Private Sector Banks Research Articles

Prospects and Problems of Electronic Human Resource Management in Banking Sector -An Evidence from Kerala

Purpose: The purpose of this paper is to discuss the prospects and problems of electronic human resources management practices in banking sector of Kerala, in addition to these four dimensions of "Electronic Human Resource Management" are identified in the study. Design/Methodology/Approach: This paper presents the perspectives of managers in selected private and public banks in Kerala. Study participants included State Bank of India, Canara Bank, ICICI Bank, and HDFC Bank. Geographical scope of study is limited to Malappuram District of Kerala. Findings: This study identifies the areas of electronic human resources management in banking sector of Kerala along with Public and private banks are compared in terms of their practices, prospects, and problems with "Electronic HRM". Results of the study indicates that both public and private sector banks implement E-HRM, but private banks face more implementation problems than public sector banks. Conclusion: E-HRM is implemented by both public and private banks, but private banks have more problems when implementing it. Banks in the public and private sectors don't rely on traditional HR processes to manage performance, employee self-service and compensation Among them, "Electronic Human Resource Management" was implemented with 100% accuracy, followed by others with 90% accuracy.

Green Banking Services Offered by Public and Private Sector Banks – A Comparative Study with Special Reference to Mangalore City.

Green Banking Services Offered by Public and Private Sector Banks – A Comparative Study with Special Reference to Mangalore City.

__________________________________________________________________________ THE FUTURE OF WORK: ADAPTING HR POLICIES AND PROCEDURES FOR A HYBRID WORKFORCE IN PRIVATE SECTOR BANKS WITH AI

In the era of digital transformation and evolving work dynamics, the integration of artificial intelligence (AI) has emerged as a transformative tool in reshaping human resource management practices within private sector banks. As private sector banks navigate the evolving landscape of work arrangements, the integration of AI technologies into HR policies and procedures becomes imperative to effectively manage a hybrid workforce. This paper examines how private sector banks are adapting their HR practices to accommodate remote, hybrid, and on-site employees through the utilization of AI tools. By exploring the intersection of AI and HR in the context of a hybrid workforce, this study investigates the impact on employee engagement, productivity, and well-being. Key considerations include the development of inclusive policies, training programs for AI implementation, data privacy and security measures, and strategies for fostering collaboration and communication among dispersed teams. Insights from this research aim to guide private sector banks in harnessing the potential of AI to create a cohesive and agile workforce that thrives in the future of work. By exploring the practical implications of AI adoption in HR functions, this study aims to offer actionable recommendations for private sector banks looking to leverage technology to navigate the complexities of managing a diverse and distributed workforce. Through a comprehensive analysis of the evolving landscape of work arrangements and the role of AI in facilitating efficient HR practices, this research contributes to the ongoing dialogue on shaping the future of work in the banking sector.

Do Merger Announcements Enhance the Wealth of the Shareholders? Evidence from India Banking Sector

The present study attempts to examine the impact of merger announcements on shareholders’ wealth of respective banks in the Indian banking sector. The study considers 13 mergers which include the merger of both public sector and private sector banks. Event Study Methodology has been used for the analysis purpose. The study uses both a one-factor model and a two-factor model to calculate the cumulative abnormal return in various time windows. The notable findings of the study demonstrate that the market reaction towards the merger announcement is negative in both the public and private sector banks. The impact on public sector banks is more compared to the private sector banks as the resulting Cumulative Abnormal Return (CAR) values are negative and significant. Contrary to the above findings, the shareholders of Kotak Mahindra Bank and ING Vyasa Bank have gained wealth as a result of the merger as the market has reacted positively to the merger announcement.

Corporate sustainability reporting practices in the banking sector: A governance implication

This study aims to evaluate the level of sustainability reporting practices (SRP) in the Indian banking sector. The researcher used content analysis techniques to quantify the level of SRP in the post-merger and post-COVID-19 pandemic periods of the Business Responsibility and Sustainability Reporting (BRSR) period based on sustainability indicators prescribed by Global Reporting Initiative (GRI) standards, National Voluntary Guidelines (NVGs) on responsible business conduct, and literature review. The relevant data on sustainability reporting were extracted from business responsibility reports, corporate social responsibility (CSR) reports, and annual reports published by public and private sector banks in the 2021–2022 financial year (FY). The empirical findings showed that financial inclusion, green technology, and financial literacy are the top priorities under SRP among Indian banking companies. The study noted that banks in India pay limited consideration to indicators related to the environment (Mani, 2022). The findings further demonstrate a significant difference in sustainable reporting between public and private sector banks in India in terms of environmental and governance indicators (Kumar & Prakash, 2019a). This study strengthens the body of literature by evaluating the types of sustainable reporting practices in the Indian banking sector under the BRSR reporting regime after the COVID-19 pandemic period.

Analysis the Influence of Talent Management Practices on Employee Retention: Mediating Role of Job Satisfaction

The main aim of the present study was to conduct an in-depth investigation into the impact of "talent management practices" and "employee retention" in private sector banks in the Jaipur area. In addition, the study aimed to explore the potential of job satisfaction as a mediator for improving the relationship between the two variables above. To achieve these objectives, a structured questionnaire was distributed to a research sample of 200 employees who were randomly selected from six private sector banks in the Jaipur circle. A quantitative research method was used for data collection, and the research instrument consisted of a self-administered questionnaire. The convenience sampling technique was used to select the research participants. The proposed hypotheses were evaluated using a structural equation model. The study's results revealed a strong and significant positive relationship between talent management practices in banks and staff retention. Furthermore, the study found that job satisfaction played a crucial role in mediating this relationship between the independent and dependent variables. Overall, the study employed a wellfitted model to clarify the relationship between talent management practices and employee retention in private-sector banks. The findings of this research could be valuable for banks in the Jaipur area and other organizations in the financial industry that are interested in enhancing their talent management practices and retaining their valuable employees.

Green HRM Practices Followed by Public and Private Sector Banks

Green HRM Practices Followed by Public and Private Sector Banks

Analyzing the Impact of Loan Portfolio Management on the Financial Performance of Publicly Traded Banks in GhanaBottom of Form

The banking sector is pivotal for economic growth and development, primarily through its roles in financial intermediation, providing an efficient payment system, and supporting monetary policy execution. Over the past decade, the performance and profitability of Ghanaian banks have significantly improved. This study aimed to bridge the knowledge gap by examining the factors influencing the performance of commercial banks in Ghana. Key factors analyzed included loan portfolio management, interest expenses, administrative costs, and asset values. A descriptive survey design was utilized, focusing on management employees from commercial banks in Ghana. The sample was selected using both stratified and simple random sampling techniques, and data were collected through self-administered questionnaires. The Statistical Package for the Social Sciences (SPSS) was employed for analyzing primary data, while secondary data were sourced directly from the banks. The study revealed that fluctuations in interest margins had minimal impact on the profitability of both public and private sector banks, indicating that their profitability growth is relatively independent of interest rate changes. However, foreign banks benefited from higher returns due to these interest margin fluctuations.

Comparative study on impacts towards non-performing assets on financial crises between public sector banks and private sector banks

Comparative study on impacts towards non-performing assets on financial crises between public sector banks and private sector banks

Impact of Capital Adequacy on Profitability of Commercial Banks in Nepal

Purpose: This study aims to assess the impact of capital adequacy on the profitability of selected commercial banks in Nepal. It specifically measures and evaluates the capital adequacy ratios and profitability ratios of the selected Nepalese commercial banks. Methods: The research employs descriptive and casualcomparative research designs, using a sample of one governmentowned bank and one private sector bank in Nepal. The study analyzes CCR, SCR, and CAR to measure capital adequacy and ROE, ROA, and NPM to measure profitability. Findings: The study finds that the capital position of the commercial banks is adequate according to the capital adequacy framework 2015 and unified directives number one of NRB. However, profitability ratios of the sample Nepalese commercial banks are high but decreasing over the past 10 years. The correlation between ROE and capital adequacy variables is very weakly positive, while the correlation between NPM and capital adequacy variables is weakly positive. However, the correlation between ROA and capital adequacy variables is weakly negative. The regression analysis finds insignificant results, indicating that capital adequacy has not made any significant impact on profitability. Value: The study provides insights into the impact of capital adequacy on the profitability of commercial banks in Nepal, contributing to the understanding of the banking sector in Nepal. It also highlights the decreasing trend in profitability ratios and the insignificant impact of capital adequacy on profitability. Keywords: Capital adequacy, Profitability, Commercial banks, Nepal, CCR, SCR, CAR, ROE, ROA, NPM

Marketing Strategy for Customer Retention Through CRM: A Study on Private Banks

The main objective of the study is to examine the relationship between customer relationship management practices and customer retention as well as the impact of service marketing strategies on customer retention through customer relationship management practices of selected private banks. For this purpose, six private sector banks located at Bhubaneswar city of Odisha were selected. Data for the study were collected through a structured questionnaire from 564 customer respondents of these six private banks. Statistical tools namely structural equation modelling and regression analysis were used for data analysis and interpretation. The results of the study revealed that customer relationship management practices had strong and positive relationship with customer retention of private sector banks selected for the study. Further, the service marketing strategies through customer relationship management practices had significant impact on customer retention of such banks. The findings of the study will be useful to both the banks and customers. On the basic of the results, the banks can modify their marketing strategies and customer relationship management practices to attract customers and retain them in their fold. Further, the customers of such banks can get quality as well as timely services from such banks. The findings of the study would be beneficial to banking institutions and customers.

A Study on Credit Facilities by Private Sector Banks In India

A Study on Credit Facilities by Private Sector Banks In India

Demystifying corporate social responsibility disclosure strategy and practices in the banking sector of emerging economy

Corporate social responsibility (CSR) is recognised as one of the most significant strategic business practices and has become an indispensable element of long-term corporate strategy worldwide to gain a competitive edge (Aspal et al., 2023; Nuredini & Matoshi, 2022). This research investigates the level of CSR disclosure (CSRD) practices of banking sector companies operating in India. The CSRD practices of banking companies are investigated by employing content analysis techniques for the most current financial year, 2021–2022. Company-specific and domain-specific scores have been calculated for ranking motives. According to our investigation results, India’s banking sector has limited involvement in CSRD. Our study further indicates that the banking sector primarily focuses its CSR efforts on ‘Education and training’, ‘Health and hygiene’, and ‘Rural development’. The study finds no difference in CSRD between public and private sector banks (PVSBs) in India during the reporting period. This study is the first investigation in India to evaluate the level of CSRD in the banking sector after adopting the Companies Act in 2013. The results can help regulators and policymakers make informed decisions and encourage banks to be more responsible by comprehensively disclosing their CSR spending.

Critical Analysis on Non- Performing Assets in Public and Private Sector Banks

Critical Analysis on Non- Performing Assets in Public and Private Sector Banks

EMPIRICAL STUDY ON ADOPTION OF GREEN BANKING PRACTICES IN COMMERCIAL BANKS

Indian banks are eagerly anticipating initiatives in the green banking space, which is gaining popularity throughout the world. India aspires to join the ranks of Green Banking greats like the United States, Japan, Australia, etc. When it comes down to it, "Green Banking Products" are financial services whose main goal is green energy conservation. Finding out what's happening now, how users are aware of green banking practices, how customers perceive and favor these activities, and where the study may be improved upon are the main goals of the research. The research made use of both original and secondary sources of information. The data collection method chosen was Non-Probability Convenience Sampling. The results show that, in the current climate, green banking is crucial, according to most customers. The percentage of people using green banking products, such as ATMs and mobile banking services, exceeded 90% of the total. Green banking measures implemented by both public and private sector banks are well-known to nearly all customers. On a related note, it's safe to say that customers have learned about green banking through word of mouth and bank websites, rather than through print ads or television and online commercials, have major impact. In light of the present situation, the majority of the customers consider it necessary.

Assessment of technological disruptions on workforce challenges, productivity, and efficiency with respect to Indian banking sector

The purpose of this research paper is to take a systematic methodology to identify the main banking workforce difficulties and challenges that banks face as a result of technological disruption, which involves a literature analysis, absorption of consulting reports, and performing a perception poll. This research focuses on the workforce problems in both the sector’s banks.The current research for assessing the impact regression, path analysis, and Acyclic Behavior Change Diagrams (ABCDs) methods were adopted and 200 public and private sector banks have been selected in research. The basics of banking are probably going to change as a result of block chain, robotics, and artificial intelligence. Recent technology improvements have exposed the bank workforce to a number of issues.

Factors Affecting the Decision-Making Styles of Branch Managers in Private Sector Banks

, Amidst a global recession, private banks grapple with challenges. This study has aimed to identify decision-making styles of 72 branch managers in five private sector banks of Sri Lanka, assessing the impact of perceived stress, self-efficacy, and heuristics. Results (using Multinomial logistic regression and correlation analyses), reveal a predominant rational decision-making style. The gender of the individual and the level of experience of managers in the banking sector, indicates a significant impact on the spontaneous decision-making style. Branch managers’ perceived stress positively correlates with dependent, avoidant, and spontaneous styles (p < 0.01). It negatively correlates with rational decision-making style. Self-efficacy significantly affects all decision-making styles (p < 0.05), excluding the rational style of decision-making. Availability heuristic significantly affects rational style (p < 0.05). Identifying decision-making styles aids tailored training and enhances strategic decision-making in organizations during challenging economic times.

Design and Explanation of an Electronic Customer Relationship Management (E-CRM) Model to Enhance Customer Loyalty in Private Banks of Iran

Objective: The objective of this study is to design and explain a model of electronic customer relationship management (E-CRM) aimed at increasing customer loyalty in private banks in Iran. Methodology: This applied research employed a descriptive-survey method, incorporating both qualitative and quantitative approaches. A Delphi panel consisting of 35 experts from private banks contributed to identifying key E-CRM variables. In the quantitative phase, a sample of 384 bank managers and senior experts participated through a questionnaire. Structural equation modeling and PLS software were used for data analysis, ensuring a robust model fit and validation through reliability tests like Cronbach's alpha. Findings: The study identified critical influencing factors for E-CRM, categorized into human, technological, and organizational components. The model showed significant positive impacts on customer satisfaction and loyalty, with technological factors like IT management being the strongest predictors. Customer interaction, value creation, and organizational readiness for change also demonstrated notable influences. The findings support the integration of technological advancements and customer-centric approaches in private banking. Conclusion: The developed E-CRM model effectively enhances customer satisfaction and loyalty in the private banking sector. By focusing on human, technological, and organizational factors, private banks can improve long-term relationships with their customers, fostering increased loyalty. These insights highlight the need for continued investment in customer relationship technologies and staff training for optimal E-CRM performance.

Exploring the Nexus of ATM Service Quality, Customer Satisfaction, and Loyalty in the Private Banking Sector in Bangladesh

Exploring the Nexus of ATM Service Quality, Customer Satisfaction, and Loyalty in the Private Banking Sector in Bangladesh

An exploratory study examining the interrelationship between frauds and staff attributes: Private vs. public sector banks in India

An exploratory study examining the interrelationship between frauds and staff attributes: Private vs. public sector banks in India