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Frozen Days

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Submitted By davidbilla
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The study by (Deepti Tripathi, 2014) helps to Analyze the Financial Position and Performance of the Axis and Kotak Mahindra Bank in India based on their financial characteristics based on the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

Bhayani (2006) analyzed the performance of new private sector banks through the help of the CAMEL model. Four leading private sector banks – Industrial Credit & Investment Corporation of India, Housing Development Finance Corporation, Unit Trust of India and Industrial Development Bank of India - had been taken as a sample. Sanjay J. Bhayani (2006) in his study, “Performance of the New Indian Private Banks: A Comparative study”. The study covered 4 leading private sector banks- ICICI, HDFC Bank, UTI and IDBI. The result showed that the aggregate performance of IDBI Bank is the best among all the banks. (Bhayani, 2006)

Dr.K.Srinivas and L.Saroja (2013) conducted a study to compare the financial performance of HDFC Bank and ICICI Bank. From the study it is clear that there is no significance difference between the ICICI and HDFC bank’s financial performance but we conclude that the ICICI bank performance is slightly less compared with HDFC. (K. Srinivasl, 2013)

There are number of indicators for evaluating financial performance of banks on the basis of the financial measures. Usually the financial performance of the institutions has been measured by using a combination ratio analysis, benchmarking, and measure performance against budget or a mix of these methods (Avkiran, 1995).

A survey conducted by (Meryem Duygun-Fethi (School of Management, 2009) has shown that the performance of banks has been an issue of major interest for various stakeholders such as depositors, regulators, customers, and investors. While bank performance has been traditionally evaluated on the basis of financial ratios, advances in operational research (O.R.) and artificial intelligence (A.I.) have resulted in a shift towards the use of such state-of-the-art techniques.

The financial institution or banks are the crucial ways not only for financing activities but also provides all types of activities related to finance. The main thing in the mind of financial performance researcher and learner is that increasing financial performance is the way to improve financial activities. Financial performance of financial institutions is well advanced in its measurement within the field of finance and management. In order to evaluate and rank the banks the financial indictors or measures are taken from audited annual statement of the banks. [ (Shahid Munir, 2012) ]

Bibliography
Avkiran. (1995).
Bhayani, S. J. (2006). Performance of the New Indian Private Banks – A Comparative Study. Banking Review: pp 55 – 59.
Deepti Tripathi, k. M. (2014). Financial performance of axis and kotak Mahindra Bank in the post reform era:Analysis on CAMEL model. International journal of business quantitative economics and applied management research , vol 1,issue 2.
K. Srinivasl, S. (2013). Comparative Financial Performance of HDFC BANK and ICICI BANK. Scholars world-International Refereed Multidisciplinary Journal of Contemporary Research , Volume.1, Issue.2, July 2013 [107].
Meryem Duygun-Fethi (School of Management, U. o. (2009). Assessing Bank Performance with Operational Research and Artificial Intelligence Techniques: A Survey. University of Bath School of Management- Working Paper Series , 4-10.
Shahid Munir, D. M. (2012). Financial Performance Assessment of Banks: A Case of Pakistani Public Sector Banks. International Journal of Business and Social Science , Vol. 3 No. 14.

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