A study on the components of total assets in public sector banks in India

The banking sector in India was totally traditional prior to 1991. The banks were usually risk averse and they thought banking is an activity of collecting deposits and lending against them. Until 1991 the word profitability was seldom considered by Indian banking business. Up to that period the banks were established only to serve social objectives and their performance was just task oriented but not goal oriented. In 1991 when government of India initialized the deregulatory policies, the Indian banking sector has gained momentum in diversified areas of development. In spite of several developments in Indian banking sector, there is a significant impact of factors like governance and risk management, financial control, effective cost management, and technological intensity of banking etc. After the globalization of Indian economy the Indian banking sector has made a tremendous progress in extending its functional reach. The twin principle of operational flexibility and functional autonomy provided to the banks to improve their productivity, efficiency and profitability are the major intermediates in Indian banking system. The topic in question perfomance of nationalised banks after globalisation has been taken to do a research work at doctoral level. Even today the performance of Public sector banks and private sector banks though controlled by Reserve Bank of India, the apex bank of the country is not up to the expectations of the monitory authority. To study the performance of Public sector banks with reference to Nationalised banks has been made possible only with the secondary data collected from various sources. The present study demands the quantitative analysis and hence it needs the collection of secondary data primarily from authentic sources which are official in character. Hence the present study is secondary data based in character and nature. Secondary data were collected from annual reports of several banks inclusive of the Balance sheets, RBI bulletin, various reports on Indian banks, Publications of India Bank Association (IBA). The study period is 2004 to 2015. Indian institute of bankers, National institute of Bank management and from various journals and recommended text books on related fields etc.