Selected Private Sector Banks Research Articles

Impact of Digitalisation on Satisfaction of Employees in Private Sector Banks in Haryana

The study’s main purpose is to measure the impact of digitalisation on employee job satisfaction in select private-sector banks in Haryana. For the present study, data have been acquired both from primary and secondary sources. The regression analysis technique is used to obtain the objectives of the study. The study's key findings exhibited that all factors of digitalisation covered in this study are positively and significantly associated with employee job satisfaction The study and survey are confined to two private banks out of twenty-one private banks in Haryana (India).

Financial performance of Banks in India: A study of selected private sector Banks

Financial performance of Banks in India: A study of selected private sector Banks

"Towards a Sustainable Banking: A Study of Environmental Sustai ability Practices Adopted by Selected Private Sector Banks"

"Towards a Sustainable Banking: A Study of Environmental Sustai ability Practices Adopted by Selected Private Sector Banks"

EVALUATING THE IMPACT OF CAMEL RATIOS ON THE EFFICIENCY OF SELECTED INDIAN BANKS

The downfall of banks and financial institutions and the freezing of capital markets during the global financial crisis of 2007–2009 had a significant influence on the actual economy across the world. This crisis has made it apparent how crucial stability risk is and has emphasized the significance of performance evaluation. For the policy formulation and framing of strategies, it is essential to identify the sound and weaker aspects of the banks. Various ratios based models have been developed for the analyses of the banking sector, which helps in identification of strength and weakness of the banks. This study makes use of the CAMEL Model to analyze the different aspects of performance and soundness as well as the impact of the CAMEL ratios contributing to the efficiency of the selected public and private sector banks for the period of 17 years from 2005-2006 to 2021-2022. Based on the composite rating of the CAMEL Models, It has been found that HDFC bank Ltd. shows excellent performance. The study concluded that In order to be more efficient, selected public sector banks should concentrate on the value of NPAs and Liquidity and at the same time, these banks should pay attention to the Earnings Quality but not by compromising the efficiency of earnings while the selected Private sector banks should take proper steps to improve the operating profit, net profit, total interest income and net interest margin for becoming more efficient.

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.

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.

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.

Profitability Analysis of Selected Private Sector Banks

The fundamental objective of this study is to acquire an understanding of the profitability of the many private sector banks that were selected for the purpose of investigation. A lottery was used as the fundamental method of random sampling for the purpose of this inquiry. The sample unit for this investigation will consist of five banks that were chosen by the researcher. The investigation will take place over the course of a period of five calendar years, commencing in 2017 and concluding in 2021. The researcher made use of a variety of accounting techniques, such as profitability ratios, as well as statistical methods, such as one-way analysis of variance; the findings are discussed further down in this section.

CUSTOMER SATISFACTION ON VARIOUS SERVICES OFFERED BY SELECTED PRIVATE SECTOR BANKS IN ERODE DISTRICT OF TAMILNADU

Indian banking has witnessed a signicant shift in its operating environment during the last decade. Various reform measures, both qualitative and quantitative, were introduced with an objective to revitalize Indian banking sector and to meet the future challenges banks should create proper customer satisfaction on services by examining the consumers. Customers can be retained if the bank tries to measure and improve customer service offered to them on a continuous basis. This paper examines the satisfaction of services offered by selected private sector banks in Erode district of Tamilnadu

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.

Performance and Efficiency Analysis of Selected Private Sector banks in India

This paper discusses the performance and efficiency analysis of selected private sector banks in the light of tough competition and technology up gradation. Right from the establishment of Royal Chartered bank, Indian banking sector has seen a magnanimous growth especially after independence. The nationalization of banks in 1969 and 1980 had added fuel to the growth. The New Economic policy, 1991 has totally changed the facets of the banking sector. The doors are open to the private and foreign banks to India and the services are scattered and spread to various areas like wealth management, insurance, mutual funds, forex trading, financial services etc apart from the primary objective of accepting deposits and lending loans. This research paper focuses on evaluation of the performance and efficiency analysis of selected private sector banks with respect to some of the key indicators such as Total deposits, Total advances, Total Assets, Net Profit & Non-Performing Assets of last 10 years. The absolute figures and the average annual growth rates (AAGR) were calculated for each indicator over a period of 10 years and accordingly the rankings were assigned based on performance and efficiency analysis. Key area findings of the research were found and so incorporated in the study. The research found that has been performing well among the given three banks when compared with other two banks.

A Study on Non-Performing Assets (NPA) of Selected Private Sector Banks in India

The banking industry is critical to the success of any economy since it satisfies societal requirements. A bank is a financial entity that provides its clients with a variety of banking and other financial services. India's banking industry has been grappling with mounting non-performing assets. The rise of Non-Performing Assets has a significant impact on a bank's profitability. This research was undertaken in order to analyze the non-performing assets of a sample of chosen private sector banks in India. For that purpose, the researcher chose the top four private sector banks, namely HDFC bank, ICICI bank, Axis bank, and Indusland bank, based on their net sales from 2016-17 to 2020-21. To analyze non-performing assets in a selected private sector in India, gross non-performing assets (NPAs), net non-performing assets (NPAs), and net profit ratios were chosen. To test the hypothesis, the researcher employed a one-way ANOVA with a significance level of 5%. The study's primary conclusions include that HDFC bank's average GNPA and average NNPA are the lowest in the industry, while ICICI banks are the highest.

A Study on Non-Performing Assets (NPA) of Selected Private Sector Banks in India

The banking industry is critical to the success of any economy since it satisfies societal requirements. A bank is a financial entity that provides its clients with a variety of banking and other financial services. India's banking industry has been grappling with mounting non-performing assets. The rise of Non-Performing Assets has a significant impact on a bank's profitability. This research was undertaken in order to analyze the non-performing assets of a sample of chosen private sector banks in India. For that purpose, the researcher chose the top four private sector banks, namely HDFC bank, ICICI bank, Axis bank, and Indusland bank, based on their net sales from 2016-17 to 2020-21. To analyze non-performing assets in a selected private sector in India, gross non-performing assets (NPAs), net non-performing assets (NPAs), and net profit ratios were chosen. To test the hypothesis, the researcher employed a one-way ANOVA with a significance level of 5%. The study's primary conclusions include that HDFC bank's average GNPA and average NNPA are the lowest in the industry, while ICICI banks are the highest.

Impact of Bank Specific Variables on Financial Performance of Private Sector Banks in India

The major goal of this research is to study the effect of bank-specific variables on private-sector banks’ financial performance. In this study, multiple regression analysis was employed. Return on assets (ROA) and return on equity (ROE) were used as profitability measures in this study to assess the profitability of private sector banks. Both the ROA and the ROE are dependent variables. The independent variables employed in the study to analyze and explain the impact of bank specific variables on the financial performance of private sector banks include liquidity risk, credit risk, capital adequacy, expense management, solvency, growth rate, and efficiency. Secondary data was collected for time period of 12 years (2008-09 to 2019-20) from the financial statements of selected banks. The results of the study suggest that when ROA is taken to represent the profitability of private sector banks; liquidity risk and expense management have adverse effect on the financial performance of selected private sector banks. However, solvency has positive effect on the financial performance of the selected private sector banks in India. When ROE is taken to represent the profitability of private sector banks; liquidity risk and expense management have negative impact on financial performance of selected private sector banks. Whereas, capital adequacy and solvency have positive impact on the financial performance of selected private sector banks in India.

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.

Financial Performance of Banks in India: A Study of Selected Private Sector Banks

Financial Performance of Banks in India: A Study of Selected Private Sector Banks

Financial Performance of Banks in India: A Study of Selected Private Sector Banks

Purpose: This study aims to evaluate the performance of selected private sector Banks in India. The aim is also to study the profitability performance of these selected banks.
 Approach/Methodology/Design: Eight private Banks were selected as a sample for the study. The statistical tools employed in the study include Minimum and Maximum Net Profit Ratio, Descriptive Statistics and One-Way ANOVA test for the evaluation of performance of Banks. The period for the study is from 2011-12 to 2018-19, and this study is totally based on secondary data.
 Findings: The results of the study reveal that there is a significant difference of Net Profit of the selected banks. The financial performance of HDFC Bank is continuously in a good condition due to the high profit earned and the proper management that is employed. The results indicate that Yes Bank is in a deteriorating financial position because of governance issues, false assurance to customers, non-serious investors, non market-led revival in sight, outflow of liquidity, and non-disclosure practices. Axis Bank and ICICI Bank are slowly declining within the market. Jammu and Kashmir Bank suffered losses in the year 2016-17 due to the tune of Rs 16,000 crores during the five months long unrest in the Kashmir valley.
 Practical Implications: In today’s scenario, most of the banks have more Non-Performing Assets. Due to this condition, many banks go to liquation and merger/acquisition. This paper attempts to examine the current conditions of selected private sector banks in India, assisting in presenting statistical analysis that will be of use to investors as well as management teams of the banks.
 Originality/value: Nowadays, Banking sector is one of the fastest growing sectors and huge funds are invested in banks. The banking system is becoming more complex and therefore there is a strong need to evaluate the performance of the banks. The originality in this study lies in the attempt to provide up-to-date assessment of eight top banks in India.

English

English

CAUSAL ANALYSIS OF PROFITABILITY AND NON-PERFORMING ASSET OF SELECTED INDIAN PUBLIC AND PRIVATE SECTOR BANKS

The major issue currently being faced by the banks is Non Performing Asset (NPAs) which is not only the burden for banks but it is the problem for whole financial system. Rising NPA affect the operational efficiency which in turn affects profitability, liquidity and solvency position of banks. The mounting NPAs put stress on recycling of funds and minimize the ability of banks for lending more and thus results in lesser interest income. For improving the efficiency and profitability of banks, NPA needs to be minimized and controlled. NPA is not only increasing in Public sector banks but also in the Private sector banks as well. In this study an effort has been made to know the co-relation between NPAs and Profitability of banks for which major Public and Private sector banks have been considered who are facing the problem of mounting NPAs

A study on measuring liquidity position of selected private sector banks

A study on measuring liquidity position of selected private sector banks - JMRA- Print ISSN No: - 2394-2762 Online ISSN No:- 2394-2770 Article DOI No:- 10.18231/j.jmra.2020.004, Journal of Management Research and Analysis-J Manag Res Anal