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1
Kumar Basu, Udayan. "Banking in India." Foreign Trade Review 40, no. 2 (July 2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.
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Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, under one roof, all kinds of financial services including project financing and leasing. Besides, banks are allowed to go in for investment in securities also. However, the guidelines for direct lending have not been touched so far. Consequently, there are restrictions on the ways in which banks in India can deploy their available resources. In this article, an analysis has been carried out to show how such structural restrictions translate into what is often termed as interest rate rigidities for banks. How the loan losses impact on their interest spread as well as the urgent need to improve the framework for recovery of banks' NPAs has also been gone into. Moreover, the scope for moral hazards in banks, which are limited liability entities, has been explored and need for efficient risk management as well as effective risk-based supervision for ensuring their sustained viability has been analyzed and commented upon. A cut-off risk for bankable projects has also been worked out. The findings are interesting because the analysis takes into account the real life constraints faced by the banking sector and the results reflect the realities of this sector.
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Dr. T. VINILA. "FOREIGN BANKS IN INDIA." EPH - International Journal of Humanities and Social Science 2, no. 3 (August 4, 2017): 1–10. http://dx.doi.org/10.53555/eijhss.v2i3.19.
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Narasimham Committee in 1991 and the licensing of the new private sector banks through the next two decades inaugurated an era of change. Meanwhile, the opening-up of the economy to increased participation by foreign players created greater opportunities for foreign banks to work with their multinational clients in India. In the more recent past, foreign banks have followed Indian corporate entities in their outbound expansions. The survival of the banking system in India through the financial crisis has demonstrated its strengths and most foreign banks present in India believe that India is a market with undeniable potential.
After the setting up of Foreign Banks in India, the banking sector has become competitive and customer friendly. In that, four foreign banks have set up shop in the recent past. At present, there are 43 foreign banks operating in India with a network of 334 branches.
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Vijayalakshmi, R., and J. Srinivasan. "AN OVERVIEW OF INNOVATIVE PRODUCTS AND TECHNIQUES IN BANKING INDUSTRIES." YMER Digital 21, no. 08 (August 17, 2022): 676–79. http://dx.doi.org/10.37896/ymer21.08/56.
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The financial area in India has been various changes. The banks are the life savers of the economy and assume a synergist part in enacting and supporting financial development, particularly, in emerging nations and India is no exemption. Driving supporter for GDP in India is Banking Industry. The vast majority of the banks have started to adopt an enhance strategy towards banking, with the target of making more incentive for clients in the banks. Banking in India has previously gone through a gigantic change in the years since freedom. These days we have E Banking framework alongside money notes. India's financial framework can make another instrument alongside liquidity and wellbeing. The Indian financial area where presented appearance of the card, presentation of Electronic Clearing Service (ECS) in 1990's such as “EFT, RTGS, NEFT” versatile banking, web-based banking are the different developments in banking. This paper focuses an outline of advancements in financial area. Keywords: Innovate banking. Challenges of banking, New Technological changes, Indian banking sector
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Gupta, Sumeet, and Renu Verma. "Comparative Analysis of Financial Performance of Private Sector Banks in India: Application of CAMEL Model." Journal of Global Economy 4, no. 2 (June 30, 2008): 160–80. http://dx.doi.org/10.1956/jge.v4i2.124.
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Banking in India is mature in terms of supply, product range and reach-even in rural India through rural banking and remote banking. In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets. The present research work analyses the overall financial performance of major private sector banks in India through application of CAMEL Model. Besides it also attempts to compare the performance of these Banks with the help of Composite Ranking Method.
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Yoo, Tae Hwan. "Indian Banking Sector Reforms: Review and Prospects." International Area Review 8, no. 2 (June 2005): 167–89. http://dx.doi.org/10.1177/223386590500800209.
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Development in the financial sector, in particular, the banking sector, plays a key role in stimulating and stabilizing economic growth. Since the foreign exchange crisis in 1991, India has undertaken banking sector reforms. This paper focuses on the following two issues. First, I provide an overview of development in the banking sector over the years, especially after the implementation of the reform policy programs. In order to show the evolution of the Indian banking sector, I examine the reserve ratios reduction, interest rate deregulation, and ratios of non-performing assets. Second, this paper investigates the performance of banking groups by comparing the degree of profitability, and the soundness and efficiency of banks in India. In conclusion, while reform policies have had positive effects on the performance of banks, especially Public Sector Banks in India, the Indian government has to take further steps to deregulate and liberalize the banking industry.
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Singh, Jaspreet, and Neena Brar. "Internet Banking Need of Current Scenario." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 2 (June 30, 2012): 67–72. http://dx.doi.org/10.24297/ijmit.v1i2.1448.
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Banking in India originated in the last decades of the 18th century. The IT revolution influenced the Indian banking system a lot. The use of computers had led to existence of online banking in India. The use of modern innovation and computerisation of the banking sector of India has increased many folds after the economic liberalisation of 1991 as the country's banking sector has been exposed to the world's market. The Indian banks were finding it hard to compete with the international banks in terms of the customer service without the use of the information technology and computers. Internet banking as a medium of delivery of banking services and as a strategic tool for business development, has gained wide acceptance internationally and is fast catching up in India with more and more banks entering the fray. In the light of this background, the objective of this paper is to study the perceived usefulness of Internet Banking. This paper tries to know the level of awareness among customers. This paper also tries to check the perception of risks closely connected with Internet Banking and study the scope of Internet Banking, so that companies can fulfill their duty in an appropriate and suitable manner.
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Kumar, Kishore, and Ajai Prakash. "Developing a framework for assessing sustainable banking performance of the Indian banking sector." Social Responsibility Journal 15, no. 5 (August 5, 2019): 689–709. http://dx.doi.org/10.1108/srj-07-2018-0162.
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Purpose Sustainable development has now been recognised as the pivot around which development activities should revolve. Banking is an important component in the same and adoption of sustainable banking practices by various banking institutions is a strong driver to achieve sustainable development. The purpose of this paper is to study the level of adoption of sustainable banking tools and the extent to which banking institutions practice the same in India. In addition, the banking institutions have been ranked and categorised on basis of their sustainable banking performance. Design/methodology/approach The proposed framework focuses on the environmental and social conduct of the banks, who address the issues of sustainability in Indian banking sector. As there is a difference in the economic standards of developed and developing countries, the review of literature helps to figure out the gap in specific frameworks for assessing sustainable banking practices in developing countries. Previous researchers have made an attempt to develop a general framework for assessing the sustainable banking efforts of the banking sector. These studies fall short of indicators on the social dimension of sustainability specifically in the context of less developed countries like India, the social dimensions are is equally a major thrust area along with environmental indicators. Content analysis technique has been used to evaluate sustainable banking performance of the banks and Mann–Whitney U test used to determine the differences in sustainable banking performance of the banks in India. Findings In Indian banking sector, the adoption of the international sustainability code of conduct is still in its nascent stage. The research indicates that sustainability issues which are of the highest priority for the banks are directly related to their business operations such as financial inclusion, financial literacy and energy efficiency, and banks are more focussed on addressing social dimension of sustainability in banking rather than important dimensions of sustainable banking, namely, environmental management, development of green products and services and sustainability reporting. Practical implications The application of the proposed framework reflects the status quo of sustainable banking in India. This study is useful for the banks and all the stakeholders in understanding more about the shortcomings in integrating sustainability issues in banking. Further, the present study also redresses the extant research dearth in the field of sustainable banking in the Indian context. Originality/value This is one of the first studies evaluating the sustainable banking performance of the Indian banking sector.
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Brahman, Beena Sagarmal. "Performance Evaluation of Bank of India and Union Bank of India with Respect to Priority Sector." INDO-ASIAN JOURNAL OF FINANCE AND ACCOUNTING 3, no. 2 (2022): 161–74. http://dx.doi.org/10.47509/iajfa.2022.v03i02.08.
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It is been said that India is an agricultural country. And an Indian banking industry plays a significant role in flourishing the Indian agricultural industry. The commendable contribution of the banking sector is one of the major reasons for the upliftment of agricultural industry as a whole. As per National Statistical Office, agricultural sector contributes 20.19% to the total economy of India. Reserve Bank of India has taken an initiative specifically to foster the growth of priority sector. Establishment of Regional Rural Banks is an outcome of those reforms taken place in the banking industry. Even the major players of the Public Sector Banks are indulged vigorously to support rural India. A researcher here has put in efforts to understand and analyze the contribution and role of Bank of India and Union Bank of India in this noble initiative of Government of India. Exponential Growth rate has been considered as a tool to check the intensity of financial contribution of both banks in the upliftment of rural India.
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Uppal, R. K. "Banking Sector Reforms: Policy Implications and Fresh Outlook." Information Management and Business Review 2, no. 2 (February 15, 2011): 55–64. http://dx.doi.org/10.22610/imbr.v2i2.883.
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Various reform measures introduced in India have indeed strengthened the Indian banking system in preparation for the fresh global challenges ahead. The present paper reviews the banking sector reforms policy, crucial issues and agenda for the future. On the basis of certain parameters, like productivity, profitability and NPAs’ management, the paper concludes that foreign banks and new private sector banks are much better in performance as compared to our nationalized banks in the post-banking sector reforms period. The paper ends with the future agenda for the Indian banking industry, particularly for public sector banks to make them efficient and strong, to compete with the global banks.
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Sachan, Amit, Anwar Ali, and Rajen K. Gupta. "DENA BANK — Competing with Private and Foreign Banks." Asian Case Research Journal 11, no. 01 (June 2007): 117–39. http://dx.doi.org/10.1142/s0218927507000898.
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Since 1995 with the increasing importance of the service sector, liberalization policy and information technology revolution, the banking sector as a whole had undergone significant changes in India. The case presents a brief outline of the developments which happened in the Indian banking sector and discusses Dena Bank's efforts in the last decade in the area of customer service. The case explores how customers interacted with banks, how banks made money, how external environment was changing the core activities and core assets of banks in India and the opportunities and challenges arising out of all these. The case ends with the question on what Dena's strategy should be in response to the new competition and new technologies. The case is useful in looking at strategic responses to changes.
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Kumar Banger, Arvind, S. K. Sharma, and Rahul Chaudhary. "Empirical Evidences of Value Creation from Banking Industry of India." Global Journal of Enterprise Information System 8, no. 3 (April 6, 2017): 45. http://dx.doi.org/10.18311/gjeis/2016/15618.
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In wake of recent economic reforms in India with an aim of stabilizing the economy of India under the era of globalisation, banking industry has experienced a canonical shift in terms of value creation practices, methods and metrics for measuring bank’s performance. Value based management has long been hailed as the major objective of financial management of banks. A new trajectory of value based performance evaluation metrics have evolved and became an imperative of evaluating the performance of banks. The present study has been undertaken with the objective to measure the performance and value creation in the selected banks. The selected sample was taken from the public and private sector banks listed on stock exchange in India. In this study, Economic Value Added (EVA) and Market Value Added (MVA) across the selected banks were calculated based on the accounting figures and their difference was determined. The results showed significant difference between economic value added and market value added in selected banks is quite meaningful and significant.
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Dawar, Gaurav, and Swati Goyal. "OWNERSHIP STRUCTURE & RISK IN INDIAN BANKS: A COMPARISON OF PRIVATE AND PUBLIC BANKS." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 1 (May 30, 2012): 7–12. http://dx.doi.org/10.24297/ijmit.v1i1.1453.
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Banking sector is one of dominant sector and represents growth and development of the economy. The sector has been one of the top performers in stock market. Indian Stock Market experienced great volatility during the period of 2007-2008. The study is about the ownership structure and risk in Indian banks which they encountered during the period of slow down in India. This paper examines the effect of ownership on performance and risk of commercial banks in India during the period 2000-2009. The study would examine whether there exists any significant difference in the performance and risk among Public and sector banks and effort has been made to evaluate the performance of bank before and after the period of 2007-2008 to evaluate and understand the ground reality in Indian banking sector. The study investigated that whether any significant difference exists in the performance and risk of ownership groups of private & public banks in India. Regression results would be used to examine the association between the size of the banks and non-performing loans, and between demand deposits & risky loans.
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Budhedeo, Shradha H. "Short Term Liquidity of Foreign Banks in India." Asian Review of Social Sciences 7, no. 2 (August 5, 2018): 90–96. http://dx.doi.org/10.51983/arss-2018.7.2.1428.
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Foreign banks have been associated with India for almost two centuries now. Yet, there presence has been prominently felt after the recommendations of the Narasimham Committee on financial sector reforms ushered a competitive era that triggered the entry of new private and foreign banks into the country. Foreign banks have always adapted well to the changing financial landscape in India. They have been offering products and services that suit the Indian way of living and enterprise, providing cross-border borrowings, capital and access to global markets. Foreign banks have made considerable contribution to the banking sector over time by bringing capital, technology, efficiency and best global practices to India. The present study examines the foreign banks in India for their liquidity management capacity and liquidity performance over the post financial crisis period. The liquidity of selected Indian foreign banks has been evaluated on the basis of their short-term liquidity ratios. The foreign banks fail to meet the preferred requirements of short-term liquidity parameter for the banking sector. Nonetheless, in relative terms, Citibank shows much better liquidity management in the short-term as compared to HSBC and Standard Chartered banks.
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Gupta, Juhi, and Smita Kashiramka. "Identification of systemically important banks in India using SRISK." Journal of Financial Regulation and Compliance 29, no. 4 (August 7, 2021): 387–408. http://dx.doi.org/10.1108/jfrc-07-2020-0067.
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Purpose Systemic risk has been a cause of concern for the bank regulatory authorities worldwide since the global financial crisis. This study aims to identify systemically important banks (SIBs) in India by using SRISK to measure the expected capital shortfall of banks in a systemic event. The sample size comprises a balanced data set of 31 listed Indian commercial banks from 2006 to 2019. Design/methodology/approach In this study, the authors have used SRISK to identify banks that have a maximum contribution to the systemic risk of the Indian banking sector. Leverage, size and long-run marginal expected shortfall (LRMES) are used to compute SRISK. Forward-looking LRMES is computed using the GJR-GARCH-dynamic conditional correlation methodology for early prediction of a bank’s contribution to systemic risk. Findings This study finds that public sector banks are more vulnerable to macroeconomic shocks owing to their capital inadequacy vis-à-vis the private sector banks. This study also emphasizes that size should not be used as a standalone factor to assess the systemic importance of a bank. Originality/value Systemic risk has attracted a lot of research interest; however, it is largely limited to the developed nations. This paper fills an important research gap in banking literature about the identification of SIBs in an emerging economy, India. As SRISK uses both balance sheet and market-based information, it can be used to complement the existing methodology used by the Reserve Bank of India to identify SIBs.
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Hussein, Tanvir, and Tanu Goel. "Impact of Emotional Intelligence in Indian Retail Banking Industry: Challenges and Opportunities." Global Journal of Enterprise Information System 8, no. 1 (August 9, 2016): 39. http://dx.doi.org/10.18311/gjeis/2016/7289.
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The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. This study helps to know the emotional intelligence of employees working in educational institution. It is important for the employees working in service industries to have high level or morale with emotional intelligence. Emotional intelligence is not only crucial when you're on the job - it's also paramount when you're searching for a graduate role and going through the recruitment process. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. Public and private are among the many employers in retail banking and insurance that highlight the importance of emotional intelligence. It's a quality that's easily forgotten because it's not explicitly requested or graduates don't know what it means. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses emotional intelligence in retail the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers.
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Dhanda, Upasana, and Monika Sehrawat. "ISLAMIC BANKING IN INDIA: AN ALTERNATIVE BANKING SYSTEM." International Journal of Research -GRANTHAALAYAH 3, no. 12 (December 31, 2015): 171–80. http://dx.doi.org/10.29121/granthaalayah.v3.i12.2015.2902.
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The Banking system in India and all over the world is based on the interest system. Interest bearing money is almost like the law of nature where money generates money. However, an alternative banking system called Islamic banking which prohibits charging of interest and is based on profit/loss sharing system became popular in many countries. Global Islamic banking assets attained compounded annual growth rate (CAGR) of around 17% from 2009 to 2013 according to the World Islamic Banking Competitiveness Report 2014-2015.
The Indian Banking system has undergone many changes in the recent past with deregulation of banking system paving way for new banks in India. However, Islamic banking which has emerged as a global phenomenon lately has not evolved as a full-fledged system in India though is it operative through the NBFC route. The research paper tries to explain the concept of Islamic banking and discusses the various financial products offered by the Islamic banks. It weighs the various pros and cons of Islamic banking in India. SWOT analysis and Porter’s Five Forces Model are used to provide a thorough analysis of feasibility and scope of Islamic banking in India.
The paper reveals that India has a great potential for Islamic banking provided necessary changes in the regulations and guidelines are made to evolve it has an alternative system of banking. The law makers should view it from an economic point of view rather than a religious view for its successful implementation and for the welfare and upliftment of financially excluded sections of society that do not participate in conventional banking due to their religious beliefs.
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Sivramkrishna, Sashi, Soyra Gune, Kasturi Kandalam, and Advait Moharir. "Shadow Banking in India: Nature, Trends, Concerns and Policy Interventions." Review of Economic and Business Studies 12, no. 2 (December 1, 2019): 29–46. http://dx.doi.org/10.1515/rebs-2019-0090.
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AbstractWhile the origin of shadow banks may be traced to the 1970s, developing countries have witnessed a massive growth of shadow banks in more recent decades. India too has seen a similar growth in shadow banks; however, the recent 2018 collapse of IL&FS Group, a major shadow bank, disrupted the credit cycle, stalled investment and even affected overall GDP growth. With experts warning that shadow banks are susceptible to systemic risks and crisis, it becomes imperative to understand the shadow banking system better. In this paper, we use exploratory data analysis – both quantitative and qualitative – to draw attention to the need for definitional clarity in the concept of shadow banks and how they operate. Trends in Indian shadow banking are discussed using data drawn from secondary sources. Systemic risks in India’s shadow banking sector are identified and policy interventions are discussed. The study is imperative for highlighting the importance of shadow banking in India, its growth and the evolving policy interventions regulating this important component of the financial system.
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Yuvaraja, U., B. Gururaja, and K. Sampreetha. "Development of Commercial Banks during Pre and Post Globalization Era in India: An Analysis." Shanlax International Journal of Arts, Science and Humanities 7, no. 1 (July 1, 2019): 26–34. http://dx.doi.org/10.34293/sijash.v7i1.371.
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Banking is an old business and a central pillar of Indian society. Money lending activities in India had traced back to the Vedic period (according to Central Banking Enquiry Committee-1931). The professional banking system existed long ago- Manu Murthy, Kautilya’s Arthashastra- in India. Initial stage growth of Indian banks was very sluggish and also experienced episodic failure between 1913 and 1948. The banking sector in the pre-reform period was experienced poor performance and caught into deep crisis due to excessive loans in comparison to total deposits having a ratio more than 50 per cent consisting of about 90 per cent of all commercial banks which posed a significant threat to the stability and transparency of the financial system. During those days, the public had lesser confidence in the banks. Government at this juncture decided to introduce comprehensive economic reforms. Environmental and regulatory changes have made this sector more competitive and improved the health of the Indian banking sector. The study's main purpose is to analyse the growth of India scheduled commercial banks during pre and post-globalisation period in three phases viz., a)Early Phase of growth of the CBS: 1936-1969, b) Period of Social Control:1967 -1991 and c)Phase of Globalization:1991-2018. The present study is based on, purely, secondary data.
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Nguyen, Thanh Pham Thien. "Comparison of efficiency and technology across the banking systems of Vietnam, China and India." Benchmarking: An International Journal 25, no. 9 (November 29, 2018): 3809–30. http://dx.doi.org/10.1108/bij-04-2017-0078.
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Purpose Given some similarities in the banking industry and economic condition across Vietnam, China and India, the purpose of this paper is to estimate and compare the cost and revenue efficiency of banks across these three countries over the period 1995–2011. Design/methodology/approach This study employs the meta-frontier of Battese et al. (2004) and O’Donnell et al. (2008) which envelops the three country-frontiers to measure the cost and revenue efficiency of banks in these three countries. Findings This study finds that Chinese banks adopt the most advanced cost-reducing and revenue-increasing technology when providing banking products to their customers, followed by Indian banks. Indian banks are as cost-efficient as Chinese banks, but more cost-efficient than Vietnamese banks. Indian banks are as revenue-efficient as Vietnamese banks, but less revenue-efficient than Chinese banks. Over the analysis period, banks in the three countries have employed the more advanced technology in reducing costs, and they have become more cost-efficient. Nonetheless, for revenue side, the improvement in revenue efficiency and adopted technology are observed only in Chinese banks. The main source of meta-cost and meta-revenue inefficiency of these banking systems stems from undertaking inferior technology rather than managerial ability. Results from comparison across bank types show that state-owned banks (SOBs) are more cost and revenue-efficient than privately owned banks, with Indian and Chinese SOBs being the most cost- and revenue-efficient, respectively. Practical implications To improve meta-cost efficiency, Chinese and Indian banks would constitute a relevant benchmark for Vietnamese banks, while to improve meta-revenue efficiency, Chinese banks would be considered as a relevant benchmark for Vietnamese and Indian banks. Originality/value This is the first study which utilizes meta-frontier to compare cost and revenue efficiency and technology across banks in Vietnam, China and India.
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Mani, Mukta, and Rachit Agarwal. "Payment Banks in India." International Journal of Asian Business and Information Management 13, no. 1 (January 2022): 1–15. http://dx.doi.org/10.4018/ijabim.297851.
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Payment banking system has been established in India with the main objective of financial inclusion and promotion of digital transactions. After 2 to 3 years of their coming into picture, the model is being criticized on various grounds. Studies imply that the payment banks are struggling to succeed because of tough competition with commercial banks and their basic structure. This study is an attempt to analyze the position of payment banks on the basis of customers perception. A primary survey has been carried out through a well-structured questionnaire. The results put forward that customers adore payment banks for their easy, convenience, safety and speed. The male and female users of young and middle age are equally liking and using the payment banks. They widely use these banks for making mobile recharge; ticket booking and bill payments etc. but they don’t use them for all their banking transactions. This study provides an insight into the ground realities related to payment banks. Thus it might be useful for Payment bankers and policymakers for their future decision making.
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Kaur, Navneet, Santosh Shrivastav, and Sarbjit Singh Oberoi. "Ownership Structure, Size, and Banking System Fragility in India: An Application of Survival Analysis." Economics 16, no. 1 (January 1, 2022): 1–15. http://dx.doi.org/10.1515/econ-2022-0014.
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Abstract The Reserve Bank of India has put 11 public sector banks under prompt corrective action and is planning to put three more where public sector banks constitute 68.9% of the total asset of the Indian banking industry based on 2018 figures; this raises a genuine concern for the financial health of the Indian banking sector as a whole. Under these considerations, this study is conducted to estimate the survival of banks based on ownership and size and uses the Cox proportional hazards model. This study has not found any significant difference in the failure risk of both public and private sector banks based on ownership. However, the study found a significant difference in the failure risk of banks based on size. The smaller banks are indeed at a higher risk of failure than larger banks. The findings of this study can be used to create an early warning system for smaller banks in India.
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Farooqi, Ataur Rahman, D. R. Pallavi, and M. Ramachandran. "Role of Information Technology in Banking Sector with Special Reference to State Bank of India." Recent trends in Management and Commerce 3, no. 1 (March 1, 2022): 46–52. http://dx.doi.org/10.46632/rmc/3/1/8.
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Liberalization and information technology have attracted many foreign banks to India, Opening up new markets, new products and efficient delivery avenues for the banking sector. The banking sector plays an important role in the growth of the Indian economy. Increased penetration, productivity and efficiency through the use of technology. This not only increased the cost effectiveness, but also helped to process small value transactions. It improves choices and creates new markets and improves productivity and efficiency. It is observed that financial markets in India have become a market for buyers. Commercial banks in India are now becoming supermarkets in one place with the introduction of value-added and customized products, the focus shifts from mass banking to class banking. Technology Banks do not hire people for manual operations Allows you to create a branch in the lobby of the commercial building. Tele Banking, ATMs, Internet Banking, Mobile Banking and branches through e-banking operate on a 24 X 7 operating principle. These technology based delivery channels at low cost And is used to reach maximum customers very efficiently. The beauty of these banking innovations is that this puts both the banker and the customer in a successful environment. Efficient use of technology has many times the effect on growth and development
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Birajdar, Bhaskar. "Voyage of Indian Banking Sector: 1979-2007." Journal of Global Economy 6, no. 4 (October 31, 2010): 243–52. http://dx.doi.org/10.1956/jge.v6i4.64.
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Observing through the voyage of India Banking Sector, it could be concluded that Indian banking system is operating under competitive state of affairs and earns revenues as if under monopolistic competition, despite not depending on traditional source of fund in the form of deposits as profitability, i.e., return on assets are increasing and approaching towards industry ratio. But still foreign banks functioning in India are on a higher plane with respect to its performance in comparison with other bank groups. Costs of deposits and return on advances of all scheduled commercial banks have declined in the post reform period. However, return on advances was approaching closer to industry average showing competition amongst the banks in making profit on the interest rate front.
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Shifa Fathima, J. "Digital Revolution in the Indian Banking Sector." Shanlax International Journal of Commerce 8, no. 1 (January 1, 2020): 56–64. http://dx.doi.org/10.34293/commerce.v8i1.1619.
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“Digital” is the new popular expression in all sectors. With other sector, banking is additionally all around the world moving towards digitalization. Banks all things considered and over all areas are making immense investments in digital activities so as to keep up a competitive edge and convey the greatest to its customers. Selection of digitalization is significant for the banking sector. By grasping digitalization, banks can provide upgraded customer services. This provides accommodation to customers and aides in sparing time. Digitalization has transformed manual processes, transactions and exercises into digital services. Over all verticals, buyer needs have been met in entirely imaginative manners, upsetting existing enterprise esteem chains. Digitalization reduces human blunder and in this manner constructs customer unwaveringness. Today, individuals have nonstop access to banks due to online banking. Managing a lot of cash has additionally become simpler. Digitalization has additionally profited customers by encouraging cashless transactions. Customers need not store cash any longer and can make transactions at wherever and time. A few commercial banks began moving towards digital customer services to stay competitive and relevant in the race. Banks have profited in a few different ways by receiving more current innovations. E-banking has brought about reducing costs definitely and has created revenue through different channels. Commercial Banks in India have moved towards innovation by method for Bank Mechanization and Automation with the prologue to MICR based check processing, Electronic Funds transfer, Inter-availability among bank Branches and implementation of ATM (Automated Teller Machine) Channel have brought about the accommodation of Anytime banking. Solid activities are taken by the Reserve Bank of India for reinforces the Payment and Settlement systems in the banks. Indian government, banks, fintech companies have been advancing and changing the manner in which India spends its money. Simultaneously digital revolution additionally raises new challenges to the solidness and the uprightness of the financial system and the protection of buyers. Hence, the present study has been done on the digital revolution in the Indian Banking sector and the study based on the secondary sources of data.
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Gurram, Uma Raghavendra, and Anudeep Velagapudi. "Impact of Digitalization on Traditional Banking." International Journal of Research in Engineering, Science and Management 3, no. 12 (December 12, 2020): 29–33. http://dx.doi.org/10.47607/ijresm.2020.400.
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Internet banking is changing the banking business, having the significant impacts on banking connections. Banking is currently not, at this point restricted to the branches where one needs to move toward the branch face to face, to pull back money or store a check or solicitation an announcement of records. In obvious. Internet banking, any request or exchange is prepared online with no reference to the branch (anyplace banking) whenever. The net banking, in this way, presently is to a greater extent a standard instead of an exemption in many created nations because of the way that it is the least expensive method of giving banking administrations. This examination paper will acquaint you with e-banking, giving the significance, capacities, types, focal points, and impediments of e-banking. It will likewise show the effect of e-banking on conventional administrations lastly the outcome documentation. Digitalization diminishes human mistake and hence assembles client reliability. clock admittance to banks because of web based banking. Clients need not store money any longer and can make exchanges at any spot and time. A few business banks began moving towards advanced client administrations to stay serious and important in the race. Banks have profited in a few chime more current innovations. E-banking has brought about lessening costs radically and has produced income through different channels. Business Banks in India have moved towards innovation by method of Bank Mechanization and n to MICR based check preparing, Electronic Funds move, Interconnectivity among bank Branches and usage of ATM (Automated Teller Machine) Channel have brought about the comfort of Anytime banking. Solid activities have been taken by t Reserve Bank of India in fortifying the Payment and Settlement frameworks in banks. Indian government, banks, fintech organizations have been advancing and changing the way India goes through its cash. Simultaneously computerized transformation additionally raises new test the steadiness and the honesty of the budgetary framework and the security of purchasers.
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Varaprasad, G., R. Sridharan, and Anandakuttan B. Unnithan. "Internet Banking Adoption by the Customers of Private Sector Banks in India." International Journal of Strategic Decision Sciences 4, no. 1 (January 2013): 40–51. http://dx.doi.org/10.4018/jsds.2013010103.
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The rapid advancements in communication and information technology have changed the functional scenario of the banking sector significantly. The savings in time, money and effort by a novel channel of banking called as internet banking has been found to be an optional channel for the traditional banking. The objective of this study is to identify the determinants of internet banking adoption in private sector banks of India. Factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage and trialability have been found to be the determinants of internet banking in the previous studies. A new variable called conspicuousness has been introduced in the present study. Such a study has not been conducted in the Indian context antecedently. A model has been proposed and tested using various statistical techniques. The findings are of great use primarily for the banks which are planning to offer internet banking services, and for already existing banks to focus on the gaps.
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Nataraj, Geethanjali, and Ashwani. "Banking Sector Regulation in India: Overview, Challenges and Way Forward." Indian Journal of Public Administration 64, no. 3 (July 24, 2018): 473–86. http://dx.doi.org/10.1177/0019556118783065.
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The Indian banking industry is undergoing the rollout of innovative banking models in the form of more promotion to private banks for attaining the productivity and efficiency. However, increase in the quantity of non-performing assets, poor credit growth and low profitability of Indian banks cast doubt about the industry’s resilience towards maintaining the country’s economic growth trajectory. While taking lessons from global regulatory bodies and keeping in view the domestic problem of the Indian banking industry, the dire need of the hour is to maintain proper checks and balances on banking transactions. The article goes on to sum up the various measures initiated by government to deal with banking-sector challenges and how an attempt is made to adapt regulatory measures from global best practices which could help the banking sector in India become more robust, efficient and effective in preventing all fraudulent transactions and enhancing the quality of its assets.
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Bansal, Rohit, Arun Singh, Sushil Kumar, and Rajni Gupta. "Evaluating factors of profitability for Indian banking sector: a panel regression." Asian Journal of Accounting Research 3, no. 2 (October 8, 2018): 236–54. http://dx.doi.org/10.1108/ajar-08-2018-0026.
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Purpose The purpose of this paper is to quantify several measures to examine the determinants of profitability for the listed Indian banks. The authors include both public sector (PSUs) and private sector’s banks in the study. The authors have taken all the banks that are registered on the Bombay stock exchange (BSE) in the sample. This paper also intends to identify the association between the net profit margin (PM) and return on assets (ROA) with the several other independent variables of the Indian banking sector including private banks and public banks over the past six years starting from April 1, 2012 to March 31, 2017. Therefore, a sample of 39 listed banking companies and total 195 balanced observations are selected for the analysis purpose. Design/methodology/approach The authors have used profitability as a dependent variable represented by net PM, ROA and several financial ratios as independent variables. Financial statement and income statement of all listed banks were obtained from BSE and particular company’s website. Panel data regression has been analyzed with both the descriptive research techniques, i.e., fixed effects and random effects. The authors also verified both panel techniques with Hausman’s specification test, which is a widely used procedure for selecting a panel effect. The authors applied PP – Fisher χ2, PP – Choi Z-statistics and Hadri to testing whether the data set is free from unit root problem and data set is a stationary series. Findings Results imply that interest expended interest earned (IEIE) and credit deposit ratio (CRDR) reduced the profitability of private banks in India. IEIE, CRDR and quick ratio (QR) reduced the profitability of public banks in India, while cash deposit ratio (CDR) and Advances to Loan Funds (ALF) increased the effectiveness of public banks. Under the total banks IEIE, CRDR reduced the profitability, on the other side, CDR, ALF and Total Debt to Owners Fund (TDOF) increased the profitability of total banks in India. Under the dependency of ROA, CRDR and TDOF reduced the return of private banks in India, while CDR, ALF and QR enhanced the profitability of private banks. Originality/value No variables found significant under public banks while taking ROA as a dependent variable. Under the overall banking data, CRDR reduced the profitability. On the other side, capital adequacy ratio and ALF increased the profitability of total banks in India. The findings of this study will support policy creators, financial executives and investors in constructing investment decisions.
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Krishnaswamy, Sai Preethi. "MACROECONOMIC FACTORS, CORRUPTION, NPAS IN 4 PUBLIC SECTOR BANKS: A CROSS STUDY." INFORMATION TECHNOLOGY IN INDUSTRY 9, no. 1 (March 10, 2021): 766–72. http://dx.doi.org/10.17762/itii.v9i1.197.
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Banks play a vital role in economic development and growth of a country. A sound and healthy financial institution ensures overall stability of the system. Commercial and cooperative banks together constitute the Indian Banking System. Commercial Banks account for more than 90% of the banking sector’s assets. The public sector banks account for a substantial part of the banking activity in India. The growth in banking sector has been burdened and hindered by increasing non-performing assets. In this paper, we aim to understand the influence of macroeconomic factors such as GDP per capita, Real Interest rates and inflation along with some bank factors such as bank size, diversification of assets and priority sector lending on NPAs of four PSBs - Punjab National Bank, Andhra Bank, Corporation Bank and Indian Bank. This paper also aims to understand whether corruption could be a determinant for NPAs in these banks.
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Pandey, Alok, and Syamal K. Ghosh. "NPA Management in India: In Search of a New Paradigm?" Paradigm 9, no. 2 (July 2005): 64–76. http://dx.doi.org/10.1177/0971890720050207.
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The banking & financial sector in India is undergoing rapid transformation Banks & financial institutions have amassed huge NPA's (Non-Performing Assets). This paper presents a comparative analysis of NPA management practices in several Asian countries and seeks to find out whether Indian institutions should emulate these. It also looks at several innovations in NPA and credit risk management techniques at banks & financial institutions in the last decade. This paper also analyzes the efficacy of credit derivatives as a tool for credit risk management and insolvency management in banking and financial institutions. It critically analyzes the evolution, growth and usage of these instruments since their introduction in the banking sector in India.
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Pandey, Dr Sitaram. "Effect of Increasing NPA’s on Different Dimensions of Indian Banking Sector." Trinity Journal of Management, IT & Media 10, no. 1 (2019): 47–52. http://dx.doi.org/10.48165/tjmitm.2019.1004.
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The study is basically capturing the effect of increasing non-performing assets on different dimensions of Indian banking sector. These dimensions include liquidity, solvency, profitability, capital adequacy & operating capability. The dimensions will be measured through different financial ratios. Financial reports of 06 banks composed of three public sector banks, namely Punjab national bank (PNB), State bank of India (SBI), and Union Bank of India (UBI) and three of private sector banks namely HDFC Bank, ICICI Bank & Axis Bank was used to analyze effect of NPA’s for ten years (2010-2019) on financial ratios comparing the net NPA to net advances, liquid asset to total asset ratio, total liabilities to total shareholder’s fund, return on assets, bank’s capital to risk weighted assets and operating expenses to total assets. Through correlation and regression analysis, a model was established, and it is found that only one variable ROA turns as a significant influencer among them. It means turning of performing assets into non-performing asset directly affecting the profitability of banking sectors.
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Barathi Kamath, G. "The intellectual capital performance of the Indian banking sector." Journal of Intellectual Capital 8, no. 1 (January 23, 2007): 96–123. http://dx.doi.org/10.1108/14691930710715088.
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PurposeThe paper seeks to estimate and analyze the Value Added Intellectual Coefficient (VAIC™) for measuring the value‐based performance of the Indian banking sector for a period of five years from 2000 to 2004.Design/methodology/approachAnnual reports, especially the profit/loss account and balance‐sheet of the banks concerned for the relevant years, were used to obtain the data. A review is conducted of the international literature on intellectual capital with specific reference to literature that reviews measurement techniques and tools, and the VAIC™ method is applied in order to analyze the data of Indian banks for the five‐year period. The intellectual or human capital (HC) and physical capital (CA) of the Indian banking sector is analysed and their impact on the banks' value‐based performance is discussed.FindingsThe study confirms the existence of vast differences in the performance of Indian banks in different segments, and there is also an improvement in the overall performance over the study period. There is an evident bias in favour of the performance of foreign banks compared with domestic banks.Research limitations/implicationsAll 98 scheduled commercial banks are studied as per the information provided by the Reserve Bank of India (RBI)/India's Apex bank. Regional rural banks (RRBs), a segment of the indian banking sector, are not dealt with in the study since their number is large (more than 200), but they contribute only 3 percent of the market of Indian banks. This paper is a landmark in Indian banking history as it approaches performance measurement with a new dimension.Practical implicationsThe paper has strong theoretical foundations, which have a proven record and applications. The methodology adopted has been research tested. Domestic banks in India are provided with a new dimension to understand and evaluate their performance and benchmark it with global standards. The paper also has policy implications, as it reflects the lop‐sided growth of a few sections in the Indian banking segment.Originality/valueThe paper represents a pioneering and seminal attempt to understand the implications of the business performance of the Indian banking sector from an intellectual resource perspective.
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Munjal, Parul, and P. Malarvizhi. "Impact of Environmental Performance on Financial Performance: Empirical Evidence from Indian Banking Sector." Journal of Technology Management for Growing Economies 12, no. 1 (April 28, 2021): 13–24. http://dx.doi.org/10.15415/jtmge.2021.121002.
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There has been long-standing debate over whether or not firms gain economic competiveness from reducing their impact on the environment. Although ample literature is available on association between environmental performance and financial performance across various sectors, little empirical evidence is available in context of Indian banking sector. This research aims to analyze whether there is any significant relationship between environmental performance and financial performance of banks operating in India for a period 2013-14 to 2017-18. Secondary data has been collected for a sample of 83 banks operating in India. Content analysis was applied to extract information about environmental performance disclosed by sample banks followedby construction of environmental disclosure score index. Hierarchical multiple regression was applied to analyze relationship between environmental performance and financial performance after controlling for effects of size, financial leverage and capital intensity. Results exhibit no significant relationship between environmental performance and financial performance of banks operating in India. Findings of this research are expected to provide insight to users and readers of financial statements to have better understanding about the environmental practices carried out by banks. It would also contribute significantly towards decision making for policy makers in Indian banking sector to establish mandatory environmental legislations for reporting on environmental practices in order to improve non financial disclosure and financial performance in Indian banking sector.
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T, Sobha Rani. "Profitability performance of private sector banks." Journal of Management and Science 1, no. 2 (June 30, 2013): 267–80. http://dx.doi.org/10.26524/jms.2013.32.
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Banking plays a crucial role in enriching the economic and social life of nations all over the world.. Their ability to make a positive contribution in igniting the process of growth depends on the effective banking system. Private banking in India was practiced since the beginning of banking system in India. Technique. It represents the efficiency with which the operations of the banks are carried on. The analysis of the profitability performance is extremely useful to various interested parties Profitability performance analysis is one of them.In the present study, an attempt has been made to appraise the financial position of the bankthrough the application of profitability performance analysis technique.
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Mohanty, Shiba Prasad, Ashish Mahendra, and Santosh Gopalkrishnan. "“Soar” or “Sore”." International Journal of Information Technology Project Management 13, no. 3 (July 1, 2022): 1–17. http://dx.doi.org/10.4018/ijitpm.313662.
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The study examines the factors affecting the performances of the Indian banking sector, especially after the global financial crisis. The sample constitutes a total of 33 scheduled commercial banks (SCBs) that were operative in India during the period extending from 2002 to 2016 by employing a panel data model. It also reports that leverage and management efficiency as internal determinants do have a significant impact, while inflation as an external determinant affects the bank's profitability. The Indian banking industry has been less affected by the influence of external factors as compared to profitability.
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Prashad, Anjali. "Regulatory Arbitrage and Presence of Foreign Banks: Evidence from the Indian Banking Sector." Global Journal of Emerging Market Economies 12, no. 3 (September 2020): 303–34. http://dx.doi.org/10.1177/0974910120961571.
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Presence of a heterogeneous banking system across countries provides opportunities for cross-border banks to indulge in activities of regulatory arbitrage. This article attempts to investigate whether regulatory arbitrage induces the presence of foreign banks in India. Using relevant country-level data on various aspects of banking regulations, we conduct a series of panel regressions to examine the effect of cross-country gap in banking regulations on foreign banks’ presence in India. We find regulatory arbitrage as significantly determining foreign banks’ presence in India, after controlling for other factors (income level of home country, bilateral economic relationship, colonial and linguistic commonality, and geographic proximity).
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M, Sumathy, and Shaneeb P. "Impact of Online Banking on Firm Perfromance; A Study on Indian Public Sector Bank." Technoarete Transactions on Advances in Social Sciences and Humanities 2, no. 1 (May 23, 2022): 10–14. http://dx.doi.org/10.36647/ttassh/02.01.a003.
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Online banking is emerging with great force. Many industries are set up to provide technical assistance to banks so that this facility can be easily accessed to urban and rural areas of the country. In today’s dynamic world, large customers prefer to transact through banks, which use money transfers, bill payments, account statements are via “Online Banking". In the current scenario, all banks globally are urging their customers to use e-banking because it saves time, transaction costs and faster returns, and they believe that automated financial transactions have greater benefits and greater benefits. It offers a number of benefits to online banking customers and various banking services. This paper focuses on the results of online banking based on the performance of the top ten public sector banks in India, as reported by RBI, Market Capitalization and Total Assets of Indian Bank Enterprises. To this end, this research paper analyzes the financial ratios of banks and is based on secondary banking data in nature. Keyword : Online banking, Return on equity, Return on assets
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Reddy, Sriharsha. "Non-Performing Loans in Emerging Economies – Case Study of India." Asian Journal of Finance & Accounting 7, no. 1 (June 14, 2015): 183. http://dx.doi.org/10.5296/ajfa.v7i1.7687.
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<p>Recovery of non-performing assets is considered as one of the biggest problems for the entire banking industry as the earning capacity and profitability of many banks are adversely affected by the high level of NPAs. In this paper an attempt is made to outline the problem of NPAs in Indian banking system. The objectives of the paper are to observe the trends in the incidence of NPAs in Indian banking system, to understand the problem of NPAs in India in comparison with select economies in the world and to outline the policy measures to curtail incidence of NPAs in India. It is observed that the public sector and to some extent the private banks accounts for the bulk of the NPA problem during recent years due to global financial turmoil. Thus, while the policies that have been implemented to address the NPA problem may have been largely successful, there are further steps that can be taken by the RBI as well as by the banks themselves to tackle the problem of NPAs.</p>
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Jorum, Tasleema M., and Sujata S. Mali. "Performance of Regional Rural Banks after Amalgamation in India: Progress and Prospects." Artha - Journal of Social Sciences 11, no. 3 (July 18, 2012): 1. http://dx.doi.org/10.12724/ajss.22.1.
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For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons for India's growth process. The government's regular policy for Indian banks since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. Regional Rural Banks started their development process on 2 October 1975 with the formation of a single bank—Prathama Grameen Bank. The RRBs mobilize financial resources from rural/semi-urban areas and grant loans and advances mostly to small and marginal farmers, agricultural labourers and rural artisans. The area of operation of RRBs is limited to the area as notified by GoI covering one or more districts in the State. In this context, the present study is an attempt to examine the impact of amalgamation on physical performance of RRBs during post-amalgamation period.Keywords: Banking; Regional rural banks; Amalgamation; Profit and loss and economic development; NPAs and deposits.
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Dr. Dilip Kumar Gupta, Dr Sapna Kasliwal,. "Small Number of Big Banks: An Overview of Recent Mergers in Indian Banking Sector." Psychology and Education Journal 58, no. 3 (February 25, 2021): 1113–23. http://dx.doi.org/10.17762/pae.v58i3.3108.
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Government of India with its vision to create globally competitive banks has initiated the consolidation of smaller PSB’s in bigger entities. The merger of five regional banks with State Bank of India and merger of two Public Sector Banks (PSBs) Dena and Vijaya with Bank of Baroda in recent past (2019) followed by mega consolidation plan of merging ten public sector banks into four banks is an indication of direction of the wind is going to blow for Indian banking industry. This policy of consolidation is an important tool used by banks for corporate restructuring and is in line with reformist agenda pursued by Govt of India (GOI) since 1990. These entities are to receive recapitalization funds from GOI to boost their net-worth strengthening their capital base. The present research is conducted to understand the objectives and statistics behind these mergers.
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Ashoka, M. L., T. S. Rakesh, and S. Madhushree. "Consumer Perception and Satisfaction Towards Internet Banking and Mobile Banking with Reference to Nationalized Banks in Rural India." International Journal of Asian Business and Information Management 8, no. 4 (October 2017): 29–40. http://dx.doi.org/10.4018/ijabim.2017100103.
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Today, the Indian government is emphasising more on cash less transactions in order to eliminate black money activity in the market. In supporting to this internet and mobile banking is also one of the initiations steps taken by the nationalized banks. Even there are money private sectors banks are also coming up with innovative products of service to facilitate the customer in cashless transactions either in shopping, banking, payment of bills, recharges etc. This venture may be successful in the urban part of the India but making it reachable to the rural part is a big challenge. In this background, current study is focusing on the issues related to the internet and mobile banking usage and its impact on the consumers and their satisfaction towards the facilities offered by the nationalized banks in the rural part of the India especially in the Belthangady taluk, Dakshina Kannada district, Karnataka.
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Kaur, Gurjeet, and Shruti Gupta. "Business Orientation of Indian Consumer Banking." Global Business Review 13, no. 3 (October 2012): 481–507. http://dx.doi.org/10.1177/097215091201300309.
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The study analyzes the overall business orientation of Indian consumer banks by examining five important business philosophies, namely, production orientation, selling orientation, customer orientation, market orientation and relationship marketing orientation. It throws light on the extent to which each business orientation is followed by Indian banks. All the 39 branches of Jammu and Kashmir Bank Pvt. Ltd (JKB), 13 of State Bank of India (SBI) and 17 of Punjab National Bank (PNB) functioning in Jammu city respectively were contacted. The study found that Indian banks are purely customer oriented and had not yet fully implemented a market orientation philosophy. Moreover, they are not following relationship marketing philosophy, which is the need of the hour and it is imperative for banks to focus on developing long-term relationships with their customers. Further, the two business philosophies, namely, production orientation and selling orientation show insignificant impact on the overall business orientation of Indian banks. Therefore, bank management should concentrate equally on technology and an effective promotional mix. Moreover, they should rethink customer-oriented strategies according to the changing competitive environment and simultaneously think of a market orientation philosophy. Further, management should focus equally on four components of relationship marketing, namely, trust, commitment, loyalty and customer retention.
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Jain, Dr Neetu. "A Comparative study of Non Performing Assets in State Bank of India, Punjab National Bank and Bank of India." International Journal of Management and Humanities 8, no. 10 (June 30, 2022): 1–9. http://dx.doi.org/10.35940/ijmh.j1491.0681022.
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The incidence of NPA is the focal threat of banking sector. The Non-Performing Assets (NPAs) problem is one of the foremost and the most formidable problems that have shaken the whole banking sector in India like an earthquake. Like a cancer worm, it has been eating the banking system from within, since long. It has grown like a cancer and has infected every limb of the banking system. It has an effect on profitability and liquidity along posing threat on asset quality and survival of banks. The NPAs are considered as an important parameter to judge the performance and financial health of banks. The growing NPAs have been a cause of concern for the entire banking industry. Researcher has tried to study the status of NPA in selected public sector banks SBI, PNB and BOI.
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Kant, Rishi, and Deepak Jaiswal. "The impact of perceived service quality dimensions on customer satisfaction." International Journal of Bank Marketing 35, no. 3 (May 15, 2017): 411–30. http://dx.doi.org/10.1108/ijbm-04-2016-0051.
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Purpose In the present competitive scenario in the Indian banking industry, service quality has become one of the most important facets of interest to academic researchers. The purpose of this paper is to determine the dimensions of perceived service quality and investigate their impact on customer satisfaction in the Indian banking context, with special reference to selected public sector banks in India. Design/methodology/approach On the basis of the empirical study, the authors validate a measurement model using structural equation modeling for investigating the impact of perceived service quality dimensions on customer satisfaction. The study sample consists of 480 respondents in the National Capital Region (NCR) of India; the data were collected through a structured questionnaire utilizing a seven-point Likert scale while implementing a purposive sampling technique. Findings The perceived service quality dimensions identified were tangibility, reliability, assurance, responsiveness, empathy, and image. The empirical findings revealed that “responsiveness” was found to be the most significant predictor of customer satisfaction. On the other hand, “image” (corporate image) has a positive but the least significant relationship with customer satisfaction followed by all other constructs. The exception is “reliability,” which is insignificantly related to customer satisfaction in Indian public sector banks. Research limitations/implications The study cannot be generalized in the context of Indian banking sectors, as it only focused on the public sector. The findings of this study suggest that the six dimensions of perceived service quality model are a suitable instrument for evaluating bank service quality for public banks in India. Therefore, bank managers can use this model to assess the bank service quality in the context of Indian public sector banks. Originality/value There is dearth of research focusing on corporate image as a dimension of perceived service quality and its effect on customer satisfaction in the Indian banking context. Furthermore, similar studies were rarely found in the Indian context, especially within the public banking sector. Hence, this paper attempts to accomplish the research gap by empirically testing the satisfaction level of a large sample of the population in NCR toward six dimensions of perceived service quality rendered by selected public sector banks in India.
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Rai, Shailendra, Miia Chabot, Jean-Louis Bertrand, and Imlak Shaikh. "INDIAN BANKING INDUSTRY: A NEW EVIDENCE FROM A PROFITABILITY PERSPECTIVE." Business: Theory and Practice 22, no. 2 (October 4, 2021): 349–60. http://dx.doi.org/10.3846/btp.2021.12982.
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While India is set to become the world’s most populous country by 2050, it is also the home to the world’s largest number of unbanked individuals. This paper aims to investigate the profitability issue with a focus on public banks. Using a new methodology based on comparisons tests and panel analysis that test unobserved heterogeneities between banks. We show that public banks are not low performers, nor can private banks be considered high performers Finally, we show that the proportion of non-performing assets (NPAs) is a real concern and requires urgent attention of government and regulators for Indian banks to serve profitability their home market. Banks that make more profits on non-interest income are not necessarily less profitable than others. Further, outcomes favour the ideas that if public banks are able to clean-up their non-performing assets as well as follow a sound prudential regulation, their profits could strongly grow. Future reforms must consider the public bank’s key role in the growth of the India’s economic outlook, especially when it comes to projects of social importance and national priority. The study is based on 105 banks with cross-sections from 2003–2016; however, India’s government has initiated reforms in the banking segment, which has led to a significant decrease in government stake and the number of banks.
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Reddy, Kalluru Siva. "Are Banks in India Diversified Enough, Geographically, Across States and Economic Sectors?" Review of Development and Change 26, no. 1 (April 23, 2021): 83–103. http://dx.doi.org/10.1177/09722661211005585.
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This article, the first of its kind for the Indian economy, constructs lending environment portfolios of economic activities that banks in India have been faced with, for four Indian banking groups based on the extent of their operations in terms of their deposit shares in each state and the lending-portfolio mix of economic activities in those states. For empirical analysis, data on seven components of gross domestic product and state gross domestic product for 29 states from 1980–1981 to 2016–2017 were taken. The results reveal that the portfolio variances (risk) of the bank groups have declined in the last three decades. Compared to domestic private banks, the State Bank of India group and nationalised banks seem to have significantly reduced their environmental portfolio variability. Simulations to grasp the reasons for this geographic risk reduction show that structural economic reforms introduced in the early 1990s seem to have contributed more than changes in the banking structure in reducing the portfolio risk of banks.
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Prasad, Aumkar. "IMPACT OF M-BANKING ON THE PROFITABILITY OF COMMERCIAL BANKS IN INDIA." International Journal of Advanced Research 10, no. 11 (November 30, 2022): 1293–98. http://dx.doi.org/10.21474/ijar01/15793.
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Banking sector has always been the lifeblood of any economy and specifically of developing economies.With advent developments and technological advancements this sector has seen a transformation from its conventionalform to e-banking and recently to m-banking. The present study is an attempt to describe the current state of Mobilebanking in India. This paper is an assessment towards the impact of m-banking on the profitability of scheduledcommercial banks in India. The data pertaining to the usage of mobile banking and profitability measures of allscheduled commercial banks in India has been collected through RBI website and CMIE Database for the period from 2010 to 2020. Itwas found in the study that although the usage of m-banking has tremendously increased during the period of study,it has not played any significant role towards improvisation in the profitability of these banks. Also, m-banking hasbeen suffering from network effect as currently it is in its developing stage and most of the banks have recentlyincluded the concept of m-banking in the portfolio of their services. It has been opined in the paper that if all thebanks could proceed to the path of m-banking in a proper manner, the overall profitability due to m-banking willimprove in coming years.
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Bansal, Monika, and Sneha . "A Study on Indian Rural Banking Industry - Issues and Challenges." International Journal of Advance Research and Innovation 2, no. 2 (2014): 256–61. http://dx.doi.org/10.51976/ijari.221434.
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Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainly focused upon the agro sector. Rural India contributes a major chunk to the economy every year. Today, commercial banks and Regional Rural Banks in India are touching every corner of the country and are extending a helping hand in the growth process of the rural sector in the country. To give this sector a stronghold on finance and to enable economic independence, rural banks have special offerings that extend credit facilities to small farmers, agricultural labors and cottage industry entrepreneurs.
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Birt, Jacqueline, Mahesh Joshi, and Michael Kend. "Segment reporting in a developing economy: the Indian banking sector." Asian Review of Accounting 25, no. 1 (February 6, 2017): 127–47. http://dx.doi.org/10.1108/ara-06-2015-0064.
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Purpose The purpose of this paper is to investigate the value relevance of segment information for both public and private sector banks in India. In doing so, this paper examines a rapidly developing economy and perhaps its most critical sector during this period of strong economic growth. Design/methodology/approach In this study uses the simplified Ohlson model, for a sample of 136 private sector and public sector banks for the period 2007-2010 in India. Findings The paper finds that public sector banks have higher share prices, higher earnings and more equity compared with private sector banks. Segment earnings data is highly value relevant for both sectors; however, segment equity data is only marginally value relevant for Indian banks. The number of segments is also value relevant and associated with higher share prices. Originality/value The results of this study contribute additional evidence to the literature on segment reporting by studying the effect of adoption of segment reporting in an emerging market. Findings from the paper are particularly relevant as India is currently in the process of changing its segment reporting requirements and moving to an IFRS-based segment standard.
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PAL, MANABENDRA N., and KOUSHIKI CHOUDHURY. "EXPLORING THE DIMENSIONALITY OF SERVICE QUALITY: AN APPLICATION OF TOPSIS IN THE INDIAN BANKING INDUSTRY." Asia-Pacific Journal of Operational Research 26, no. 01 (February 2009): 115–33. http://dx.doi.org/10.1142/s0217595909002110.
Full textAbstract:
The Indian banking industry is going through turbulent times. With the lowering of entry barriers and blurring product lines of banks and non-banks since the financial sector reforms, banks are functioning increasingly under competitive pressures. Hence, it is imperative that banks maintain a loyal customer base. In order to achieve this and improve their market positions, many retail banks are directing their strategies towards increasing customer satisfaction and loyalty through improved service quality. Moreover, with the advent of international banking and innovations in the marketplace, customers are having greater and greater difficulty in selecting one institution from another. Hence, to gain and sustain competitive advantages in the fast changing retail banking industry in India, it is crucial for banks to understand in-depth what customers perceive to be the key dimensions of service quality and to evaluate banks on these dimensions. This is because if service quality dimensions can be identified, service managers should be able to improve the delivery of customer perceived quality during the service process and have greater control over the overall outcome. The study suggests that customers distinguish four dimensions of service quality in the case of the retail banking industry in India, namely, customer-orientedness, competence, tangibles and convenience. A methodological innovation in this study has been in the use of TOPSIS in the field of customer-perceived service quality. TOPSIS has been used to evaluate and ranking the relative performance of the banks across the service quality dimensions. Identifying the underlying dimensions of the service quality construct and evaluating the performance of the banks across these factors is the first step in the definition and hence provision of quality service in the Indian retail banking industry.