This paper aims to find out the performance of the Grameen Banks of West Bengal after their merger.
Abstract
Purpose
This paper aims to find out the performance of the Grameen Banks of West Bengal after their merger.
Design/methodology/approach
The objective of the paper is to measure the performance of Paschim Banga Gramin Bank (PBGB) and Bangiya Gramin Vikash Bank (BGVB) after their amalgamation, to compare the performance of PBGB and BGVB, using the key performance indicators and to analyze the future scope of these two banks. The factors that are considered for this study are number of branches (if these banks could reach maximum of the rural mass), number of staffs (if these banks generated employment after the merger), investments, deposits, composition of total funds (owned funds and borrowed funds), lending services, productivity per branch and per staff, etc. The study uses statistical tools to analyze the data.
Findings
It has been observed that there exists a significant difference in the “Branch Network” of PBGB and BGVB. A significant difference has been observed in the “Number of Staffs” of PBGB and BGVB. It has been found that there is a significant difference in the “three type of funds” of PBGB and BGVB. It has been found that there is a significant difference in the “Investments” of PBGB and BGVB. A significant difference has been observed in the “Deposits” of PBGB and BGVB. It has been found that there is a significant difference in the “Outstanding Loan” amount of PBGB and BGVB. It has been observed that there is a significant difference in the “Loan Issued” amount of PBGB and BGVB. It has been found that there is no significant difference in the Productivity “Per Branch” and “Per Employee” of PBGB and BGVB.
Research limitations/implications
The study is based on the published/secondary data and is restricted to two Regional Rural Banks of West Bengal, the PBGB and the BGVB, for nine years, 2012–2020.
Social implications
The paper will help the future researchers, to know the performance of the Grameen Banks for the study period; this will help them to carry on with the study in the future.
Originality/value
The work is original and never sent to anywhere else for publication.
Details
Keywords
There has been an increase in the number of multinational banks (MNBs) in India and Nigeria. While the literature is replete with analysis of multinational banking in developed…
Abstract
There has been an increase in the number of multinational banks (MNBs) in India and Nigeria. While the literature is replete with analysis of multinational banking in developed countries, not much is known about the drivers of multinational banking in developing countries. This chapter uses the linear probability estimation technique and a sample of 57 Indian and Nigerian banks to investigate firm-level determinants of bank internationalization, as well as inter-bank variations in the number of foreign branches/subsidiaries. The empirical results suggest that the decision by banks from India and Nigeria to internationalize is influenced by firm-level characteristics such as after-tax profit, capital adequacy ratio (CAR), total assets (TA or bank size), volume of customer deposits (CD) and the number of domestic branches. A bank’s decision to establish a given number of foreign branches and subsidiaries depends on variables such as CAR, CD and TA. Based on the empirical results, the chapter proposes some hypotheses about bank internationalization in developing countries.
Details
Keywords
Dayashankar Maurya, Amit Kumar Srivastava and Sulagna Mukherjee
The central lesson to be learned from studying the case is to understand the challenges and constraints posed by contextual conditions in designing contracts in public–private…
Abstract
Learning outcomes
The central lesson to be learned from studying the case is to understand the challenges and constraints posed by contextual conditions in designing contracts in public–private partnerships (PPP) for financing and delivering health care in emerging economies such as India.
Case overview/synopsis
Perverse incentives, along with contextual conditions, led to extensive opportunistic behaviors among involved agencies, limiting the effectiveness of otherwise highly regarded innovative design of the program.
Complexity academic level
India’s “Rashtriya Swasthya Bima Yojana” or National Health Insurance Program, launched in 2007 provided free health insurance coverage to protect millions of low-income families from getting pushed into poverty due to catastrophic health-care expenditure. The program was implemented through a PPP using standardized contracts between multiple stakeholders from the public and private sector – insurance companies, hospitals, intermediaries, the provincial and federal government.
Supplementary materials
Teaching Notes are available for educators only.
Subject code
CSS: 10 Public Sector Management.