COMPARATIVE PERFORMANCE APPRAISAL OF INDIA’S COMMERCIAL BANKS

PRESENTED BY

Gurlovleen Kaur

ABSTRACT

Commercial banks form the most important part of Indian financial landscape in terms of their role in channeling credit to the commercial sector and facilitating the process of financial inclusion. In the era of global competition, performance is the key factor for any subject, especially in banking. The Indian banking industry is made up of the Indian public sector banks and private sector banks. In this project an effort has been made to evaluate the financial performance of commercial banks by using key performance indicators as a benchmark, generally the financial performance of bank is evaluated by working out a number of ratios depending upon the data. This study has made use of five financial parameters ,i.e. ,Capital to Risk Weighted Assets Ratio( CRAR) ,Return on Assets ( ROA), Non Performing Asset (NPA),Net interest Margin (NIM), Profit Per Employee( PPE), as these are generally accepted ratios to evaluate the performance of banks ,in order of their performance. Research plan includes decision on data sources, research approaches, research instrument, sampling plan and contact method. The present study is based on secondary data. The data is collected through various journals, studies, websites and publications of banks. The collected data is analyzed to reach at conclusions regarding the various issues related to performance of commercial banks. In this study the 10 commercial banks are selected for design the sample and evaluate their performance.

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INTRODUCTION
In this era of global competition, ‘performance’ is the catchword for any subject to remain viable in the business arena, especially in banking. The Indian banking scene is made up of the Indian public sector banks and private sector banks which are further subdivided