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Journal articles on the topic 'Public Sector Bank'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Dr., Vinita Parashar, and Bhadole Sanjay. "A Comparative Study On The Financial Performance of Public Sector Bank & Private Sector Bank in India." 'Journal of Research & Development' 15, no. 1 (2023): 75–79. https://doi.org/10.5281/zenodo.7593889.

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Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Public Sector Bank (State bank of India, Bank of India, and Punjab National Bank) and Private Sector Bank (AXIS, ICICI, HDFC) in India. In this research, we will study we study three public sector banks and three private sector banks. The expected result from the study there is that the financial performance or financial position of one in three banks affects the public sector and the private s

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Pande, Jeewan Chandra, and Dr Sudhinder Singh Chowhan. "Financial Services’ Analysis of Public Sector Banks: Value Addition to Allahabad Bank." Paripex - Indian Journal Of Research 3, no. 3 (2012): 12–15. http://dx.doi.org/10.15373/22501991/mar2014/66.

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Sugariv Wakchaure, Sushilkumar, and Sharadchandra Vinayak Dighe. "A Comparative Study to Assess the Occupational Stress and Burnout among Public and Private Sector Bank Employees Working at Selected Banks of Rahata Taluka, Ahmednagar District." International Journal of Science and Healthcare Research 8, no. 2 (2023): 552–61. http://dx.doi.org/10.52403/ijshr.20230275.

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Job stress is a common work place problem experienced by all professionals, and banking is not an exception to it. Previous reports suggest presence of stress among banking professionals. Objectives: The primary objective of this study was to compare the occupational stress and burnout among public and private sector bank employees. Methods: A comparative study was conducted on 200 bank employees, each100 employees from public and private sector banks. Participants were selected by using purposive sampling method, who fulfilled eligibility criteria. The data collection tool included socio-demo

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Gupta, Kriti, and Anshuman Sharma. "An analysis the financial performance in terms of Liquidity of Public Sector Bank Private Sector Bank to the credit and Deposit Ratio." Journal of Advances and Scholarly Researches in Allied Education 21, no. 5 (2024): 438–43. https://doi.org/10.29070/dg5tns63.

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The investigation is crucial for the Indian economy. Due to the ever-changing nature of the Indian banking sector, it is first necessary to assess and compare the financial metrics of the nation's public and private banks. The proposed research makes several important advances to the study of banking and finance by comparing the performance measures of private and public banks in India. The study uses a sample size of two, with one bank representing the public sector (Indian Bank) and one representing the private sector (HDFC Bank). Two banks, one each from the public and private sectors, were

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Dr., Anand Kumar Shrivastava. "The Effect of Demonetization on Banking Sector: A comparative study of Public and Private Sector Bank." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 05 (2018): 246–53. https://doi.org/10.5281/zenodo.1253492.

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This study about the effect of demonetization on banking sector. Paper tried to explore the positive and negative effect of demonetization. Study is based on the data available for two banks; one is Axis Bank, which is private and other is State Bank of India which is public bank. Analysis is done on the basics of percentage in the various parameters by taking March as a base month. It is observed that the analytical ratios where SBI shows decreasing result as we compared to Axis bank. After demonetization its ratio margin is declining. Whereas in axis bank shows much affect it shown increased

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Chowdhury, Arnav. "Factors Affecting Customer Satisfaction in Public Sector Banks (With Special Reference to State Bank of India)." International Journal for Research in Applied Science and Engineering Technology 9, no. 10 (2021): 398–402. http://dx.doi.org/10.22214/ijraset.2021.38422.

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Abstract: Public sector banks in India play a vital role in the Indian economy, especially State Bank of India, as it is the largest public sector Bank in the country. However, gone are days when SBI was the only option for most of the people in India. With emergence of Private Sector Banks and other Public sector Banks, customer satisfaction plays an important role now a days. This research is all about finding the Factors affecting customer satisfaction in public sector banks with special reference to State Bank of India. Keywords: customer satisfaction in banks. State Bank of India, Banks i

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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) (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

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Dr., C. Eugine Franco, and Bright Jowerts G. "SERVICE QUALITY OF PUBLIC AND PRIVATE SECTOR BANKS IN TIRUNELVELI DISTRICT." International Journal of Research - Granthaalayah 5, no. 5 (2017): 42–52. https://doi.org/10.5281/zenodo.574862.

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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

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9

Raghawendra Kumar, Asim Ray. "Npa Affecting The Performance Of Public Sector Banks In India: An Empirical Analysis." European Economic Letters (EEL) 15, no. 2 (2025): 5266–78. https://doi.org/10.52783/eel.v15i2.3376.

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Banks worldwide are facing the problem of rampaging non-performing assets and they are finding difficulty in dealing with it. Popular measures taken by various government in states and at centre compelling the public sectors banks to compromise with standard norms more often, further complicating the woes of these banks who are already facing competition from private sector banks in India. On the other hand, although this problem is of less intensity in private sector banks, private sectors bank in order to inroads into the exclusive customer base, often compromise with the same standard norms

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Jasleen Kaur and Sultan Singh. "Assessing the Impact of Stress on the Health and Job Performance of Employees in Indian Banks." Scientific Temper 14, no. 04 (2023): 1519–25. http://dx.doi.org/10.58414/scientifictemper.2023.14.4.66.

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Purpose: This study examined the impact of stress on the well-being and performance at work of the individuals employed at Indian public and private sector banks in the selected districts of Haryana and explored whether the effects of stress between these two sectors are significant.Design/methodology/approach: Data were gathered from 300 bank employees, with 150 each from selected public and private sector banks. A pre-validated structured questionnaire using a Likert scale was employed to measure stress-related health issues and job performance. Statistical analysis of data was done using de

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G., Kantharaju, and Shubha A. "FINANCIAL PERFORMANCE ANALYSIS OF PRE- AND POST-MERGER OF KOTAK MAHINDRA BANK AND STATE BANK OF INDIA." International Journal of Advanced Research 12, no. 01 (2024): 1024–33. http://dx.doi.org/10.21474/ijar01/18219.

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The banking sector is one of the most important and fastest growing sectors in India. It occupies a unique place in the growth of the economy. The economic development of a country is evident from the reliability of the banking system. Mergers in the banking sector lead to significant growth in business, help in reducing costs and reduce competition as mergers lead to elimination of competitors in the banking sector. Today, every bank strives to be financially strong and more effective and efficient in its operations. Public sector banks face strong challenges from private sector banks and are

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Dr, Sheeja.R, Nayana C. V. Ms.Indhu, and S. Franklin John Dr. "A COMPARATIVE EVALUATION OF NON – PERFORMING ASSETS IN PUBLIC, PRIVATE AND FOREIGN SECTOR BANKS IN INDIA." Manager - The British Journal of Administrative Management 57, no. 145 (2021): 5–13. https://doi.org/10.5281/zenodo.5957736.

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<strong>ABSTRACT</strong> The main aim behind making this study is to know how public, private and foreign banks are operating their business and how NPAs play role to the operations of these banks. The is also focusing upon existing system in India to solve the problem of NPAs and comparative analysis to understand which bank is playing what role with concerned to NPAs. The purpose of this study was to compare the performance of public, private, and foreign commercial banks in terms of their NPA status and management in terms of operational performance of fifteen banks, five each from the pub

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Raj, Dr Maria Antony. "IMPACT OF RISK MANAGEMENT IN PUBLIC AND PRIVATE SECTOR BANKS." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35554.

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The research paper aims to examine the impact of risk management on the performance of private and public sector banks in India. Effective risk management is crucial for mitigating risks and improving bank performance. The study utilizes the CAMELS approach, a rating system that analyses various ratios to evaluate bank performance. The ratios considered include capital adequacy ratios, asset quality ratios, management capability ratios, earnings quality ratios, liquidity ratios, and sensitivity to market risk. The analysis covers the period from 2018 to 2022, and descriptive statistics are emp

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R, Sangeetha. "How efficient are public sector banks in India? A non-parametric approach." Banks and Bank Systems 15, no. 4 (2020): 108–20. http://dx.doi.org/10.21511/bbs.15(4).2020.10.

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This study examines the efficiency of Public Sector Banks (PSBs) in India using Data Envelopment Analysis (DEA). Analysis is carried out on a sample of 19 PSBs that are existed during the study period from 2005 to 2018. There are two different aspects deliberated, namely technical efficiency of PSBs and the growth in their productivity. Input variables envisaged for the study are deposits, borrowings, fixed assets, and the number of employees. Loans and advances along with investments act as output variables to measure technical efficiency and productivity. The results indicate that the techni

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Sharma, Anita. "Job Involvement and Job Satisfaction of Bank Officers: Role of Type of Organization and Gender." Journal of Business Management and Information Systems 1, no. 1 (2014): 1–17. http://dx.doi.org/10.48001/jbmis.2014.0101001.

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The main objective of the present study was to examine and compare the level of job involvement and job satisfaction of public and private bank officers. A 2X2 Factorial design was used to study the role of organization and gender on job involvement and job satisfaction The sample of the study comprised of forty bank officers who were divided into two groups of organization i.e. private banks (n=20) and government banks (n=20), these subjects were further divided into two sub-groups based on genders, males (n-10) and females (n=10) included in equal number. Results revealed significant differe

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Ghosh, Uma, Chandan Singh Adhikari, and Archisman Neogi. "A Comparative Study of Performance of HDFC with select Private and Public Sector banks." Journal of Global Economy 13, no. 2 (2017): 147–60. http://dx.doi.org/10.1956/jge.v13i2.457.

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AbstractBanking industry has undergone metamorphosis due to increase in competition from private sector banks, foreign banks as well as payment banks. This increasing competition has kept the banks on tenterhook. While public sector banks due to their own compulsions have amassed huge NPAs, other banks also could not isolate them from this NPAs problem. Last three years, in particular have been bad years for banking industry as a whole. However, HDFC bank has stood out as different player in the banking industry in terms of its stellar performance as measured by various performance indicators.

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Dr. Pallaw Kumar. "Impact of Core Banking Solutions in Public Sector Bank comparison with HDFC Bank." Journal of Advances and Scholarly Researches in Allied Education 21, no. 1 (2024): 171–74. http://dx.doi.org/10.29070/8ws6ct51.

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A study has been analysed the “Impact of core banking solutions in public sector bank comparison with HDFC bank.” There is no significant relationship between customers perception towards dimensions of service quality of core banking solutions offered by public sector and private banks. A method was used to random sample was conducted on 2 respondents selected from Bhagalpur district and the primary data was collected from 60 respondents (customers) of core banking solutions, public sector and HDFC banks selected from Bhagalpur district. In order to draw the conclusion, the primary data collec

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M., Subbiramani, Ranjith G., and A. Balagurusamy Dr. "A CAMEL ANALYSIS ON PERFORMANCE OF PUBLIC AND PRIVATE SECTOR BANKS (WITH SPECIAL REFERENCE TO CANARA BANK AND HDFC BANK)." International Journal of Computational Research and Development 3, no. 1 (2018): 44–49. https://doi.org/10.5281/zenodo.1168511.

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Indian banking system has transformed in recent years due to globalization in the world market, which has resulted in fierce competition. In this article, an attempt has been made to rank the various commercial banks operating in India. The banks in India have been categorized into Public sector, Private sector and foreign banks. 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 on

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Kaur, Jagmeet. "A Study on Corporate Social Responsibility of Selected Public and Private Sector Banks in India." Edumania-An International Multidisciplinary Journal 02, no. 03 (2024): 55–62. http://dx.doi.org/10.59231/edumania/9055.

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In the present times Corporate Social Responsibility (CSR) plays a major role in banking and other sectors in achieving their objectives. In India the companies are adopting Corporate Social Responsibility (CSR) practices at a very fast rate due to their ethical standards as well as due to the requirements of the law. The companies are aware about their critical role in the society. The banking sector is no exception in this context. They are also adopting Corporate Social Responsibility practices. The public as well as private sector banks have already initiated many social and economic welfa

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Ravikmar, undi, and Basavaraj C. S. Dr. "BANKERS' PERCEPTION TOWARDS E-BANKING SERVICES IN KALABURAGI CITY." Review Of ReseaRch 8, no. 7 (2019): 93–104. https://doi.org/10.5281/zenodo.3384414.

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ABSTRACT: Advancements in technology are dramatically changing all the sectors of the economy. Banking is not an exception to it. In fact, the E-banking system has become the heart and soul of banking activities and operations. E-banking is providing a smooth and quick platform for funds transfer. The present study is an attempt to know the bank employees’ perception towards E-banking vis-à-vis Operational issues, Customer related issues, and Technological issues. The researchers have taken six banks consistingof three Public sector banks and three Private sector banks for their s

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Parab, Sanjeeta, Shripad Marathe, Lynessa Lynette Linson, Sankeeta Korgaonkar, and Prameeta Narvekar. "Evaluating key financials of public versus private sector banks in India: An investment perspective." Banks and Bank Systems 19, no. 4 (2024): 274–87. https://doi.org/10.21511/bbs.19(4).2024.21.

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India’s banking sector, with its mix of public and private banks, presents diverse opportunities from an investment perspective. The relative performance of public and private sector banks is a crucial consideration when optimizing investment allocation strategies. Much academic debate has centered around the comparative performance of the public versus private sector, with conflicting findings. This study aims to analyze the financial performance of public versus private banks in India from a comparative investment perspective. To analyze the financial performance of public and private banks

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S., M. Riha Parvin, Nirmala Catherine, and Niyaz. "Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model." International Journal of Management, Technology, and Social Sciences (IJMTS) 6, no. 2 (2021): 244–55. https://doi.org/10.5281/zenodo.5775465.

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<strong>Purpose:</strong><em> The main motive of this research was to assess the overall functioning of public sector banks before merger and after the merger. At the same time effective comparison is been undertaken between public and private sector banks. One of the most crucial practices of evaluating the performance of bank involves critical examination of account statements concerning annual report. Major parameters for evaluating the Banks’s performance include assessment of adequate capital, quality of assets, ability of management to control the risk, earning capacity and liquid

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Sivani, Subhash, D. Divya Prabha Dr., V. B. Mathipurani Dr., and Selva Krishna S. "ANTECEDENTS OF CUSTOMER LOYALITY TOWARDS PUBLIC SECTOR BANKS." International Journal of Interdisciplinary Research in Arts and Humanities 4, no. 1 (2019): 41–46. https://doi.org/10.5281/zenodo.2619292.

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Abstract Free trade is a big challenge for a bank to enhance its organization performance. Banking industry also faces challenges because of the free trade, since there have been many companies going bankrupt that it is feared that it will reduce customers’ savings or deposits in bank. Competitors need to be aware because only banks with advantages that are able to create product with high quality services that can satisfy customers. Challenges become harder particularly when customers are sensitive to the interest rate, thus loyalty is at stake. This circumstance is very important becau

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Mohapatra, Amiya Kumar, and Srirang Jha. "Bank Recapitalization in India: A Critique of Public Policy Concerns." FIIB Business Review 7, no. 1 (2018): 10–15. http://dx.doi.org/10.1177/2319714518766113.

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Public sector banks in India have always been viewed as vehicles of economic and social development. These institutions reach out to people of all sections across the country and offer banking services even if they have to compromise on profitability. Most of the social schemes for poverty alleviations, livelihood, skill development, financial inclusion, etc., are channelized through public sector banks. However, their capability is severely limited due to burgeoning non-performing assets. Considering the importance of public sector banks for the economy of the country, the government often re

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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 (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

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Bhanwar, Singh, and Pawan. "AN ANALYSIS OF INDIAN PRIVATE SECTOR BANKS USING CAMEL APPROACH." International Journal of Marketing & Financial Management 4, no. 7 (2016): 36–52. https://doi.org/10.5281/zenodo.10815919.

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<strong>ABSTRACT </strong> <strong> </strong> <em>Financial institutions are paramount tools in economy to boost the economic growth, especially banks are one of them. After the economic reforms 1991, Liberalization, privatization, globalization (LPG) growth of private sector banks increase tremendously. Private Banks contributes significantly in growth of economy. Initially banks are only limited to deposits and credits but today banks are perform various functions. Before to privatization of banks all financial needs of corporate and individual are meet by public sector banks but after

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DR, BHADRAPPA HARALAYYA, and S. AITHAL P. "TECHNICAL EFFICIENCY AFFECTING FACTORS IN INDIAN BANKING SECTOR AN EMPIRICAL ANALYSIS." Turkish Online Journal of Qualitative Inquiry (TOJQI) 12, no. 3 (2021): 603–20. https://doi.org/10.5281/zenodo.5081670.

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This study examinesthe technical efficiency of banking sector and its affecting factors in India using a panel data during 2005–2020. It used log-linear regression model under a stochastic frontier production function approach.It considers47 scheduled banks (18-public sector, 13-private sector and 16-foreign sector). The technical efficiency is estimated as assuming that return-on-investment and return-on-advances of banks are the important outputs. Fixed assets, total assets, total employees, total deposits, return on equity and capital adequacy rate are vital inputsto increase the perf

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Kumar Panda, Santosh, Ganesh Prasad Panda, and Anil Kumar Swain. "DETERMINANTS OF PRIORITY SECTOR LENDING OF INDIAN PUBLIC SECTOR BANKS: AN ECONOMETRIC ANALYSIS." International Journal of Research -GRANTHAALAYAH 5, no. 7 (2017): 461–73. http://dx.doi.org/10.29121/granthaalayah.v5.i7.2017.2154.

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Compulsory sanctioning credit or priority sector lending (PSL) is part of the regulatory framework for commercial banks/ financial institutions in many countries, both developing and developed. However, compliance and lending effectiveness of such programs may be determined by a number of factors. This may be particularly so in developing countries, where availability of finance for the vulnerable sectors likes agriculture, small businesses, weaker sections, are scarce. The present paper aims at examining the patterns of priority sector lending by banks, with a view to identifying the factors

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Santosh, Kumar Panda, Prasad Panda Ganesh, and Anil Kumar Swain Dr. "DETERMINANTS OF PRIORITY SECTOR LENDING OF INDIAN PUBLIC SECTOR BANKS: AN ECONOMETRIC ANALYSIS." International Journal of Research - Granthaalayah 5, no. 7 (2017): 461–73. https://doi.org/10.5281/zenodo.838920.

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Compulsory sanctioning credit or priority sector lending (PSL) is part of the regulatory framework for commercial banks/ financial institutions in many countries, both developing and developed. However, compliance and lending effectiveness of such programs may be determined by a number of factors. This may be particularly so in developing countries, where availability of finance for the vulnerable sectors likes agriculture, small businesses, weaker sections, are scarce. The present paper aims at examining the patterns of priority sector lending by banks, with a view to identifying the factors

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Onyenwife, Kingsley C., Clement I. Ezeanyeji, and Chukwunonso Ekesiobi. "Public Debt and Economic Growth in Nigeria: A Consideration of New Evidence." Timisoara Journal of Economics and Business 16, no. 1 (2023): 1–24. http://dx.doi.org/10.2478/tjeb-2023-0001.

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Abstract The discussion surrounding the connection between public borrowing and economic expansion has persistently endured without abating. While debt desirability proponents argue that public debt is growth-enhancing, others argue that public debt does more harm than good to the economy. In recent times, the increase in public debt in Nigeria continues to raise concerns regarding its desirability. Although several studies have been carried out in this regard, there is hardly any study that examines the public debt-growth nexus in the context of the tradable and non-tradable sectors. Second,

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Bindhu, V., and V. Chitra. "Customers perception towards service quality in public sector bank in Kanyakumari district." B-Research 25, no. 1 (2025): 1. https://doi.org/10.26634/bresearch.25.1.22166.

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A public sector bank is a financial institution that is owned and operated by the government. These banks play a crucial role in the economy by providing financial services to individuals, businesses, and government entities. Service quality is a key factor in measuring the success of the banking sector. Banks understand how important it is to keep customers happy and to build and maintain strong, ongoing relationships with them, as this helps improve their overall performance. There is a noticeable difference in service quality between public sector banks and the different types of customers

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Pasunuri, Amaraveni, and Susruth Mulukalapally. "Performance of Public Sector Banks in India - A Principal Component Analysis." RESEARCH REVIEW International Journal of Multidisciplinary 4, no. 2 (2019): 383–86. https://doi.org/10.5281/zenodo.2576212.

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The cynosure of this study is performance of 26 public sector banks functioning in India. The study applied principal component analysis to measure the performance of public banks during the period 2013-2017. The study used Principal Component Analysis to develop a composite index score method for each individual bank by using seven variables representing soundness, productivity and profitability and then ranked the banks based upon index score obtained in relation to other banks. The study found that syndicate bank (2013 & 2014), SBH (2015), State bank of Bikaner& Jaipur (2016) and Vi

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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 (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 S

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B.K., Dhanya, and Dr Velmurugan V.P. "Satisfaction Level of Customers in Demographic Variables in Public Sector Banks." Webology 19, no. 1 (2022): 1017–27. http://dx.doi.org/10.14704/web/v19i1/web19070.

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The aim of our study is to look at the impact of various demographic parameters on Internet banking service excellence, client value, fulfillment, and trust. Increased competition and the emergence of financial liberalization-driven technology are pushing significant changes in the way Indian banks operate and provide services to their consumers. Banks are rapidly going into a new era of fantastic technological banking in order to ensure functional excellence and improved consumer loyalty. Because using technology to provide banking services costs money and time, it's vital to assess whether t

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Gupta, O. P., and Neetu Dongre. "IMPACT OF NPA (NON-PERFORMING ASSETS) ON THE PROFITABILITY PERFORMANCE OF THE SELECTED PUBLIC AND PRIVATE SECTOR BANK." International Journal of Advanced Research 12, no. 04 (2024): 340–46. http://dx.doi.org/10.21474/ijar01/18557.

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The banking sectors performance is crucial for any economy as it reflects the countrys financial health. Banks play a crucial role in mobilising funds from various sectors of the economy, including both priority and non-priority sectors, to finance diverse economic activities.For many years, the banking industry has faced significant challenges due to unrecovered loans.The presence of Non-Performing Assets (NPAs) has significantly hindered the development and growth of the economy.This study delves into the impact of NPAs on the profitability performance of selected public and private sector b

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Ghosh, Krishnendu, and Amitava Mondal. "Impact of Macro-Economic and Bank-Specific Variables on Banks Performance: A Comparison between Private and Public Sector Commercial Banks." Journal of Commerce and Accounting Research 13, no. 3 (2024): 80–92. http://dx.doi.org/10.21863/jcar/2024.13.3.009.

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Present study is conducted to know the influence of bank-specific and macro-economic variables on bank performance in Indian context. A comparison has been made between public and private sector banks. For the purpose of the study, we have selected 32 commercial banks. Secondary data has been collected from the annual reports of the respective banks for the period 2010–11 to 2020–21. Panel regression model have been employed for the study. Empirical findings show that high operating expenses are not appropriately used to manage financial performance in sample banks especially for public 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 (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 gr

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G., Koteswara Rao, and Dey Shubhamoy. "Public Sector Banks in India: Business Intelligence Architecture -." International Journal of Case Studies 3, no. 8 (2014): 09–23. https://doi.org/10.5281/zenodo.3523854.

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Banks worldwide use data warehousing solutions for performance measurement, profitability analysis, for risk management, historical analysis, for managing compliance requirements, executive dashboards, regulatory reporting and customer relationship management. Deployment of business intelligence (BI/MIS) capability is the next logical step for banks in India, especially those in the public sector, in their strategic use of information technology (IT). Most of these banks have either already implemented or are in the process of implementing a bankwide core banking system for transaction process

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Sharma, Prof Nidhi. "HRD Conducts Research Using Public Sector Banks and Private Sector Banks." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem36206.

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The banking sector, which is reliant on the health of the public, was discussed in this article. Only people use its services, and they are also the only ones who directly influence productivity. Up until 1969, banking was still in some ways a traditional enterprise. when the Indian government took over major banks. Banks became a powerful force for social change after being nationalized and ceased to be the sole source of finance for industry. The assertion that the banking industry is increasing astronomically is supported by additional proof in the form of statistics. The Indian banking ind

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Suba, Nitin R. "Relationship between Earnings Capacity and Liquidity: A study of Selected Private and Public Sector banks of India." RESEARCH HUB International Multidisciplinary Research Journal 9, no. 12 (2022): 18–25. http://dx.doi.org/10.53573/rhimrj.2022.v09i12.003.

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Economic development of a country depends significantly on banking services. Banks play a crucial role in the capital formation of an economy. Hence, an evaluation of financial performance of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. The performance of banking sector is perceived as the replica of economic activities of the economy. The development of the banking industry is considered as a good reflection of the development of the economy. In this paper I have made an earnest attempt to evaluate the performance of sel

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Dr., A. Balagurusamy. "ANALYSIS OF CAPITAL ADEQUACY OF PUBLIC SECTOR BANKS IN INDIA." International Journal of Current Research and Modern Education 2, no. 2 (2017): 127–31. https://doi.org/10.5281/zenodo.949377.

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In the present study, an attempt is made to analyze the present position of capital adequacy of selected public sector banks in India. First section includes a brief review of some of the earlier studies. Second section covers the scope, objectives, hypothesis and research methodology. In third section, an attempt is made to analyze the capital adequacy of selected banks namely State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Bank of India (BOI) and Canara Bank (CB) in India by using CAMEL Model ratios for a period of 2012-13 to 2016-17. Fourth section covers the co

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Santosh, Bajantri. "Impact of merger on profitability and non-performing assets Management in Indian Banking Sector- A Study on State Bank of India." International Journal of Advance and Applied Research S6, no. 16 (2025): 235–40. https://doi.org/10.5281/zenodo.15143833.

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<em>Stable economy of every country is depends on banking companies, in modern era an individual cannot imagine their life without bank because money is everything to an individual. Bank is base for proper flow of money in an economy. In Indian banking sector it comprises with co-operative banks, commercial banks and others. Now day’s commercial banks are playing vital role in our country. The whole commercial banks are broadly divided into two viz. public and private sector bank. In public sector state bank of India is larges and prominent bank in public sector. State bank of India earl

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Taqi, Dr Mohd, and Maj S. M. Mustafa. "Financial Analysis of Public and Private Sector Banks of India: A Comparative Study of Punjab National Bank and HDFC Bank." International Academic Journal of Business Management 05, no. 01 (2018): 26–47. http://dx.doi.org/10.9756/iajbm/v5i1/1810003.

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Halder, Binay Krishna. "Managerial Effectiveness and Demographic Variables: A Study on Public and Private Sector Banks of West Bengal." British Journal of Multidisciplinary and Advanced Studies 4, no. 6 (2023): 52–70. http://dx.doi.org/10.37745/bjmas.2022.0359.

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In order to find out the managerial effectiveness of the managers in both public and private sector banks of West Bengal, demographic variables (age, gender, education, experience, income and marital status) and managerial effectiveness of managers are used in this study. The purpose of the present study is to find out the role of demographic variables in managerial effectiveness of managers in both public and private sector banks of West Bengal. The sample consists of 566 managers from three public (State Bank of India, Allahabad Bank, and United Bank of India) and three private (ICICI, HDFC,

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M, Chandramma. "Role of Banks on Economic Development: A Special Reference to Management of NPA in Public and Private Sector Banks." Journal of Banking and Financial Dynamics 9, no. 1 (2025): 1–6. https://doi.org/10.55220/25766821.v9.242.

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Non-performing assets are advances e been past due over more than 90 days in terms of interest and/or principal payments. A substandard asset remains non-performing for a period of less than or equal to 12 months. An asset is as doubtful if it has been in the substandard category for 12 months. A loss asset is one in which the bank has identified a loss or external auditors, or an RBI inspection but the amount has not been fully written off. The study focused mainly on the comparison of NPAs and Bank performance across public and private sector banks, To discuss trends in bank performance conc

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Othman, Mahdy, Razia Nagina, and Dhendrup Samdrup. "English Assessing Banking Sector Performance: A Comparative Camel Study between Public and Private Banks." Revista de Gestão Social e Ambiental 18, no. 8 (2024): e05584. http://dx.doi.org/10.24857/rgsa.v18n8-099.

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Purpose: To assess and determine the top-performing Indian public and private banks while examining any discernible disparities in their financial performance. Methodology: 12 public and 20 private banks were evaluated for financial performance from 2019 to 2023, using composite ranking and independent sample t-tests. Findings: All banks met the mandatory minimum requirement of a 9% Capital Adequacy Ratio, as revealed by the study results. The Bandhan Bank was the best performer in “Capital Adequacy” and “Earning Ability”, HDFC in “Asset Quality” and “Management Quality”, and Bank of India and

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Shivagami, G., and T. Rajendra Prasad. "Critical Evaluation of the Services Rendered by Canara Bank and HDFC Bank - A Comparative Assessement." Shanlax International Journal of Economics 11, no. 1 (2022): 60–70. http://dx.doi.org/10.34293/economics.v11i1.5820.

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India is a mixed economy where every one will be given an opportunity to undertake and promote their business activities but subject to the conditions of the rules and regulations passed by the Government. In this direction, we are not only having public sector banks exclusively, even private sector banks was given an opportunity to serve the common people where there is a lack of government banks in certain regions. Today both public sector banks and the private sector banks have been established in every city, town and villages and we find a healthy competition in promoting their business. I

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Dr., Seema Singhal. "Assessing The Cybersecurity Challenges In E-Banking: A Comparative Study of Public and Private Sector Banks." International Journal of Contemporary Research In Multidisciplinary 4, no. 1 (2025): 202–6. https://doi.org/10.5281/zenodo.15510841.

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This study examines the cybersecurity challenges faced by e-banking systems across public and private sector banks in India from March 2020 to March 2024. Through comparative analysis of six major banks - State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Axis Bank, ICICI Bank, and HDFC Bank - this research identifies key cybersecurity vulnerabilities, incident patterns, and mitigation strategies. Statistical analysis reveals significant differences in cybersecurity preparedness and incident response between public and private sector banks, with implications for regul

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GUPTA, Prof JAGRITI. "STUDY OF RISK MANAGEMENT IN BANKING SECTOR." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem32455.

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When it comes to the change of an economy, the function that financial institutions of a country perform is absolutely essential. The financial performance of a bank over the course of its history, as well as its capacity to manage risks such as market risk, credit risk, and liquidity risk, can be used to evaluate the progress that banking institutions have made. In the 1980s, the United States of America first implemented a supervisory framework model known as "CAMEL" in order to ascertain the overall state of the bank. It is possible for the model to serve as an efficient instrument for guid

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Tirumalaraju, Naveen. "Analyzing the fraud tendency in the Indian Banking sector." Journal of Management Research and Analysis 11, no. 3 (2024): 168–75. http://dx.doi.org/10.18231/j.jmra.2024.028.

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At present, the Indian banking sector is having of worldwide importance for a few years due to its robust regulatory measures and least bank failures during recession and other difficult situations. Banking plays a prominent role in providing required monetary resources for every sector to meet their objectives. At the same time, the banking sector has been facing major challenges like increasing fraudulent cases as Indian banks lost Rs.5.22 lakh crores public money by a way of fraud reporting during the last twelve years, which dents our country’s economy badly. The current study is to analyz

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