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c
Meaning :
ƠProductivity refers to the
capacity/efficiency of banks to produce
maximum output with the available input
resourcesơ
Social Productivity
c
ranch Productivity (Per ranch Indicators)
It shows how much the bank groups produce at
branch level. It is a tool to measure branch
efficiency.
J
:Max. in Foreign anks
378.03cr followed by NPSs 92.32
6
: Highest in Foreign anks
290.75cr followed by NPSs 65.76cr
: Highest in 668.77cr followed
by NPSs 158.12 cr
u
u
Ô
ºear ank Rural Semi-
Semi- Urban Total
6ategory ranches Urban ranches ranches
ranches
Public 19440 10395 15730 45525
2000 anks
u
u
c
perational Productivity
It is the measure of financial efficiency which indicates
operational productivity as percentage of total assets.
× ×
u
:
Max. in PSs 8.73% followed by Foreign anks 7.75%.
u
: Max. in
Foreign anks 2.97% followed by Nationalized banks
2.93%.
c
Ô× ×
Ô
u
: Max. in Foreign anks 2.72%
followed by PSs 1.96%
u
:
Max. in Foreign anks 2.26% followed by
Nationalized banks 2.13%.
Ô
u
: Max. in Foreign anks 1.33% followed by
PSs banks 1.04%.
The PSs should opt for computerization & IT
for their survival & to compete with other new
private sector banks and foreign banks along
with the objective of social banking.
Supervisory and regulatory offices should be
made responsible for and accountable for lapses
on the part of branches under their control
In view of huge establishment costs the VRS
should be adopted to void these costs of
overstaffing.
Policies and programmes should be
revised.
Political interference should be eliminated
in order to make PSs more effective.
Easy terms for the sanction of priority
sector advances should be introduced.
More functional autonomy should be given
to PSs.
Ñ
Î Saveeta Saggar, 6ommercial anks In
India
Î R.P.Nainta, anking System
Î R.K. Uppal, anking Sector reforms in
India