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Submitted by snmmns on January 12, 2008
Category: Miscellaneous
Words: 1802 | Pages: 8
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Profitability of PNB
Manish Mahajan
Roll No. 06232 Pranab Rungta
Roll No. 062
T. A. Pai Management Institute
The Indian Banking sector has undergone a sea change in the past decade with the implementation of the ongoing banking sector reforms. The sector, over the years has become more efficient with the implementation of prudential norms for asset classification and improved thrust on technology advancement. The PSBs still dominate the sector with 75% of the market share of business and profits. The new private sector banks with their technology driven business model are fast catching up with the PSBs. The last two years has seen banks book windfall gains in treasury profits. With the interest rates hardening up, banks need to focus on core profit growth. The retailisation of the banks¡¦ balance sheet has seen banks improve their asset mix with
home loans, auto loans and personal loans.
Banking Scenario
The year 2006-07 witnessed orderly trends in the financial market, although there was tightening of liquidity towards the third quarter of the year. The stance of the monetary policy of the RBI was to maintain price stability and credit quality and at the same time to ensure the productive use of the credit. RBI and the Finance Ministry have been stressing on need for rebalancing of portfolios to ease out pressures on overheated sectors like housing, commercial real estate,etc. and the need to syncronise credit growth with deposit growth.
Credit demand continued to record strong growth outpacing the deposit growth. RBI was successful in bringing a marginal reduction in non food credit growth to 28% in 2006-07 from 31.8% in 2005-06. This has been achieved by stiffer monetary tightening measures like hike in cash reserve ratio (CRR) by 150 basis points and raising the repo rate to 7.75%. Aggregate deposits rose by 23% during 2006-07.
Demand for higher...
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