik Qasaimeh ◽  
Raad S. Al-Qassas ◽  
Fida Mohammad ◽  
Shadi Aljawarneh
Keyword(s):  
Processing Time ◽  
Block Size ◽  
Statistical Test ◽  
Mathematical Proofs ◽  
The Past ◽  
Aes Algorithm ◽  
Cryptographic Algorithm ◽  
Cryptographic Algorithms ◽  
Compare And Contrast ◽  
Constrained Devices

Background: Lightweight cryptographic algorithms have been the focus of many researchers in the past few years. This has been inspired by the potential developments of lightweight constrained devices and their applications. These algorithms are intended to overcome the limitations of traditional cryptographic algorithms in terms of exaction time, complex computation and energy requirements. Methods: This paper proposes LAES, a lightweight and simplified cryptographic algorithm for constricted environments. It operates on GF(24), with a block size of 64 bits and a key size of 80-bit. While this simplified AES algorithm is impressive in terms of processing time and randomness levels. The fundamental architecture of LAES is expounded using mathematical proofs to compare and contrast it with a variant lightweight algorithm, PRESENT, in terms of efficiency and randomness level. Results: Three metrics were used for evaluating LAES according to the NIST cryptographic applications statistical test suite. The testing indicated competitive processing time and randomness level of LAES compared to PRESENT. Conclusion: The study demonstrates that LAES achieves comparable results to PRESENT in terms of randomness levels and generally outperform PRESENT in terms of processing time.

scholarly journals POS1280 SPINAL LOCATION OF TUBERCULOSIS: WHAT HAS CHANGED OVER THE LAST YEARS?

2021 ◽  
Vol 80 (Suppl 1) ◽  
pp. 923.3-923
Author(s):  
S. Boussaid ◽  
M. Mrabet ◽  
S. Jemmali ◽  
H. Sahli ◽  
H. Ajlani ◽  
...  
Keyword(s):  
Neurological Complications ◽  
Developing Nations ◽  
Lumbar Pain ◽  
X Rays ◽  
Resonance Imaging ◽  
Vertebral Collapse ◽  
The Past ◽  
Significant Difference ◽  
Tuberculous Spondylodiscitis ◽  
Different Parts

Background:Tuberculosis (TB) is no longer a disease limited to developing nations and is still a major cause of significant morbidity and mortality worldwide. It can affect the different parts of the spine.Objectives:The aim of this study was to determine the preferred spinal location of TB.Methods:We conduct a retrospective and descriptive study in a single rheumatology department. Data were collected from observations of patients hospitalized in the past 20 years (2000-2020) who have been diagnosed with tuberculous spondylodiscitis (TS).Results:Fifty-two patients were included (37F/15M). Their mean age was 55.21 years ± 17.79 [19-91]. TS was more frequently unifocal (75%) than multifocal (25%). Lumbar spine involvement was the most common (57.7%) and more frequent in women (63.3%) but with no statistically significant difference (p = 0.2). Other localizations were described such as: dorso-lumbar (21.2%), dorsal (15.4%), lumbosacral (3.8%) and cervical (1.9%). Lumbar pain was present in 34 patients (65.4%) and 29 patients (55.8%) suffered from segmental lumbar stiffness. Imaging was contributive by showing the vertebral location using standard X-rays, computed tomography and magnetic resonance imaging. Disc pinch, erosion of vertebral plateaus and vertebral collapse were the major signs (82.7%, 65.4% and 67.3%, respectively).Conclusion:TS is a rare but serious clinical condition which may lead to severe deformity and early or late neurological complications. Spinal involvement is often unifocal and mostly diagnosed with lumbar pain or stiffness. Multifocal forms, touching several parts of the spine, however remain rare. Our findings remain consistent with those of the literature.Disclosure of Interests:None declared

scholarly journals Levels of Evidence in Rhinology and Skull Base Surgery Research

2021 ◽  
pp. 019459982098713
Author(s):  
Jennifer A. Silver ◽  
Marco Mascarella ◽  
George Tali ◽  
Rickul Varshney ◽  
Marc A. Tewfik ◽  
...  
Keyword(s):  
Skull Base ◽  
Skull Base Surgery ◽  
Absolute Number ◽  
High Quality ◽  
Level Of Evidence ◽  
Levels Of Evidence ◽  
The Past ◽  
Significant Difference ◽  
Surgery Research ◽  
Based Medicine

Objective The purpose of this study was to evaluate the quality of evidence of rhinology and rhinologic skull base surgery (RSBS) research and its evolution over the past decade. Study Design Review article. Setting We reviewed articles from 2007 to 2019 in 4 leading peer-reviewed otolaryngology journals and 3 rhinology-specific journals. Methods The articles were reviewed and levels of evidence were assigned using the Oxford Centre for Evidence-Based Medicine 2011 guidelines. High quality was defined as level of evidence 1 or 2. Results In total, 1835 articles were reviewed in this study spanning a 13-year period. Overall, the absolute number of RSBS publications increased significantly 22.6% per year, from 108 articles in 2007 to 481 in 2019 ( P < .001; 95% CI, 7.9-37.2). In 2007, only 13 articles, or 15%, were high quality, and this grew to 146 articles, or 39%, in 2019. A 14.0% per year exponential increase in the number of high-quality publications was found to be statistically significant ( P < .001; 95% CI, 7.2, 20.7). Overall, high-quality publications represented just 25.8% of RSBS articles overall. There was no significant difference in quality between rhinology-specific journals and general otolaryngology journals (χ2 = 3.1, P = .077). Conclusion The number of overall publications and of high-quality RSBS publications has significantly increased over the past decade. However, the proportion of high-quality studies continues to represent a minority of total RSBS research.

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