LENDING PERFORMANCE OF CANARA BANKS IN DINDIGUL DISTRICT
Journal Title: GJRA-Global Journal For Research Analysis - Year 2015, Vol 4, Issue 3
Abstract
Lending is one of the two principal functions of commercial banks. It is not only because of their social service to cater to the credit needs of different sections of the community but also because lending is the most profitable activity, for the interest rates realized on business loans have always been well above those realized on investments. Having sterilized a portion of deposits in the cash reserve and highly liquid assets, which yield little or no earnings for the purpose of satisfying the liquidity requirements, a banker has to deploy the residual funds in profitable outlets so that the banker may be able to pay interest on deposits, salary to the staff, meet other establishment expenses, build up reserves and pay dividend to the shareholders. This is why bank loans account for a major portion of residual funds of a commercial bank. An examination of some of the important characteristics of bank loans would provide an insight into the lending activities of a Canara bankS. In this paper an attempt is made to analyse the lending performance of Canara Banks in Dindigul district.
Authors and Affiliations
Dr. T. Srinivasan, Mr. R. Karthikeyan
Keywords
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