Private Sector Banks In India Research Articles

Study on Comparative Analysis of Rising Non Performing Assets of Bank of Maharashtra and ICICI Bank

The banking industry plays a crucial role in the financial and economic growth of a country. A well-functioning banking sector acts as a catalyst in achieving rapid economic development by providing a stable financial system, mobilizing savings, channeling funds to productive sectors, facilitating transactions, and supporting monetary policy. However, one challenge that banks face is the issue of Non-Performing Assets (NPA), which refers to loans that are not repaid by borrowers as per the agreed terms. In conclusion, high levels of NPAs can have several limitations on the banking sector and the economy, including reduced incomes, unrecoverable principal amounts, negative indicators, operational inefficiency, political interference, and constraints on financing for certain sectors. Effective management of NPAs is crucial for maintaining a healthy banking sector and supporting sustainable economic growth. The present comparative study is aim to know NPAs of Bank of Maharashtra(BOM) and ICICI bank the study applied quantitative research method. In this paper, the NPAs of public and private sector banks in India has been compared over a period of last five financial years. It has been observed that the percentage of net NPAs to net advances in public sector banks is varied between 3.1-0.9. In case of private sector banks, it varied between 2.4-0.4. The collected data is analyzed using descriptive analysis, chi square test, etc. This study also identifies the cause of the increasing non-performing assets in the banks and a few suggestions.

A Study on Profitability Performance of Selected Private Sector Banks in India

The objective of this research was to investigate the profitability of a few Indian banks that operate in the private sector. based on the results of profitability ratios such the EPS ratio, net profit ratio, dividend per share ratio, ROA ratio, and ROE ratio. Profitability is a metric for efficiency and control; it represents the effectiveness or efficiency with which a company's operations are carried out. The most crucial indicator of a company's success is its ability to generate profits, whether that means tracking past profits or predicting future ones. A non-profitable company cannot survive. On the other hand, a very lucrative company might provide its owners with a significant return on their investment. One of the most essential functions of business managers is boosting profitability. Managers are always looking for ways to boost profitability within the company. Income statements and balance sheets can be used to analyse these prospective changes.

Consequence of Financial Crisis on Liquidity and Profitability of Commercial Banks in India: An Empirical Study

In this paper we attempted to investigate impact of Financial Crisis on liquidity and profitability of public and private sector banks in India. Liquidity and profitability are two important parameters among many variables on which strength of banking systems depends. In order to accomplish this study, we have considered from year 2005 to 2018 and empirical evidences were drawn using descriptive statistics, correlation matrix and panel regression model. Mean ROA indicates low profitability for sample banks throughout the period of with substantial variations among banks. The result of correlation indicates that no two variables are highly correlated. ROA is negatively correlated with all the determinants except capital adequacy ratio (CAR) whereas; liquidity is positively correlated with all the determinants except efficiency and bank size. There is an insignificant positive impact of crisis on banks’ profitability and significant positive impact on liquidity. The positive association of liquidity with financial crisis indicating favorable and sound position of banks. The ownership structure indicates public banks are sound in maintaining their liquidity and private banks in earning capabilities during financial crisis.

A Study on Risk and Return Analysis of Selected Private Sector Banks in India

The study examines determinants of risk and growth for five commercial banks in the period 2018-2022. A bank's growth depends on its profitability and other variables of size, asset type, financial structure, earnings dispersion and other independent variables. This paper presents a portion that quantifies how internal determinants and external factors contribute to the performance of selected private Indian banks. Finally, size and asset structure are two variables that show significant correlations with bank profitability.

TECHNOLOGY AND ITS IMPACT ON THE PROFITABILITY WITH REFERENCE TO INDIAN BANKS

In the present changing scenario, the banking industry has heavily invested in information and communication technology. With the increase in investment in innovative technologies, the challenge related to misbalance in a bank’s business operations and its reputation has been raised Therefore, it’s requisite for banks to outlay technology in a way to assure productivity of banks. The present study explores the impact of technology on public and private sector banks in India. Using the variables (Net Interest Margin; Return on Assets; Cost of Deposit; Return on Investment and Credit Deposits Ratio) of six public and private sector banks for the last ten years between 2012-2021, the study finds that investment in technology has resulted in enhancement of profitability of public sector banks. The study is carried out using SPSS Software. The research findings provide insight to the bank management to pay more attention to the employment of innovative technologies to ensure greater efficiency and improved performance.

Investigating the Impact of Intellectual Capital on the Sustainable Financial Performance of Private Sector Banks in India

The study aims to investigate the impact of intellectual capital (I.C) on the sustainable financial performance (F.P) of private sector banks (PSBs) in India. Data were gathered from 17 banks between 2010 and 2021 using Prowessiq (CMIE) and their annual financial reports. To evaluate the ways in which intellectual capital (I.C) affects sustainable financial performance (F.P), the modified value-added intellectual coefficient (MVAIC) methodology was applied. The human capital (HC), capital employed (CE), structural capital (SC), and relational capital (RC) were utilized as independent factors together with three control variables (leverage, size, and GDP), the return on capital employed (ROCE), and return on equity (ROE), which were used as dependent variables. The results show that RC and SC have a clear, statistically significant relationship with ROCE. Additionally, HC and CE have a direct positive and statistically significant effect on ROE. Overall, all of the I.C. components have significant impacts in increasing the efficiency and profitability of Indian private sector banks. Furthermore, the total intellectual capital (MVAIC) exhibits a statistically significant negative association with ROE but a substantial positive association with ROCE. It is advised that policymakers and managers focus more on the various I.C components because they are the key engines generating value for the banks in order to preserve a more sustainable F.P.

Examining and Analyzing the Determinants of Non Performing Assets in Public and Private Sector Banks in India

Examining and Analyzing the Determinants of Non Performing Assets in Public and Private Sector Banks in India

Examining and analysing the determinants of non-performing assets in public and private sector banks in India

Examining and analysing the determinants of non-performing assets in public and private sector banks in India

A Study on Financial Performance of Selected Private Sector Banks in India- A Camel Approach

Indian banking sector is invariably presumed to be one of the most important systems in the economy. Banking sectors are considered as the life blood of the Indian economy as they play an important and vital role in the economic activities. This study examines the overall performance of selected private sector banks using capital adequacy, asset quality, management effectiveness, earnings quality and liquidity level (CAMEL approach) over the period 2013-2022. Although profitability indicators (such as return on assets, return on equity and net profit margin) present the performance of selected private sector banks, it would be more appropriate to use the CAMEL Approach as a tool to assess overall performance. Because the performance of banks does not only depend on the level of NPAs or profitability, it is primarily based on various dimensions. To consider this point of view, the researchers adopted the CAMEL approach for this study to evaluate the overall financial performance of selected private sector banks.

Influence of emotional intelligence on employees’ performance at work: An evidence from Indian banks

Emotional intelligence helps to resolve conflict in private and public institutions. Studies have found that increased emotional intelligence enhances performance and increases professionalism in the workforce. Given the massive growth in private sector banks in India, investment in the emotional intelligence of the workforce may improve service delivery and satisfaction of the customers. Using an empirical dataset, this study investigates how EI influences the work performance of private sector bank employees in India. The correlation between increased workplace performance and emotional intelligence is supported by regression analysis. Findings suggest that in scaled up settings, Indian banks can minimise conflicts, reduce costs, and improve service delivery by training their staff in EI.

Prioritizing the Financial Performance of Indian private sector banks by a hybrid MCDM Approach

Prioritizing the Financial Performance of Indian private sector banks by a hybrid MCDM Approach

Sustainability of Financial Soundness of Banks: An Evidence Form Public and Private Sector Banks

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.

The prolonged movement of non-performing assets in both Indian public and private sector banks: A pragmatic assessment

The failure of the financial system pulls down the business and country’s economy when it is experienced in the case of banks. A good performance of the banking system upholds the nation’s goodwill and economy. Banking activities indulge in lending activities, but the challenge of credit risk sustains with the banks unwantedly which leads to the rising of non-performing assets (NPA). The present study encounters the responses by the bankers of both private and public banks regarding the sky touching rise of NPAs to highlight the significant responsibility for the unwanted rise and identify the similarity of responses by both types of banks. The consequence is significantly true for both types of banks as they agree to the responses for the NPAs that are slowly rising and further, the study confirms that the major stake for NPAs is due to the lending of funds to agricultural and industrial sectors and with the highest credit burden owing by the governments’ organization.

A comparative study of non-performing assets (NPAs) of selected public and private sector banks in India

A comparative study of non-performing assets (NPAs) of selected public and private sector banks in India

"A Study Of Work-Life Balance And Its Impact On Employees In SBI And ICICI Bank"

Over the last few years, life has changed for everyone. The COVID-19 pandemic has taken many lives, changed working patterns, and introduced a new normal in our lives. The new normal has introduced work from home, social distancing, alternate working hours, and much more. Employees’ expectations of their job have been changed. The mindset of family life after retirement has perished. Uncertainty of life has suggested that family life is as important as a career. People now don’t look for jobs that are high paying but they are seeking a balance. The present study is an effort to understand the work-life balance among bank employees. Researchers have surveyed SBI and ICICI employees to know their work-life balance status among them. The present study finds the contemporary work-life balance in public and private sector banks in India. The finding of the research suggests that work-life balance is not so good among bank employees. Though there are some advantages in public sector banks and a few others in private sector banks overall employees need reform at both ends.

Comparative Study of Non-Performing Assets (NPAs) in Selected Public and Private Sector Banks in India

Comparative Study of Non-Performing Assets (NPAs) in Selected Public and Private Sector Banks in India

Determinants and Consequences of Customer Satisfaction in Indian Retail Banks: Moderation of Bank Reputation

The entry of private sector banks in the Indian market has compelled all the banks to determine the drivers of customer satisfaction (CS). This research aims to assess the drivers of CS and its implications in the Indian retail banking (IRB) sector. The top six Indian private sector banks were chosen according to market capitalization. A standardized questionnaire was used to gather responses from IRB customers and then evaluated using structural equation modelling (SEM). Five factors of CS are identified in the study, viz. effective complaint handling (ECH), service convenience (SC), perceived fairness (PF), perceived market performance (PMP) and relationship commitment (RC). The results unveil that SC and RC have a strong positive influence on CS, which further augments customer word of mouth (WoM) and repurchase intention (RI). In addition, bank reputation (BR) moderates the model’s relationship between CS and its consequences. Considering only private sector banks may limit the generalization of findings to a certain extent. The study presents vital enablers that escalate CS and might help bank professionals to identify thrust areas. There is a shortage of research on ‘BR’ and ‘RC’ in India’s context of the banking sector. Therefore, the research adds to the current literature by including the components mentioned above and other essential determinants and consequences. Furthermore, the study accentuates the complexities of relationships among the determinants and consequences of CS through a meticulous conceptual model of an IRB sector.

Cost and Productivity of Employees in Commercial Banks of India: A Comparative Study of State Bank of India and HDFC Bank Limited

The Public sector and private sector banks in India have evolved in terms of productivity and performance since its inception, immensely contributing to the economy. These banks have become an undivided part of the entire banking industry of the country. State Bank of India, as the market leader in the public sector bank and HDFC Bank Limited as the fastest growing leading private sector bank is competitively challenging each other developing healthy business environment. Using their own strength and weakness both the banks are functioning with an objective of providing seamless, fast and safe financial services to the citizens of the country. Banking is the mental labour-based industry, as it is completely depending upon the cost and the productivity of its employees. The research paper attempts to compare the cost and productivity of the employees of these two banks (as a representative from public and private sector banks) for which the data of last ten financial years have been taken as a appropriate sample for the study. Various parameters and ratios with proper analysis and interpretation have been highlighted to measure the cost and productivity of the employees of the respective banks. The data collected also enable the researchers to find out the variation between the employees cost and productivity of these banks.

A Study on Growth and Development of E-Banking Services of Selected Private Sector Banks in India

The banking industry has always been essential to any economy, particularly developing economies. With the emergence of new advances and technical improvements, this sector has changed from its traditional form to e-banking. The objective of this paper is to e-banking services of selected private sector banks in India. The study is based on secondary data only. The secondary data is collected from RBI Website. The study has considered 05 private sector banks in India. The time period of the study is 10 years starting from 2011-12 to 2020-21. To measure the E-Banking services different services namely ATM, POS, Debit card, Credit card, NEFT inward, NEFT Outward, RTGS Inward, RTGS Outward, and Mobile transactions have been taken for the analysis. The researcher has calculated E-banking services, Growth of E-Banking services and One-Way ANOVA test has been applied to examine the significant difference with the help of Microsoft Excel and SPSS-20 version. As per One-way ANOVA test result, there is a significant difference in E-banking services of selected private sector banks found by the study. However, there is a significant difference found in the Growth of debit cards, NEFT service, and RTGS service and an insignificant difference found in Growth of ATM service, POS service, Credit card service, and Mobile service of selected private sector banks.

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

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.