Selected Public Sector Banks Research Articles

Performance Assessment of Selected Public Sector Banks in India: A Balanced Scorecard Analysis

This study examines the performance of selected Indian public sector banks — State Bank of India (SBI), Bank of Baroda (BOB), Canara Bank, Union Bank of India, and United Commercial Bank (UCO Bank) — using the Balanced Scorecard (BSC) framework. The BSC assesses banks across four perspectives: Financial, Customer, Internal Business Process, and Learning & Growth. Each perspective provides insights into a bank’s strategic strengths and areas for improvement. Results indicate that financial stability is well-maintained, though variations in customer engagement and internal processes suggest opportunities for operational enhancement

Role of Emotional Intelligence on Employee Performance in Selected Public Sector Banks in Madhya Pradesh State (Jabalpur Region)

In the wake of a seemingly rigorous recruitment process in the banking industry, where candidates' intelligence level appears to be more important than their emotional state, this study investigated how employees' emotional intelligence is related with job performance in selected banks in Madhya Pradesh state. Emotional intelligence was categorized by empathy, while employee performance was categorized by employee turnover. This study used a correlational research design. Three banks from the state of Madhya Pradesh have been selected for coverage. Pearson's Product Moment Correlation Coefficient was used for data analysis. The results revealed that empathy has a strong negative relationship with employee turnover. It is recommended that management implement policies that both ensure the employment of emotionally intelligent employees and create opportunities within the organization that improve employee relations and employee performance to reduce employee turnover.

Corporate Governance Practices of Commercial Banks: An Investigation in Select Public Sector Banks in India

Corporate Governance Practices of Commercial Banks: An Investigation in Select Public Sector Banks in India

Customers’ Satisfaction On Digital Banking System With Reference To Select Public Sector Banks In Karnataka

Digital banking is one of the most significant innovations in the banking industry that has been around for a long time. While there are many benefits that consumers get from using online banking, there are also some major challenges and challenges that marketers in the online banking industry face. The main challenges that internet banking marketers need to overcome in order to succeed in this industry are low marketing budgets, traditional bank behavior, security, technological issues, and transaction issues. As the years have passed by, digital banking has become more and more popular in the banking industry. Nowadays, the concept of digital banking is accepted in the world and it has gained popularity as a way of doing business. The unstoppable power of digital technology is transforming the financial services industry. This study seeks to identify the differences in problems faced by clients of different public sector banks when using digital banking services. 600 participants were randomly selected from those who had access to digital banking in Karnataka, and the primary data collected through a questionnaire was used as the basis for the analysis. The data was then interpreted using Statistical Processes Statistics (SPSS) and chi-square analysis, as well as a t-test.

A Study on Financial Performance of Selected Public Sector Banks

Public sector banks are those in which the government holds more than 50% of the total stock. The government formulates all the financial guidelines for public sector banks. The public sector banks operate under the government to inspire trust in the depositors that their money is safe. The aim of the study is to find out the financial performance of selected Public Sector Banks using ratio analysis. Tools used for the study Mean, F-test or ANOVA (Analysis of Variances). Conclusion of the study Public sector banks want to increase the management capability to increase the profits,ROE, EPS, ROI and to increase the efficiency of banks.

A study on non-performing assets in select public sector banks in India

A study on non-performing assets in select public sector banks in India

Exploring Interrelationships among Employee Engagement, Job Satisfaction, and Loyalty: A Comparative Analysis Across Selected Public Sector Banks in the Post-Merger Period.

Exploring Interrelationships among Employee Engagement, Job Satisfaction, and Loyalty: A Comparative Analysis Across Selected Public Sector Banks in the Post-Merger Period.

Financial Performance of Indian Public Sector Banks Before and During COVID-19 Pandemic

Purpose: The present study aims to examine the financial performance before and during the COVID-19 pandemic with respect to profitability ratios, liquidity ratios, solvency ratios and economic value added (EVA) of select Indian public sector banks listed in the Bombay Stock Exchange (BSE). Design/Methodology/Approach: In total, 12 public sector banks listed on the BSE were chosen for the analysis, which spans the years 2018–2019 to 2019–2020. Financial statements and monthly closing prices of public sector banks are the data that were gathered for this study. The tools used in this study are as follows: (1) EVA, (2) financial ratios, (3) descriptive statistics, (4) Shapiro–Wilk normality test and (5) paired samples t-test. Findings of the study are as follows: The empirical findings of the study revealed that the COVID-19 pandemic has a negative effect on earnings per share, net profit ratio, return on capital employed, return on asset and return on equity and a positive effect on current ratio, debt to equity ratio and EVA of select public sector banks. Research Limitations/Implications: The findings of this study provide several avenues for more research. As one of the research ramifications, future researchers would need to explain discrepancies in the statistical findings of various academics in the finance field. Social Implications: As the expansion of the banking industry is correlated with India’s economic growth, developing nations like India rely on the accuracy of the information. With the information provided, the COVID-19 pandemic has a negative effect on profitability variables and positive effect on liquidity, solvency and shareholder’s wealth creation variables, so that it has no serious harmful consequences on the economy in respect to profitability position of select banks. Originality/Value: The study is conducted on the financial performance before and during the COVID-19 pandemic with respect to profitability ratios, liquidity ratios, solvency ratios and EVA of select Indian public sector banks listed in BSE and also highlighted how banks adapted the pandemic situation, which is a new phenomenon.

Impact of Mergers and Acquisition On Performance of Select Public Sector Banks in India

The Banking sector has been seen ongoing mergers & amalgamation in recent years. The Reserve Bank of India (RBI), the Central Government can create a scheme for the amalgamation of any nationalized bank with any other nationalized bank or banking sector in accordance with the banking companies Acts 1970 and 1980 (Acquisition and Transfer of undertaking). The banking industry has been experiencing major Merger and Acquisition in the recent years, with the number of global players emerging through successive Merger and Acquisition in the banking sectors. Only in today’s tough environment will large organizations thrive. Government banks are in bad condition following demonetization. A lot of government banks have incurred huge losses owing to bad loans, which the lenders have not been willing to recover because they have ruined their company due to a range of factors, including demonetization. The above study shows the impact of merger and acquisition on selected banks like Vijaya Bank, Dena Bank merge with Bank Of Baroda, Oriental Bank of Commerce and United Bank of India merged into Punjab National Bank, Syndicate Bank merged with Canara Bank, Andhra Bank and Corporation Bank merged with Union Bank Of India and Allahabad Bank merged with Indian Bank

A Comparative Study of Liquidity Management of Selected Public Sector Banks and Private Sector Banks in India

The services your bank provides to its business clients—known as liquidity management—enable them to take advantage of the interest on their checking and current accounts and pool money from several accounts. As a result, your corporate clients may effectively manage the daily liquidity of their companies. The paper compares and contrasts the liquidity management strategies of a few Indian banks from the public and private sectors. Five public sector banks—Punjab National Bank, Bank of India, Bank of Baroda, Union Bank of India, and State Bank India—and five private sector banks—ICICI, HDFC, AXIS, IDBI, and Kotak Mahindra Bank—have been taken for consideration during the 5-year period between 2018–19 and 2022– 2023. Comparisons of the liquidity management of public and private sector banks have been made using the Cash-Deposit Ratio (CDR), Investment-Deposit Ratio (IDR), and Credit-Deposit Ratio (CRDR). Keywords: liquidity Management, Public sector banks, private sector Banks, Cash-deposit ratio, investment deposit ratio, credit Deposit Ratio.

Comparison of Non-Performing Assets: A Study of Selected Public Sector Banks of India

Comparison of Non-Performing Assets: A Study of Selected Public Sector Banks of India

A Clinical Study on Green Banking Initiatives in India With Special Reference to Select Public Sector Banks

Following the global footsteps, the COVID 19 pandemic encouraged the adoption of e- banking practices, as a part of green initiatives. In this perspective, green banking practices have become very significant in public and private sector banks. Public sector banks account for roughly 70 per cent of the total deposits in India. In this article, an attempt has been made to study the present scenario of green banking in India with special reference to select public sector banks. Green banking along with active participation of all the related stakeholders could help in reviving the pandemic-stricken Indian economy, keeping the sustainability goals intact.

A study on privatization of banks in india

The Banking Regulation Act, 1949 defines “Banking “;as “the means of accepting, for the purpose of lending or investment of deposits of money from the public repayable on demand or otherwise. It also defines “Banking Company” as any company which transaction business. Banking is entirely different and distinctive from any other business institution. It is made up of common man's deposits. The decision to privatize banks is taken after 51 years of independence. The first time the nationalization of banks happened in 1969. The responsibility to select Public Sector Banks to be privatized in the FY2021–22 was given to NITI Aayog. Central Bank and the Indian Overseas Bank are the foremost choices for privatization. The two departments: Department of Financial Services (DFS) and the Department of Investment and Public Asset Management (DIPAM) will scrutinize and decide which bank will be privatized. Finance Minister Mrs. Nirmala Sitharaman said in her 2021–22 Budget Speech that in 2021-22-year the government will privatize two banks. The paper tries to find the reason for the Privatization of banks, why only few banks are going to be privatized, the effect of post-Privatization, challenges in the way of its implementation.

EMPLOYEE JOB SATISFACTION THROUGH WORKING CONDITIONS (A STUDY WITH REFERENCE TO SELECT PUBLIC SECTOR BANKS IN THE COASTAL REGION OF ANDHRA PRADESH)

Job satisfaction is a complex concept that is influenced by many factors. The aim of this paper is to analyze the impact of working conditions to job satisfaction. For that purpose, the empirical research has been conducted in select banks. The study has analyzed the various reasons for choosing select public sector banks among the various banks, the working condition of the select bank employees with the level of job satisfaction among the various group of respondents. The study has tested the with the help of Percentage analysis, Chi-square, ANOVA, and Multiple Regression. All the chi-square, ANOVA, and Multiple Regression tested at 5% level of significance. This paper is focused on the observation of the importance of working conditions to employees’ job satisfaction KEYWORDS: Employees, Banks, Working Conditions, Job Satisfaction, Need, Objectives, Methodology, Analysis, Findings and Suggestions.

Examine the Customer Relationship Management [Crm] in the Selected Public Sector Banks

In today's cutthroat business climate, customer service must be personable if it is to succeed. To successfully attract and keep customers in the long term, service industries need to have a wide range of cutting-edge offerings. Banks in the public sector exist to serve the populace as a whole, regardless of factors such as demographics, sexual orientation, political affiliation, educational attainment, or employment status. Everyone, even the elderly, pays the same interest rate. As a result, maintaining cordial and cooperative ties with all clientele is essential. Although public sector banks in rural regions stick to tried-and-true methods of customer relationship management, those in urban centers use a wide range of novel approaches. The rise of discerning consumers has been facilitated by liberalization, privatization, and globalization, giving rise to customer-focused marketing. Both acquiring new consumers and keeping the ones you already have may be difficult for marketers. Experts in marketing are always thinking of new ways to identify customers' evolving wants and requirements and meet them. Marketers and academics are increasingly interested in customer relationship management as a means to actively involve consumers in products and services. Client relationship management in the banking industry requires constant focus in order to reduce customer churn, foster the acquisition of new clients, and increase transaction volumes.

Examining the off Balance Sheet Exposure and Efficiency of Indian Commercial Banks – A DEA Approach

The study examined the exposure and efficiency of select public and private sector banks towards off balance sheet items byapplying Data Envelopment Analysis (DEA) on the key financial performance ratios of banks. The study covered a period of 5years ranging from 2013 to 2017 and conducted a year wise analysis. The study selected 20 different type of variables (financialvariables) for building Input –Output Model to test DEA for examining efficiency. These variables are acting as proxy variablesfor indicating the effect of Off balance sheet exposures on the financial health of the business. These variables are extracted fromthe financial statements of respective banks on a year on year basis and required adjustments are done. The study investigated theOff balance sheet exposures in the areas of Foreign Exchange Transactions, Guarantees, Acceptance and Endorsements etc., Theproxy variables, so identified for the study are employed for understanding various efficiencies of banks like scale efficienciesinvolve Constant Returns to Scale (CRS), Variable Returns to Scale (VRS) and average efficiencies like Technical Efficiency(TE), Cost Efficiency (CE), Allocative Efficiency (AE). The study find out that throughout the study period, the select banksexhibited constant returns to scale, except CUB and AXIS Bank in the first year of study (2013) displayed increasing returns toscale due to heavy exposures. In the category of efficiency parameters, AXIS Bank and CUB are displaying lower efficiencies inthe segment of private sector banks and Andhra Bank and OBC exhibiting lower efficiencies in the segment of public sectorbanks. Here lower efficiencies with references to cost savings aspects and output generation, this may be due to their scale ofoperations in the industry. The study concluded that large banks are exhibiting highest efficiencies than compared to small banksoperating in the industry. This is definitely an area for further research to the industry and researchers to examine the direct effectof Off balance sheet transactions (IFRS amendments in this direction only), so that credit risk can be reduced considerably in thebusiness. So that business houses can take up calculated risk in the international markets.

English

English

Comparison of Selected Public Sector Banks in Different Aspects by using CAGR Method

Banking sector has a vital role in Indian economy and a great change came in it after nationalization. Nationwide, there are a number of branches of banks and financial institutions have opened. Presently banking sector is facing a high level competition. Banks or financial Institutions which have maximum profit are showing maximum growth rate. By optimization of the resources of banks, cost becomes minimum and profit becomes maximum. This manuscript is an effort to make a comparative study between SBI, PNB and OBC for total income, expenses, net profit, share capital, operating expenses, share holder funds, total reserves, earning per share, total liabilities, total assets and total investments from 2014-19. Year over Year (YOY) and Compound annual growth rate (CAGR) analytical methods are used. The main parameter of this study belongs to P&L and Balance-Sheet statement of the selected banks. This research paper will be very fruitful for banks, research scholars, investors (public), and society to understand about the above given parameters.

Customers Perception towards Security and Privacy Issues of ATMs in Selected Public Sector Banks with Special Reference to Ramanathapuram District

The ongoing advancements in Indian financial innovation have changed banking from the customary framework towards a progressively comprehensive one fusing the premiums of clients, the bank and nature. These days, banking tasks can be brought out through different financial conveyance channels from the bank offices. ATM is the most mainstream banking conveyance channel and the phenomenal achievement of ATMs had made the financial division fearless to grow increasingly imaginative elective conveyance channels such as Internet banking, mobile banking, Green channel counters, kiosk banking, credit card, debit card, online bill payment services etc. But in today's era of banking operation, identity theft, password protection is no longer adequate to guard your personal information. The paper mainly focuses on customers perception towards security and privacy issues of ATM’S in selected public sector banks with special reference to Ramanathapuram District. A Multi stage sampling method was used to select the banks and convenience sampling method has been adopted to select the respondents to collect data from 250 respondents by using a structured interview schedule. The result of the study shows that there may be deduction charges in ATMs is most influencing factor in security issues.

A Study of Gross and Net Non-Performing Assets of Select Public Sector Banks in India for the Period 2007-2008 to 2017-2018

The Non-Performing Assets (NPAs) are considered as one of the important parameters for anlysing the health of the Indian Banks. The Authors have taken a look at the Literature Reviews related to the non-performing assets related studies looked into by other Research Scholars. The authors in this research study has made an attempt to study the secondary data related to Gross and Net Non-Performing Assets or Loans of select Banks in India, which is available in the public domain of the regulators of Indian Banks i.e. Reserve Bank of India (RBI) from April 2007 to March 2018 and has performed the ABC analysis as per cumulative (decreasing method) to study the performance and the management and governance of those Banks. Finally, the authors conclude that some of the select Indian Banks taken for study appear in the various Groups formulated for study i.e. Group A (Poor Performance), Group B (Satisfactory Performance) and Group C (Good Performance) are thus a matter of great concern to the economy of the country.