Private Banks In India Research Articles

An Analysis of Maturity Patterns and Interest Rate Risk in Public and Private Banks in India: an Asset Liability Management Approach

An Analysis of Maturity Patterns and Interest Rate Risk in Public and Private Banks in India: an Asset Liability Management Approach

Identity-based effect of internal branding on brand performance: the contingent role of co-worker support

PurposeDrawing on the social identity theory (SIT), this study investigates the relationship between internal branding (IB), organizational identity (OI) and brand performance while considering OI as the linking apparatus of internal branding and brand performance. It also explores the moderating role of co-worker support in the relationship between OI and brand performance.Design/methodology/approachA sample of 919 frontline employees working in private banks in India was collected by using multi-stage sampling. Structural equation modeling (SEM) was utilized to examine the hypothesized relations. PROCESS macro for SPSS was used to test mediation and moderation effects.FindingsThe results reveal that all IB dimensions (internal brand communication, brand-oriented transformational leadership and brand-oriented HR activities) directly affect OI and indirectly affect brand performance. Additionally, no moderating effect of co-worker support is found.Research limitations/implicationsThe current study contributes to the existing literature by portraying IB as identity strengthening phenomenon and brand performance as identity-congruent behavior. It also reveals how social context influences brand performance and assists them in socially categorizing themselves.Originality/valueThe present study portrays a complete understanding of the dynamics between internal branding, organizational identity, and brand performance. The study also emphasizes the empirical examination of the potential mediation effect of organizational identity and the moderation effect of co-worker support.

Unraveling the effects of “living the brand”: a resource generating outlook

ABSTRACT Grounded in the Job Demands-Resources (JD-R), Conservation of Resources (COR) model, and Social Exchange Theory (SET), the present study has developed an integrated model where internal branding acts as a resource-generating mechanism for both employees and organizations through enhanced employee well-being and brand performance. A sample of 919 frontline employees of private banks in India was collected through a multi-stage sampling technique. Structural equation modeling using AMOS was employed to examine the hypothesized relations, whereas bootstrapping procedure was followed to assess the mediation effect. The findings unveiled the favorable impact of internal branding dimensions on employees’ well-being and brand performance.

A Comparative Study of Earnings Quality of Selected Five Commercial Private Banks in India

A Comparative Study of Earnings Quality of Selected Five Commercial Private Banks in India

Neural network-based liquidity risk prediction in Indian private banks

Liquidity risk stands as a pivotal financial concern within the Indian banking landscape, particularly in the context of Basel Recommendation. This recommendation underscores the vital role of liquidity risk management, urging banks to establish robust information systems for the assessment, anticipation, and control of liquidity risks. Recognizing the nuanced nature of this risk, banks across India employ diverse tools and methodologies in managing liquidity risk. This study delves into the efficacy of artificial neural networks (ANNs) in forecasting liquidity risk within the private banking sector in India. Drawing from prior research and leveraging accounting data, a unique structure and architecture for a multilayer perceptron neural network was developed. Subsequently, the study harnessed this ANN framework, along with Matlab software, to forecast liquidity risk in private Indian banks over the period spanning 2009 to 2019. The research outcomes shed light on the promising potential of artificial neural networks as a valuable tool for predicting liquidity risk in private Indian banks. This discovery holds significance in enhancing the resilience and stability of the Indian banking sector by providing more precise and timely insights into liquidity risk management.

Comparative Analysis of Aggressive Hybrid Funds' Performance among Indian Private Banks

Comparative Analysis of Aggressive Hybrid Funds' Performance among Indian Private Banks

Indian Banking Sector

When developing a new marketing strategy, the customer is king, and the customer is the protagonist. Customers are at the heart of any successful marketing strategy. Banking field has a unique relationship between customer and the bank. However, due to various reasons such as lack of education, new technical skills, financial goals and risk of failure, some banks use traditional marketing methods while others adopt CRM. With this in mind researchers undertook a modest attempt to develop the idea that’s CRM could be customized to continuously improve banking services across the banking industry. Understanding customer relationship management is an ongoing concern for service providers, especially banks. The bank has the unique ability to manage new and existing customer relationships.
 The Indian banking sector has historically gone through five stages: pre- independence, post-independence, pre-nationalization, nationalization and post- liberalization. At all these stages, marketing was not always considered banker's cup of tea, except for the last stage. The paper recognizes with the same caveat that the marketing strategies of private banks in India and abroad are far superior to those of public banks. Only banks that adopt effective and realistic strategies to gain customer trust can survive in the future.

The Comparative Study of Key Performance Ratios of Selected Indian Private Banks

This article is mainly based on the comparative study of India's private banks during the study period of 2017-18 to 2021-22. For the perspective of comparative study Key performing ratios are selected and hypothesis testing is done by one way ANOVA test. The testing hypothesis is Ho hypothesis is rejected in NPM , OPM, ROCE ratio that means there is no significant difference between selected sample units, while Ho is accepted only in CASA ratio that means there is significant difference between selected sample units. And the findings of study are HDFC Bank and KMB generate a more profit from their services with low operating cost. It shows good operating efficiency. The performance of ICICI Bank is average during the study period, but Axis Bank's performance is not good compared with other banks.

Analysis and Evaluation: Performance of Bank Through CAMEL Model, A Case Study of Selected Public and Private Banks in India

Performance evaluation of the banking sector is a powerful measure and indicator to test the stability of financial activities of an economy. In this study an attempt has been made to assess the performance & financial stability of selected Private and Public Banks in India of the year 2018. CAMEL techniques have been used to look at the financial strength of the chosen banks. Composite Rankings and Average has been implemented here to attain conclusion through the comparative and significant analysis of various parameters of CAMEL. HDFC bank is ranked first under the CAMEL analysis followed by Axis bank. ICICI occupied the third position. The fourth position is occupied by SBI, fifth by Bank of Baroda and the last position is occupied by Bank of India amongst all the selected banks.

Retail Banking with Special Reference to Yes Bank

Banks play a pivotal role in the economic growth of the country. Failure of any private sector bank or public sector bank, irrespective of the ownership can impact everyone. Hence, neither Government of India nor Reserve Bank of India (RBI) will never let a bank facing troubles in its financial position to fail. One of the major private banks in India ‘Yes Bank Ltd’, has been facing the problem of rapidly deteriorating financial position. This necessitated Reserve Bank of India (RBI) to take immediate actions to protect depositors money. This Research paper covers multiple dimensions of Yes bank’s journey.

Performance of Private Banks in India after the Global Financial Crisis

The present study attempts to evaluate the growth and performance of 21 private banks of the Indian banking system using indicators like credit, deposit, return on assets etc. The study also evaluates the overall technical efficiency, pure technical efficiency, scale efficiency, allocative efficiency and cost efficiency between 2009-10 to 2018-19 using non-parametric data envelopment analysis (DEA). The inputs and outputs have been specified using intermediation approach. The inputs used are sum of deposits and borrowings, number of employees and fixed assets. Investments, advances and other income are taken as outputs. Prices of inputs have also been used to evaluate allocative and cost efficiency. The findings of the study indicate that new private banks had better average overall technical efficiency, average pure technical efficiency, average scale efficiency and average cost efficiency. IDFC bank was the only bank efficient in all the types of efficiencies. Further, the negative effect of non-performing assets was also seen on the performance and efficiency of new and old private banks.

EFFECT OF CSR AND ENTERPRISE RISK MANAGEMENT SYSTEM ON CORPORATE REPUTATION: AN EMPIRICAL STUDY

Purpose: This research looks into the connection between CSR and ERM to determine their relative value to businesses. The theoretical model was founded on a thorough literature analysis, and it was anticipated that an organization's CSR and ERM system's ability to inspire trust and commitment among its workforce would, in turn, help the business improve its public image. Methodology: Participants in the study were those working for private banks in Delhi. A total of 340 employees were selected at random for this empirical study. SPSS version 22 was used to perform statistical analyses on the gathered data. Regression analysis was used to validate the model. Findings: Both ERM and CSR initiatives have been found to positively impact a corporate reputation (CR). In addition, empirical findings indicate that employee commitment and trust in the company mediate the connection between CSR activities and CR. The findings indicated that Employee-focused ERM system and CSR actions improve corporate reputation among banks’ employees. Practical Implications: The research explores the intervention impacts of trust and commitment of employees on the connection between CSR behaviours and CR. Therefore, the conceptual framework based on a thorough literature analysis anticipated that trust and commitment among employees may be built through the CSR practices of a company, which may contribute to the growth of the CR of the firm. Originality/value: This empirical study will provide a more in-depth understanding, through practical implementation, for primarily private banking in India. All of these things set this study apart from similar empirical investigations done in the United States and Europe in the past. To sum up, this empirical study will provide more understanding through actual application, mostly for private banking in India. Keywords: Enterprise risk management, Corporate Reputation, Organizational Commitment, CSR, Trust Paper type: Research paper

Sustainability and Bank Capital, A Study of Indian Private Banks

Banks’ lending business being risk based must be supported by adequate quantum of capital to ensure sustainability, soundness and resilience of the bank. The Basel Committee on Banking Supervision announced in 1988, a set of capital norms for banks to observe in order to reinforce their financial stability and soundness when struck by potential losses from deterioration of asset quality. This was known as Basel I. For the purpose of capital adequacy, capital has been sub divided into Common Equity Tier 1, Additional Tier1 and Tier 2 capital. Capital Adequacy, on this basis, has also been classified based on component of capital. The study reveals that all the new private sector banks are deeply conscious of the sustainability of their capital from the stand point of their operations and risk profile of assets. As a good strategy, they have been gradually building on their capital funds in consonance with their business growth. A sensitivity analysis of capital sustainability shows that even 10% escalation in risk weighted assets will not impair the capital adequacy significantly as the ratio will continue to be well above the benchmark ratio of 9 %. The role of Indian bank regulator is laudable in this regard as it has been studiously inspecting capital ratios of banks both by on site and off site appraisal of banks.

Data Analytical Approach for Evaluating Locus of Control among Private Banks Employees

Private Banks in India, are owned by individuals or group of limited individual and not by government. Here in India, private banks represent that most of the part of equity or shares are hold by private shares holders and not by government. The locus of control is reflected in terms of the particular degree upto which the private shares holders or the bank employee’s belief that they have power over their private banking events. This research study aims to find out locus of control among bank employees with special reference to private banks based on gender difference as well as two dimensions of locus of control viz. external and internal. Survey method was adopted for this study which covers four private banks within the Nagpur city. Sample size of 200 bank employees consists of bank managers, cashiers, clerks accountant were provided with an online Google form questionnaire. The questionnaire consists of seven questions related to their work, job satisfaction, colleagues clients etc. Initially Cronbach’s alpha test using pilot survey on 50 pre samples of bank employees was used to determine the internal consistency of data model. As second step Explorative statistics gave the trends among the bank employees towards the seven questions. The Descriptive statistics then quantitatively describes the features from a collection of information that can reveal the influence towards the three hypotheses under consideration. Lastly the Inferential statistics based two groups of genders interpret the facts as to accept or reject the three hypotheses under consideration. The study concludes the pro and cons and the prime factors which leads towards the external and internal locus of control among the employees.

A COMPARATIVE STUDY OF CSR SPENDING & CSR REPORTING PRACTICES OF SELECTED BANKS IN INDIA

This paper seeks to identify the Corporate Social Responsibility (CSR) practices adopted by the selected dominant Indian Public Banks, Indian Private Banks & Foreign Banks Operating in India. One on hand of the research analysis, is the Banking Sector – a dominant service industry in India, that contributes considerably towards India’s growth by maintaining the equilibrium in the financial ecosystem, and on the other side of the research, is the contemporary concept of CSR, where the society, government and corporates have joint interest and leverage. And therefore, it will be quite interesting to review the CSR practices adopted by Banking Sector. In the present study, the researcher analyzes & compares the CSR practices adopted by the sample Banks with respect to CSR Spending and CSR Reporting patterns. Further, it is endeavored to determine the most preferred and most neglected CSR areas by the sample banks. And thereby some suggestions are presented to improve the CSR practices to better serve the society and fulfill the CSR legal obligations as per the Companies Act, 2013. The results of the study confirm that Indian Private Banks are the most compliant towards CSR spending & Reporting and the most preferred CSR areas are regular CSR areas of: Healthcare, Education, Environmental Sustainability etc., and most neglected CSR areas are also continuously same: Contributions to Technology Incubators, Slum Development Projects etc.

UNLEASHING THE EFFICACY OF AI FOR SMART BANKING: A DEMOGRAPHIC SURVEY OF INDIAN PRIVATE BANKS

UNLEASHING THE EFFICACY OF AI FOR SMART BANKING: A DEMOGRAPHIC SURVEY OF INDIAN PRIVATE BANKS

Cost mitigation impact and measurement material in outsourcing HR functions in Indian banks

Human resource management is an important operation in banking organizations. In private banks of India, employees are recruited through human resource managers. However, many banks do not give importance on making HR management as a department. They outsource recruitment process to third party HR management organizations. This outsourcing material process is applied to reduce operational requirements and management activities. This is because; banks mainly give importance on accounting operations. In Indian private banks, recruitment process is not followed as Government banks. This is mainly because; Government banks in India recruit employees through all India examinations that are given by millions of candidates. It is a long-term process. On the other hand, private banks usually hire candidates through their own recruitment systems or by notifying some third-party HR management companies to hire candidates for them. However, the question is that if the material outsourcing process of HR management in private Indian bank does help in cost mitigation or not. The main intention of outsourcing HR activities for Indian private banks is to mitigate cost of recruitment and human resource management. However, it is also necessary to measure the impact of cost mitigation strategies and to measure the impact. In this process, there are many techniques that private banks of India can use. The aim of this article is to evaluate the HR management outsourcing strategies of private banks of India. The next process will be to evaluate the process to evaluate impact of cost mitigation strategies and to measure the impact. Lastly, some recommendations for the banks will be highlighted that will be based on evaluating the strategies that they can implement to make the outsourcing activities more effective and beneficial.

An Investigation on the Dimensionality and Structure of Service Quality in Private Banks of South Odisha

The success of any organization is measured in its ability to quickly respond to market changes with more efficient satisfaction and customer retention. The subject “quality” is nowadays, in a globalized world, one of the key concerns of businessmen to face the competition on industries and service areas. Financial groups are measuring no efforts to achieve quality excellence, starting by customer services and relationship. When the expression “Quality” is used, we usually think in terms of an excellent product or service that fulfills or exceeds our expectations. These expectations are based on the intended use and the selling price. Products are determined by its quality. Hence based on observation it is considered elusive. Quality can be quantified as Q = P/E. Where Q = Quality, P = Performance and E = Expectations. Quality is a complex phenomenon based on perceptions by individuals with different perspectives on products and services. These perceptions have been built up through the past experience of individuals and consumption in various contexts. Indian banking sector opened its doors to private and international players after the economic liberalization in 1991. It has been almost 2 decades of operation of the private banks in India. Much has evolved in the overall structure of banking during this time but have the private banks delivered the type of quality that the customers expect them to. This research is an effort to evaluate the service quality of the private banks in Southern parts of Odisha of the country India. The study is based on primary data collected in the cities of South Odisha through a structured questionnaire designed on the basis of SERVQUAL Model. The banks under study are the five top private banks from South Odisha region. The study has found that none of the banks have been able to meet the customer expectations and are still dwelling on the ‘zone of pain’. The research is very useful for managers, policymakers, implementers as well as academicians. The research provides implications for managers as well as policy makers to understand the customer expectations in India. It can be a guideline for a bigger role for the BCSBI (Banking Codes and Standard Board of India). Implications for future research are also discussed. The novelty of the research lies in the context that no effort has been made so far to effect research on sector specific contribution of banks. There is also very little literature available to identify the need-service gap in this area. The study adds value to the knowledge in the field of banking service quality for development and also opens new areas of research.

Business segment diversification of private banks in India

Business segment diversification of private banks in India

Evaluating the Linkage Uniting HR System and Competitive Advantage Status in Private Banks

Indian Private banking sector is growing at the swift rate thus contributing large to the GDP of the country. Banking system is the backbone of any economic ecosystem. In Indian banking sector count of private banks has increased much in recent times giving consumer more choices to switch in case they feel unsatisfied with the service quality, so it is more challenging to retain customers. In service industry HR management needs to revamp so as to sustain in the competitive and dynamic era as it has emerged as one of the key differentiator over the years to influence competitiveness of banks in India. In this era of knowledge based economy we have to realise the strategic role of human resources to gain competitive advantage. This paper attempts to analyse the contemporary level of HR System and Competitive Advantage in private banks of India and further, examines the relationship between the two and thus the effect of HRS on CA Status. Random sampling technique was used to collect data from 234 respondents of three leading private banks. The findings suggested that focusing on the HR functions and practices banks can survive in this competitive environment and can gain sustainable competitive advantage.