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

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.

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Innovative HRM Practices: A Comparison of Public and Private Sector Banks of India

MANTHAN Journal of Commerce and Management ◽

10.17492/manthan.v2i1.6432 ◽

2015 ◽

Vol 2 (1) ◽

Author(s):

Harjeet Kour ◽

Kamlesh Gakhar

Keyword(s):

Public Sector ◽

Private Sector ◽

Performance Management ◽

Primary Data ◽

Public And Private ◽

The Public ◽

Public Sector Banks ◽

Hrm Practices ◽

Significant Difference ◽

Public And Private Sector

Due to globalisation, public sector banks are facing tough competition from the private sector banks, both domestic and foreign. To improve their efficiency and to excel in performance, they have realised the significance of innovative HRM practices, which were earlier being used largely by private sector banks. The present study is based on primary data collected from four hundred two employees of eight banks of India comprising of four banks each from the public and private sector. We examine if there is any statistically significant difference between public and private sector banks in the implementation of forty nine innovative HRM practices. These practices fall under seven different heads: recruitment and selection, training and development, performance management, compensation management, career development, employee motivation and employee security. The results of the t-tests indicate that in the area of innovative HRM, organisational policies and practices in the public and private sectors remain different in many important respects. It has been found that the private sector banks are far ahead of the public sector banks regarding the implementation of these practices. Further, it has been found with the help of different statistical tools that the level of implementation of these innovations in the eight surveyed banks also varies when examined individually.

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Service Quality in Public and Private Sector Banks of India

International Journal on Customer Relations ◽

10.21863/ijcr/2016.4.1.016 ◽

2016 ◽

Vol 4 (1) ◽

Cited By ~ 1

Author(s):

Shruti Agrawal ◽

Mansh Mittal ◽

Ratish Gupta

Keyword(s):

Public Sector ◽

Service Quality ◽

Private Sector ◽

Financial Services ◽

Banking Sector ◽

Public And Private ◽

Public Sector Banks ◽

Significant Difference ◽

Private And Public ◽

Public And Private Sector

Banking sector and its performance play an important role in an economy. The current scenario of Indian banking sector is very dynamic and competitive. To maintain market share it is necessary for banking institutions to acquire large customer base. Customers today are very much aware about various financial services and institutions, moreover they are spoilt for choice. Therefore they can only be retained by providing quality services. The present study focuses on the service quality and customer satisfaction among private and public sector banks in India. It also attempts to compare service quality gaps between customer expectation and satisfaction regarding banking service. The outcome of the study shows that service gap is lower in private sector banks than public sector banks. Reliability and assurance are the dimensions where no significant difference has been observed between public and private sector banks.

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Financial Efficacy of Selected Public and Private Sector Banks in India

International Journal of Finance & Banking Studies (2147-4486) ◽

10.20525/ijfbs.v2i2.143 ◽

2013 ◽

Vol 2 (2) ◽

pp. 26-31

Author(s):

S Ayyappan ◽

M SakthiVadivel

Keyword(s):

Public Sector ◽

Private Sector ◽

Public And Private ◽

The Public ◽

Financial Variables ◽

Public Sector Banks ◽

Number Of Factors ◽

Private And Public ◽

Public Banks ◽

Public And Private Sector

The banks in India have over 67,000 branches located across the country. All these are classified into two major categories, nonscheduled banks and scheduled banks. Scheduled banks includes commercial banks and the co-operative banks. The public sector banks are accountable for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally with already existing public sector banks. so it is very essential to analyze how their financial performance is influenced by number of factors which willfurther suggest them where they need to concentrate more. in this article we have analyzed the correlation between return on total assets and other financial variables of selected private and public banks in India.

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Comparative Study on the Overall Performance of Merged Public Sector Banks and Private Sector Banks using CAMEL Model

International Journal of Management, Technology, and Social Sciences ◽

10.47992/ijmts.2581.6012.0168 ◽

2021 ◽

pp. 244-255

Author(s):

S. M. Riha Parvin ◽

Catherine Nirmala ◽

Niyaz

Keyword(s):

Public Sector ◽

Private Sector ◽

Critical Examination ◽

Public And Private ◽

Public Sector Banks ◽

Significant Difference ◽

Main Motive ◽

Overall Performance ◽

The Government ◽

Public And Private Sector

Purpose: The main motive of this research was to assess the overall functioning of public sector banks before merger and after the merger. At the same time effective comparison is been undertaken between public and private sector banks. One of the most crucial practices of evaluating the performance of bank involves critical examination of account statements concerning annual report. Major parameters for evaluating the Banks’s performance include assessment of adequate capital, quality of assets, ability of management to control the risk, earning capacity and liquid adequacy to meet the monetary obligations by the banks. Impact of merger on the bank’s performance are measured and compared to judge its effectiveness. Methodology: Quarterly published financial statements from 2019-20 to 2020-21 of selected banks are used for the analysis. Analysis is based on CAMEL model where the performance is rated on a scale of 1 to 5 on the basis of rating analysis. This study applied t-test as inferential statistics to draw a conclusion based on a comparative analysis. Findings: The study revealed there is significant difference in the performance of selected merged public sector banks and private banks and it was found that even after the merger of public sector banks it is not able to strive against private sector banks in their overall performance. Originality: It may be helpful to the government in making the merger an effective strategy by changing its policies and practices in consolidating the banks. Banking sectors are the major contributor to country’s GDP hence the result of this study can be utilized to improve both public and private sector banks. Utilitarian Implication: This study will be valuable and pragmatic to the various stakeholders like investors, banking sectors, government, employees, customers, management and society as a whole to maintain their stake in these banks. Paper Type: Analytical Research

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

International Journal of Emerging Research in Management and Technology ◽

10.23956/ijermt.v7i3.8 ◽

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.

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Research from China finds no significant difference in impact of public service motivation (PSM) in public and private sectors

Human Resource Management International Digest ◽

10.1108/hrmid-08-2021-0169 ◽

2021 ◽

Vol ahead-of-print (ahead-of-print) ◽

Keyword(s):

Public Sector ◽

Private Sector ◽

Employee Performance ◽

Intention To Leave ◽

Public And Private ◽

Content Type ◽

The Public ◽

Significant Difference ◽

Set Up ◽

The Impact

Purpose The authors assumed PSM would be higher in the public sector, but they set up a trial to find out if this was the case. Design/methodology/approach To test their theories, the authors conducted two independent surveys. The first consisted of 220 usable responses from public sector employees in Changsha, China. The second survey involved 260 usable responses from private sector employees taking an MBA course at a university in the Changsha district. A questionnaire was used to assess attitudes. Findings The results found no significant difference between the impact of public sector motivation (PSM) on employee performance across the public and private sectors. The data showed that PSM had a significant impact on self-reported employee performance, but the relationship did not differ much between sectors. Meanwhile, it was in the private sector that PSM had the greatest impact on intention to leave. Originality/value The authors said the research project was one of the first to test if the concept of PSM operated in the same way across sectors. It also contributed, they said, to the ongoing debate about PSM in China.

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Customer Engagement with Social Media Bank Pages with Reference to Facebook

International Journal of Recent Technology and Engineering - 2 ◽

10.35940/ijrte.b1402.0982s1119 ◽

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.

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Relative Study of Public Sector Banks with Private Sector and Foreign Banks

Journal of Research THE BEDE ATHENAEUM ◽

10.5958/0976-1748.2014.00008.3 ◽

2014 ◽

Vol 5 (1) ◽

pp. 63

Author(s):

Unnatti Chauhan

Keyword(s):

Public Sector ◽

Private Sector ◽

Foreign Banks ◽

Public Sector Banks

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Job Involvement and Job Satisfaction of Bank Officers: Role of Type of Organization and Gender

Journal of Business Management and Information Systems ◽

10.48001/jbmis.2014.0101001 ◽

2014 ◽

Vol 1 (1) ◽

pp. 1-17

Author(s):

Anita Sharma

Keyword(s):

Job Satisfaction ◽

Public Sector ◽

Private Sector ◽

Job Involvement ◽

Private Bank ◽

Public And Private ◽

Significant Difference ◽

And Gender ◽

Female Officers

The main objective of the present study was to examine and compare the level of job involvement and job satisfaction of public and private bank officers. A 2X2 Factorial design was used to study the role of organization and gender on job involvement and job satisfaction The sample of the study comprised of forty bank officers who were divided into two groups of organization i.e. private banks (n=20) and government banks (n=20), these subjects were further divided into two sub-groups based on genders, males (n-10) and females (n=10) included in equal number. Results revealed significant differences between public and private bank officers and males and females and were in line with all the hypotheses on all the variables. The main findings were: (1) the public and private sector bank officers differed significantly on the variable of job involvement as the mean value of private sector bank officers was significantly higher as compared to public sector bank officers. (2) There was a significant difference for gender on the variable of job involvement. The female officers reported higher level of job involvement as compared to their counterparts viz. males of both the sectors irrespective of their organizations. (3) There was a significant difference for groups on the variable of job satisfaction. The job satisfaction of private sector bank officers was significantly higher as compared to public sector bank officers. (4) There was a significant difference for gender on the variable of job satisfaction. The female officers of both the sectors reported significantly higher level of job satisfaction to that of males.

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Public Vs Private Managers: A New Perspective

Journal of Business & Economics Research (JBER) ◽

10.19030/jber.v7i3.2264 ◽

2011 ◽

Vol 7 (3) ◽

Author(s):

Gadis Nowell

Keyword(s):

Public Sector ◽

Private Sector ◽

Research Literature ◽

Font Size ◽

First Line ◽

Public And Private ◽

Significant Difference ◽

Important Exception ◽

Upper Level ◽

New Perspective

Does management in the public sector differ from that in the private sector?  Most of the research evidence relating to this question suggests no significant difference between the two sectors.  Nonetheless, the studies in this area have an important limitation , i.e., they have   focused almost exclusively  on the perspectives and activities of "senior" and "upper-level" managers while largely ignoring those on the front line - the "first-line supervisors".  Are there, for instance, differences between public and private managers at the first-line supervisory    level?  The results of this study support a negative response to this question, but with one important exception.  Specifically, “training employees” was found to be a relatively more important   activity for public sector supervisors, as compared to their private sector counterparts.  This is a surprising finding, in that the private sector is known to have a higher rate of employee turnover and, therefore, an assumed greater need for training new hires.  There is no obvious explanation for this result and, to our knowledge, there is nothing in the research literature that helps to explain it.  It therefore represents an important new area of research that needs further exploration.

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