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A Fundamental Analysis Of Indian Banking Industry

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  • P Janaki Ramudu
  • S Durga Rao

Abstract

Investment decisions, in all sectors, have been gaining paramount importance, warranting the investors to be continuously cautious of risk and return involved in the same. The faculty ‘investment analysis’ calls for planned and meaningful appraisal of both internal and external factors affecting the returns. Ever since Indian economy opened its doors to MNCs, the Indian banking sector has been witnessing bizarre changes in terms of new products and services and stiff competition as well. The sort of IPOs that have been taking place in banking sector are amazing. In the light of these recent developments, a careful analysis of the profitability of Indian banking sector is inevitable. The present study attempts to analyze the profitability of the three major banks in India: SBI, ICICI, and HDFC. The variables taken for the study are Operating Profit Margin (OPM), Net Profit Margin (NPM), Return on Equity (RoE), Earnings per Share (EPS), Price Earnings Ratio (PER), Dividends per Share (DPS), and Dividends Payout Ratio (DPR). The study brings out the comparative efficiency of SBI, ICICI, and HDFC.

Suggested Citation

  • P Janaki Ramudu & S Durga Rao, 2006. "A Fundamental Analysis Of Indian Banking Industry," The IUP Journal of Bank Management, IUP Publications, vol. 0(4), pages 68-79, November.
    • Handle: RePEc:icf:icfjbm:v:5:y:2006:i:4:p:68-79
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    Cited by:

    1. K. V. N. Prasad & A .A. Chari, 2011. "Financial Performance of Public and Private Sector Banks: An Application of Post-Hoc Tukey HSD Test," Indian Journal of Commerce and Management Studies, Educational Research Multimedia & Publications,India, vol. 2(5), pages 79-92, July.
    2. D. Maheshwara Reddy & K. V. N. Prasad, 2011. "Evaluating Performance of Regional Rural Banks: An Application of Camel Model," Indian Journal of Commerce and Management Studies, Educational Research Multimedia & Publications,India, vol. 2(6), pages 124-128, September.

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