In order to use our Yosnalab shopping services, you need to read carefully about our terms and conditions. If You disagree any part of terms then you cannot access our service.
I agree to pay the rental rate for the period we used the product and in transit and further agrees to promptly return the products at the end of the rental period in the same condition as received.
I will give alert to Yosnalab if my contact information changes.
I also agree to pay for any damages to, or loss of, the rented merchandise occurring during their time of possession or because of loss and or damage of the products. Upon return and inspection if any and all repairs necessary and or accessories missing that were itemized will be charged at our current rates and billed to you.
A full day rental is charged, even for a partial day use. There are absolutely no refunds for early returns.
The products can be used upto 4 weeks only, Cost will be calculated as per day of usage. We are not responsible for the damage of materials or other liability of any kind resulting from the use or malfunction of the equipment. We will not return the initial deposit of money until the product is returned back.
I am responsible for keeping track of my due dates. I understand that any notices sent out by Yosnalab are a courtesy only and failure to receive them does not excuse me from any charges.
A copy of both sides of their valid institution identification card need to be present. Depositing the money can be done only in the form of cash, not through credit/debit cards.
If you have questions or suggestions, please contact us.
In this project, we analyze the performance of commercial banks in India during the period 2014 to 2018. Specifically, the project examines the behavior of profitability, cost of intermediation, efficiency, and soundness of the banking system for public and private sector Indian commercial banks. The empirical results show that competition in the Indian banking industry has intensified. While the net interest margin has improved, the cost of intermediation is rising and banks are responding to the increased costs with higher efficiency levels.
Banks form a fundamental component of the financial system and are also active players in financial markets. An efficient banking system capable of mobilizing the savings and channeling them to productive purposes is essential for the development of any economy. The objective of the study is to analyze and compare the overall financial performance analysis of selected public and private sector banks in India. The study is based on secondary data that has been collected from annual reports of the respective banks and Reserve Bank of India website. This research study covers five years i.e. from the financial year 2011-2012 to 2015-2016. A quota sample method is used to select ten banks i.e. five from the public sector and five from the private sector has been selected and the criteria are based on highest market capitalization generated by banks during 2015-2016. T-test, mean and graphs are used to analyze the data. Although there was an increase in profitability for both sector banks the rate of growth is higher for private sector banks. Public sector banks are lagging in many financial parameters and they are facing many challenges also. It is concluded that Public sector banks must redefine their strategies by considering their strengths and weakness and the type of market they are operating.
Why: Problem statement
Banks are the backbone of every economy. Banks must remain healthy financially. Otherwise, a financial crisis can hit a country leading to recession like the US in 2008. This is especially true for developing countries like India. The banks are the lifelines of the economy and play a catalytic role in activating and sustaining economic growth, especially, in developing countries.
Banks in India face different kinds of problems, which have affected their profitability and financial stability.
How: Solution description
Commercial banks have to overcome their problems in terms of profitability and financial stability. Nowadays, there are so many banks in India and they want to capture customers to show their strength. But they want to keep eye on their profitability and financial stability for running their business as well as to develop the Indian economy.
Solution the above problems are,
Know your customer
Keep eye on changing interest rate to generate the profit
Know the source for repaying the loan
Reduce their cost and maximize their profit in financial inclusion
Reduce their NPA
How is it different from competition
We have taken both public and private sector banks by simple random sampling instead of not going for the top-performing banking companies. We have taken the necessary financial ratios for the development of banks in the future. We have taken the period of last 5 years and it also includes effects such as demonetization and GST by the Central Government.
Who are your customers
Investing people who want to invest their money in the stock market by stock market analyst. (particularly in the banking sector)
Bank's customer who deposit their money in banks.
Both public and private sector banks.
Small Finance institutions.
Project Phases and Schedule
Phase 1 - Collecting the data
Phase 2 - Finding the financial ratios
Phase 3 - Data analysis
Phase 4 - Graphs to compare the financial ratios over the time period
Phase 5 - Suggestions to improve their performance( Comercial Banks)
CNBC’s moneycontrol.com website for collecting the data