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Comparative analysis of lending Activities of Commercial Banks

Hi am Mohan i would like to get details on comparative analysis of lending perfomance of five commercial bank in the last six years with refrence to changing crr and sl kultala.
The investment banking practices and policies of the commercial banking system change relatively slowly. Standards and practices that have been successful in lending to finance the production of goods and services or to invest funds in government and corporate securities continue to be used. There is no need for frequent changes in lending practices as business and industry financing needs change slowly. However, some changes are discernible. Some successful lending practices have been adapted to meet the new financing needs of industry and commerce. In some cases, new lending techniques have been designed to extend credit to finance new types of business. The terms and conditions under which certain types of loans may be made have been modified by federal or state law. Recently, laws have been modified to allow banks to invest in completely new types of securities, for example, World Bank Securities. In addition, the existence of a large public debt has significantly changed the investment policies of the commercial banking system. The change in tax policy has also influenced trends in investment practices. In order to analyze contemporary trends in commercial banks' lending and investment practices, the end of World War II can be taken as a convenient date from which to begin. However, it would be incorrect to imply that the policies and practices discussed in the following pages are "new", that is, developed and used for the first time since the end of the war. These lending and investment practices are discussed because they are being employed by more and more commercial banks. It should be emphasized that they complement the older and better known methods; they have not replaced them

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