scholarly journals Global Crisis: Problems and Prospects for Indian Banking Industry

2011 ◽  
Vol 2 (4) ◽  
pp. 171-176 ◽  
Author(s):  
R. K. Uppal
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Banking Industry ◽  
Foreign Banks ◽  
Global Crisis ◽  
Time Period ◽  
Banking Reforms

The present paper analyses the efficiency of all the bank groups in the post- banking sector reforms era. Time period of the study is related to second post-banking sector reforms (1999-2000 to 2005-06). This period has been chosen taking into consideration the following factors; On the basis of some parameters of efficiency i.e. profitability per employee, per branch, business per employee, per branch and expenses per employee and per branch, the paper concludes that efficiency of all the bank groups has increased in the second post-banking reforms period but these banking sector reforms are more beneficial for new private sector banks and foreign banks. At the end, paper suggests some measures for the improvement of efficiency of Indian nationalized banks.

EMERGING TRENDS IN BANKING SECTOR - ITS CHALLENGES AND OPPORTUNITIES

2018 ◽  
Vol 6 (26) ◽  
Author(s):  
Karigoleshwar .
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Major Change ◽  
Commercial Banking ◽  
Foreign Banks ◽  
Emerging Trends ◽  
Reserve Bank ◽  
Challenges And Opportunities ◽  
Multiple Regions

In financial sector the banking industry is the largest player, has also been undergoing a major change. Today the banking industry is stronger and capable of withstanding the pressures of competition. Today, we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the fountain Head of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry has been so stupendous that it has no parallel in the annals of banking anywhere in the world. The banking industry has experienced a series of significant transformations in the last few decades. Among the most important of them is the change in the type of organizations that dominate the landscape. Since the eighties, banks have increased the scope and scale of their activities and several banks have become very large institutions with a presence in multiple regions of the country.' The paper examines the new trends in commercial banking. The present era the cashless transactions, E-cheques, mobile wallets. The paper attempts to present the emerging trends and its challenges that recently emerged in the banking sector with special emphasis on digitization. It will be useful to the academicians, banking and insurance personnel, students and researchers. Common readers also know the latest innovations in banking sector

scholarly journals MODIFIED SERVQUAL MODEL AND EFFECTS OF CUSTOMER ATTITUDE AND TECHNOLOGY ON CUSTOMER SATISFACTION IN BANKING INDUSTRY: MEDIATION, MODERATION AND CONDITIONAL PROCESS ANALYSIS

2017 ◽  
Vol 18 (5) ◽  
pp. 974-1004 ◽  
Author(s):  
Rizwan Raheem AHMED ◽  
Jolita VVEINHARDT ◽  
Dalia ŠTREIMIKIENĖ ◽  
Muhammad ASHRAF ◽  
Zahid Ali CHANNAR
Keyword(s):  
Factor Analysis ◽  
Customer Satisfaction ◽  
Financial Services ◽  
Banking Sector ◽  
Banking Industry ◽  
Process Analysis ◽  
Perceived Value ◽  
Online Banking ◽  
Foreign Banks ◽  
Banking Service

Banks are very important financial services sector, and in banking sector there is an intense competition amongst the local and foreign banks throughout the world. The objective of this research is to analyse the effects of perceived value and customer trust, and role of technology in banking service qualities and customers’ satisfaction in Pakistani context. For this purpose we employed modified SERVQUAL model with four dimensions such as empathy, competence, reliability, and online service. An adapted questionnaire was used to carry out this survey research, and collected 830 responses from the customers of Pakistani banking industry. We used factor analysis, confirmatory factor analysis, and bootstrapping methods to carry out this research. The results of the study demonstrated that our four-dimensional model of modified SERVQUAL has a significant impact on overall customer satisfaction. It is further concluded from the bootstrapping method that modified SERVQUAL dimensions and customer satisfaction are positively mediated by the perceived value and trust. Finally, it is also concluded that the implementation of technology serves as moderating variable in the banking sector. The outcomes of this research are beneficial to the senior management of banking sector in order to implement the effective and customised online banking structure to gain competitive advantages, and provide vibrant online banking services that enhance the standard and ease of services to the customers and earn their confidence. The originality and novelty of this research provide a significant contribution in the application of SERVQUAL model specifically for the banking service quality dimensions and customer satisfaction in marketing research.

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.

Ecuador banking sector is set for a comeback

2018 ◽  
Keyword(s):  
Private Sector ◽  
Central Bank ◽  
Banking Sector ◽  
Bank Lending ◽  
Foreign Banks ◽  
Economic Recovery ◽  
Content Type ◽  
Loan Growth ◽  
Double Digit

Subject Banking sector prospects. Significance Private sector banks in Ecuador enjoyed strong double-digit loan growth last year -- a reflection of the troubled economy’s gradual emergence from recession. That economic recovery, and the pragmatic willingness of President Lenin Moreno to work with the private sector, is generating optimism regarding the prospects of the country’s banking sector. Impacts Strong bank lending is key for economic recovery, allowing firms to increase investments and consumers to spend more. Taking the E-money system from the central bank shows Moreno’s pragmatism vis-a-vis the private sector. The planned sale of state-owned lender Banco del Pacifico could attract the interest of foreign banks.

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

2019 ◽  
Vol 13 (2) ◽  
pp. 12-23 ◽  
Author(s):  
Varuna Agarwala ◽  
Nidhi Agarwala
Keyword(s):  
Growth Rate ◽  
Private Sector ◽  
Banking Sector ◽  
Banking Industry ◽  
Geometric Mean ◽  
Secondary Data ◽  
Statistical Tool ◽  
Average Growth ◽  
Content Type ◽  
Nationalised Banks

Purpose The 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/approach The 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. Findings The 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/value The 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.

scholarly journals Implications of Retrenchment in the Banking Industry for Economic Growth: A Study of Selected Commercial Banks in Uyo, Nigeria

2017 ◽  
Vol 15 (2) ◽  
Author(s):  
Ubong Nnana Umanah ◽  
Aniefiok S. Ukommi ◽  
Ambrose Osita Agwu
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Negative Effects ◽  
Secondary Sources ◽  
Banking Reforms

The study identifies and analyses the sociological implications of workers’ retrenchment in the banking industry on Nigeria’s economic growth using selected commercial banks in Uyo as reference. The paper argues that banking reforms in terms of rationalization, capitalization and merger have negative effects on economic growth (rather than enhancing the development) of any country. Data were gathered from selected commercial banks in Uyo, Akwa Ibom State of Nigeria through the use of questionnaires and from secondary sources such as statistical publications and other relevant materials. Findings show that retrenchment of workers in the banking industry instead of promoting growth resulted in loss of depositors’ confidence in the banking sector which also brought about loss of funds in the banking system and therefore stunt economic growth. The study recommends that training and retraining of workers should be given priority attention in the industry to improve their capacity for new demands.

scholarly journals IDENTIFYING KEY BARRIERS TO CUSTOMER RETENTION IN BANKING SECTOR OF PAKISTAN

2017 ◽  
Vol 13 (1) ◽  
pp. 133-147
Author(s):  
Zaid Bin Khalid ◽  
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Customer Retention ◽  
Extensive Literature ◽  
Interpretive Structural Modeling ◽  
Top Managers ◽  
Time Period ◽  
The Matrix ◽  
Cross Reference ◽  
Practical Implications

Objectives- The purpose of this research is to find out the barriers to customer retention in banking sector of Pakistan. This paper aims to enhance the understanding about the barriers that influence the customer retention in banking organizations. Methodology – A qualitative mathematical based technique called interpretive structural modeling (ISM) is employed to identify the barriers and to understand interaction and mutual relationships among them. Findings – Seven barriers to customer retention are identified through extensive literature review and subsequent opinions of experts from banking industry and academia. Contextual relationships have been established and ISM based model is developed to represent the mutual interaction among diagnosed barriers. The matrix cross-reference multiplication applied to a classification (MICMAC) analysis has also been carried out to classify the nature of barriers according to their dependence and driving power. Practical Implications – The adoption of ISM based hierarchical model in this study would help in understanding the barriers and provide useful insights to top managers and policymakers of banking sector who want to focus and minimize these barriers in order to retain their customers for a longer time period.

scholarly journals Excellency in banking services - A new road map for banks in the emerging new competition

2011 ◽  
Vol 1 (1) ◽  
pp. 32-40 ◽  
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Banking Sector ◽  
Quality Parameters ◽  
Foreign Banks ◽  
Survey Study ◽  
Banking Services ◽  
Empirical Survey ◽  
Public Sector Banks ◽  
Road Map

The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availability regarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking services and on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

scholarly journals Characterization of Adopters and Non Adopters of Credit Cards in Indian Banking Industry

2017 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Kamalpreet Kaur ◽  
Mandeep Kaur
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Credit Cards ◽  
Recent Issue ◽  
Public Sector Banks ◽  
Time Period ◽  
Financing Pattern ◽  
Asset Quality ◽  
Delivery Channel

In Indian banking industry, plastic cards can be considered as one of the product as well as process innovation in which Credit Cards have gained prominence as a delivery channel for conducting banking transactions. The present study investigates the recent issue related to the launch of one of the innovation in plastic cards in Indian Banking Sector. The main objective of the study is to identify the characteristics of the banks which could have been affected with the adoption of Credit Cards. For this purpose, all the scheduled commercial banks (79 in number which consists of 27 Public Sector Banks, 23 Private Sector Banks and 29 Foreign Sector Banks) have been taken as sample. The whole sample of banks has been categorized into adopter and non adopter groups. The time period of the study is of 14 years i.e. from 2000 to 2013. Various Bank specific variables Viz. Age, Efficiency, Size, Asset Quality, Profitability, Diversification, Capitalisation, Cost of Operations, Financing Pattern, Liquidity and Industry Advantage have been taken into consideration which may help to demarcate adopters and non adopters. It has been concluded that the initiators and adopters take advantage over the non adopter ones and thus former have found to perform better in terms of various parameters. Overall, the adopter banks are larger in size, older in age, more profitable, having lesser branches, more market share and more liquid as compare to late adopter ones.

scholarly journals Impact of Digital Banking in India: Trends & Challenges

2020 ◽  
pp. 69-73
Keyword(s):  
Economic Growth ◽  
Banking Sector ◽  
Banking Industry ◽  
Human Life ◽  
Secondary Data ◽  
Short Time Period ◽  
Indian Economy ◽  
Time Period ◽  
Bank Accounts ◽  
Short Time

For the growth of any country’s economy various sectors play a very important role. In the Indian economic growth banking sector is the most important aspects. Banking sector become the backbone of Indian economy. Any changes regarding technology or other aspects directly impact the growth of the economy. With the change in technology various changes occur in banking sector. Now more of customers are educated. They don’t want to stand in queue for various activities like: Make payments, Deposit Cheque, Open bank accounts, Deposit Cheque and many more. With the change in time now digital banking introduced and it proves a star for the banking sector. Today’s era accept this digital banking concept very easily and in a short time period it become more demanded mode of transaction in the market. In this paper we analyse the concept of digital banking. How it effects the human life. The research is based on secondary data. The concept of digital banking in banking industry brings numerous opportunities. But with every benefits some risk also introduced. And this digital banking also come with some risk.

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