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Adhikari, Kingshuk
- Cost Efficiency of Public Sector Banks in India: an Empirical Study
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PDF Views:214
Authors
Affiliations
1 Department of Commerce,Assam University (A Central University), Silchar, IN
2 Department of Commerce, Assam University (A Central University), Silchar, IN
1 Department of Commerce,Assam University (A Central University), Silchar, IN
2 Department of Commerce, Assam University (A Central University), Silchar, IN
Source
Indira Management Review, Vol 10, No 1 (2016), Pagination: 4-15Abstract
The present paper aims to estimate cost efficiency of twenty five public sector banks in India for the period 2002-03 to 2011-12 with the help of Data Envelopment Analysis (DEA) model.The study reveals that the banks, on an average, could have saved 7.2 per cent of actual cost incurred. Corporation Bank has been found to be the most cost efficient bank,whereas United Bank of India has proved to be most inconsistently cost inefficient bank during the study period. Further, the study has also investigated the influence of select factors on cost efficiency. The study concludes that higher capitalisation, poor asset quality and higher volume of liquid assets adversely affect cost efficiency of the banks. On the other hand, business per employee, off-balance sheet exposure, profitability, size and market competition positively affect cost efficiency of the banks. However, the influence of size and market competition is not statistically significant.Keywords
DEA, Capital Adequacy, Asset Quality, Liquidity, Off-Balance Sheet Exposure.Full Text
References
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- Determinants of Customer Satisfaction in Life Insurance Corporation of India-An Analysis
Abstract Views :155 |
PDF Views:98
Authors
Affiliations
1 Department of Commerce, Assam (Central) University, Silchar, IN
2 Department of Commerce, H.D. Memorial College, Silchar, IN
1 Department of Commerce, Assam (Central) University, Silchar, IN
2 Department of Commerce, H.D. Memorial College, Silchar, IN
Source
Indira Management Review, Vol 5, No 1 (2011), Pagination: 15-22Abstract
The purpose of Business is to create new customers and retain old customers. Customer's orientation is the ultimate key. L id initiated necessary measures for providing better services to the policy holders. Computerization and networking of operating units is also taken up for better access. New methods like single window, customer service centers have received wide recognition and acceptance among users. L id is still ahead of the curve in terms of focus, culture and commitment. The concept customer satisfaction is developed as a way to collect and manage customer service and sales information so the business would have more comprehensive view of their customer contact. Unlike other business, a customer of LICI is different in the sense that whenever a policyholder purchases a policy from the Corporation, he becomes the customer of the organization for a long period. Thus, the organization has to keep relationship with that customer not only for the collection of premium but also for change of address, change of nominee, sending premium notice, lapsation of policies, revival of policies, settlement of claims etc. It is rightly said that it costs seven times to acquire a new customer than to retain an old customer.Keywords
Policyholders, Agents, Premium, Development Officer, Revival, Renewal.Full Text