Performance Comparison of Select Public Sector Banks: A Case study with respect to Loans, Non-Performing Assets and Net profit
Published: 2012
Author(s) Name: Dhiraj Jain , Deepti Dashora
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Abstract
Banks performs mainly two functions i.e. accepting
deposits and granting loans and advances. It allocates
the deposits made by public in the form of loans and
advances. The paper studies the loaning activities
carried on by public sector banks. Public banks in
addition to carrying out the normal banking functions
have a development aspect added to it. These serve
as a catalyst in strengthening the countrys economic
development. Public banks provide advances through
cash credit, overdraft, bills discounted and term loans
and thus satisfies its social obligation of fulfilling the
credit needs of various sections of the society. It also
earns profit from its lending activities and also has
Non Performing Assets, so the study provides a clear
view of the extent to which the banks have been
able to fulfill their social obligation, earn profit and
the extent to which the assets have been optimally
utilized by them .
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