Indian banking competitiveness in globalized world Dr. Uppal R.K.*, Juneja Amit** *Principal Investigator, UGC Financed Major Research Project, D.A.V. College, Malout (Punjab) **Research Scholar, Dept. of Economics, Panjab University, Chandigarh Online published on 9 August, 2013. Abstract Today there is a cut throat competition between different bank groups of within Indian banking industry and between domestic and abroad banks and between banks in advanced and emerging economies with regard to their profitability. With this view in mind, a comparative study is done w.r.t. profitability of different bank groups in advanced and emerging economies and between different bank groups of Indian banking system. Profitability is measured in terms of Cost of Borrowings, Cost of Deposits, Cost of Funds, Return on Assets, Return on Advances, Return on Investments, Return on Funds and Spread. The study concludes that banking system of emerging economies is more profitable than advanced economies as the banks in these economies shows more return on assets as compared to banks in advanced economies. As far as different bank groups of Indian banking industry is concerned, foreign banks are most profitable as their costs increases less than their returns. As a result of which their spread increases in 2011–12 as compared to 2010–11. All the other bank groups are not successful in increasing their spread during the same time Period Top Keywords Cost of Borrowings, Cost of Deposits, Cost of Funds, Return on Assets, Return on Advances, Return on Investments, Return on Funds, Spread. Top |