Greenwashing in banking: exploring the interplay of strategic ambidexterity, public policy, and customer orientation

The study is based on the NPA value of public & private banks in India. The value of nonperforming assets effects the reputation of a bank. NPAs reflect the performance of different banks. If a bank has a large number of nonperforming assets, it means that bank is not working well. The main purpose of this paper is to find out the actual value of NPA in India from 2008-13. It is clear the value of NPA in small industries and agriculture in India. The paper also shows the value of NPA in small scale industries and agriculture sector. The value of NPA is increasing in every year. NPA reflects the value of profit and show the level of management of every private sector and public sector banks in India. NPA has become the main problem for Indian economy. The high NPA value effect the bank’s reputation and growth. As we know that the Indian banks are facing lot of financial problems but it is happen because of the high value of NPA. Most of the NPA value is coming from public sector banks in India that effect the profitability. So to improve the value of profitability the Banks will have to take some suitable steps.

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 in India from an investment perspective, the Net Interest Margin ratio, Gross Non-Performing asset ratio, Net Non-Performing asset ratio, Current Account Savings Account (CASA) ratio, and total deposit over ten years from 2014–2023 are employed. The findings of the study state that the Net Interest Margin range of private sector banks extends from 6.06% to 2.76%, while the range of public banks begins at 2.66% and goes as low as 2.06%. The gross and net non-performing asset ratios witness higher consistency in asset quality and better risk management in the private sector. However, public sector banks, led by the State Bank of India, maintain dominance in total deposits. While both sectors perform on par in the Current Account Savings Account ratio analysis, the hold of the public sector, especially the State Bank of India, in terms of total deposits, is indisputable. The study concludes that private sector banks demonstrate superior efficiency to public sector banks in India, particularly in profitability, risk management, and asset quality. AcknowledgmentThe authors acknowledge everyone who contributed to the study, particularly Goa Business School and Goa University.  

Banking is one of the strongest pillars of the Service Sector; a major contributor to India’s GDP sources of credit to both household and industrial sectors. With the advent of globalization and upcoming private banks in India, there is a significant rise in the customers’ expectations resulting in increase in customers’ complaints. In this context, an effective and efficient “Complaint Redressal System” is looked upon not only from regulatory perspective but also marketing support. Awareness about the functioning of “Complaint Redressal System” by the customer and reaction of aggrieved/dissatisfied customers have kept banks vigilant in the competitive market environment. This research paper is an attempt to study the efficiency of “Complaint Redressal System” adopted by both private and public sector banks in India; the paper also undertakes comparative analysis of banks under two types of ownerships in terms of efficiency in resolving complaints, the customers’ perceptions, satisfaction and rating among these two types. Total 1000 bank customers (500 customers each of public sector banks and private sector banks) are surveyed from NCR. Exploratory research (secondary sources and literatures/review) and descriptive quantitative tools on the basis of primary data collect through survey are undertaken by the researcher. Hypotheses tests are done using both parametric test (Z-test) and non-parametric test (t-test, Chi-square test).

The banking sector in India has contributed to economic growth, parity and equity while equally keeping focus on profit and social objectives. The successive prudential and regulatory reforms introduced in the banking sector have made it more robust and stronger to withstand the bubbles and external shocks. Still, the Indian banking sector in general and public-sector banks (PSBs) in particular have been suffering from the bank frauds. This study endeavors to cover the increasing incidences of banking frauds in PSBs and probes the weaknesses and chinks in the operational risk architecture at the PSBs in India. This study selects Punjab National Bank as a true representative of PSBs and treats it as a critical case study to apply the learning and findings to the PSBs in India. This qualitative analysis of the study revealed that the chinks in the operational risk control mechanism and lax corporate governance are the main reasons behind the increasing incidences of frauds at PSBs. The findings of the study showed that a strong corporate governance and compliance framework, robust risk management architecture, investment in people, technology and systems will go a long way in achieving tighter control and supervision, streamlining processes and, most of all, adhering to a culture of checks and balances.

Service quality is believed to be one of the main determinants of customer satisfaction and purchase intention. However, there are very few studies that have been conducted to identify the important dimensions of service quality specific to banking sector. The present study is aimed to assess and compare the perceived level of bank service quality and to investigate the dimensions of quality banking service in private and public sector bank using an instrument banking service quality scale (BSQ) specifically designed for measuring service quality in banks. The study is based on the responses collected from 240 customers banking with private and public sector retail banks in India. The results show that the customers of public sector and private sector banks differ in terms of their service quality perceptions. Private banks are perceived to be superior on the service quality dimensions: effectiveness, access and tangibles whereas, the public sector banks score better on the dimensions of price and reliability. The study concludes that the BSQ instrument appears to be a valid instrument to measure the service quality in Indian retail banks.

<p>Quiet Life Hypothesis is a concept which ensures the players in an industry achieving and attaining the highest market share. But Quiet life is also possible with the very strong strategic and efficient leadership at CEO level of any organisation. Their tenure makes the organisation to emerge as industry’s behemoth like SBI. The QLH is tested in the Banking sector especially State Bank of India. Nevertheless, to say Ms. Arundhati Bhattacharya took over as CEO of SBI in Oct, 2013 and with her extended tenure till Oct 2017, she made SBI as the most efficient bank among all public sector banks in handling demonetisation, GST and implementing the road map of merger of all associate banks of SBI and Bharatiya Mahila Bank. The legacy of Ms. Arundhati left SBI in an extremely strategically stronger position than before she became CEO. This paper reveals that the exit of hers made SBI reap the benefits of Quiet Life in comparisons with other public and private sector banks in India.</p>

Private banking in India was practiced since the beginning of banking system in India. The first private bank be set up in India was the IndusInd Bank. It was one of the fastest growing banks, among private sector banks in India.” A customer is one who receives a product or service from an organization. So defined, a customer would obviously include an account holder or his representative, or a person carrying on casual business transactions with a bank, or a person who on his own initiative may come within the ambit banking fold. The study entitled customer perception to the services of commercial banks in Madurai city is carried out in the Temple city which is the second largest one in Tamil Nadu. Twenty four public sector banks and fifteen private sector banks function in Madurai district.

Banks play a very important role in any Financial System. It is the backbone of the Indian Financial System. The Rising NPA’s of the Banks in India for the last 5 years has really posed a threat to the Indian financial system. Recently Standard & Poor Global Rating agency has expected the NPA’s of Indian banks to remain elevated at 11.5 %. NPA helps to measure the Performance of any bank. It is quite evident that the Recent Covid Pandemic has badly hit not only India but the entire world to a greater extent. The Public and Private sector banks in India both have been adversely affected by the Rising NPA. Through this research, it has been observed that Public sector banks are more adversely affected than Private sector banks. My Study Focus on the Trend & Differences in the Non-Performing Assets of the Selected Indian Public and Private Sector Banks.

Purpose: The purpose of this study is to examine the relationship between the accounting numbers and the share price of the banks in India, and also to study if there is any significance difference in the relevance of accounting numbers in case of public sector and private sector banks.Design/methodology/approach-The study used panel least regression analysis by incorporating Fixed effect model (FEM) and Random effect model (REM), where nine set of accounting variables regressed against market share price of private and public sector banks for a period of 10 years from 2005 to 2014.Findings ?The empirical findings revealed that, out of nine independent variables used; the earnings per share, book value per share, assets turnover and current ratio were significant in private sector banks and earnings per share, book value per share, return on equity and net non-performing assets ratio were significant in public sector banks. Overall empirical findings reported that the accounting numbers in public sector banks is more relevant than that of private sector banks and this supports the hypothesis of the study that there is significant difference in the relevance of accounting numbers between public sector banks and private sector banks.Practical implications ?The empirical findings of this study contribute to existing literature and provide additional insight to Indian investors to understand the importance of accounting numbers in banking sector; also it provides insight to bankers by identifying accounting numbers which are accorded significance by the stock market. Originality/value -To the best of author?s knowledge, this is the first empirical study which compared the accounting numbers private and public sector banks of India.

This article delves into the intricate relationship between revenue diversification and the financial performance and sustainability of both public and private sector banks in India. Through a comprehensive analysis of nine years’ panel data from 2015 to 2023 and applying descriptive statistics, the Herfindahl–Hirschman index, panel data regression models and generalized method of moments, our findings reveal a concerning trend—Revenue diversification is exerting a negative influence on the financial well-being of the Indian public sector banks (PSBs) and positively impacts the private sector banks. Contrary to conventional wisdom, the pursuit of diversifying revenue streams has not yielded the anticipated benefits for Indian PSBs. Instead, it has emerged as a source of financial instability and vulnerability. Hence, our findings suggest that a focused approach to revenue sources may be more advantageous for the PSBs. This study underscores the importance of strategic revenue planning and resource allocation for Indian PSBs to enhance their financial performance and self-sufficiency. The results have practical implications for policymakers, bank executives and stakeholders in the Indian banking sector, offering guidance on optimizing revenue strategies to ensure the long-term sustainability of PSBs in India.

Banking sector and its performance play an important role in an economy. The current scenario of Indian banking sector is very dynamic and competitive. To maintain market share it is necessary for banking institutions to acquire large customer base. Customers today are very much aware about various financial services and institutions, moreover they are spoilt for choice. Therefore they can only be retained by providing quality services. The present study focuses on the service quality and customer satisfaction among private and public sector banks in India. It also attempts to compare service quality gaps between customer expectation and satisfaction regarding banking service. The outcome of the study shows that service gap is lower in private sector banks than public sector banks. Reliability and assurance are the dimensions where no significant difference has been observed between public and private sector banks.

The banking sector in India underwent a liberalisation and globalisation process in 1990s, which led to reforms in banking sector, changes in their structure and beginning of competitive environment. For survival, each bank is forced to inspect its performance and to identify improvement measures to gain further competitive advantages. For valid performance evaluation of banks, we employ a multi-component data envelopment analysis (DEA) approach. This paper seeks to measure the multi-component performance analysis of public sector banks (PuSBs) in India for the period 2008-2013. Each bank consists of two components: productivity and profitability. The empirical results show that major inefficiency lies in the productivity phase as compared to profitability phase. Sensitivity analysis validates the use of multi-component DEA instead of DEA. The findings of the study are quite useful for policy makers to identify PuSBs' efficiency, weakness and directions for improvement in either productivity phase or profitability phase or both.

Non-Performing Assets (NPAs) represent a major challenge for financial institutions, particularly public sector banks (PSBs) in India. This study undertakes a comparative analysis between Canara Bank and other PSBs to assess trends, impacts, and management practices related to NPAs. The study explores factors leading to the rise of NPAs and their financial impact on profitability and liquidity. Through a literature review, data analysis, and hypothesis testing, this research identifies challenges and offers recommendations for improving NPA management practices in India’s banking sector. The findings highlight the need for robust credit risk management and improved regulatory interventions

Private banking in India was practiced since the beginning of banking system in India. The first private bank be set up in India was the IndusInd Bank. It was one of the fastest growing banks, among private sector banks in India. .” A customer is one who receives a product or service from an organization. So defined, a customer would obviously include an account holder or his representative, or a person carrying on casual business transactions with a bank, or a person who on his own initiative may come within the ambit banking fold. The study entitled customer perception to the services of commercial banks in Madurai city is carried out in the Temple city which is the second largest one in Tamil Nadu. Twenty four public sector banks and fifteen private sector banks function in Madurai district.

Performance appraisal is the most critical human resource practice and an indispensable part of every organization; however, the practice continues to generate dissatisfaction among employees and is often viewed as unfair and ineffective. Indian banking sector is one of the biggest and fastest growing financial service sectors. The post-liberalization era has witnessed significant changes in the structure and operations of banks operating in India. Arrival of new private and foreign banks has given a cause to public sector banks to be more competitive, effective and innovative in their approach. Past researches have compared public and private sector banks and have indicated that new private sector banks are outscoring public sector banks in terms of technical and economic efficiency parameters. However, no study could be found that compared public and private banks in India on fairness perceptions of performance appraisal system. Therefore, this research studied the differences between public and private sector banks with respect to perception of fairness of the performance appraisal system and performance appraisal satisfaction. Perception of fairness of the performance appraisal system has been studied through nine factors. The study used independent samples t-test and qualitative analysis to study the mean differences between the two banks. Results indicated that private sector bank employees perceive greater fairness and satisfaction with their performance appraisal system as compared to public sector bank employees.