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An examination of the relationship between spread and burden in determining the financial efficiency: A study of new generation private banks in India

The aim of this paper is to find out the financial efficiency of new generation private banks operating in India during the period 2007-08 to 2016 -17. A Regression analysis is used to find out how the independent variables are supporting dependent variables. | An examination of the relationship between spread and burden in determining the financial efficiency A study of new generation private banks in India International Journal of Mechanical Engineering and Technology IJMET Volume 10 Issue 03 March 2019 pp. 1713 1724 Article ID IJMET_10_03_173 Available online at http www.iaeme.com ijmet issues.asp JType IJMET amp VType 10 amp IType 3 ISSN Print 0976-6340 and ISSN Online 0976-6359 IAEME Publication Scopus Indexed AN EXAMINATION OF THE RELATIONSHIP BETWEEN SPREAD AND BURDEN IN DETERMINING THE FINANCIAL EFFICIENCY A STUDY OF NEW GENERATION PRIVATE BANKS IN INDIA S. Sathyakala Assistant Professor Sona College of Technology Salem Umaya Salma Shajahan Assistant Professor Sona College of Technology Salem P. Kamalakannan Assistant Professor Sona College of Technology Salem ABSTRACT The aim of this paper is to find out the financial efficiency of new generation private banks operating in India during the period 2007-08 to 2016 -17. A Regression analysis is used to find out how the independent variables are supporting dependent variables. The study also aims in predicting how spread and burden of banks are influencing its financial decisions. It is observed that The variables like Spread to working fund Spread to total income Burden to total income burden to working fund Non-interest income to working fund Interest expended to total income are positively correlated with net interest margin. Key words financial efficiency india spread burden regression net interest income Cite this Article S. Sathyakala Umaya Salma Shajahan and P. Kamalakannan An Examination of the Relationship Between Spread and Burden in Determining the Financial Efficiency A Study of New Generation Private Banks in India International Journal of Mechanical Engineering and Technology 10 3 2019 pp. 1713 1724. http www.iaeme.com IJMET issues.asp JType IJMET amp VType 10 amp IType 3 1. INTRODUCTION The banks play a major role in economic growth of any country .