scholarly journals Liquidity and Off-Balance Sheet Items: A Comparative Study of Public and Private Sector Banks in India

2017 ◽  
Vol 8 (1) ◽  
pp. 47 ◽  
Author(s):  
N. Pushkala ◽  
J. Mahamayi ◽  
K. A. Venkatesh
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Balance Sheet ◽  
Vital Role ◽  
Public And Private ◽  
Banking Business ◽  
Public And Private Sector ◽  
The Impact ◽  
Reserve Ratio ◽  
Of Greece

Liquidity is the life-line of every business. Banking business’ liquidity was the bone of contention during the economic crisis of Greece and the downfall of Finance Behemoth like Lehman Brothers. Banking Sector-Illiquidity was the epicentre of such crisis. Globally, the Off-Balance Sheet Exposure played a vital role in managing liquidity and solvency issues of commercial banks. This research paper explores the concepts, aspects, analysis of liquidity and the impact of Off-Balance Sheet Items on Liquidity and Solvency. Furthermore, this paper focuses on the liquidity aspects of Public and Private Sector banks towards scrutinizing whether the ownership has any influence on the liquidity and solvency aspects of the banking structure, under the backdrop of Off-Balance Sheet Exposure. Besides, it looks into the unpredictability of RBI’s policies on liquidity like Cash Reserve Ratio, Statutory Liquidity Ratio etc.

scholarly journals The Impact of Privatization of IDBI Bank in Indian Economy

2020 ◽  
Vol 3 (12) ◽  
pp. 59-63
Author(s):  
Vishal Kumar ◽  
Soumak Ganguly ◽  
Payal Ghosh ◽  
Manisha Pal
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Financial Statement ◽  
Government Control ◽  
Public And Private ◽  
The Public ◽  
The Government ◽  
Public And Private Sector ◽  
The Impact ◽  
Share Value

Privatization refers to the public shares and Assets which are sold to the private sector in the economy. It decreases the power of government control and creates the other policies method. Privatization leads to cutting short the capital and revenue expenditure, which leads to an increase in share value in the market. During the pre-privatization period, the government used to pay less amounts of dividends to its shareholders due to its complex cost structure. Privatization leads to cutting short the capital and revenue expenditure, which leads to an increase in share value in the market. It also gave information about Public and Private sector banks. Our objective is to compare the pre and post-privatization performance like other banks of developing countries shows that privatization resulted in significant gains in profitability and efficiency. To evaluate the impact of privatization in the Indian banking sector and the relationship between privatization and Indian Economic growth by using a case study of IDBI bank condition of Indian private sector banks is analyzed using the financial statement of IDBI Bank with the help of different research methodologies.

scholarly journals CUSTOMER RELATIONSHIP MANAGEMENT PRACTICES OF INDIAN PUBLIC AND PRIVATE SECTOR BANKS: AN EXPLORATORY STUDY

2021 ◽  
pp. 1-12
Keyword(s):  
Private Sector ◽  
Management Practices ◽  
Banking Sector ◽  
Sampling Technique ◽  
Customer Relationship ◽  
Attrition Rate ◽  
Public And Private ◽  
Multi Stage ◽  
Public And Private Sector ◽  
The Impact

The contemporary study focused on the impact of CRM parameters to identify the influencing factors towards customer satisfaction and customer loyalty. A sample of 1200 respondents chosen from public sector (SBI and of Andhra bank) and private sector banks (ICICI and HDFC) using multi-stage random sampling technique through a structured questionnaire. The study employed various statistical tools such as Percentage Analysis for demographical information, bank variables, and the CRM parameters. Mean Ranks for ranking the items and Reliability Analysis applied for obtaining reliable variables in constructing the CRM parameters. Exploratory Factor Analysis (EFA) was performed to identify highly influenced factors of CRM practices to improve level of satisfaction and loyalty in public and private banks. The explored results enlighten directions to the banking sector to provide some operational implications such as proactive involvement from personnel, and customized outreach in engaging customers to reduce the negative word-of-mouth (WOM) and increase the productivity of banks positively. These significant CRM strategies will reduce the attrition rate and improves customer retention in future.

scholarly journals Customer Engagement with Social Media Bank Pages with Reference to Facebook

2019 ◽  
Vol 8 (2S11) ◽  
pp. 3089-3095
Keyword(s):  
Social Media ◽  
Public Sector ◽  
Private Sector ◽  
Banking Sector ◽  
Banking System ◽  
Customer Engagement ◽  
Public And Private ◽  
Public Sector Banks ◽  
Social Media Platforms ◽  
Public And Private Sector

Indian banking sector is going through a massive transformation day by day with the advancement of Information and communication Technology and impact of digitization in the banking industry. After the core banking system, banks have moved further to reap the benefits of internet and mobile banking. In order to engage more customers anywhere and anytime without visiting the brick and mortar branches, the banks have now introduced the social media banking. Most of the people are already active in different social media platforms, so banks have grabbed that opportunity to reach people easily and provide services through social media. This paper has made an attempt to analyze the engagement of social media customers in different banks including public and private sector with reference to facebook bank page. The results show that most of the banks have presence on popular social media platforms. With respect to the engagement of customer to all facebook posts during the study period, public sector banks are posting more on their respective facebook page but the customers’ likes as well as dislikes are more for SBI, ICICI and AXIS. In case of shares and comments, SBI and PNB have more and are increasing continuously as these two banks post more on their respective facebook pages. But with respect to customer engagement per facebook post during the study period, customers are engaged more with private sector banks. And it can be said that regarding overall customer engagement people are more engaged with private sector over public sector banks.

Changing Planes in Managing Human Resources in High Performing Indian Banking Organizations: Attract, Retain, and Motivate

2017 ◽  
Vol 18 (2) ◽  
pp. 60-83
Author(s):  
Prachi Bhatt
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Managerial Decision ◽  
Public And Private ◽  
High Performing ◽  
Hr Practices ◽  
Banking Organization ◽  
Public And Private Sector ◽  
The Right ◽  
Hr Function

Sensitive to change, human resource (HR) function plays a crucial role in dealing with globally competitive marketplace. Banking sector in a developing country like India is no different. There is an urgent need to revolutionize HR practices in Indian banking. This paper, as part of a larger research, studies high performing banking organizations in India and proposes a changing pattern of HR for the Indian banking organizations through the attract, retain, and motivate (ARM) framework. Further, the paper examines through exploratory factor analysis (EFA) whether and to what extent the changing pattern in HR practices in case of public and private sector banks supports the proposed conceptual framework. Thus, the paper presents empirical evidences (412 employee respondents) for the changing pattern of HR practices. The paper exhibits differences in the extent to which HR practices are changing in the public and private sector banks. Decisions to improve the HR priorities and practices can lay foundations for high- performing organizations. The paper examines an important issue for managerial decision-making in identifying the right blend of ARM to become high performing banking organization

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

2020 ◽  
Vol 6 (02) ◽  
pp. 60-72
Author(s):  
Kompalli Sasi Kumar
Keyword(s):  
Private Sector ◽  
Returns To Scale ◽  
Allocative Efficiency ◽  
Balance Sheet ◽  
Cost Savings ◽  
Public And Private ◽  
Financial Variables ◽  
Proxy Variables ◽  
Public And Private Sector ◽  
Constant Returns To Scale

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

Management Efficiency and Profitability of Selected Indian Public and Private Sector Banks

2019 ◽  
Vol 9 (1) ◽  
pp. 26-35 ◽  
Author(s):  
Kumar J. ◽  
Thamil Selvan R.
Keyword(s):  
Private Sector ◽  
Geometric Mean ◽  
Secondary Data ◽  
Financial Statements ◽  
Vital Role ◽  
Annual Growth Rate ◽  
Public And Private ◽  
Public Sector Banks ◽  
Management Efficiency ◽  
Public And Private Sector

Commercial banks play a vital role in the development of the industry and trade. The present article identifies management efficiency and profitability of selected Indian public and private sector banks. The study considered a sample of top ten banks (7 public sector banks and 3 private sector banks) for the period from April 1, 2005 to March 31, 2016. The study is based on the secondary data, procured and extracted from financial statements of the selected banks. The collected data has been analyzed using various financial ratios and statistical tools like geometric mean standard deviation and compounded annual growth rate have been accomplished.

Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks

2020 ◽  
Vol 17 (6) ◽  
pp. 2596-2604
Author(s):  
Neha Sharma ◽  
Dhiraj Sharma ◽  
Arun Aggarwal
Keyword(s):  
Internet Of Things ◽  
Private Sector ◽  
Complex Structure ◽  
Public And Private ◽  
Fraud Risk ◽  
Banking Organization ◽  
Banking Business ◽  
Fraud Risk Management ◽  
Public And Private Sector ◽  
Increasing Trends

Ever since the introduction of banking business in this complex structure of human living, banks are believed to be one of the institutions which are recommended for trustworthiness and treasure repositories for the general public. These are the institutions which were and are still trusted for their veracity by the civilians of every nation. However, with the passage of time the increase in the technology results in the virtue of banking organization which seems to be under a big question mark and the main reason of this integrity loss of banking organizations in the present era is an epidemic known as fraud. Moreover, bank frauds are one of the crucial areas to be resolved from the angle of internet of things which includes many of the technological loopholes. Therefore, the present study aims to provide an appropriate solution to the problem of fraud in the present scenario of increasing trends of Internet of things in the banking industry especially in Indian context. The study discussed about the present fraud preventive measures used by the public and private sector banks in India and has also provided an elaborated model for fraud risk management which gives a comprehensive structure to be utilized in regard to the fraud prevention in banks.

Brazil banks will stay cautious amid fragile recovery

2017 ◽  
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Retail Banking ◽  
Foreign Bank ◽  
Foreign Banks ◽  
Risk Averse ◽  
Public And Private ◽  
Content Type ◽  
Private Banks ◽  
Public And Private Sector

Subject Outlook for the banking sector. Significance The two-year recession has made Brazil’s public- and private-sector banks increasingly risk-averse in their lending to households and companies. This is likely to persist in 2017, owing to a very uncertain and fragile economic recovery, high unemployment and elevated levels of private-sector debt. Impacts Less-aggressive lending by national state banks will help public finances and give private banks a chance to increase market share. Spanish Santander will be the only foreign bank capable of competing in Brazil’s retail banking segment in the coming years. Other foreign banks lacking the necessary scale for profitable retail banking will focus on other niches.

scholarly journals A Comparative Study of Public and Private Sector Organizations about the Impact of Training and Management Development Programmes on Organizational Productivity

2019 ◽  
Vol 13 (01) ◽  
Author(s):  
Saman Khan ◽  
Bhavika Bharti
Keyword(s):  
Private Sector ◽  
Service Sector ◽  
Emerging Market ◽  
Management Development ◽  
Organizational Productivity ◽  
Public And Private ◽  
Emerging Market Countries ◽  
Private Sector Organizations ◽  
Public And Private Sector ◽  
The Impact

India has become one of the fastest growing economies in the world over the last two decades, undoubtedly aided in this performance by economic reforms. The striking aspect of India’s recent growth has been the dynamism of the service sector, while, in contrast, manufacturing has been much less robust, contrary to the experience in other emerging market countries, where manufacturing has grown much faster than GDP. Present study is focused on a comparative evaluation of two steel giants in India i.e. SAIL and TATA steel. The study reveals that training and MDP have positive correlation with employee development, employee satisfaction and organizational productivity whereas it has been found that private sector managers (TATA Steel) have more positive opinion for training and MDP in comparison with public sector enterprise (SAIL)

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