Management Efficiency in Private Sector Banks of India

Udeybir Singh ., Dr. Mandeep Kaur .

Abstract


Economic development of a country depends upon the status of its banking industry. No government can even dream of implementing its developmental plans and programmes without developing sound and effective financial systems. Banks act as a channel to put in productive use, the saving of the masses of a country. They act as trustee of public funds. Main business of every bank is to create, buy or sell money. As a result they affect the lives of millions. Therefore sound and effective control mechanism is always required to regulate banking operations. Reserve Bank of India (RBI), which is controlling authority of financial operations in India, has developed on-site and off-site monitoring systems for Indian Banks. An important tool of this mechanism is CAMEL analysis. It examines the capital adequacy, assets health, management efficiency, earning capacity and liquidity position of a Bank. In this paper we have made an attempt to evaluate the management efficiency of private sector banks in India.

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