Sample Solution

Seema Malik in her research paper “Technological Innovations in Indian Banking Sector: Changed face of banking (2014)” has analyzed the effect of technology on transformation of banking in India. The study also concentrated on the benefits and challenges of changing banking trends. The study has determined that the technology and financial innovations have improved the banking services in India. The study has concluded that the organizational effectiveness and operational efficiency have an direct impact on growth and profitability of banks.

Malaya Ranjan Mohapatra, Avizeet Lenka and Subrat Kumar Pradhan in their study “A Study of Operational Efficiency of Commercial Banks in Indian Financial System: At a Glance (2015)” have analyzed the operational efficiency of commercial banks in India and challenges faced by public sector banks. Labour productivity, branch expansion and profitability ratios have been considered as the parameters for the study. The study determined that foreign banks are better than commercial banks in terms of internal management and employee efficiency.

H.K. Singla in his study “Financial Performance of Banks in India (2008)” has examined the profitability position of the selected sixteen banks a period of six years (2001-06). The study identifies that the profitability position was consistent during the period of study when compared to the previous years. Strong capital position and greater revenues places the banks in a better position.
Karan Walia in his study “A Study on Fundamental Analysis of Banking Sector (2012)” has examined the impact of reforms on credit deposit ratio, credit to GDP ratio, investment in government securities, share of business of public sector banks and proportion of various types of advances. He also analysed the differences in various aspects of working results of public sector and private sector banks in comparison to foreign