New Competition and Emerging Changes in Indian Banks: An Analysis of Comparative Performance of Different Bank Groups

Dr. R.K.Uppal .


The post era of banking sector reforms have gave birth to fierce competition in inter and intra bank groups in India. There is a paradigm shift in performance parameters of various types of banks and bank groups. The emerging competition has resulted in new challenges for the Indian banks especially :for public sector banks to retain their share, retain customer base and create a new customer base. In this emerging new competition, present paper concentrate mainly on those factors which influence the relative share of banks in the era of post second banking sector reforms era (2003 to 2008). The paper concludes that the public sector banks are in dominant position in terms of  total assets in all scheduled commercial banks. Profitability has recorded deterioration in all the banks as public sector banks witnessed the least profitability along with the highest cost and decreasing spread as a percentage of total assets even succeeded to bring down their NPAs and intermediation cost.


Emerging Competition, Total Assets, Rural Branches, Public Sector Banks, NPAs and Net Non-Performing Assets

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