5.1 Introduction Final chapter of the study represents the conclusion of the study based on the

According to the Keynesian approach, there have been identified the four variables that affects the economic growth. These are investment, saving, liberalization of the trading activities, movement of the capital, policy of the exchange rate and the macroeconomic stability of the economy. The investment in the human capital and the physical capital are also one of the factors that fasten the economic growth in the country. The demography is another factor that determines the growth of the economy. However, among these factors, research study has identified other factors that determines and enhance the economic growth.

According to RBA, the interest rate has remained unchanged at low 2.0 per cent in the previous period. This will be welcomed by housing investors. The low interest rate will discourage people to save and put their money in banks, and encourage them to start investing their money in property or other sources. A recent increase in dwelling investment, capital city and retail sale volumes can be explained by this. Housing credit has increase to around 7% and it is continue to be driven by investor. Business financing, on the other side, is growing slowly in June quarter and equivalent to 3% of GDP. Business credit growth has moderated over June quarter following by stronger growth in previous quarters. The cost of intermediated borrowing money for small and large business declined as a result of a decrease in the cash rate.

The essencial factor by which growth of the economy could be assessed is economical factor.

This can be measured by the following formula; Per capita nominal GDP = Nominal GDP / Population, Per capita real GDP = Real GDP / Population. Seven factors determine economic growth. Natural resources such as land, mineral deposits, waterways; climatic conditions provide an essential foundation to economic growth. Combined with the other resources of capital, labor and enterprises, natural resources can be developed and organized to increase the productive capacity if the nation. Consequently the quality and size of the labor force is a major determinant of economic growth. Education and vocational training are essential the growth potential of a nation. The promotion of education and job training schemes increase the knowledge, skills and flexibility of the workforce that contributes to potentially higher levels of productivity and efficiency. Whether from natural increase or immigration population growth can cause a higher level of economic growth. An increasing population requires increased public spending on housing, education and other social needs while businesses expectations of

Chapter three presents the ‘research methodology’ as very important part of the present study. Nature and sources of data required to accomplish the present study are clearly mentioned. So far as the nature and source of data are concerned, the present study has utilized the secondary data relating to money supply, price level, Indian price, remittance and population. The money supply, price

Scholars are often used to measure the performance of indicators including ROE and s ' Q Tobin, ROE is the net assets yield; Tobin 's Q (= the market value of the company / asset replacement cost) is used by foreign scholars of the index, the index is reverse (Chen Goh, 2005). Referring to the market value of a company, because of the special nature of the securities market and the ownership structure of the commercial banks, the domestic scholars generally not used. And just use these two single indicators not fully reflect the business objectives of the commercial banks’ needs, nor it is suitable for the measurement of the operational performance of China 's commercial banks. This paper uses commercial banks ' net assets yield (X1), earnings per share (X2), liquidity ratio (X3), loan to deposit ratio (x4), non-performing loan ratio (x5), the capital adequacy ratio (x6), the main business income growth rate (X7), net profit growth rate (x8), total assets growth rate (x9), nine specific indicators to measure explained variables, which as the comprehensive performance of the commercial banks. Because the four aspects of the nine indicators were reflected in the executive level of financial banks "profitability", "liquidity", "debt paying ability" and "growth" and on the performance of commercial

Before going any further, let us first examine the basis of most countries’ economy and the factors that partake in the overall long-term growth of an economy. In general, there are two types of factors that influence the economic development

Somoye, Russell Olukayode Christopher Associate Professor, Department of Banking and Finance Olabisi Onabanjo University, Ago-Iwoye P.O Box 1140 Ijebu Ode , Nigeria E-mail: olukayodesomoye@hotmail.com Tel: + 234-8033335688 Ilo, Bamidele M Department of Banking and Finance, Olabisi Onabanjo University PMB 2002, Ago- Iwoye E-mail: bamideleilo@yahoo.co.uk Tel: + 234-80560085567 Abstract This study aims primarily at investigating the impact of macroeconomic instability on banking sector lending behaviour in

The Sri Lankan banking industry plays a dominant role in the country’s financial sector, predominantly with regard

Banks are playing a very important role in the economic development of a nation. The healthiness of the economy is directly connected to the soundness of its banking system. The role of banks has placed them as a very valuable partner in the process of economic development. Nowadays, banks are very useful for the utilization of the assets of a nation. If there would be no banks then a large segment of assets in the country would stay idle.

Ben Ukaegbu and Isaiah Oino (2014) conduct a comprehensive field of study on the impact of foreign bank entry on domestic banking in a developing country from the perspective of Kenyan. Using 19 banks level data from 2001 to 2009, the authors examine the penetration of foreign banks into Kenya and the impact on domestic banking operations. Objective of their study is to examine the impact of foreign bank entry on domestic banking and to evaluate how the entry of foreign impacts access to credit. The study used percentage of foreign banks as a dependent variable which may influence the independent variables such as profitability of domestic bank, net interest margin, loan loss reserve ratio, cost income ratio, Tier 1 capital, average lending rate, private credit to gross domestic product, inflation and percentage of non-performing loan of domestic banks. Regression analysis has applied to assess the impact

The author used Secondary data for collection and collected the data from the various sources like reports on trends and progress of banking in India , Indian banking year book, IBA bulletin , Chartered financial analyst , ICFAI and to test the statistical significance ANOVA

The Progress of any economy mainly depends on the efficient financial system of the country. This importance of the financial sector reforms affirms an effective means for solving the problems of economic, financial and social in the developing nations of the world. The progress

Capital gathering which in turn is essential to economic growth and development the stages of accumulation are savings and investment among them saving is most crucial because it is basic constraint for investment and development so capital accumulation and economic growth is affected by the rate of savings in the economy mobilization of savings becomes all the more important in the economy when economic growth is set with in frame work of targets with maximum reliance on internal resources. In a study conducted by national institute of bank management (NIBM) it was observed that the savings and that about 75 per cent of the gross domestic savings (GDS) cane from the house hold sector and approximately 45 percent of the household sector savings were kept in the form of bank deposits. The banking sector has played an increasingly imperative role in the financial intermediation process by mobilizing savings in the form of deposits. Deposits are the main source of funds for banks the bank of the total liabilities of a banking company include deposits. Hence banks serve financial needs of various sections of societies, the larger volume of funds can attract, the better the position they are in to lend funds. Scheduled Commercial Banks are those banks which were included in the second schedule or 2E of RBI ACT, 1934.

The Banking sector in India has always been one of the most preferred avenues of employment. In the current decade, this has emerged as a resurgent sector in the Indian economy. As per the McKinsey report ‘India Banking 2010’, the banking sector index has grown at a compounded annual rate of over 51 per cent since the year 2001, as compared to a 27 per cent growth in the market index during the same period. It is