State Bank Of India Research Articles

EFFECTIVE COMMUNICATION SKILLS: INVESTIGATING THE POLITENESS STRATEGIES USED BY WOMEN AS WORKPLACE DISCOURSE

This paper is trying to explain why women at workplace use more polite form of communication. The objective of this work is to explore the politeness strategies used by women at workplace and to find out the explanations to such behavior. Politeness sanctions us to carry out numerous inter-personally sensitive operations in a non-intimidating or less intimidating fashion. This paper focuses on women’s use of four major forms of politeness in the workplace. The data is taken from two private universities, two government universities, some nationalized banks (Bank of Baroda, State Bank of India, Punjab national Bank) and few corporate houses. The work environment and nature of work in the mentioned workplaces are somewhat different from one another. But in this study I am trying to show that, in spite of different work culture and type of work, women use similar discourse or interactive pattern. Mostly, all of them use some typical traits or style while communicating at work. Women use different forms of politeness in the work place to maintain relationships, hierarchy and harmony. They usually avoid giving offences by highlighting friendliness.

Does Asymmetric Information Hold Up Firms with Banks?

In the panic of the global financial crisis of 2007-09, many depositors in India moved their deposits from private banks to the largest and government owed bank, State Bank of India (SBI). This created need for firms not borrowing from SBI to start a relationship with it. I find that firms that start a new relationship with SBI experience a significant reduction in interest cost and an increase in borrowings and leverage. Large, public, rated, old firms are more likely to start a relationship with SBI. This is consistent with the theory of hold up problem caused by information asymmetry between lending bank and non-lending banks. Furthermore, I find that firms that form a new relationship with SBI have relatively worse future performance and higher chances of bankruptcy which is consistent with non-lending banks facing adverse selection problem.

Big Bank Theory: A Study of Amalgamation Plan of 10 Public Sector Banks into 4 Entities

The Indian government on 30th August 2019 unveiled a plan to merge 10 public sector banks (PSBs) into four, reducing the number of state-owned banks from 18 to 12, in a bid to create “next-generation” financial institutions with stronger balance sheets and bigger risk appetite. Having done two rounds of bank consolidation earlier, this is what Government wants to do for a robust banking system and a $5-trillion economy. Punjab National Bank will take over Oriental Bank of Commerce & United Bank of India to become the country’s largest lender after State Bank of India in terms of business. Canara Bank will subsume Syndicate Bank; Andhra Bank and Corporation Bank will merge with Union Bank of India; and Allahabad Bank will become part of Indian Bank. The key factors for the mergers were: Technological platform, customer reach, cultural similarities, and competitiveness. In 2017, India had 27 PSBs, but the National Democratic Alliance government implemented two rounds of mergers in its previous tenure. One was the merger of five associate banks and Bharatiya Mahila Bank with SBI (from April 2017); second, Dena Bank and Vijaya Bank merged with Bank of Baroda to create the country’s third-biggest lender, which came into effect from April 1 this year. The present paper is based on the study of Public Sector banks total business, deposits and Non-Performing Assets (NPA). The paper also studies the Government’s plan to amalgamate the 10 public sector banks into four large institutions as a part of its attempt to bolster the capital base of these lenders. The paper in the end, studies the impact of PSBs Merger and how customers are likely to be impacted.

Mergers of Banks in Economy – Indian Scenario

Banking area possesses a significant spot in each economy and is one of the quickest developing sectors in India. The challenge is very high and tough from the worldwide player’s i.e. International banks. On the counter part, both public and private banks are also facing strong competition among themselves to reach the targeted audience. But the worrying factor is Non performing assets are also increasing simultaneously with core business. The result is mergers in the banking sector in order to reduce the NPA. The most recent and largest merger in the history of banking industry took place on April 1, 2017 i.e., State bank of India and its associates banks. And, now the govt. of India announces India’s biggest and largest mega banks merger on august 30, 2019, i.e., merging of 10 public sector banks into 4 large banks. These banks are oriental bank of commerce and united bank of India merging with Punjab national bank; Syndicate bank with Canara bank; Andhra bank and corporation bank merging with Union bank of India; and Allahabad bank merging with Indian bank; This merger will bring nearly a half yearly of all outstanding loans in Indian’s banking sector. This big bank merger will be a good move from the central govt. to reach $5 trillion economy in next 5 years. This merger will help to give some boost to the Indian economy, which is suffering with high rate of NPA’S. In this research paper an attempt is made to know the impact of banks performance after merger will really give acceleration to the economic growth rate or not.

Analysis of Financial Performance of Selected Public and Private Sector Banks

.The commercial banks have played a vital role in depicting the financial system of any country. The health of any country can be defined by the condition of the financial system which is going to be reformed. Reforms have been done from time to time on the ground of several committees introduced in the banking sector such as the first Narasimham Committee (1991), Verma Committee (1996), Khan Committee (1997), second Narasimham Committee (1998). The growth and efficiency of the country can be determined through the financial performance of the banks. The main task of this paper was to do a comparative analysis of the financial performance of selected public sector and private sector banks. Besides this, the study tried to acknowledge the financial stability, liquidity, profitability, and other financial aspects of the banks. For the study purpose, three public sector banks (State Bank of India, Bank of Baroda, and Punjab National Bank) and three private sector banks (HDFC Bank, ICICI Bank, and Axis Bank) were chosen as they have the largest financial base. The overall study is based on the secondary data collected from the annual reports, newspapers, magazines, and online sources for the period of 5 years from 2015-2019. It was found from a comparative analysis that the public sector banks have made a significant progress, but they still do not meet the performance benchmark set by the private sector banks. Private sector banks (2.02300%) were found to be more successful in controlling the non-performing assets (NPA) in comparison to the public sector banks (5.12133%).

The Human Challenges of the Digital World: The Paradigm of Employee Expectations in the Banking Sector

The Human Challenges of the Digital World: The Paradigm of Employee Expectations in the Banking Sector

An improved ARMA(1, 1) type fuzzy time series applied in predicting disordering

Fuzzy time series shows great advantages in dealing with incomplete or unreasonable data. But most of them are based on fuzzy AR time series model, so it is necessary to add MA variables to the fuzzy time series [10] to make it more accurate. An improved ARMA(1, 1) type fuzzy time series based on fuzzy logic group relations including fuzzy MA variables along with fuzzy AR variables was proposed in this paper. To take full account of the errors, the prediction errors were added to the forecast fuzzy sets, and it made the first-order fuzzy logical relationship sets more exact. In order to verify the advantage of the proposed method, it was applied to predict the stock prices of State Bank of India (SBI) and the packet disordering from a common source host in the Northeast University to www. yahoo. com. The experimental results showed that the proposed model was more precise than other models.

CSR Practices in State Bank of India and its Impact on Creating Loyal Customers: A Study

The objective of this research paper is to study the perception of customers towards CSR practices and its impact on creating loyal customers. The study found that all the respondents are having moderately positive perception towards the CSR practices of the Bank and the independent impacting variable of customer satisfaction and ethics are significantly influencing on the dependent variable that is customer loyalty. The undings of the study can assist the bankers to concentrate more on CSR practices, so that customers will be having a positive approach towards the bank and they will be loyal. The study can assist the scholars in upcoming studies related to CSR and customer loyalty.

CSR practices in state bank of india and its impact on creating loyal customers: A study in Mangaluru city; Karnataka

The objective of this research paper is to study the perception of customers towards CSR practices and its impact on creating loyal customers. The study found that all the respondents are having moderately positive perception towards the CSR practices of the Bank and the independent impacting variable of customer satisfaction and ethics are significantly influencing on the dependent variable that is customer loyalty. The findings of the study can assist the bankers to concentrate more on CSR practices, so that customers will be having positive approach towards the bank and they will be loyal. The study can assist the scholars in upcoming studies related to CSR and customer loyalty.

Insolvency Risk: Issues and Challenges for Public Sector Commercial Banks of India

This paper thoroughly examined the insolvency risk of four major commercial banks of India namely, State Bank of India, Punjab National Bank, Bank of Baroda, and Canara Bank during the period from 2005-06 - 2017-18 and scrutinized whether the regulatory capital requirement as per the Reserve Bank of India norms was enough to insulate commercial banks from the potential threat of insolvency risk. Moreover, the impact of the main determinants on the parameter used to measure insolvency risk namely, Z-score was also analyzed. Our study clearly showed that the insolvency risk of all these banks increased significantly since the value of Z-score dipped substantially overtime. Further, the analysis also revealed that the current level of regulatory capital of the banks was not enough to overcome the potential threat of insolvency risk. Finally, percentage of nonperforming assets to total advances pertaining to the industrial sector was found to be an important determinant that aggravated the insolvency risk of banks. All these findings clearly highlighted that it is not the opportune time for the Reserve Bank of India to ease-off the regulatory capital norms regarding the capital risk adequacy ratio (CRAR). Besides, there is an urgent need for commercial banks to improve the quality of lending pertaining to the industrial sector of the economy along with stepping up their credit business regarding the personal loan segment. Moreover, too much government intervention distorts the automatic functioning of financial institutions. Rather, a mechanism should be devised to make these institutions more accountable.

Relationship between Corporate Social Performance, Corporate Financial Performance and Financial Risk in Indian Firms

This study examines the relationship between Corporate Social Performance and Corporate Financial Performance and Financial Risk of BSE top 10 companies in India. The variables of Corporate Social Performance and Financial Performance and Financial Risk were used in this study. There was positive relationship between Corporate Social Performance, Corporate Financial Performance and Financial Risk, at Bajaj Finance Ltd, Reliance Industries Ltd, Bajaj Auto Ltd, State Bank of India, Hindustan Unilever Ltd, Asian Paints Ltd and Bharathi Airtel Ltd. The novelty of the study is that the analysis of this study focuses on CSP, CFP and Financial Risk in respect of Indian firms.

Dr. John Matthai (1886–1959): between ‘Bombay Plan’ and ‘Planning Commission’

ABSTRACTDr John Matthai held key ministerial offices in New Delhi during a time of transition from pre- to post-independent India. He was Finance Minister twice (1946, 1948–50) and, in between, held the portfolios of Industry & Supply and Railway & Transport. Matthai had been an academic in Madras, an administrator with the central government and an economist in Bombay with the Tata group. His wide expertise and diverse experience brought him a range of opportunities in those partisan times, including as Chairman of Taxation Enquiry Committee (1953) and State Bank of India (1955). Matthai’s ministerial appointments were unusual, his administrative challenges were unfavourable and his exit from government unexpected. In this article, I argue that his short-lived and scattered ministerial life and the record he left of it provides a unique vantage from which to view the interim times of 1946–1950 in India, with their paradigm of ‘continuity and change’.

A critical review of non-performing assets in the Indian banking industry

PurposeThe level of non-performing assets (NPAs) best indicates the soundness of the banking sector of a country. The purpose of this study is an effort to look into the contribution of the different banks individually to the NPA in the industry by looking into its growth pattern during the period 2010-2017. Further, the study is made to look into the effect of different groups of banks, namely, State Bank of India (SBI) and its associates, nationalised banks and private sector banks on the banking industry in this regard.Design/methodology/approachThe individual private sector banks, nationalised banks and SBI and its associates have been considered for the purpose of the study. The analysis is based on secondary data collected from the Reserve Bank of India website for the period 2010-2017. The geometric mean has been used as a statistical tool for arriving at the mean growth rate of gross NPAs. Further, refinement of the result is done by comparing the growth of gross NPAs of individual banks with that of the average growth rate.FindingsThe assessment of private sector banks reveals that the growth rate of NPAs is low as compared to the nationalised banks, as well as the SBI and its associates. The nationalised banks and the associate banks of SBI failed to handle the issue of poor loans effectively due to which the growth in such loans has been phenomenally high.Originality/valueThe research is interesting as the study period follows the financial crisis. There is no such previous study that has looked at the perspective of banking from this angle. The research is valuable from two angles. Firstly, it brings to light the situation of the different categories of banks with regard to NPAs. Secondly, the information can be useful for investors as the issue of poor loans is a relevant one for them because it has an impact on the profitability of banks and thereby the future prospects.

Service Quality: A Comparative Study Between State Bank of India and ICICI Bank

Service quality has become an important tool in the service industry. The concept of customer satisfaction is widely recognised as a key differentiator which occupies a vital position in marketing thought and practice and is the major outcome of any marketing activity. This study makes an effort to understand the difference in service quality offered by the state bank of India and ICICI bank. SERVQUAL model which was proposed by Parasuram et al. is used to measure the service quality perceived by the customers of the state bank of India and ICICI bank in Srinagar city, a city in Jammu and Kashmir and a state in India. The information as gathered from the different customers of both banks Viz., State bank of India and ICICI bank Forty respondents from each bank were contacted personally in order to seek fair and frank responses on the quality of services in banks. The analysis clearly shows that there exists a wide perceptual difference among state bank of India regarding overall service quality with their respective customers when compared to ICICI bank whereas the said perceptual difference in ICICI bank is narrow.

Banking Efficiency Determinants in India: A Two-stage Analysis

This study aims at measuring the technical efficiency of banks in India and examining its determinants. Efficiency is said to be achieved if a bank is able to maximise its output subject to limited inputs. To obtain technical efficiency score, input-oriented Malmquist Data Envelopment Analysis is applied on two outputs and three input variables, based on a VRS (variable returns to scale) assumption. Three foreign banks—namely, A B Bank Ltd, Bank of Ceylon, and Citibank N A—and two Indian banks—namely, HDFC Bank and State Bank of India—are found to be most efficient during the study period. The efficiency scores when subsequently used as the dependent variable along with independent variables—bank size, capitalisation, liquidity risk, returns on assets, interest rate, credit risk, market concentration and gross domestic product (GDP)—in a panel regression analysis found the fixed effect model to be more appropriate in explaining the determinants. The results reveal that liquidity risk, returns on assets, credit risk, market concentration and GDP have a significant effect on the technical efficiency, while banks size, interest rate and level of capitalisation are found to be insignificant variables. JEL Classification: G21, C13, C60

A Study On Comparison About Working Capital Management Of State Bank Of India And Industrial Credit And Investement Corporation Of India

Working capital management refers to a company's managerial accounting strategy designed to monitor and utilize the two components of working capital, current assets and current liabilities, to ensure the most financially efficient operation of the company. The goal of working capital management is to manage the firm’s current asset and current liabilities in such a way that satisfactory level of working capital is maintained. A study on comparison in working capital management with State Bank of India and Industrial Credit and Investment Corporation of India is analyzed to know the liquidity and current ratio. The interaction between current asset and current liabilities is therefore is the main theme of the theory of working capital management.

Convergence and digital fusion lead to competitive differentiation

PurposeOrganizations are consistently seeking innovative strategies and novel pathways to enhance business processes and create differentiation. The global business ecosystem is changing and there is growing demand for multi-modal digital technologies, big data consolidation and data analytics to harness a cost-competitive agile system. Technological convergence and integration of digital systems is one of the preferred methodologies that facilitates new and effective workflows and revives business processes. The progressive interlinking of digital technologies with business operations leads to the convergence and blending of management disciplines, devices and applications. The growing inconsistencies in managerial understanding regarding the benefits of convergence prompts a comprehensive examination of digital convergence pathways, identifying the impacts on converging entities and business objectives. The State bank of India (SBI) mega-merger case study was selected to investigate the pragmatic framework of digital convergence and to understand the impacts on interlinked entities such as: business operations, strategic management, project team that support value creation and competitive differentiation. The purpose of this paper is to focus on the phenomena of techno-fusion of emerging technologies creating new opportunities, business models and unique strategies for global banking and financial service organizations.Design/methodology/approachThis study applies the qualitative, inductive research method using critical reflection of before and after the implementation of convergence and digital integration strategies. The SBI case study employs this research strategy based on the premise that banks must stay agile and highly responsive to the changing environment to enhance its value proposition and competitive differentiation objectives. The study methodology incorporates cooperative inquiry and multiple levels of analysis using data collection techniques of exhaustive review of archives, informal interviews, questionnaires and observations to identify the synergistic process improvement pathway. The study is grounded on the concept that the convergence of diverse business pathways involves innovative and interlinked project, strategic and information technology (IT) workflows that results in open innovative systems.FindingsThe studies identify that organizational innovation and creative solutions are a result of ecosystem turbulence, environmental force diversity, competitive pressure and the need for differentiation. Organizations that harness the power of digital fusion and convergence of management, systems and data generate a competitive advantage. The technological convergence strategy pulls multiple business and technology processes (project, strategic, IT, Cloud, AI and business process management) at the organizational, divisional or functional level generating new opportunities and threats, new business models and unique growth strategies for global banking and financial services organizations. Organizations that fully integrate techno-fusion of business and digital strategies produce synergistic effects and enhance adaptability, innovation and resiliency in the face of competitive challenges.Research limitations/implicationsAdditional areas that can be explored further as an extension of this study are listed below: identifying factors to improve the speed of convergence; the current results are limited to large size organizations where formal management and technology functions are distinctive. Similar studies on smaller organizations are warranted.Originality/valueThis study focuses on the evolving field of technology innovation, which is increasingly being intertwined with business operations. Innovative digital technology is enabling the convergence of the disciplines of management, digital devices and applications. This facilitates the creation of a pragmatic framework that supports convergence of business operations, strategic management and digital fusion which leads to value creation and competitive differentiation. The techno-fusion of emerging technologies and digital strategies generates new opportunities and threats, new business models and unique growth strategies for organizations.

A Study of Priority Sector Lending by State Bank of India

Priority sector lending is a scheme directed s per Government of India. As per RBI directive, commercial banks advised to granting 40% of their total advances to borrowers in the priority sectors. Priority means to give preference and privilege. Priority sector lending refers to those sectors of the economy which may not grow in prudent and satisfactory crediting in absence of this special dispensation. Typically, these are small value loans to farmers for agriculture and allied activities, micro and small enterprises, poor people for education and other low- income groups and weaker section. This paper provides a platform to understand the problems and prospects of priority sector lending in state bank of India in Bhadravathi. The study has used both primary and secondary data. The data collected is embodied by using tables and analysis was done by using percentage analysis and statistical tool like X2 test is also used.

NPA of Banking Industry & Its Impact on Overall Indian Economy and Measures to Recovery of NPA in Banks

Banks assume a significant job in the Indian financial system related framework. In an economy overwhelmed by banks, the continued weakening of the financial segment because of monetary record issues makes a delay genuine financial action and can appear as a monetary emergency. It is basic to rapidly resolve an emergency in the financial segment with the goal that banks, as the fundamental wellspring of credit, can start to work typically once more. In India, the financial emergency is a common phenomenon. Since the progression changes of 1991, there have been two noteworthy scenes of the financial emergency: the first occurred during the period 1997-2002 and the second started in the wake of the Global 2008 Crisis budgetary and has not yet been settled. A solid financial part is significant for an economy like our own. In our nation, the financial part has experienced a turnaround change after 1991 and, in this way, credit to the individuals. Because of which, banks have turned out to be increasingly careful in giving credits. Non performed asset (NPA) will indicates the performance of a bank. The abnormal state of NPA mirrors an enormous number of defaults and, at last, influences the productivity of banks. HDFC Bank, State bank of India and furthermore recommends a few methodologies to lessen them. NPA are the blocks opposite to the growth of National GDP. This paper identifies the impact of NPA on the overall development of the Indian economy as well as the measures to be taken in order to the recovery and control of NPA in future.

Analysis on Rural and Urban Employee Job Satisfaction towards SBI Bank in Rayalaseema Division

Job satisfaction, in simple words is the level of content with the job an employee is in. Since many years in numerous studies have been conducted on the level of rural and urban employees of job satisfaction in the organization. Job satisfaction is the favorableness or un-favorableness with which employees view their work. Rural and urban Job satisfaction is a psychological concept and it is mostly depend upon the internal feeling of employees. Job satisfaction is a general attitude which is the result of many specific attitudes in these areas. The gradual preeminence of employee in the power hierarchy, overcoming workplace discrimination in the corporate sector displays not the change in the outlook and the perception of the management, job satisfaction of the employees in the State Bank of India.