印度部分国有银行盈利能力分析比较研究

Dr. Shivani Shah
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引用次数: 0

摘要

本研究的目的是根据 Nifty PSU 银行指数调查印度五大国有银行(印度国家银行 (SBI)、巴罗达银行 (BOB)、卡纳拉银行 (CB)、旁遮普国家银行 (PNB) 和印度联合银行 (UBI))的主要盈利指标与业绩之间的复杂关系。研究基于从各银行的货币控制数据库中获取的二手数据。研究时间跨度为五年,即从 2018-19 年至 2022-2023 年。研究采用了净资产收益率(RoE)、资产收益率(RoA)、净利息收益率(NIM)和净利润率(NPM)等盈利比率以及统计技术进行分析。研究结果表明,印度国家银行(SBI)是实力和稳定性的象征,其回报率令人印象深刻。印度联合银行(UBI)仍然面临着困难,因此需要集中精力加强其不足之处,减少业绩变数。旁遮普国家银行(PNB)经历了金融衰退,当务之急是迅速采取纠正措施。在这种情况下,巴罗达银行(BOB)的净利息收益率(NIM)值得一提,但卡纳拉银行(CB)在这方面却遇到了困难。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
A COMPARATIVE STUDY ON PROFITABILITY ANALYSIS OF SELECTED NATIONALIZED BANKS IN INDIA
The purpose of this study is to investigate the complex relationship between key profitability indicators and the performance of Indias top five nationalised banks according to Nifty PSU Bank Index are - State Bank of India (SBI), Bank of Baroda (BOB), Canara Bank (CB), Punjab National Bank (PNB), and Union Bank of India (UBI). The study is based on secondary data obtained from the Money Control Database of the respective banks. The study covers time duration of five years i.e., from 2018–19 to 2022–2023. Profitability ratios like Return on Equity (RoE), Return on Assets (RoA), Net Interest Margin (NIM), and Net Profit Margin (NPM) are utilized, along with statistical techniques, for analysis. The findings of the study reveal that the State Bank of India (SBI) stands out as a symbol of strength and stability with impressive returns. Union Bank of India (UBI) is still facing difficulties, therefore strengthening its deficiencies, and reducing performance variability would require concentrated effort. As Punjab National Bank (PNB) experiences financial downturns, it is imperative that corrective action be taken quickly. In this context, Bank of Baroda (BOB) exhibits a noteworthy Net Interest Margin (NIM), but Canara Bank (CB) encounters difficulties in this regard. KEYWORDS: Nationalized Banks, Financial Performance, Profitability Analysis.
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