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Outline v3
Outline v3
Outline v3
CONTENTS
Sr. No.
Headings
1.
Introduction:
2.
Literature Review
3.
4.
Hypothesis
5.
Research Methodology
6.
Scheme of Chapters
7.
References
Page No.
1. Introduction:
From the ancient times banking is prevalent in India. The evidences of loans are
found in vedic Period (beginning 1750 BC). During the Mauryas Empire (321 to
185 BC), an instrument called adesha was in use, which was an order on a
banker desiring him to pay the money to a third person, which resembles to a bill
of exchange as known today. During the Buddhist period, there was
considerable use of these instruments. Merchants in large towns used to give
letters of credit to one another. The guarantees were also used to be given in
those days which resembles with the BGs and LCs as known today. The banking
era in actual sense originated in the last decades of the 18th century.
followed in 1980. The stated reason for the nationalization was to give the
government more control of credit delivery. With the second dose of
nationalization, the Government of India controlled around 91% of the
banking business of India. Later on, in the year 1993, the government
merged New Bank of India with Punjab National Bank. It was the only
merger between nationalized banks and resulted in the reduction of the
number of nationalized banks from 20 to 19. After this, until the 1990s, the
nationalized banks grew at a pace of around 4%, closer to the average
growth rate of the Indian economy.
Capital of Banks:
Every business to be run smoothly needs capital contribution by its owners.
Apart from this capital, the regulator i.e. RBI has prescribed some
norms/regulations/regime for the adequacy of capital for banks, also
known as the regulatory capital of the bank. The capital requirement for
the banks is controlled by regulators. It stands for the amount which the
institution has to compulsorily hold with its regulator. This ensures that the
financial organization has the sufficient amount of capital to sustain its
operating losses. Apart from the concept of regulatory capital, banks
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4. Hypothesis
1: Indian banks are adequately capitalized as per the existing capital
adequacy regime.
2: The public sector banks are having lessor mean CAR as compared to
the private sector banks in India.
3: The Mean CAR of different categories of banks is showing increasing
trend for the selected time horizon.
4: The Mean CAR of State bank group is lesser as compared to its peers.
5: There is no relationship between CRAR and profitability/ earnings/ NPAs/
cost of deposits/ Debt Equity Ratio/ROI-ROA/Advance to Total Assets
Ratio/Net Interest Margin.
5: There is No relationship between Interest Income and Total Risk
Weighted Assets.
6: There is no relationship between movement of risk weighted assets and
capital fund. (Alternatively we can say that risk weighted assets have
increased with an increase in capital fund.)
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5. Research Methodology
This section deals with the methods of data collection and the
methodology employed in the research analysis
ata Collection
Primary Data
The researcher intends to collect the primary data through
1. Questionnaire (Not followed in my case hence to be deleted)
Interviews of the Professionals and Experts, Senior Employees, Investors and
Customers (Inv
1. D estors) of the Commercial Banks.
Secondary data were collected for the purpose of empirical analysis
Secondary Data
For the present study the major source of secondary data is
RBI Database available at RBI website.
Published Financial statements of the Banks
Basel Disclosures by Banks
Various Information from Newspaper, Magazine, Technical Journals
Reports & Newsletter of various Research organizations
Internet, Websites having authoritative source of relevant data.
For processing the data and testing hypothesis various appropriate statistical
tools like Measures of Central tendency, Chi Square test, Correlation and
Frequency Distribution Analysis etc. using relevant software at appropriate areas
as per the need of study.
Temporal Scope:
For the purpose of data collection and study, mainly the duration of 2004
to 2013 (i.e. 10 years) shall be considered.
If necessary, reference shall be made about the empirical results and
history of Banking Industry.
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The study requires data from all over the Indian Banks, cost and time
constraints may affect the effectiveness of the study though every
attempt will be made to keep the spirit of the objectives and research
methodology.
This is the first of its kind survey in capital adequacy of the Indian Banks
and there are neither existing studies nor precedents.
The reliability of the study may depend on authenticity of the information
supplied by the respondents.
6. Scheme of Chapters
The proposed format of the thesis can be placed in eight chapters with selected
bibliography and appendices as below
1.
2.
Review of Literature
3.
4.
5.
6.
7.
Findings
8.
Conclusion
Select Bibliography
Appendix:
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Researcher
Guide
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