*Principal Investigator, UGC Financed Major Research Project, D.A.V. College, Malout, Punjab, India
**Research Scholar, Department of Economics, Panjab University, Chandigarh, India
Online published on 5 September, 2013.
The emergence of e-banking services in India has changed the entire scenario of banking system. The face of banking system has changed from social banking to profit oriented banking. But this profitability depends upon new patterns and parameters. In order to comparatively analyse bank's profitability in pre and post e-banking era, five banks each from the five bank groups namely Nationalized Banks, SBI & its associates, Old Private Sector Banks, New Private Sector Banks and Foreign Banks are selected and their profitability performance on interest earned/working funds, interest expenditure/working funds and spread/working funds is evaluated in pre and post e-banking period. Pre e-banking period is taken as 1998 to 2001 and post e-banking period is taken as 2001 to 2012. Performance is evaluated with the help of average, coefficient of variation, range, skewness and Kurtosis. The study concludes that Foreign Bank group is the most profitable bank group in pre and post e-banking period as it shows maximum spread/working funds which are the sigh for the profitability of any bank group. Old private sector bank group shows maximum interest earned/working funds in pre and post e-banking period. Nationalized bank group and foreign sector bank group are incurring least interest expenditure/working funds in pre and post e-banking period respectively.
e-banking, Interest earned, Interest expenditure, Profitability, Spread, Working funds
