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Competition and efficiency are difficult if not impossible to observe directly, since comparative data on individual banks are rare and figures on the cost of individual banking products are generally unavailable to common man. The literature has tried to measure these variables through twenty three factors. The literature on this topic is enormous and this book provides a welcome synthesis. It outlines various non-structural approaches to efficiency measurement. The non-structural approach requires a choice of the underlying production factors of banking from which one can derive relative performance measures. Non-structural approaches simply relate to the use of accounting/financial ratios to measure bank performance. These accounting ratios are twenty three in number which are clubbed under five independent variables related to employees, operations, liquidity, profitability and per branch.
About the author
Dr. Shefali Tiwari did PhD (Finance) in 2006 from Vikram University, Ujjain and MBA (Finance) in 1996 from DAVV, Indore. Currently, she is Professor at Shri Raojibhai Gokalbhai Patel Gujarati Professional Institute, Indore. She received Best PhD Thesis Award in 2008 in SecondInternational Conference held in Prestige Institute of Management & Research.
