scholarly journals AN ANALYSIS OF NON PERFORMING ASSETS OF INDIAN SCHEDULED COMMERCIAL BANKS

2021 ◽  
Vol 9 (11) ◽  
pp. 476-485
Author(s):  
Bhabani Mishra ◽  
Keyword(s):  
Public Sector ◽  
Pearson Correlation ◽  
Positive Association ◽  
Foreign Banks ◽  
Public Sector Banks ◽  
Significant Difference ◽  
Net Profit ◽  
Group A ◽  
Bank Group ◽  
Bad Assets

Non-performing Asset breaks the recycling procedure of deposit and investment as it does not generate substantial income and blocks the cash flow. The motive of the paper is to conduct comparative analysis among Gross NPA, Net NPA, and Net Profit by adopting correlation, ANOVA, the average for selected bank groups which are analyzed in MS-EXCEL and SPSS. The aggregate data of 16 years from 2004-05 to 2019-20 is taken from the RBI website. Public Sector banks acquire more GNPA and NNPA and less Net Profit as compared to other two due to various reasons explained in this paper. Pearson correlation in SPSS shows that there is strongly negative and significant correlation between net profit and GNPA of public sector bank group which reflects that rising bad assets can reduce the banks’ profitability. But in case of foreign banks group, a strong but positive association between net profit and GNPA is observed. The Private bank group shows no significant association between these two variables. ANOVA test result shows there is a significant difference in the movement of GNPAs and NNPAs (in amounts) for different groups of banks during the study period. But in the case of Net profit, no significant difference was observed for these bank groups.

A Comparative Study of Non-performing Assets Using Non-parametric Test: Indian Scheduled Commercial Banks

2021 ◽  
pp. 097674792110278
Author(s):  
Bhabani Mishra ◽  
S. S. Rath
Keyword(s):  
Public Sector ◽  
Comparative Study ◽  
Commercial Banks ◽  
Foreign Banks ◽  
Parametric Test ◽  
Public Sector Banks ◽  
Significant Difference ◽  
The Individual ◽  
Asset Quality ◽  
Non Parametric

Galloping levels of impaired assets slowly destroy the economy by throwing it into a major financial crisis. The current article studies recent trends and compositions of stressed assets among 45 selected Indian commercial banks. The non-parametric test (Kruskal–Wallis) is applied to know whether there exists any difference in the movement of gross non-performing assets ratios and net non-performing assets ratios (NNPAs) among bank groups and individual banks. The group-wise comparative study shows that a significant difference exists in the movement of NNPA ratio only between foreign banks and public sector banks and between private banks and public sector banks. Significant differences also exist among the individual banks in foreign and private bank groups. The Games–Howell post-hoc test finds that some pairs of banks have significant differences. The current financial downswing attributed to pandemic has increased the chances of fraudulency and sporadic default events and enhanced the problem of bad loans. Amalgamations of State Bank of India with its associates in 2017 and Bank of Baroda with Dena Bank and Vijaya Bank in 2019 have shown falls in stressed assets that possibly foreshow the future furtherance in asset quality of other four anchor banks that are merged with six banks, with effect from April 2020. JEL Codes: G21, G34

scholarly journals A study on non performing assets management with reference to public sector banks, private sector banks and foreign banks in india

2015 ◽  
Vol 1 (1) ◽  
pp. 30-43 ◽  
Author(s):  
Mayur Rao ◽  
Ankita Patel
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Least Square Method ◽  
Least Square ◽  
Foreign Banks ◽  
Public And Private ◽  
Anova Test ◽  
Public Sector Banks ◽  
Significant Difference ◽  
Public Banks

Non Performing Assets (NPA‟s) are one of the major areas of concern for the Indian banking industry. Non-Performing Assets are like a double edged sword. They do not generate any income, whereas, the bank is required to make provisions such as assets. (Olekar and Talawar, 2012).NPAs do not just reflect badly in a bank‟s account books, they adversely impact the national economy. There are many research conducted on the topic of Non- Performing Assets (NPA)Management, concerning particular bank, comparative study of public and private banks etc. This paper considers the aggregate data of public sector, private sector and foreign banks and attempts to compare analyze and interpret the NPA management from the year 2009 -2013. On the conceptual side, it gives an overview of NPA, Types of NPA, causes and on the calculation side, it covers various NPA related ratios, use of Least square method for estimating Gross NPAs in the year 2014, and also application of ANOVA test to judge the presence of any significant difference between ratio of Gross NPA to Gross Advances. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, ratio of Loss Advances to Gross Advances are higher in foreign banks, the Estimated Gross NPA for 2014 is also more in public banks as compared to private and foreign banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector, private Sector and foreign Banks does not have significant difference between 2009 to 2013.

scholarly journals How far the Indian banking sectors are efficient?: An empirical investigation

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sudarshan Maity ◽  
Tarak Nath Sahu
Keyword(s):  
Public Sector ◽  
Foreign Banks ◽  
Data Envelopment ◽  
Content Type ◽  
The Public ◽  
Public Sector Banks ◽  
Economy Running ◽  
Significant Difference ◽  
Private And Public

PurposeBank mobilizes savings and transforms it into credit for investments in various sectors, which helps the economy running. The purpose of this paper is to examine the efficiency of three bank groups in India with data spanning from 2009–2010 to 2018–2019.Design/methodology/approachThe study uses data envelopment analysis for measuring the efficiency of the selected banks. It measures the efficiency both from the revenue dimension and from the supply-side dimension of financial inclusion.FindingsThe study finds that foreign banks on average are working efficiently far better than the public-sector and private-sector banks. It indicates that foreign banks in India are operating at 92.53% efficiency level, whereas private- and public-sector banks are operating at 90.20 and 86.04% efficiency levels, respectively. Further, the result of the Friedman test reveals that there is no significant difference in efficiency scores amongst these three bank groups. As major challenges, non-performing assets of the banking industry to be reduced by 15% as radial and 53.18% as slack.Originality/valueOne of the notable innovativeness of this study is that, unlike most of the previous studies that are mostly selected few banks and specific group, the present study may place itself as a unique inquiry in the domain of technical efficiency in macro concept by considering three major bank groups operating in India. An important contribution of the study is the classification of reasons behind the inefficiency, i.e. managerial or inappropriate scale size and further projections of input factors for the same level of output.

Service Quality Perception towards E-CRM Practices among Customers of Private and Public Sector Banks of Rajasthan Using SERVQUAL Method

2018 ◽  
Vol 7 (3) ◽  
pp. 22
Author(s):  
Neeti Kasliwal ◽  
Jagriti Singh
Keyword(s):  
Public Sector ◽  
Service Quality ◽  
Banking Sector ◽  
Sampling Technique ◽  
Vital Role ◽  
Public Sector Banks ◽  
Significant Difference ◽  
Private And Public ◽  
Score Method ◽  
Public Banks

Banking sector is growing rapidly and playing a vital role in the economic development of the nation. Both private and public sector banks are giving more priority to service quality to satisfy their customers. For this, banks are now emphasizing on E-CRM practices to carry out transactions and communicate with their customers. The purpose of this research is to assess the service quality among private and public banks in Rajasthan. Purposive sampling technique has been employed to collect the data from three private banks and three banks from public. To analyze the data, descriptive statistics, Mean score method and t test have been used. Results indicates that there is a significant difference in consumer’s perception of service quality dimensions related to E-CRM practices provided by selected private and public sector banks of Rajasthan..The findings of this research will help policy makers of banking sector to set customer oriented policies.

scholarly journals Security perception of e-banking users in India: an analytical hierarchy process

2020 ◽  
Vol 15 (1) ◽  
pp. 11-20 ◽  
Author(s):  
Mahesh Kumar ◽  
Sanjay Gupta
Keyword(s):  
Public Sector ◽  
Analytical Hierarchy Process ◽  
Perceived Risk ◽  
Multiple Criteria Decision Making ◽  
Foreign Banks ◽  
Security Risk ◽  
Public Sector Banks ◽  
Online Risk ◽  
Risk Parameters ◽  
Hierarchy Process

When choosing online financial transactions, security is a paramount concern of users. Three categories of banks in India, namely public, private and foreign banks, have a completely different focus on technology and capabilities. The study aims at investigating e-banking users’ perception with regard to online risk for public, private and foreign banks. Online risk perception for the abovementioned banks was assessed on three major risk parameters, i.e. security aspect, privacy aspect, and trust; using a multiple-criteria decision-making tool, called the Analytical Hierarchy Process (AHP). The outcomes indicate that security risk is paramount among various aspects of perceived risk, followed by privacy and trust concern. Moreover, public sector banks are perceived to be the safest in this aspect. Public sector banks are also considered to be benign in terms of privacy and trust. Given the general user’s perception of risk generated by all the three risk parameters taken together, public sector banks are perceived to be the most secure, followed by private and foreign banks. The findings of this study have various implications for both research and practice. Private and foreign banks in India may adopt appropriate marketing strategies to achieve a favorable perception. Various studies have been conducted earlier on these factors and their interrelationship, but limited research has been carried out to demonstrate the importance of each of these factors in relation to the other as perceived by the user. Moreover, the study quantifies factors in order of their importance.

scholarly journals Evolution of Strategic Groups amongst Public Sector Banks in India

2017 ◽  
Vol 4 (01) ◽  
Author(s):  
Sonia .
Keyword(s):  
Public Sector ◽  
T Test ◽  
Foreign Banks ◽  
Strategic Groups ◽  
Advertising Expenditure ◽  
Public Sector Banks ◽  
Operating Expenditure ◽  
Time Period ◽  
Nationalised Banks ◽  
Dynamic Formation

As a result of reforms, competition has led to the expansion of banking markets. With the entry of new private and foreign banks, the competition has affected the conduct of public sector banks. Our objective is to determine whether conduct of public sector reveals that there are strategic groups amongst Public Sector Banks. We have estimated the growth rates of the PSBs as a sector, as well as, two strategic groups, viz., SBI Group and Nationalised banks. Using paired t-test on the data for 1992 and 2016, we have compared the conduct of the two strategic groups, for four conduct variables. All four conduct variables, namely, advertising expenditure, operating expenditure, diversification, and investment in government securities show the presence of strategic groups amongst public sector banks. The paper also establishes that strategic groups are a part of conduct, not structure. It is well established through a set of t-test that in the case of public sector banks, strategic groups, to begin with, did not exist. However, with the emergence of competition, public sector banks chose to polarize as to distinct strategic groups through a process of dynamic formation of such groups namely, SBI group and Nationalised group. We establish through this paper that evolution of strategic groups amongst public sector banks have taken place over the time period.

Hippocampal size did not differ between epileptic and non-epileptic dogs using volumetric and subjective methods

2021 ◽  
Author(s):  
Borbála A. Lőrincz ◽  
Agustina Anson ◽  
Stephan Handschuh ◽  
Alexander Tichy ◽  
Conor Rowan ◽  
...  
Keyword(s):  
Body Weight ◽  
Human Study ◽  
Positive Association ◽  
Brain Structures ◽  
Hippocampal Volume ◽  
The Body ◽  
Control Group ◽  
Volumetric Assessment ◽  
Significant Difference ◽  
Group A

AbstractHippocampal changes in epilepsy may manifest as hippocampal atrophy/sclerosis. A recent human study suggests that the demonstration of hippocampal volume loss is more reliable using quantitative evaluation methods. The aim of the present study was to obtain volumetric data in both epileptic and healthy dogs, to compare hippocampal volumes in both groups, and to compare subjective and volumetric assessment. Volumetric measurements of the hippocampi, lateral ventricles and hemispheria were performed in 31 epileptic and 15 control dogs. There was a positive association between the body weight and the hemispheric volume, as well as between the hemispheric volume and the ipsilateral hippocampal volume. There was no significant correlation between age and the volume of any measured brain structures. There was no statistically significant difference between the hippocampal volumes of the control group and the epileptic group. A statistically significant difference between the two groups for hippocampus/hemispherium ratio or hippocampal asymmetric ratio was not identified. An extrapolated hippocampal volume based on body weight was not possible in this study population.

A Phase II Study to Assess the Safety, Efficacy and Tolerability of Rituximab (Mabthera) In Combination with Plasma Exchange In Patients with Acute Thrombotic Thrombocytopenic Purpura (TTP).

Blood ◽  
2010 ◽  
Vol 116 (21) ◽  
pp. 3699-3699
Author(s):  
Marie Scully ◽  
James D Cavenagh ◽  
Beverley Hunt ◽  
Vicki McDonald ◽  
Samuel J Machin
Keyword(s):  
Phase Ii ◽  
Standard Therapy ◽  
Research Funding ◽  
Pearson Correlation ◽  
Significant Difference ◽  
Historical Group ◽  
Life Threatening ◽  
Group A ◽  
Caucasian Patients ◽  
Historical Controls

Abstract Abstract 3699 Idiopathic adult TTP is an acute life threatening disorder, in which antibodies, primarily IgG, are detected against ADAMTS 13. We undertook a a phase II trial in 40 patients between 2006-09 of Rituximab, 375mg/m2, weekly for 4 weeks, within 3 days of admission of acute TTP, in conjunction with standard therapy (PEX and steroids). Results have been compared to 40 historical controls (2000-2006), who had not received Rituximab, but had received other immunosuppressive treatments. The female to male ratio was 2:1, age 42 years (21-76), compared to 42 years (15-78) in the historical group. A third of trial patients required ITU admission and 15% were intubated and ventilated at presentation. One patient was withdrawn from the trial. Pre the 2nd Rituximab infusion, 68% had a platelet count >50 ×109/L and 38% >150 ×109/L. Six cases received more than 4 Rituximab infusions (maximum of 8), primarily non-Caucasian, guided by ADAMTS 13 assays. There was a significant reduction in days admitted in hospital in the Rituximab group (median 16.5 days) compared to historic controls (median 20 days) (p=0.04, Spearman correlation), specifically in Caucasian patients (12.5 V's 16 days-Rituximab V's Historical groups) (p=0.0005 Pearson Correlation). There was no overall significant difference in the number of PEX to remission. ADAMTS 13 activity on admission was median <5% (NR 55–126%). Median Anti ADAMTS 13 IgG was 40% (6-162%, NR:<4.2). Following 4 Rituximab infusions, median ADAMTS 13 activity was 43% (7-67%), median Anti-ADAMTS13 IgG was 12% (2-74%). In the historical group, 48% relapsed, median 18 months (3-60 months). In the Rituximab group, follow up 16–40 months, 10% relapsed, median 27 months (17-31). There were no excess infections in the Rituximab group. There were three deaths in the Rituximab cohort at days 11,15 and 25, due to progressive cardiac/neurological disease. In conclusion, Rituximab appears to be a safe and effective therapy given during acute TTP in conjunction with PEX and steroids. No significant difference was seen in the number of PEX to remission, compared to historical controls. However, there was a significant reduction in the number of days in hospital in the Rituximab group. The risk of relapse up to 40 months is significantly reduced in the Rituximab cohort. In patients with acute TTP, Rituximab should be considered in conjunction with standard therapy. Disclosures: Scully: MRC, BHF: Research Funding. Off Label Use: Rituximab, in TTP. McDonald:Baxter (uk): Research Funding. Machin:Baxter (UK), Bayer (UK), MRC, BHF: Research Funding.

scholarly journals E-Banking: Problems and Prospects an Empirical Study in Punjab

2011 ◽  
Vol 2 (3) ◽  
pp. 118-124
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Empirical Study ◽  
Private Sector ◽  
Old Age ◽  
Middle Age ◽  
Foreign Banks ◽  
Banking Services ◽  
The Public ◽  
Public Sector Banks ◽  
Bank Employees

The present study is concerned with the problems and prospects of e-banks in India. The present paper suggests some policies on the basis of perceptions of 60 selected e-bank employees regarding the various issues related to e-banking services. The paper concluded that not more then 50% of Indian bank customers are using e-channels, these channels are not much popular among old age and middle age persons as much as among youngsters and finally the paper concludes that the most of the customers are shifting from public sector banks to new private sector banks or foreign banks to avail innovative and attractive services. On the basis of these conclusions, paper suggests some strategies to make the public sector banks more competitive in the era of IT.

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