Performance Indicators And Progress Of Indian Commercial Banks

Abstract

The impact of financial markets on the improvement of banks is reflected in changes in he impact of financial markets on the improvement of banks is reflected in changes in trend indicators, namely return on assets (ROA), capital ratio/risk-weighted assets (CRAR) and non-performing assets (NPA)), capital adequacy ratio ( CAR), also known as the ratio of capital to risk-weighted assets (CRAR), is a measure of the capital of any bank.  That is expressed as a percentage of the bank's risk-weighted credit expenditure. This article attempts to analyze the performance indicators of Indian commercial banks with the help of capital adequacy ratio, credit deposit ratio, investment deposit ratio and cash deposit ratio. Use correlation, T-test, analysis of variance, and regression models to analyze secondary data collected from various reports. Therefore, it is observed that nationalized banks perform well in terms of capital adequacy ratios, and the consistency of improvements in programmatic commercial banks is good. It is concluded that the capital adequacy ratios of different types of banks in India are due to the value of P in all cases. Less than 0.05, so they are different from each other. The performance of Indian commercial banks is measured by credit deposit index, investment deposit index and cash deposit index, from 2005 to 2020. The analysis shows that the growth rate of the credit deposit rate is higher than the investment deposit rate and the cash deposit rate. As a service industry, the banking industry has a clear functional mechanism to ensure fairness and satisfaction of bank users. Banks must take appropriate measures to ensure their own financial soundness and benefit society.