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Journal articles on the topic 'Public sector banks'

Author: Grafiati

Published: 4 June 2021

Last updated: 11 September 2023

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1

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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2

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 (January 15, 2012): 12–15. http://dx.doi.org/10.15373/22501991/mar2014/66.

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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

Devi, J. Rama, and Dr B. Ramachandra Reddy. "Measures to Curb Npas in Public Sector Banks." International Journal of Scientific Research 3, no. 4 (June 1, 2012): 76–78. http://dx.doi.org/10.15373/22778179/apr2014/29.

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5

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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6

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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Dr. R. K. Patel, Dr R. K. Patel. "Non-Performing Assets in Public Sector Banks: An Investigation." Indian Journal of Applied Research 3, no. 9 (October 1, 2011): 97–100. http://dx.doi.org/10.15373/2249555x/sept2013/165.

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Dr. R. K. Patel, Dr R. K. Patel. "Non-Performing Assets in Public Sector Banks: An Investigation." Indian Journal of Applied Research 3, no. 9 (October 1, 2011): 12–15. http://dx.doi.org/10.15373/2249555x/sept2013/31.

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9

Nayan J., Nayan J., and Dr M. Kumaraswamy Dr. M. Kumaraswamy. "Retail Credit Risk Management in Indian Public Sector Banks." Global Journal For Research Analysis 3, no. 8 (June 15, 2012): 31–37. http://dx.doi.org/10.15373/22778160/august2014/10.

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10

Bishnoi, Tulchha Ram, and Sofia Devi Sh. "Economies of Scale in Public Sector Banks." Indian Economic Journal 65, no. 1-4 (March 2017): 119–39. http://dx.doi.org/10.1177/0019466217727883.

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The present study attempts to analyse the cost analysis of the banking industry with special focus on optimum size of a bank. It studies the cost structure, economies/diseconomies as well as the optimum size of public sector banks for the period 1991–1992 to 2013–2014. Economies of scale relating to 26 public sector banks are worked out for selected years. The large banks operated at a scale, reaping economies in all the years, the exception being the year 2004–2005 achieving position of the minimum AC—. For the small banks, there are economies of scale in all the selected years. Both the banks groups did not show diseconomies with respect to total cost, even though there were diseconomies associated with other individual cost items. The minimum efficient size (MES) was attained by all the public sector banks in each of the years selected. JEL codes: D24, D210, D220, D240, D240, D250

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11

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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12

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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13

Joshi, Alpa. "A Study on Profitability Analysis of Selected Public Sector Banks." Indian Journal of Applied Research 3, no. 5 (October 1, 2011): 113–14. http://dx.doi.org/10.15373/2249555x/may2013/33.

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14

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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15

Saharan, Rohtas Kumar, and Dr R. K. Katewa Dr R.K Katewa. "Profitability of Public Sector Banks From Shareholders’ Point of View." International Journal of Scientific Research 2, no. 5 (June 1, 2012): 31. http://dx.doi.org/10.15373/22778179/may2013/13.

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16

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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17

Ghosh, Bikramaditya. "Bankruptcy Modelling of Indian Public Sector Banks." International Journal of Applied Behavioral Economics 6, no. 2 (April 2017): 52–65. http://dx.doi.org/10.4018/ijabe.2017040104.

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The paper estimates earnings per share (EPS) of top three Indian public sector banks on the basis of Ohlson O score, Zmijewski score and Graham Number, for a period of 12 years (2004-2015), with the help of the generalized method of moments (GMM), along with the use of an artificial neural network (ANN) algorithm. The time period has been carefully selected so that it could capture crash and consolidation phase, along with unprecedented bull rally too. It has been found that the fitment of ANN based model is accurate. Thus, using this model, their future EPS during distress could be predicted with a higher degree of precision. The authors believe this to illustrate a clear trace of the availability heuristic, timid choice, bold forecast and herding, as bulk deals by institutional investors decide the feat of a stock even on the futuristic possibility of bankruptcy.

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18

Rajwanshi, Dr Vinod Kumar. "NPA in Indian public sector commercial banks." International Journal of Research in Finance and Management 5, no. 2 (July 1, 2022): 233–34. http://dx.doi.org/10.33545/26175754.2022.v5.i2c.174.

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19

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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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

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 (July 31, 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 which determine this lending The paper is based on an analysis of secondary data relating to priority sector lending (2006-07-2015-16) for the Public sector banks in India. The results indicate gaps in patterns of the sect oral target compliance by different bank groups, along with the lending preferences and challenges faced by banks in such lending. It also identifies bank-specific characteristics like the nature of ownership, size, performance, etc., which have a significant impact on the priority sector lending patterns. Based on its findings, the paper offers policy suggestions for improving the effectiveness of priority sector lending program.

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22

Tata, Harikrishna, and Nimmagadda Vijaya Sai. "Modeling the Performance Measures of Public Sector Banks." Applied Mechanics and Materials 867 (July 2017): 294–300. http://dx.doi.org/10.4028/www.scientific.net/amm.867.294.

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The progression of an economy is significantly dependent upon deployment as well as optimum utilization of resources and most importantly operational efficiency of the various sectors, of which banking sector plays a very vital role. Banking sector helps in stimulation of capital formation, innovation and monetization in addition to facilitation of monetary policy. It is imperative to carefully evaluate and analyse the performance of banks to ensure a healthy financial system and an efficient economy. Performance measurement is the most important activity of a management's control function in any organization. Performance measurement can be done in a systematic way for the entire organization to determine things, such as determining the needs of customers and seeing if they are able to fulfill their requests or not and making sure that the taken decisions are made with facts.

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23

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 (October 31, 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 in India, public sector banks customer satisfaction.

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24

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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25

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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26

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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27

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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28

Ramu, G., and V. Anbalagan. "SERVICE QUALITY OF PUBLIC SECTOR BANKS - A STUDY." International Journal of Research -GRANTHAALAYAH 5, no. 7 (July 31, 2017): 639–45. http://dx.doi.org/10.29121/granthaalayah.v5.i7.2017.2173.

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The banking scenario in India is of a highly developed nature, even though it is still far from achieving world standards in terms of size, products and services. Indian banks have realized that along with organic growth there is a need to grow inorganically as well, in order to be competitive with other players in the market. In this scenario, banking has been the focus of attention for the banking industry. Gronross, a service marketing expert, proposed that a service firm, in order to simultaneously attain success, must develop its service quality. Firstly, it must define how the consumers perceive service quality and secondly, determine in what way service quality is influenced. Consumers all over the world have become more quality conscious; hence there has been an increased customer demand for higher quality service. Service operations worldwide are affected by this new wave of quality awareness and emphasis. Therefore service-based companies like the banks are compelled to provide excellent services to their customers in order to have sustainable competitive advantage, especially in the current trend. This study identifies quality dimensions significant to enable the banks to develop the strategies improving the quality of service delivery. It is found through the present study that the public sector banks in Karur district are losing market share to private and foreign banks. To survive in this competitive scenario all public sector banks are forced to introduce innovative services, schemes in order to retain existing customers and attract new customers.

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29

B.K., Dhanya, and Dr Velmurugan V.P. "Satisfaction Level of Customers in Demographic Variables in Public Sector Banks." Webology 19, no. 1 (January 20, 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 technological advancements genuinely improve client satisfaction. The aim of our study is to look at the effect of demographic factors on several determinants of consumer satisfaction in the Indian banking industry, as well as their relationship to service quality, value, and overall performance in electronic banking. In Thiruvananthapuram district, Kerala, India, a customer survey (N=290) of Indian public sector banks such as UDC Bank, Indian Bank, and Indian Overseas Bank gathered the required data. According to the data, consumers with a higher level of education and revenue who utilize Internet banking for a large portion of their financial requirements and have done so for a longer period appear to have a higher level of satisfaction. Customers' evaluations of the efficiency, value, satisfaction, and loyalty component of internet banking service were used to determine gender and age.

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30

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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Dr.T.R.Gurumoorthy, Dr T. R. Gurumoorthy, and B. Sudha B.Sudha. "Non-Performing Assets (A Study With Reference To Public Sector Banks)." Indian Journal of Applied Research 2, no. 2 (October 1, 2011): 7–9. http://dx.doi.org/10.15373/2249555x/nov2012/3.

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32

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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33

George A J, William, and Dr Manoj P. K. Dr. Manoj P K. "Customer Relationship Management in Banks: A Comparative Study of Public and Private Sector Banks in Kerala." International Journal of Scientific Research 2, no. 9 (June 1, 2012): 246–49. http://dx.doi.org/10.15373/22778179/sep2013/81.

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34

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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35

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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36

Doshi, Archi, Geeta Sharma, and Namrata Ladha. "Dynamics of Income Diversification, Profitability, and Risk: Analysis of Public and Private Sector Banks in India." ECS Transactions 107, no. 1 (April 24, 2022): 4503–16. http://dx.doi.org/10.1149/10701.4503ecst.

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“Do not put all eggs in one basket.” This risk management principle applies to every other industry whether it be manufacturing or banking. Interest income is believed to be a bank's primary source of income. Banks diversify their operations to generate non-interest income and lower their total risk exposure. Applying panel-data regression, the study analyzes and compares the intensity of diversification of income sources between public and private sector banks in India, using secondary data for Indian financial years 2012-13 to 2020-21. It utilizes RAROA and Z-Score to examine the impact of income diversification on profitability and risk, respectively. It discovered that private banks are more diversified than public banks. With low levels of diversification, public banks had a positive impact on profitability and risk. This is evident from research that banks leverage income diversification as a tool to fight COVID-19 backed slowdown.

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Birt, Jacqueline, Mahesh Joshi, and Michael Kend. "Segment reporting in a developing economy: the Indian banking sector." Asian Review of Accounting 25, no. 1 (February 6, 2017): 127–47. http://dx.doi.org/10.1108/ara-06-2015-0064.

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Purpose The purpose of this paper is to investigate the value relevance of segment information for both public and private sector banks in India. In doing so, this paper examines a rapidly developing economy and perhaps its most critical sector during this period of strong economic growth. Design/methodology/approach In this study uses the simplified Ohlson model, for a sample of 136 private sector and public sector banks for the period 2007-2010 in India. Findings The paper finds that public sector banks have higher share prices, higher earnings and more equity compared with private sector banks. Segment earnings data is highly value relevant for both sectors; however, segment equity data is only marginally value relevant for Indian banks. The number of segments is also value relevant and associated with higher share prices. Originality/value The results of this study contribute additional evidence to the literature on segment reporting by studying the effect of adoption of segment reporting in an emerging market. Findings from the paper are particularly relevant as India is currently in the process of changing its segment reporting requirements and moving to an IFRS-based segment standard.

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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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Boora, Krishan, and Kavita Jangra. "Preparedness level of Indian public sector banks for implementation of Basel III." Managerial Finance 45, no. 2 (February 11, 2019): 172–89. http://dx.doi.org/10.1108/mf-10-2017-0416.

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PurposeThe purpose of this paper is to explore the preparation level of Indian public sector banks for the implementation of Basel III. It is mandatory for public sector banks in India to make adequate preparations to comply with the Basel III international regulations.Design/methodology/approachThis study uses a modified questionnaire (Ernst & Young, 2013; AL-Tamimiet al., 2016) to examine the preparedness level of Indian public sector banks for implementing Basel III. Seven hypotheses are developed and tested.FindingsThe results show that Indian public sector banks are positively inclined toward Basel III, and the awareness level of Indian banks’ managers is adequate concerning Basel III. The banks have required resources for the proper implementation of Basel III, which is a prerequisite for its implementation. Banks know about the expected benefits that can be attained from implementing Basel III appropriately and banks are also aware of the high cost attached with Basel III. The capital adequacy ratio of public sector banks is above 11 percent, showing the banks’ readiness for Basel III.Practical implicationsThe public sector banks need to concentrate on revising the existing policies to sharpen their risk management practices. Moreover, improving the level of education on Basel III is still required and the results also support the importance of advanced technology and trained human resources at all level as a basic requirement for the implementation of Basel III. It can be achieved by the support of government, Reserve Bank of India (RBI) and other concerned agencies. The enforcement of Basel III will also create various challenges for Indian public sector banks, in terms of declining profitability, increasing capital requirements and nonperforming assets. That is why the impact of Basel III norms on Indian public sector banks cannot be undervalued.Originality/valueThe findings would assist the Indian public sector banks to know about their preparedness level for Basel III and what are the necessary actions to encourage Basel III implementation process. The present study would be important for regulators and decision makers in banks, as the main purpose of this study is to increase their awareness of Basel III norms. The result would also help the regulators regarding the corrective measures that should be taken by RBI in order to motivate the banks for enforcing Basel III.

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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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Singla, Anju, and Shivani Gupta. "Stress Management: Special Reference to Public Sector Banks." Effulgence-A Management Journal 10, no. 2 (January 7, 2012): 41. http://dx.doi.org/10.33601/effulgence.rdias/v10/i2/2012/41-48.

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Tawar, Arun. "Financial Stability of Public Sector Banks in India." Asian Journal of Research in Banking and Finance 7, no. 2 (2017): 61. http://dx.doi.org/10.5958/2249-7323.2017.00008.6.

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Kaur, Mandeep, and Manpreet Kaur. "Web disclosure practices of Indian public sector banks." Asian Journal of Research in Banking and Finance 7, no. 9 (2017): 150. http://dx.doi.org/10.5958/2249-7323.2017.00112.2.

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S. Bhuvana Geethanjali, S. Bhuvana Geethanjali. "Financial Performance of Public Sector Banks in India." International Journal of Information Systems Management Research and Development 9, no. 1 (2019): 31–42. http://dx.doi.org/10.24247/ijismrdjun20193.

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S. Bhuvana Geethanjali, S. Bhuvana Geethanjali. "Financial Performance of Public Sector Banks in India." International Journal of Sales & Marketing Management Research and Development 9, no. 1 (2019): 91–102. http://dx.doi.org/10.24247/ijsmmrdjun20197.

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Kumar, Pawan, Ajay Khurana, and Sunil Sharma. "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.2021.114436.

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Bapna, Rishabh. "LEADERSHIP STYLES IN PUBLIC AND PRIVATE SECTOR BANKS." International Journal of Advanced Research 5, no. 12 (December 31, 2017): 1545–60. http://dx.doi.org/10.21474/ijar01/6118.

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Kumar, Ashish, and Sanjay Dhingra. "Evaluating the efficiency of Indian public sector banks." International Journal of Indian Culture and Business Management 13, no. 2 (2016): 226. http://dx.doi.org/10.1504/ijicbm.2016.078041.

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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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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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