PROFIT EFFICIENCY OF INDIAN BANKS: POST-INTERNET ERA

The present study is mainly concerned with the analysis of profitability factors that influence the performance of banks after the introduction of internet banking. This study examines the trends in important banking indicators for 10 years period from 2013 to 2022. The study actually concentrates more on NPA and taken into consideration of profit efficiency variables in relation to internet banking of scheduled commercial banks. Therefore, this study focus on the detailed analysis of profit efficiency by incorporating all variable while keeping NPA’s ratios as central for study. The study have concluded the decline in NPA (Non-Performing Assets). Further, Reserves & Surplus is also analysed intensively to know the future prospects of scheduled commercial banks.