• Dr Rajan Devi Negi

The liberalization of the financial sector in India exposed commercial banks to a new economic environment that is characterized by increased competition, accelerating technology and new regulatory requirements. The commercial banking is at the threshold of a paradigm shift. The applications of technology and product innovation are bringing about structural changes in the banking system. Off- site ATM, on line debit cards and electronic everywhere banking are transforming the traditional concept of branch banking. Today customers are increasingly moving away from the confines of traditional branch banking and seeking the convenience of remote electronic banking. The traditional way of undertaking banking transaction with a visit to the friendly neighborhood branch is becoming obsolete now. With a view to helping banks to compete in such a fast changing environment effort is being done to study the performance of commercial banks in India by adopting various selected financial indicators.. In the present study an attempt is made to evaluate the performance of different banking groups viz. public, private and foreign bank group. In the above groups, various indicators have been taken which are related to deposits, advances, expenses, assets, returns, profit; investments etc. for the period 2020,2021and 2022

banking performance, credit ratio, investment ratio

"PERFORMANCE ANALYSIS OF BANK GROUPS IN TERMS OF CREDIT DEPOSIT RATIO AND INVESTMENT DEPOSIT RATIO: PUBLIC, PRIVATE AND FOREIGN BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 1, page no.e308-e318, January-2023, Available :http://www.jetir.org/papers/JETIR2301448.pdf

"PERFORMANCE ANALYSIS OF BANK GROUPS IN TERMS OF CREDIT DEPOSIT RATIO AND INVESTMENT DEPOSIT RATIO: PUBLIC, PRIVATE AND FOREIGN BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 1, page no. ppe308-e318, January-2023, Available at : http://www.jetir.org/papers/JETIR2301448.pdf