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Journal articles on the topic 'Private Sector Banks'

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Published: 4 June 2021
Last updated: 11 September 2023

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1

Malik, Garima, and Ajay Prakash. "The Impact of New Private Sector Banks on Old Private Sector Banks in India." Asia Pacific Business Review 4, no. 2 (April 2008): 64–73. http://dx.doi.org/10.1177/097324700800400208.

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2

V. Prabakaran, V. Prabakaran, and D. Lakshmi Prabha. "Performance Of Share Price Of Indian Public Sector Banks And Private Sector Banks - Comparative Study." Indian Journal of Applied Research 1, no. 5 (October 1, 2011): 157–58. http://dx.doi.org/10.15373/2249555x/feb2012/58.

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3

I. Irulappan, I. Irulappan, and Dr A. Venkatachalam Dr. A. Venkatachalam. "Service Quality in Private Sector and Public Sector Banks in Udumalpet." Paripex - Indian Journal Of Research 3, no. 7 (January 1, 2012): 1–2. http://dx.doi.org/10.15373/22501991/july2014/16.

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4

Kaur, Priyadeep, and Dr Monica Bedi. "A STUDY OF NON-PERFORMING ASSETS AND PROFITABILITY IN INDIAN BANKING SECTOR." YMER Digital 21, no. 03 (March 30, 2022): 406–12. http://dx.doi.org/10.37896/ymer21.03/43.

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Banking sector is one of the most important sectors of Indian Economy. Banking sector can be grouped into Public banks, private sector banks and foreign sector banks. Nowadays all the banks are facing the problem of Non-performing assets either it be the case of public banks or private sector banks. Non-performing assets are those assets where the lender of the money loses the money due to non-payment of principal amount or Interest amount by the borrower. This research paper analyses the problem of NPAs of selected Public and Private sector banks by evaluating the impact of profitability on Non-performing assets. Using secondary data, the study also compares the Gross NPAs of Public banks in priority and nonpriority sector for a period of five years from 2013-2017.The results of the study concluded that Gross NPAs negatively affects the profitability.
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5

George, Elizabeth, and Zakkariya K.A. "Job related stress and job satisfaction: a comparative study among bank employees." Journal of Management Development 34, no. 3 (April 13, 2015): 316–29. http://dx.doi.org/10.1108/jmd-07-2013-0097.

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Purpose – The purpose of this paper is to examine whether job satisfaction and job-related stress differ among employees of different banking sectors. Design/methodology/approach – Questionnaire were administered to 337 employees from various banks belonging to private sector, public sector and new generation banks. One way ANOVA was conducted to find out whether job satisfaction and job relates stress varied on the basis of three different sectors of banks. Further post hoc test was conducted to find out which sector differs significantly. Findings – Results indicated that employees of different sectors of bank had different level of job satisfaction and job-related stress. Further it was revealed that public sector banks have lower job-related stress when compared to private sector banks and new generation banks; and higher job satisfaction when compared to new generation banks. Practical implications – With the rapid developments and competition in banks, measures should be taken in private sector banks and new generations banks to reduce job-related stress and enhance job satisfaction level of employees. This may also result in increased quality of services and reduced labour turnover in banks. Originality/value – The study is original and empirical in nature. It shows that the job satisfaction and job-related stress differ among employees of different groups of banks in the banking sector. If banking sector is considered as a true representative of the service sector, the results of this study has wider implication in the service industry as a whole.
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6

Mehta, Laveena, and Meenakshi Malhotra. "Empirical Analysis of Non Performing Assets Related to Private Banks of India." International Journal of Management Excellence 3, no. 1 (April 30, 2014): 386–91. http://dx.doi.org/10.17722/ijme.v3i1.128.

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In present scenario, Indian banks are struggling with challenges related with NPA’s. Some years before these banks were in Flourishing heights.but health of these banks deteriorated because of non performing assets. Many Indian banks have been controlled their non performing assets up to a level, but some banks still have been failed to control their NPA’s status, as a result, NPA hitting the profitability of these banks. Through this research paper we have examined the trend of NPA’s over the past 8 years and the relationship between NPA’s and profitability of private sector banks. According to the Reserve bank of India priority sector lending must be promoted so that those sectors who can’t approach the organized market for lending purposes and can’t afford the higher commercial rate of interest, can get loans in an easy way. RBI specified the percentage of loans to priority sectors out of the total money lent by the banks. This paper examines the NPA in Priority Sector Lending and the impact of priority sector lending on the gross NPA of private sector banks. The result showed the significant impact of priority sector lending on gross NPA of private Sector banks. This study revolves between the period 2005 and 2012.
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7

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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8

Chauhan, Unnatti. "Relative Study of Public Sector Banks with Private Sector and Foreign Banks." Journal of Research: THE BEDE ATHENAEUM 5, no. 1 (2014): 63. http://dx.doi.org/10.5958/0976-1748.2014.00008.3.

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9

Gholipour, Hassan F., Elias Oikarinen, and Reza Tajaddini. "Banks’ lending to public and private sectors and house prices: does bank ownership matter?" International Journal of Housing Markets and Analysis 13, no. 2 (June 22, 2019): 227–49. http://dx.doi.org/10.1108/ijhma-01-2019-0006.

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Purpose The purpose of this study is to examine the interaction between banks’ lending to public and private sectors and house prices using data from the Iranian banking system including, commercial government-owned banks (CGBs), specialized government-owned banks and private banks. Design/methodology/approach The authors use quarterly data from the second quarter of 2004 to the first quarter of 2016 and apply structural vector autoregression models. Findings The results show that: a positive shock to the loan supply to the private sector triggers a positive response from house prices; a positive shock to the loan supply to the public sector does not trigger a positive response from house prices; house price appreciations contribute significantly to banks’ lending to the public sector but not lending to the private sector; each loan supply by three different types of banks influences house prices positively; and CGBs’ lending to the private sector does not respond to house price shocks. Originality/value Although the relationship between banks’ lending and house prices is well-established in the literature, existing studies have not yet examined whether bank ownership matters for the link between banks’ lending and house prices.
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10

Kulshrestha, Preeti, and Anubha Srivastava. "USE OF CAMEL RATING FRAMEWORK: A COMPARATIVE PERFORMANCE ANALYSIS OF SELECTED COMMERCIAL BANKS IN INDIA." Copernican Journal of Finance & Accounting 11, no. 1 (June 20, 2022): 67–87. http://dx.doi.org/10.12775/cjfa.2022.004.

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The performance of the banking sector is significant for any economy. The growth of a nation relies significantly upon efficient and optimum utilization of resources and also on operational efficiency of various sectors of an economy, of which the banking sector is a critical part. Banking system strengthens the stimulation of capital formation and provides liquidity. Indian banking sector comprises private, public, rural and foreign banks. In India, public sector banks are encountering challenges from private sector banks and are under constant pressure to perform better. Hence, this study endeavors mainly to analyze and compare the financial performance of the private and public banking sector by using CAMEL rating approach and for this purpose total of fourteen banks, representing the private and public, have been selected. The selected sample are the market leaders and have the highest market capitalization in the capital market. Overall, the paper aims to measure and compare the financial performance of private and public sector banks by employing CAMEL approach on their audited financial reports of eight years period i.e. (2011–2018). The ratios considered for this analysis includes Capital Adequacy (CA), Asset Quality (AQ), Management Soundness (MS), Earnings and Liquidity (LR). This study devised ranking method based on averages of various ratios and one way annova test is applied to find out statistical significance difference amongst groups. Results shown that private sector banks are better performers compare to Public sector bank. The overall results signify that the performance of private sector banks has improved because of the implementation ofmodern technology banking reforms and recovery mechanism.
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11

Solanki, Hetal, and Jigar Aggarwal. "Impact of Bank Specific Variables on Financial Performance of Private Sector Banks in India." RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 1 (January 20, 2022): 70–81. http://dx.doi.org/10.31305/rrijm.2022.v07.i01.010.

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The major goal of this research is to study the effect of bank-specific variables on private-sector banks’ financial performance. In this study, multiple regression analysis was employed. Return on assets (ROA) and return on equity (ROE) were used as profitability measures in this study to assess the profitability of private sector banks. Both the ROA and the ROE are dependent variables. The independent variables employed in the study to analyze and explain the impact of bank specific variables on the financial performance of private sector banks include liquidity risk, credit risk, capital adequacy, expense management, solvency, growth rate, and efficiency. Secondary data was collected for time period of 12 years (2008-09 to 2019-20) from the financial statements of selected banks. The results of the study suggest that when ROA is taken to represent the profitability of private sector banks; liquidity risk and expense management have adverse effect on the financial performance of selected private sector banks. However, solvency has positive effect on the financial performance of the selected private sector banks in India. When ROE is taken to represent the profitability of private sector banks; liquidity risk and expense management have negative impact on financial performance of selected private sector banks. Whereas, capital adequacy and solvency have positive impact on the financial performance of selected private sector banks in India.
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12

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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13

Bhatia, Aparna, and Megha Mahendru. "Cost Efficiency Vis-à-Vis Revenue Efficiency Analysis of Indian Scheduled Commercial Banks in a Dynamic Environment." NMIMS Management Review 29, no. 02 (April 12, 2021): 53–72. http://dx.doi.org/10.53908/nmmr.290204.

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The paper endeavours to analyze Cost Efficiency vis-à-visRevenue Efficiency of Scheduled Commercial Banks (SCBs) as well as across ownership in India. Data Envelopment Analysis (DEA) has been employed to calculate the efficiency scores of SCBs over five points of time i.e. 2000-01, 2004-05, 2008- 09, 2012-13 and 2016-17. The differences in the efficiency scores are examined by applying Analysis of Variance (ANOVA). The results of Cost and Revenue Efficiency of Indian Scheduled Commercial Banks highlight that the highest level of inefficiency subsist on the cost side as Scheduled Commercial Banks have higher Revenue Efficiency scores in comparison to Cost Efficiency scores. Cost Efficiency across ownership shows that Public Sector Banks have higher Cost Efficiency in 2000-01. Private Sector Banks are cost efficient in 2004-05 while Foreign Sector Banks show higher Cost Efficiency scores in 2008-09, 2012-13 and 2016-17. Revenue Efficiency scores shows that Public Sector Banks have higher scores as compared to Private and Foreign Sector Banks in the 2000-01 and 2004-05. Foreign Sector Banks are revenue efficient in 2008-09 and 2016-17 with Private Sector Banks taking the lead in 2012-13. The results of ANOVA reveal that there exists a statistically significant difference in Cost Efficiency and Revenue Efficiency among banks in different sectors over different points of time.
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14

Kattel, Indra Kumar. "Evaluating the Financial Solvency of Selected Commercial Banks of Nepal: An Application of Bankometer." Journal of Advanced Academic Research 1, no. 1 (September 29, 2015): 88–95. http://dx.doi.org/10.3126/jaar.v1i1.13518.

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Banking industry of Nepal is moving towards the goal of integrated financial service because of competition, frequently changes in technology, and customers' expectations. Financial system is reflected through sound solvency position in the banking sector. Therefore, the aim of this study is to evaluate the financial soundness of joint venture banks and private sector banks in Nepal by using bankometer model for the period covering 2007- 2012. The bankometer model was used developed according to International Monetary Fund guidelines. The study has found that all the private and joint venture banks are in sound financial position. The finding of the study reveals that private sector banks are financially sounder in comparison to joint venture banks. The study concludes that bankometer model will help the bank's internal management to mitigate the insolvency risk within proper control and supervision at the operational level.Journal of Advanced Academic Research Vol.1(1) 2014: 88-95
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15

Narayanaswamy, T., and A. P. Muthulakshmi. "Efficiency of Private Sector Banks in India." Indian Journal of Finance 8, no. 10 (October 1, 2014): 33. http://dx.doi.org/10.17010//2014/v8i10/71847.

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16

Narayanaswamy, T., and A. P. Muthulakshmi. "Efficiency of Private Sector Banks in India." Indian Journal of Finance 8, no. 10 (October 1, 2014): 33. http://dx.doi.org/10.17010/ijf/2014/v8i10/71847.

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17

Vanvi, Anil Kalubhai. "Profitability Analysis of Selected Private Sector Banks." Journal La Bisecoman 3, no. 3 (September 2, 2022): 129–32. http://dx.doi.org/10.37899/journallabisecoman.v3i3.677.

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The fundamental objective of this study is to acquire an understanding of the profitability of the many private sector banks that were selected for the purpose of investigation. A lottery was used as the fundamental method of random sampling for the purpose of this inquiry. The sample unit for this investigation will consist of five banks that were chosen by the researcher. The investigation will take place over the course of a period of five calendar years, commencing in 2017 and concluding in 2021. The researcher made use of a variety of accounting techniques, such as profitability ratios, as well as statistical methods, such as one-way analysis of variance; the findings are discussed further down in this section.
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18

Agrawal, Shalini. "Customer Relationship Management in Private Sector Banks." International Journal of Advance Research and Innovation 1, no. 3 (2013): 140–46. http://dx.doi.org/10.51976/ijari.131318.

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Customer Relationship Management is a business strategy in this competitive scenario.CRM is being used as a tool to enhance a business and a firm profit. Banks are giving much emphasis on CRM to maintain old customers and make new customers. Present study focuses on CRM. Customer relationship management (CRM) is a business strategy in public sector banks. Geographical region Jaipur (Rajasthan) in India has been selected for this research paper. Multiple choice questionnaires is drafted and random sampling is used for this study. 86 private sector banks customers have been selected- 43 ICICI bank customers and 43 AXIS bank customers. Mean and percentage have been used for data analysis. After data analysis findings show that customers are satisfied from service factors, staff factors, environment factors apart from promotional factors. By promotional factors customers are less satisfied.
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19

Kaur, Kulpreet, and Rajwant Kaur. "A Comparative Analysis on Deposit and Credit Deployment by Public and Private Sector Banks in India during the Period from 2007 to 2021: An Empirical Evidence." YMER Digital 21, no. 08 (June 12, 2022): 431–59. http://dx.doi.org/10.37896/ymer21.08/39.

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The present paper has been conducted to examine the comparative relationship of two variables namely, deposits and credit deployment of public sector and private sector banks during the period from 2007 to 2021. For analysis purpose, the study has been used secondary data and to analyze it, a number of techniques, namely, mean, standard deviation, coefficient variation, compound annual growth rate and credit-deposit ratio have been used. The study found that the CAGR of total credit of private sector banks is 16.63 percent which is higher than public sector banks which has just only 10.64 percent. The findings of the study reveals that the credit deposit ratio of private sector banks is higher than public sector banks during the study period. On the basis of analysis, the study further found that the private sector banks have highest CAGR in case of the population group where distribution of credit as compared to public sector. Overall, the study found that the performance of private sector banks is better than public sector banks as per given variables during the study period. Therefore, the study recommends a number of constructive measures to public sector banks for the improvement in deposit and credit deployment schemes in the future. Keywords: Banking, Credit, Deposit, Deployment, CAGR, Standard Deviation.
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20

Mohan, M., and K. Someshwer Rao. "A study on operational performance of selected public and private sector banks in India." International Journal of Interdisciplinary and Multidisciplinary Research 6, no. 9 (September 15, 2021): 26–33. http://dx.doi.org/10.54121/2021/09/1494.

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The banks are prime intermediaries in mobilising the resources to various sectors of Indian economy. The flow of bank credit has a positive impact on the growth of the banking sector and contributes increasing the national income, employment and production. The present study analysing the operational performance of the public and private sector banks in India. The purpose of the study two public and private sectors banks SBI, PNB and HDFC, ICICI banks selected. The study period covers five years 2015 to 2019. The data analysis has been done using the ratio analysis, descriptive statistics like mean, standard deviation, coefficient of variation.
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21

Anandanatarajan, K. "A Study on Human Resource Management Practices and Customer Satisfaction in the Select Public and Private Sector Banks." Asian Journal of Managerial Science 6, no. 2 (November 5, 2017): 71–75. http://dx.doi.org/10.51983/ajms-2017.6.2.1248.

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The primary aim of the study is to analyze the impact of human resource management practices on customer satisfaction in public and private sector banks. The result of the study reveals that both in public and (Dutta and Dutta, 2009) private sector banks combined together, the officers have moderate perception, clerical and sub staff have low perception about overall human resource management practices of the banks. Similarly, officers in public and private sector banks have moderate perception and clerical and sub staff revealed low perception. It can be inferred from the study that all officers in the public and private sector banks are moderately satisfied with the overall human resource management practices whereas clerical and sub staff have expressed very low satisfaction with the overall human resource management practices practiced by the banks. The study further revealed that the private sector banks provide better service quality when compared to public sector banks in the study area. The study further revealed that the private sector banks provide better service quality when compared to public sector banks in the study area. There is a significant association between human resource management practices and service quality dimensions such as tangibility, reliability, responsiveness, assurance, empathy and overall customer satisfaction. It is evident that all human resource management practices are highly contributing to the enhancement of customer satisfaction of the sample bank.
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22

Suba, Nitin R. "Comparative Analysis of Capital Adequacy & Earnings Capacity of Select Public & Private Sector banks of India based on CAMEL Approach." RESEARCH HUB International Multidisciplinary Research Journal 10, no. 5 (May 31, 2023): 05–12. http://dx.doi.org/10.53573/rhimrj.2023.v10n05.002.

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The objective of this paper is to perform comparative analysis of the financial performance of 5 public and 5 private sector banks of India over a period of five years i.e. (2008-09 to 2012-13). For this purpose, CAMEL approach has been used. CAMEL is an acronym for measures Capital adequacy, Assets quality, Management soundness, Earnings, and Liquidity. Out of five, two measures are taken for analysis i.e. Capital Adequacy and Earnings Capacity. Ten commercial banks were selected purposively for the study. The ratios depicting the CAMEL parameters were calculated based on the publicly available information published at Reserve Bank of India, Indian Bankers’ Association, annual reports of respective banks and Moneycontrol.com. T Test has been applied to test four hypothesis and findings have been statistically counted. From the aforementioned, summarized findings, we can clearly note that private sector banks do well in terms of both indicators of financial performance. Private sector banks capital adequacy is more than public sector banks. Private sector banks earn more profit margin than public sector banks. It is found that public sector banks provide more net worth to the shareholders with compare to private sector banks.
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23

Vadrale, Kavita S., and V. P. Katti. "Branch Productivity of Selected Indian Public and Private Sector Banks." Contemporary Social Sciences 27, no. 4 (October 1, 2018): 135–46. http://dx.doi.org/10.29070/27/58315.

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24

Joshi, Alpa. "A Study on Profitability Analysis of Selected Private Sector Banks." International Journal of Scientific Research 2, no. 5 (June 1, 2012): 37–38. http://dx.doi.org/10.15373/22778179/may2013/16.

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25

Sulaiman, Zaagha Alexander, and Murray Monday Ebike. "Deposit Money Bank Policy and Private Sector Funding: A Multi-Dimensional Study from Nigeria." Australian Finance & Banking Review 4, no. 1 (June 9, 2020): 18–35. http://dx.doi.org/10.46281/afbr.v4i1.600.

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This study empirically examined the effect of deposit money banks policy on private sector funding in Nigeria. Time series data was sourced from Central Bank of Nigeria Statistical Bulletin from 1985-2018. Credit to private sector, credit to core private sector and credit to small and medium scale enterprises was used as dependent variables while liquidity ratio and loan to deposit ratio was used as independent variables. Ordinary Least Square (OLS), Augmented Dickey Fuller Test, Johansen Co-integration test, normalized co-integrating equations, parsimonious vector error correction model and pair-wise causality tests were used to conduct the investigations and analysis. The empirical findings revealed that deposit money banks policy explains 40.8 percent variation on credit to core private sector, 28.1 percent and 58.9 percent of the variation in credit to core private sector and credit to small and medium scale enterprises sector. The study conclude that deposit money banks policy has no significant relationship with credit to private sector and credit to core private sector but has significant relation with credit to small and medium scale enterprises sector. From the findings, the study recommends compliance to deposit money banks policies; this will enhance effective financial intermediation and increase funding of the private sector. There is also need for the regulatory authorities to harmonize the various deposit money banks policies with the objective of enhancing private sector funding. There is need to decentralize the operation of the deposit money banks in the urban cities. Policies should be formulated to extend the operation of the deposit money banks to the rural communities, this will enable the institutions to mobilize much deposit and increase credit to the private sector.
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Durafe, Aniruddha, and Manmeet Singh. "Cyclical Behavior of Public and Private Sector Banks: A Comparative Study of Non-performing Assets." Journal of Business and Management Research 1, no. 1 (February 19, 2016): 14–25. http://dx.doi.org/10.3126/jbmr.v1i1.14548.

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This study examines the cyclical behavior of both the public and private sector banks in India with a focus on non-performing assets. The motivation behind this study is to find out whether non-performing assets of public sector banks and private sector banks in India exhibit procyclical behavior. Pearson correlation coefficient results suggest countercyclical behavior of gross non-performing assets and current state of economy in both public and private sector banks. The study also employed multiple regression analysis which shows that all bank specific variables have significant effect on gross non-performing assets in public sector banks while macroeconomic variables are found to be insignificant in presence of bank specific variables. In case of private sector banks, current state of economy is found to be significant in presence of bank specific variables with negative sign. In another model, which includes only macroeconomic variables, economy wide fluctuations and inflation are found significant in both public and private sector banks in India.Journal of Business and Management Studies Vol.1(1) 2016: 14-25
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27

Kumar, Mahesh, and Sanjay Gupta. "Security perception of e-banking users in India: an analytical hierarchy process." Banks and Bank Systems 15, no. 1 (February 13, 2020): 11–20. http://dx.doi.org/10.21511/bbs.15(1).2020.02.

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When choosing online financial transactions, security is a paramount concern of users. Three categories of banks in India, namely public, private and foreign banks, have a completely different focus on technology and capabilities. The study aims at investigating e-banking users’ perception with regard to online risk for public, private and foreign banks. Online risk perception for the abovementioned banks was assessed on three major risk parameters, i.e. security aspect, privacy aspect, and trust; using a multiple-criteria decision-making tool, called the Analytical Hierarchy Process (AHP). The outcomes indicate that security risk is paramount among various aspects of perceived risk, followed by privacy and trust concern. Moreover, public sector banks are perceived to be the safest in this aspect. Public sector banks are also considered to be benign in terms of privacy and trust. Given the general user’s perception of risk generated by all the three risk parameters taken together, public sector banks are perceived to be the most secure, followed by private and foreign banks. The findings of this study have various implications for both research and practice. Private and foreign banks in India may adopt appropriate marketing strategies to achieve a favorable perception. Various studies have been conducted earlier on these factors and their interrelationship, but limited research has been carried out to demonstrate the importance of each of these factors in relation to the other as perceived by the user. Moreover, the study quantifies factors in order of their importance.
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28

Suman, Shradha, Sujit Chauhan, Vishal Yadav, and Parthasarathi Sethi. "Analysis of public sector banks and private sector banks in India: A camel approach." Asian Journal of Multidimensional Research (AJMR) 8, no. 6 (2019): 261. http://dx.doi.org/10.5958/2278-4853.2019.00238.6.

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29

Sinha, Ram Pratap. "Asset Quality Based Ranking of Indian Commercial Banks – A Non-Parametric Approach." Asia Pacific Business Review 3, no. 2 (July 2007): 27–37. http://dx.doi.org/10.1177/097324700700300204.

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The present paper tries to make an asset quality based ranking of select (28) Indian commercial banks (20 public sector and eight private sector commercial banks) for the five year period 2000–01 to 2005–06 using Data Envelopment Analysis – a non parametric tool. The paper also compares the observed banks in terms of total factor productivity growth for the aforementioned period. The results obtained from the exercise indicate improvement in mean technical efficiency scores in 2004–05 relative to the previous four years. However, mean technical efficiency showed a declined in the next year. The observed private sector banks exhibited higher mean technical efficiency relative to the observed public sector banks for 2000–01 to 2003–04 (and 2005–06) while the reverse is true for 2004–05. The public sector banks, however, exhibit higher mean scale efficiency relative to the observed private sector banks. In so far as total factor productivity growth is concerned, the observed public sector commercial banks exhibited relatively higher Malmquist TFP growth than the observed private sector banks. However, the commercial banks, across ownership groups, exhibited negative mean total factor productivity growth. The negative growth (in real terms) may be the result of emphasis laid on off balance sheet activities on the part of the commercial banks
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30

Dr.S.Sudalaimuthu and Ms.M.Vimala Rani. "Fundamental Analysis of Selected Shares of Banking Companies Listed in BSE India." Prabhandan - Journal of Business Administration 1, no. 1 (December 31, 2010): 52–78. http://dx.doi.org/10.58716/pjbagitmba.v1i1.6.

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Fundamental analysis is a way of scientific analysis as it tries to estimate the intrinsic worth of the company. Fundamental analysis pays attention to assess the financial performance and strength of a company in terms of Debt-equity ratio, Profit margins, Dividend payout, Earning per share, Sales penetration, Market share, Interest, Asset and Dividend coverage, Product and Market innovation and the Promoters track record. The study is purely based on secondary data. This study covers a period of seven years from 2000-2007. The researcher has selected 7 Public Sector Banks and seven Private Sector Banks using convenient sampling technique.This study reveals that the financial performance of Andhra Bank and State Bank of India is highest and stable among the selected public sector banks during the study period. It indicates the financial strength of these two banks and these banks are fundamentally strong among the selected public sector Bank. On the other hand, among the selected private sector banks Kotak Mahindra Bank, IDBI, HDFC and Federal Banks performs well and these banks are fundamentally strong among the selected Private sector banks during the study period. The comparative fundamental financial analysis shows that, the public sector Banks performance is good and better than the private sector banks.
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31

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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32

Varaprasad Alaparthi, Dr Maruthi, and Dr Varsha Thakre. "ISTECHNO-JOB STRESS DISPARITYAMONG EMPLOYEES REAL OR MYTH? – AN INQUISITIVE STUDY ON SELECTED PUBLIC AND PRIVATE SECTOR BANKS IN INDIA." International Journal of Engineering Applied Sciences and Technology 7, no. 4 (August 1, 2022): 87–90. http://dx.doi.org/10.33564/ijeast.2022.v07i04.011.

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This article aims to shed light on misconceptions regarding disparities in Techno-Job Stress among bank employees across public and private sector besides addressing male and female demarcation aspects. The present study adopted explanatory research design with qualitative research approach. The study focused on primary data sources and gathered through a structured questionnaire with five point scale which was administered among the employees of selected public and private sector banks. The study considered a total of eight banks which includes the top four public sector banks and top four private sector banks. The survey conducted with a sample size consisting of a total of 385 employees including both public and private sector banks. The study employed statistical tools like mean, standard deviation, one-way ANOVA and t-test. The findings of the study revealed that there is no significant variation of techno-Job stress found across public and private sector as well as between male and female employee disparity. The results of the study revealed that there is no significant variation in Techno-Job stress across employees of selected public and private sector banks and even gender disparity aspects.
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33

Glara, K. Thanga, and C. Eugine Franco. "A COMPARATIVE STUDY ON SATISFACTION OF CUSTOMERS OF PUBLIC SECTOR AND PRIVATE SECTOR BANKS TOWARDS E BANKING IN TIRUNELVELI DISTRICT." International Journal of Research -GRANTHAALAYAH 5, no. 5(SE) (May 31, 2017): 53–62. http://dx.doi.org/10.29121/granthaalayah.v5.i5(se).2017.1967.

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The last two decades in the banking industry has seen many developments to face the competition among its competitors. Technology is one field that banking industry focuses on for this competition. Nowadays e-banking is the popular technology used by banks. E-banking is the outcome of technological innovations and competition. The customers’ satisfaction is also very important to face the challenges for the banks to cope up with other banks. Hence this paper focuses on the satisfaction level of customers towards e-banking services provided by Public and Private Sector banks in Tirunelveli District. This study is limited to Tirunelveli area only, Tamil Nadu. The objectives of this study are to find out the factors influencing in the adoption of E-banking provided by public and private sector banks, identify the level of satisfaction of customers of public and private sector banks towards their usage of E-banking. Convenience sampling method have adopted for this study. The primary data were collected from questionnaire method. From the analysis, it is found that with regard to satisfaction in ATM services, the customers of both sectors of banks are equally satisfied. Also the customers are satisfied with the e-banking services provided by private sector banks. It is suggested that ease of use is the major factor to induce the customers to adopt e-banking. Therefore banks should maintain its applications more user friendly and up to date. ATMs receive the higher attraction among the e-banking channels. Banks must pay attention and plan to make the ATMs as the key distribution channel for all kinds of banking transactions.
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34

Malaiselvam, N., and M. Balasubramaniam. "A Study on Financial Performance of Selected Private Sector Banks in India- A Camel Approach." ComFin Research 11, no. 1 (January 1, 2023): 16–25. http://dx.doi.org/10.34293/commerce.v11i1.5700.

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Indian banking sector is invariably presumed to be one of the most important systems in the economy. Banking sectors are considered as the life blood of the Indian economy as they play an important and vital role in the economic activities. This study examines the overall performance of selected private sector banks using capital adequacy, asset quality, management effectiveness, earnings quality and liquidity level (CAMEL approach) over the period 2013-2022. Although profitability indicators (such as return on assets, return on equity and net profit margin) present the performance of selected private sector banks, it would be more appropriate to use the CAMEL Approach as a tool to assess overall performance. Because the performance of banks does not only depend on the level of NPAs or profitability, it is primarily based on various dimensions. To consider this point of view, the researchers adopted the CAMEL approach for this study to evaluate the overall financial performance of selected private sector banks.
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35

Rao, Mayur, and Ankita Patel. "A study on non performing assets management with reference to public sector banks, private sector banks and foreign banks in india." Journal of Management and Science 1, no. 1 (June 30, 2015): 30–43. http://dx.doi.org/10.26524/jms.2015.4.

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Non Performing Assets (NPA‟s) are one of the major areas of concern for the Indian banking industry. Non-Performing Assets are like a double edged sword. They do not generate any income, whereas, the bank is required to make provisions such as assets. (Olekar and Talawar, 2012).NPAs do not just reflect badly in a bank‟s account books, they adversely impact the national economy. There are many research conducted on the topic of Non- Performing Assets (NPA)Management, concerning particular bank, comparative study of public and private banks etc. This paper considers the aggregate data of public sector, private sector and foreign banks and attempts to compare analyze and interpret the NPA management from the year 2009 -2013. On the conceptual side, it gives an overview of NPA, Types of NPA, causes and on the calculation side, it covers various NPA related ratios, use of Least square method for estimating Gross NPAs in the year 2014, and also application of ANOVA test to judge the presence of any significant difference between ratio of Gross NPA to Gross Advances. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, ratio of Loss Advances to Gross Advances are higher in foreign banks, the Estimated Gross NPA for 2014 is also more in public banks as compared to private and foreign banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector, private Sector and foreign Banks does not have significant difference between 2009 to 2013.
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36

Riya Sharma. "A Study on Innovation in Banking and its Impact on Customer Satisfaction." Integrated Journal for Research in Arts and Humanities 2, no. 3 (May 31, 2022): 67–72. http://dx.doi.org/10.55544/ijrah.2.3.38.

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Innovation through information technology (IT) has made inroads everywhere and banking is no exception to it. Whether it is private or public sector bank, everywhere innovation is the buzzword and technological breakthrough is witnessing new avenues of success. Competition is compelling everyone to move ahead and faster. Now, the working in public sector banks has been changing and customers are sensing the wave of innovation. These banks, which were working traditionally are now coming out and reaching to audience through billboards; FM radio and all possible media. Celebrity endorsements are now common in public sector banks as well. Core banking has added fuel to the fire of innovation. The ultimate results can be seen in terms of enhanced customer satisfaction in public sector as well as private sector banks. The research is an attempt to study the impact of innovative technology on customer satisfaction vis-à-vis public sector and private sector banks in Bhopal city. Primary data was collected from customers of these banks and analyzed, which has given significant results on the subject. It was found that private sector banks were having an edge in terms of success in innovation.
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Chatterjee, Chanchal, and Paromita Dutta. "Exploring the Linkage between Profits and Asset–Liability Management." Paradigm 20, no. 2 (December 2016): 131–42. http://dx.doi.org/10.1177/0971890716670707.

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The article uses panel data regression on a sample of 26 public sector and 20 private sector banks operating in India over the period 2004–2005 to 2012–2013 in order to empirically examine the relationship between profits and asset–liability (A–L) composition of Indian banks. The sample was initially split into public sector and private sector banks. Earning before tax (EBT) of public sector banks appear to be generated by all the assets under the asset portfolio while, in private sector banks, the EBT seems to be produced by loans and advances and deposits and placings to banks. From liabilities’ perspective, the ‘short-term funding’ appears to be the cheapest for both the bank groups. The sample was then split into high-profit and low-profit banks. The results show that, compared to the high-profit banks, low-profit banks experience higher rate of return on loans and advances, investments and fixed assets. The study does not find that high-profit banks always enjoy relatively cheaper cost of funding than low-profit banks.
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38

Uddin, Mohammad Main, and Abdul Kaium Masud. "Financial Health Soundness Measurement of Private Commercial Banks in Bangladesh: An Observation of Selected Banks." Journal of Nepalese Business Studies 9, no. 1 (March 1, 2016): 20–36. http://dx.doi.org/10.3126/jnbs.v9i1.14591.

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The financial sector is one of the most significant sectors for any country, especially if a country is a developing in nature. In such an environment, banking sector plays the vital role to strengthen the economic conditions. Economic growth and international business is increasing in Bangladesh and private commercial banks especially private sectors play the major roles. Thus it becomes important to measure the financial soundness of the private banks in order to judge their respective position. The study was conducted to measure the financial soundness of selected private commercial banks of Bangladesh for the period 2006-2010. In this paper, an attempt was made to analyze the financial soundness of selected banks using different statistical tools and financial indicators. The study reveals that different financial indicators showed upward trends during the period 2006 to 2010. The study also made a rank of the selected commercial banks based on financial indicators. It was found that a bank with higher deposits, loans & advances, investments, branches, employees does not always mean that has better profitability performance. The study also recommends measures that could be adopted by banks to ensure soundness in their operation.Journal of Nepalese Business Studies Vol. 9, No. 1, 2015 pp. 20-36
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39

Singh, Sukhdev, Jasvinder Sidhu, Mahesh Joshi, and Monika Kansal. "Measuring intellectual capital performance of Indian banks." Managerial Finance 42, no. 7 (July 11, 2016): 635–55. http://dx.doi.org/10.1108/mf-08-2014-0211.

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Purpose – The purpose of this paper is to measure the intellectual capital performance of Indian banks and established a relationship between intellectual capital and return on assets (ROA). The paper also compared the intellectual capital performance of public sector and private sector banks. Design/methodology/approach – This study is based on secondary data from the top 20 Indian banks. Ten banks were selected from each of the public and private sectors on the basis of paid-up equity capital. The analysis was made using the value added intellectual coefficient, the coefficient of variation, exponential growth rates, trend analysis, Yule’s coefficient, the coefficient of correlation, the F-test and the t-test. Findings – The study revealed that private sectors have performed relatively better regarding the creation of total information coefficient (IC). However, the ROA was still below the international benchmark of > 1 percent. The major cause of the lower IC and the reduced ROA is disproportionate to the increase in capital employed and escalating non-performing assets in the Indian banking sector. Practical implications – The study focussed on managers and identified the causes of lower performance. It proposed numerous strategies to improve the aggregate score of IC, which is closely related to bank profitability. Originality/value – This is the first study to make a comparative analysis of intellectual capital performance in public and private sector banks in India and in addition to the traditional style of measuring sectoral performance. Further, the study employed new statistical tools, such as Yule’s coefficient of association, to establish the association between performance variables.
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40

Arumugarajan, R. "A COMPARATIVE STUDY ON THE CUSTOMERS’ SATISFACTION IN SELECT PRIVATE SECTOR AND PUBLIC SECTOR BANKS IN TIRUNELVELI DISTRICT." International Journal of Research -GRANTHAALAYAH 4, no. 12SE (December 31, 2016): 47–54. http://dx.doi.org/10.29121/granthaalayah.v4.i12se.2016.2478.

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Banks are considered as vehicle of finance in a nation. The finance should be given all the parts of country in the perfect manner. Thus, lots of banks are allowed to run their business. Due to privatisation, many of the private party also enter in to banking sector. Thus, the customers have different kinds of banks. So the satisfaction of customers has very vital role among the bankers. Here the factors influencing on satisfaction of customers is analysed and private banking sector gives high satisfaction than public sector banks.
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41

Yadav, Manish Kumar, and Dr Alok Kumar Rai. "Exploring the Relational Impact of Service Quality on Customer Satisfication." Ushus - Journal of Business Management 14, no. 4 (December 15, 2015): 17–31. http://dx.doi.org/10.12725/ujbm.33.2.

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Customer Satisfaction has been a psychological attribute inviting attention of the customers and requiring decipher their contribution in overall business performance.Banking has been no exception to this phenomenon.Many Literatures have found a strong relationship between service quality and customer satisfaction In service sector in general and banking industry in particular. The aim of the study is to investigate the relationship between service quality and customer satisfaction. The study assesses the level of customers’ satisfaction and service quality performance of the select banks. Further the study compares the satisfaction and service quality in select public and private sector banks.The study also identifies the area where the banks need to focus. The research design is descriptive as the research is intended to conclude and suggest measures to zero down on the service quality gaps in select public and private sector banks. The result shows a positive relationship between service quality and customer satisfaction. Service quality dimensions (tangibility, reliability, responsiveness, assurance and empathy) show wide service quality gaps. The comparative study of public sector banks and private sector banks show superiority of private sector banks over public sector banks in customer satisfaction and performance of service delivery.
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42

Naqvi, Mahmooda, Maryum Zehra, and Ghazala Noor Nizami. "ASSOCIATION OF PROLONG SITTING WITH COMMON MUSCULOSKELETAL DISORDERS AMONG PRIVATE AND PUBLIC SECTOR BANKERS." Pakistan Journal of Rehabilitation 2, no. 2 (July 5, 2013): 32–37. http://dx.doi.org/10.36283/pjr.zu.2.2/006.

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To compare the frequency of common musculoskeletal disorders due to prolong sitting among private and public sector bankers. This study was a cross-sectional study. Participants between 25-50 years of age, working in banks for more than one year were inducted in the study. All bankers were divided into private and public sector groups. Employees were selected from private sector and public sector banks of Karachi. Self-administered questionnaire was used to collect data from bankers of both sectors. The study shows that 44.6% government employees were suffering from shoulder pain, while 36.9% private sector bankers having this problem. Among them 18.2% of public sector bankers suffered from neck pain. However, only 9% of public sector bankers perform gym activity regularly. The result of the study shows that, participants who work for prolong period of time adapted poor posture while sitting have high frequency of musculoskeletal disorders. The study also shows that private sector bankers are more vigilant about their health and posture as compared to the public sector bankers.
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43

Ali, Anis. "Sustainability of Financial Soundness of Banks: An Evidence Form Public and Private Sector Banks." International Journal of Sustainable Development and Planning 17, no. 8 (December 30, 2022): 2463–73. http://dx.doi.org/10.18280/ijsdp.170814.

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The banking sector plays a vital role in the growth and development of the economy of any nation. Nowadays, NPAs are great challenges for banks and harm profitability, and financial soundness, and hinder the operational activities of the banks. The Non-Performing Assets (NPAs) refer to the loans and advances of which payment of interest or principal amount is delayed, or missed as per the bank’s schedule. The purpose of the study is to find out the comparative financial soundness of the leading Indian public and private banks to get the hedging factors against the NPAs. Possibly, the hedging factors against the NPAs will be helpful to control and reduce the level of NPAs in Indian banks. Financial ratios are the base to measure financial soundness. The graphical presentation and ANOVA (Analysis of Variance) were applied to get the comparative growth trend and disparity among the financial soundness measures of the leading Indian private and public sector banks. The analysis reveals that there is a significant difference in the financial soundness of leading Indian private and public sector banks. The NIM (net interest margin) of leading Indian public sectors is significantly different and the public banks with higher NIM utilize their profitability to write off their NPAs. Based on the study is advised to enhance the CASA (current account and saving account to total deposits) for hedging against NPAs and the profitability in public sector banks.
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44

Suneja, Ajay, and Swati . "Quality of Work Life: A Comparative Study of Public Sector Banks and Private Sector Banks." Effulgence-A Management Journal 13, no. 2 (January 7, 2015): 1. http://dx.doi.org/10.33601/effulgence.rdias/v13/i2/2015/01-06.

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45

Saha, Sajun, Hillol Fouzder, and Razuan Ahmed Shuvro. "Customer satisfaction in public sector banks and private sector banks in Bangladesh: A comparative study." International Journal of Research in Human Resource Management 2, no. 1 (January 1, 2020): 45–49. http://dx.doi.org/10.33545/26633213.2020.v2.i1a.48.

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46

Dudhe, C. "A Selective Study: Camels Analysis of Indian Private Sector Banks." International Journal of Engineering and Management Sciences 3, no. 5 (December 10, 2018): 277–83. http://dx.doi.org/10.21791/ijems.2018.5.28.

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Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. Evaluating Indian banking sector is not an easy task. There are so many factors, which need to be taken care while differentiating good banks from bad ones. Performance evaluation of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. The contribution of RBI and other policy maker, the banking industry has witnessed regulatory requirements like BASEL III norms. These regulatory changes have influenced prominent improvement in efficiency and performance of the Indian Scheduled Commercial Banks in the past few years. In the present study an attempt was made to evaluate the performance & financial soundness of select Private Sector Banks like ICICI,HDFC AND YES bank using CAMEL approach from 2013 to 2017 as well one way anova method. It is observed that on an average ICICI was at the top most position. It is also observed that yes Bank was at the bottom most position in selected CAMEL ratios.
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47

Ayyappan, S., and M. SakthiVadivel. "Financial Efficacy of Selected Public and Private Sector Banks in India." International Journal of Finance & Banking Studies (2147-4486) 2, no. 2 (April 21, 2013): 26–31. http://dx.doi.org/10.20525/ijfbs.v2i2.143.

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The banks in India have over 67,000 branches located across the country. All these are classified into two major categories, nonscheduled banks and scheduled banks. Scheduled banks includes commercial banks and the co-operative banks. The public sector banks are accountable for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally with already existing public sector banks. so it is very essential to analyze how their financial performance is influenced by number of factors which willfurther suggest them where they need to concentrate more. in this article we have analyzed the correlation between return on total assets and other financial variables of selected private and public banks in India.
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48

Franco, C. Eugine, and G. Bright Jowerts. "SERVICE QUALITY OF PUBLIC AND PRIVATE SECTOR BANKS IN TIRUNELVELI DISTRICT." International Journal of Research -GRANTHAALAYAH 5, no. 5(SE) (May 31, 2017): 42–52. http://dx.doi.org/10.29121/granthaalayah.v5.i5(se).2017.1966.

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Service Quality of the banks referred as an obligation of all banks to fulfill the objectives and needs of the customers. Service quality in private sector banks is good compare to public sector banks. The various issues the banks are not able to provide immediate response to customers, service time duration is more, long queue deposit the money, waiting for long time, staff behavior is not good, especially public sector banks are not providing multitude services like payment of bills, payment of tax, Banc assurance etc. and problem relating to banking service such as bank statements, error in the statements are not provided immediate response to customers. The scope of this research is to identify the service quality of public and private sector banks in Tirunelveli district. This study only focuses on the dimensions of service quality i.e. reliability, assurance, tangibility, empathy and responsiveness. The study was done taking two types of banks such as public and private sector banks in Tirunelveli district into consideration. The survey was restricted to the bank customers in Tirunelveli district only. As the population size is infinite, 672 respondents are selected as sample among the population using stratified random sampling. The sample has been stratified as 528 from public sector bank customers and 144 from private sector bank customers in Tirunelveli district.
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Mujeebudheen C K, Mujeebudheen C. K., and Dr Manoj P. K. Dr. Manoj P K. "Financial Stability of Old Private Sector Banks in India: An Analysis." International Journal of Scientific Research 2, no. 4 (June 1, 2012): 47–49. http://dx.doi.org/10.15373/22778179/apr2013/18.

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50

Sharma, Sunil, Ajay Khurana, and Pawan Kumar. "Performance evaluation of public and private sector banks." World Review of Entrepreneurship, Management and Sustainable Development 17, no. 2/3 (2021): 306. http://dx.doi.org/10.1504/wremsd.2021.10037120.

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