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Pnb

Profitability of PNB

Manish Mahajan
Roll No. 06232 Pranab Rungta
Roll No. 062
T. A. Pai Management Institute

The Indian Banking sector has undergone a sea change in the past decade with the implementation of the ongoing banking sector reforms. The sector, over the years has become more efficient with the implementation of prudential norms for asset classification and improved thrust on technology advancement. The PSBs still dominate the sector with 75% of the market share of business and profits. The new private sector banks with their technology driven business model are fast catching up with the PSBs. The last two years has seen banks book windfall gains in treasury profits. With the interest rates hardening up, banks need to focus on core profit growth. The retailisation of the banks¡¦ balance sheet has seen banks improve their asset mix with
home loans, auto loans and personal loans.

Banking Scenario
The year 2006-07 witnessed orderly trends in the financial......


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Approximate Word Count: 1802
Approximate Pages: 8 (250 words per double-spaced page)

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