This case describes how banking in India has changed after developments in information technology in the last decade. The new private and foreign banks, which are strong in technology, are giving tough competition to old public sector banks. Private banks have pioneered Internet banking, phone banking, anywhere banking, mobile banking, debit cards, automatic teller machines (ATMs), and retail b...

This paper attempts to investigate the existence of Market Discipline in the Indian commercial banks over the period 2001-2008 i.e., 7 years. This period is characterized by second round of banking sector reform as suggested by Narsimham Committee for banking restructuring and market discipline. A total of 63 scheduled commercial banks were taken as the sample size which included 27 public sect...

tions of an independent developing nation. In this context, as in other developing countries, an important function of the Government and the CBSL was to promote the development of the country’s financial system. In the 1960s and 1970s, the major emphasis was on localising and expanding the financial system into remote areas with state support and participation. The Government intervened in the...

Despite the implementation of several banking sector reforms, the real sector in Nigeria is still finding it difficult to access financial resources especially from the commercial banks that hold about 90% of the total financial sector assets. Nominal interest rate is high causing many firms to avoid bank-borrowing. Other formidable financing challenges are concentration of bank credit to the o...

In light of the positive growing finance–private sector–economic growth findings, this article examines, from a supply side perspective, obstacles to private sector financing in Fiji, a growth deprived, small island developing state in the Pacific region. A survey of 80 percent of formal financial institutions reveals that, contrary to popular belief, financing the private sector may not be a m...

Privatization which refers to the transition of ownership and management of state-owned enterprises to the private sector, is one of the main drivers of economic prosperity. In this paper, the performance of the state, private, and privatized banks have been compared through examining the effects of privatization in the banking system on its performance. The data from 11 banks during the 13-yea...

Until 1994, the financial system in Brazil was almost entirely geared towards maximizing float income, which answered for close to half of the overall earnings of commercial banks. That required banks to be efficient, above all, in processing transactions, such as the payment of bills and checks. Credit granting activities were, as a consequence, of much less importance, since very little credi...

This study uses CRR model and BCC model to estimate the technical and scale efficiency of commercial banks in India during the periods 2006-2010. The results indicate that deregulation of banking sector has led to an increase in the efficiency of commercial banks in India. This increase in efficiency of banks in India is not only because of increase in pure technical efficiency but also due to ...

The banking sector is one of the important financial intermediaries in an economic system. Improvement in the banking sector can achieve optimal allocation of financial resources. The performance of banks and other financial service providers has direct effect on economic growth. One of the factors that can affect the banks operation is economic freedom. Economic freedom and freedom of private ...