scholarly journals E-Age Technology–New Face of Indian Banking Industry: Emerging Challenges and New Potentials

2011 ◽  
Vol 1 (3) ◽  
pp. 115-129 ◽  
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Human Resource Development ◽  
Banking Sector ◽  
Banking Industry ◽  
Foreign Banks ◽  
Work Culture ◽  
The Public ◽  
Public Sector Banks ◽  
Banking Structure ◽  
Process Work

The present paper analyzes the performance of major banks in terms of productivity and profitability in the pre and post e-banking period. Under the regime of banking sector reforms, IT Act of 1999 gave new dimensions to the Indian banking sector. IT has created transformation in banking structure, business process, work culture and human resource development. It has affected the productivity, profitability and efficiency of the banks to a large extent. The paper concludes that performance of all the banks under study is much better in post-e-banking period and further foreign banks are at the top position, whereas the performance of the public sector banks is comparatively very poor. The paper suggests some measures to tackle the challenges faced by the banks particularly public sector banks. At the end, paper suggests how public sector banks can convert the emerging challenges into opportunities.

scholarly journals Banking Sector Reforms: Policy Implications and Fresh Outlook

2011 ◽  
Vol 2 (2) ◽  
pp. 55-64
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Policy Implications ◽  
Foreign Banks ◽  
Public Sector Banks ◽  
Global Challenges ◽  
The Future ◽  
Global Banks

Various reform measures introduced in India have indeed strengthened the Indian banking system in preparation for the fresh global challenges ahead. The present paper reviews the banking sector reforms policy, crucial issues and agenda for the future. On the basis of certain parameters, like productivity, profitability and NPAs’ management, the paper concludes that foreign banks and new private sector banks are much better in performance as compared to our nationalized banks in the post-banking sector reforms period. The paper ends with the future agenda for the Indian banking industry, particularly for public sector banks to make them efficient and strong, to compete with the global banks.

scholarly journals Betterment in Customer Service Indicating Improvement in Work Culture-A Case Study of United Bank of India (UBI)

2014 ◽  
Vol 1 (2) ◽  
pp. 79-93
Author(s):  
Arunava Narayan Mukherjee
Keyword(s):  
Public Sector ◽  
Customer Service ◽  
Banking Sector ◽  
Work Culture ◽  
The Public ◽  
Public Sector Banks ◽  
Day To Day Operations ◽  
Set Up ◽  
The One

With the initiation of the process of liberalization and reform of the financial sector, banking in India has undergone significant changes. The banking sector had to adapt rapid and radical changes. The environment became more challenging for Public Sector Banks as a good number of them survived merely by the grace of state protectionism and were administered in extremely inefficient manner which caused them to go to bankruptcies quite often. The employees of these banks with secured employment under the shield of all powerful unions were blissfully indifferent towards quality of performance particularly customer service and profitability of the bank. In face of the increasing competition where banking industry as a whole was striving to achieve greater efficiencies in their day-to-day operations, some of the Public Sector Banks actually confronted with existential crisis. The Public Sector bank under study - United Bank of India (UBI) was declared by 1999 as the one among ― the weakest in all the banks‘‘ by the Verma Committee set up by Reserve Bank of India. There was an urgent need for UBI to transform itself for bare survival and to meet the shifting requirements of the new turbulent environment.This case study narrates the transformation of UBI from one of ― the weakest in all the banks ‘‘ of India to a successful Public Sector Bank capable of providing better customer service which undoubtedly signifies improvement in the bank‘s work culture.

scholarly journals Editorial

2007 ◽  
Vol 6 (2) ◽  
pp. v-vi
Author(s):  
Leena James
Keyword(s):  
Information Technology ◽  
Public Sector ◽  
Social Movement ◽  
Banking Sector ◽  
Work Process ◽  
The Public ◽  
Customer Base ◽  
Public Sector Banks ◽  
National Bank ◽  
The Impact

The eleventh issue of Ushus brings to you a wide variety of scholarly articles encompassing socio-economic and managerial issues. The first paper "Information technology and banking sector with reference to customer satisfaction" focuses on the impact of automation of the public sector banks as per the reflections of the bank officials and the customers. The crest of the article lies in the fact that the customers are being able to keep abreast with the exchange of automation in the modern banking practices and the survey brings out their perception towards it and throws some light on the effective ways to deal with this crisis. The study concludes with the analytical results that public sector bank customers have a positive inclination towards technological upgradation but the banks need to be more flexible in their work process and focus on marketing themselves in order to entrap a larger customer base. The paper titled "Administration of micro-credit by national bank" talks about the successful micro-finance initiatives taken by NABARD how aptly they had been implemented and evolved as a sustainable social movement over a decade now.

scholarly journals Non Performing Assets: A Study of Pithoragarh District Co-Operative Bank Ltd. (Uttarakhand)

2018 ◽  
Vol 8 (03) ◽  
Author(s):  
Vimal Kumar Joshi ◽  
C. S. Joshi
Keyword(s):  
Public Sector ◽  
Banking Sector ◽  
Major Portion ◽  
The Public ◽  
Public Sector Banks ◽  
Nationalised Banks

Now a days the Indian banking sector has been facing serious problems of raising Non – Performing Assets. Non – Performing Assets are a burning topic of concern for the public sector banks, as managing and controlling NPA is very important. A well – built banking sector is significant for a prosperous economy. The crash of banking sector may have an unfavourable blow on other sectors. A banker should be very cautious in lending, because banker is not lending money out of his own pocket. A major portion of the money lent comes from the public deposits and government share. At present NPA is increasing year by year in nationalized banks. According to the RBI data the Gross NPA of nationalised banks as on end of September 2017 hits 7.34 lakh crore. In this direction present paper is undertaken to study the reasons for advances becoming NPA of the Pithoragarh District CO- Operative Bank ltd and to give suitable suggestions to overcome the mentioned problem.

scholarly journals Information Technology and Banking Sector With Reference to Customer Satisfaction

2007 ◽  
Vol 6 (2) ◽  
pp. 1-17
Author(s):  
K J Raman ◽  
A Marcus
Keyword(s):  
Information Technology ◽  
Public Sector ◽  
Banking Sector ◽  
Main Concern ◽  
The Public ◽  
Public Sector Banks ◽  
Wide Range ◽  
New Development ◽  
Chennai City ◽  
The Impact

Raman and Marcus (2007) have studied the impact of Automation in Public sector Banks as per the reflections of bank customers and bank officials belong to Chennai region. Marcus (2006) studied the public sector banks with special reference to selected branches in Chennai city and the perception of customers due to inception of Information Technology in the banking sector. Customers vary in their perception on information technology. In reality, customers are not against for automation and IT inception. The main concern for them is the delay in transaction due to technical snag and the increased cost of operation due to automation. Most of the customers have accounts in the private sector banks and they are well informed about the new development and up gradation that is happening in those banks. The customers believe that crores of money is being spent by the banks in the name of developing software, training the staff in IT and in providing better ambience to keep abreast with the private banks, but the ultimate outcome of which is not noteworthy.The present study is based on the reflections of 674 bank customers of the public sector banks who have various types of bank accounts in the branches of Chennai city. Branches of public sector banks in Chennai city, consisting of 19 nationalized banks and State Bank of India with its 7 Associates were covered in the process. A wide range of customers through various domains of banking operations have been studied to identify their overall perception.

Banking in India: Evolution, Performance, Growth and Future

2020 ◽  
Vol 66 (3) ◽  
pp. 312-326
Author(s):  
Nand L Dhameja ◽  
Shilpa Arora
Keyword(s):  
Economic Development ◽  
Public Sector ◽  
Banking Sector ◽  
Financial System ◽  
Significant Part ◽  
The Public ◽  
Public Sector Banks ◽  
Bright Future ◽  
Private Banks ◽  
Performance Challenges

Banks, a significant part of financial system of a country, are essential for its economic development. They have developed over the years and are faced with the challenges for the bright future. The article discusses development and future of banking sector in India in the light of the reforms over the years and is divided into four parts. The paper traces evolution and significance of banking, discusses reforms during pre-liberalisation and post-liberalisation as recommended by various Committees, namely, Narasimham Committees (1991 & 1998), Verma Committee (1996) and Khan Committee (1997) along with the structural and operational reforms. The performance challenges in terms of fee-based income, profitability, credit deposit ratio, business and profitability per employee are highlighted, comparing the public sector banks and private banks.

HRM Practices In Commercial Banks: A Discriminant Analysis Among Public And Private Sector Banks

Think India ◽  
2019 ◽  
Vol 22 (2) ◽  
pp. 214-221
Author(s):  
E. RUSHIT GNANA ROY ◽  
P. JEGAN
Keyword(s):  
Public Sector ◽  
Human Resources ◽  
Private Sector ◽  
Banking Industry ◽  
Public And Private ◽  
The Public ◽  
Public Sector Banks ◽  
Hrm Practices ◽  
Knowledge Based ◽  
Public And Private Sector

Since the banking industry is a knowledge based industry it is essential to transfer the staff recruited into valuable human resources for the banks. It can be done by the provision of adequate skills, knowledge, competences and talents to the human resources. The investment n HRM is essential and inevitable in banking industry, since the return on investment on HRM practices for higher than its cost. With this background, that rate of implementation of HRM practices is banks was analysed. The study revealed that implementation of HRM practices at private sector banks are higher compared to public sector banks. The public sector banks should realise the importance of implementation of HRM practice in order to enrich their performance.

Measuring Service Quality of Commercial Banks in an Underdeveloped Economy

2014 ◽  
pp. 256-267
Author(s):  
M. P. Bezbaruah ◽  
Basanta Kalita
Keyword(s):  
Public Sector ◽  
Service Quality ◽  
Commercial Banks ◽  
Banking Sector ◽  
Quality Standard ◽  
Reform Era ◽  
The Public ◽  
Public Sector Banks ◽  
Private Banks

In the post-reform era, quality delivery of the services has acquired centre point of the service industry around the globe. The banking sector being purely a service-related industry has been influenced more by the issue of providing quality service. With the entry of private banks, the banking sector has gone through many transformations including the way services are extended. In a backward state like Assam, this has arrived a little late, but the changes are gradually visible. The chapter captures the service quality standard of the Scheduled Commercial Banks (SCBs) and also for the different bank groups in order to make a comparison. The SERVPERF scale is used to study the replies of the customers in two cities, Guwahati and Tezpur, and some econometric tools are used to analyse the data. The study reveals that the private sector banks are far ahead of the public sector banks in terms of quality of service. The private banks influence the service quality of the SCBs the most among all the bank groups. Overall, the public sector banks, which are the dominant market players, will have to work hard to catch the level of the private banks.

The Factors Influencing the Non-Performing Assets in the Indian Banking Sector: An Economic Analysis

2018 ◽  
Vol 9 (10) ◽  
pp. 21080-21086
Author(s):  
Bhaarathi .N ◽  
M. Thilagavathi
Keyword(s):  
Public Sector ◽  
Economic Analysis ◽  
Banking Sector ◽  
Secondary Data ◽  
Test Statistics ◽  
Hausman Test ◽  
The Public ◽  
Public Sector Banks ◽  
Factors Influencing ◽  
Asset Data

Non-Performing Assets are a burning topic of concern for the public sector banks, as managing and controlling NPA is very important. The current paper with the help of secondary data, from RBI website, tried to analyse the 8 years, (2010-2018) net non-performing asset data of 26 public sector banks, by using Hausman test statistics, and with the help of Stata software. The main objective of the study is to find out the factors influencing the Non-Performing Assets in the Indian Banking Sector. This paper also focuses on the reason behind the NPA and its impact on banking operations.

Analysis of Banking Industry by Using Camel Model with Special Emphasis on Selected Indian Public Sector Banks

2016 ◽  
Vol 11 (02) ◽  
Author(s):  
Mamta Shah ◽  
Mahua Dutta
Keyword(s):  
Public Sector ◽  
Banking Sector ◽  
Banking Industry ◽  
Financial Sector ◽  
High Rate ◽  
Public Sector Banks ◽  
The Face ◽  
Growing Economy ◽  
Domestic Inflation ◽  
Model Approach

India is among the fastest growing economy in the world. The growth of any economy is largely depending on its financial sector. One of the components of financial sector is the banking sector. The growth of banking industry plays a major role in the development of that economy. If we go to past we can see that over the couple of years the Indian Banking sector has shown a high rate of buoyancy in the face of high domestic inflation, rupee depreciation, and due to fiscal uncertainty. Even our central bank has adopted various measures to stimulate growth and overall development of the sector. The present paper discuss the analysis of banking industry specially our public sector banks by using CAMEL model approach.

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