CAMELS RATING OF INDIAN BANKING SECTOR


Book Description

The banking industry is a vital part of the financial system. It aids in the stimulation of capital formation, innovation, and monetization, as well as the facilitation of monetary policy and plays an important part in the economic development of countries (Said & Tumin, 2011). It acts as a catalyst for achieving a long-term economic upswing through effective fiscal intervention. A financially sound system encourages investment by funding lucrative market niches, mobilising savings, efficiently dispensing resources and making commodity and service trading more convenient (Echekoba et al., 2014). During the liberalisation process in India, the banking industry has changed significantly. Since 1969, when the Indian government nationalised all major banks, the banking sector in India has been dominated by public sector banks.




Ranking Selected Public Sector Banks in India based on the Camel Rating Methodology


Book Description

Research Paper (postgraduate) from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1, , language: English, abstract: The CAMEL rating is a well established technique to compare the performance of banks and financial institutions. We compare a sample of five public sector banks in India, ranking them via the CAMEL rating. Of the banks chosen for the study SBI ranked first in capital adequacy, asset quality and earnings quality. IDBI ranked first in management efficiency while BOB ranked first in liquidity. The bank with the best overall CAMEL rank proved to be SBI. By providing a basis of comparison for different banks the CAMEL rating can yield valuable insight to several stake holders of banks such as bank management, investors and regulators.







Determinants of Ex-Ante Banking System Distress


Book Description

This paper empirically analyzes the contribution of microeconomic and macroeconomic factors in five recent episodes of banking system problems in the U.S. Southwest (1986–92), Northeast (1991–92), and California (1992–93); Mexico (1994–95); and Colombia (1982–87). The paper finds that a low capital equity and reserve coverage of problem loans ratio is a leading indicator of bank distress, signaling a high likelihood of near-term failure. Distress is shown to be a function of the same fundamental macro-micro sources of risk that determine bank failures. Focusing on distress has the advantage that the fragility of the banking system can be assessed before a crisis actually occurs.




The Federal Reserve System Purposes and Functions


Book Description

Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.




Insurance and Issues in Financial Soundness


Book Description

This paper explores insurance as a source of financial system vulnerability. It provides a brief overview of the insurance industry and reviews the risks it faces, as well as several recent failures of insurance companies that had systemic implications. Assimilation of banking-type activities by life insurers appears to be the key systemic vulnerability. Building on this experience and the experience gained under the FSAP, the paper proposes key indicators that should be compiled and used for surveillance of financial soundness of insurance companies and the insurance sector as a whole.




Finding the Bad Apples in the Barrel: Using the Market Value of Equity to Signal Banking Sector Vulnerabilities


Book Description

This paper measures the performance of different metrics in assessing banking system vulnerabilities. It finds that metrics based on equity market valuations of bank capital are better than regulatory capital ratios, and other metrics, in spotting banks that failed (bad apples). This paper proposes that these market-based ratios could be used as a surveillance tool to assess vulnerabilities in the banking sector. While the measures may provide a somewhat fuzzy signal, it is better to have a strategy for identifying bad apples, even if sometimes the apples turn out to be fine, than not being able to spot any bad apples before the barrel has been spoiled.




Quantitative Tourism Research in Asia


Book Description

The purpose of this book is twofold. First, this book is an attempt to map the state of quantitative research in Asian tourism and hospitality context and provide a detailed description of the design, implementation, application, and challenges of quantitative methods in tourism in Asia. Second, this book aims to contribute to the tourism literature by discussing the past, current and future quantitative data analysis methods. The book offers new insights into well-established research techniques such as regression analysis, but goes beyond first generation data analysis techniques to introduce methods seldom – if ever – used in tourism and hospitality research. In addition to investigating existing and novel research techniques, the book suggests areas for future studies. In order to achieve its objectives the analysis is split into three main sections: understanding the tourism industry in Asia; the current status of quantitative data analysis; and future directions for Asian tourism research.




ICASDMBW 2022


Book Description

In today’s complicated environment, strategic organizational decision-making is a dynamic process marked by a high degree of uncertainty. It is anticipated that the technological potential of artificial intelligence (AI) will provide additional support, but research in this area is still in its early stages. Nonetheless, because the technology is intended to perform functions beyond those of traditional machines, the implications for the division of work and the defining of roles established in the current human–machine relationship are being explored with more awareness. Taking this into consideration ICASDMBW-2022 was flourishingly organized on Dec 16-17, 2022 at Rukmini Devi Institute of Advanced Studies, Delhi. The conference was organized with the purpose to see the applications of AI in the business world and management decision-making. More than 100 participants from around the world participated in the conference and shared their insights, and research ideas relevant to the theme of the conference. We are pleased to inform you that, following careful evaluation, the conference panel has chosen 21 excellent papers from the submissions and assembled them into the proceedings. The following themes are included in the proceedings, although they are not restricted to AI in Human Resources, AI in Finance, AI in Education, AI in Marketing, Statistical analysis, etc. Each manuscript has undergone thorough review and editing in order to ensure that it satisfies publication standards.




NCUA Rules and Regulations


Book Description