The global financial crisis of 2007-09 highlighted the importance of capital structure for the economy as a whole and for individual firms as well. The ensuing credit and profitability crunch due to the contraction of the global economy made it vitally imperative to understand how the capital structure choices of the firms are affected and what impact these choices have on the functioning of the markets. Since, like in most emerging countries, the capital structure of Indian firms is dominated by bank borrowing, it has become important to understand the role of bank borrowing in a larger context. Maladies of the Indian Banking Sector provides an in-depth analysis of bank credit allocation to non-financial companies in the Indian corporate sector over a long period of 28 years. The authors also conduct a micro-level analysis in the backdrop of recent banking scams in the country which exposed the fragility and quality of the banks' governance in reducing misappropriation of bank credit. The book brings a broader perspective to assess whether weak banks are rolling over their loans to less-deserving firms and tending to avoid declaring them as non-performing assets (NPAs). It contributes to understanding the nature of the maladies beyond the conventional approach of studying the trends in NPAs and provides a deeper insight into the structural challenges that determine the allocation of bank credit in the economy and of capital formation at large"--
The present book provides an enterprise-wide guide for anyone interested in pursuing analytic methods in order to compete effectively. It supplements more general texts on statistics and data mining by providing an introduction from leading practitioners in business analytics and real case studies of firms using advanced analytics to gain a competitive advantage in the marketplace. In the era of “big data” and competing analytics, this book provides practitioners applying business analytics with an overview of the quantitative strategies and techniques used to embed analysis results and advanced algorithms into business processes and create automated insight-driven decisions within the firm. Numerous studies have shown that firms that invest in analytics are more likely to win in the marketplace. Moreover, the Internet of Everything (IoT) for manufacturing and social-local-mobile (SOLOMO) for services have made the use of advanced business analytics even more important for firms. These case studies were all developed by real business analysts, who were assigned the task of solving a business problem using advanced analytics in a way that competitors were not. Readers learn how to develop business algorithms on a practical level, how to embed these within the company and how to take these all the way to implementation and validation.
The book explores the theoretical and empirical issues relating to the interaction between corporate governance and corporate social responsibility (CSR) activities undertaken by Indian companies. It presents a highly detailed view on the evolution of CSR and its nexus with corporate governance. This is particularly timely in the context of the recent Indian Companies Act 2013, which mandates corporate social responsibility and revises the best corporate-governance practices for large companies. The findings of this study are unique in drawing from a unified framework of Indian corporate governance structure and corporate engagement in CSR. The book’s scope is both academic and practical; the research methodology developed and utilized is useful for researchers, while the implications and the selection of variables provide useful information for practitioners and stakeholders. Finally, although it focuses on large Indian companies, the findings can also be applied to research on other emerging economies.
The global financial crisis of 2007-09 highlighted the importance of capital structure for the economy as a whole and for individual firms as well. The ensuing credit and profitability crunch due to the contraction of the global economy made it vitally imperative to understand how the capital structure choices of the firms are affected and what impact these choices have on the functioning of the markets. Since, like in most emerging countries, the capital structure of Indian firms is dominated by bank borrowing, it has become important to understand the role of bank borrowing in a larger context. Maladies of the Indian Banking Sector provides an in-depth analysis of bank credit allocation to non-financial companies in the Indian corporate sector over a long period of 28 years. The authors also conduct a micro-level analysis in the backdrop of recent banking scams in the country which exposed the fragility and quality of the banks' governance in reducing misappropriation of bank credit. The book brings a broader perspective to assess whether weak banks are rolling over their loans to less-deserving firms and tending to avoid declaring them as non-performing assets (NPAs). It contributes to understanding the nature of the maladies beyond the conventional approach of studying the trends in NPAs and provides a deeper insight into the structural challenges that determine the allocation of bank credit in the economy and of capital formation at large"--
The present book provides an enterprise-wide guide for anyone interested in pursuing analytic methods in order to compete effectively. It supplements more general texts on statistics and data mining by providing an introduction from leading practitioners in business analytics and real case studies of firms using advanced analytics to gain a competitive advantage in the marketplace. In the era of “big data” and competing analytics, this book provides practitioners applying business analytics with an overview of the quantitative strategies and techniques used to embed analysis results and advanced algorithms into business processes and create automated insight-driven decisions within the firm. Numerous studies have shown that firms that invest in analytics are more likely to win in the marketplace. Moreover, the Internet of Everything (IoT) for manufacturing and social-local-mobile (SOLOMO) for services have made the use of advanced business analytics even more important for firms. These case studies were all developed by real business analysts, who were assigned the task of solving a business problem using advanced analytics in a way that competitors were not. Readers learn how to develop business algorithms on a practical level, how to embed these within the company and how to take these all the way to implementation and validation.
The book explores the theoretical and empirical issues relating to the interaction between corporate governance and corporate social responsibility (CSR) activities undertaken by Indian companies. It presents a highly detailed view on the evolution of CSR and its nexus with corporate governance. This is particularly timely in the context of the recent Indian Companies Act 2013, which mandates corporate social responsibility and revises the best corporate-governance practices for large companies. The findings of this study are unique in drawing from a unified framework of Indian corporate governance structure and corporate engagement in CSR. The book’s scope is both academic and practical; the research methodology developed and utilized is useful for researchers, while the implications and the selection of variables provide useful information for practitioners and stakeholders. Finally, although it focuses on large Indian companies, the findings can also be applied to research on other emerging economies.
This book examines the trend and growth of non-banking financial companies (NBFCs), both from balance sheet and regulations view-points. It further investigates the role of NBFCs in furthering financial inclusion, last-mile delivery of credit and their contribution to financial sector. Since the Reserve Bank of India (RBI) formally recognised the NBFCs in India in 1964, they have increased significantly in terms of size, form and types of products and instruments. They have also managed their asset quality better than banks. Traditionally they were dependent on banks for funds, but after the global financial crisis they began to tap the capital market. Concomitantly, the RBI regulations have closed the fault lines and tightened rules. The book assesses whether NBFCs in India should be treated as shadow banks, discusses how to achieve the right amount of regulation and safeguards without unduly stifling the NBFC sector, and studies the funding opportunities and challenges of NBFCs in India. As such, it serves as a basic reference for students in finance, and a valuable tool for professionals such as policymakers and investment analysts and other stakeholders in the finance area.
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