scholarly journals A COMPARATIVE EXAMINATION OF NON-PERFORMING ASSET MANAGEMENT OF BANKS IN INDIA

Author(s):  
Esha Jain ◽  
Jonika Lamba ◽  
Nitika Soni

The Indian economy is facing a financial crunch due to a surge in the number of credit defaulters. The debt crisis has been observed throughout the world. NPAs are found to be at the center of the economic problem of the banks. The drive of this learning is to explore the influence of non-performing assets (NPA) on the financial performance of the banks and to analyze gross and net non-performing assets in public, private and foreign banks and assess the soundness, assets quality, stability, and competence of banks. It was found that there is positive relation in all over banking industry between Total income and Gross Non-Performing Asset whereas negative relation in case of total profit and gross NPA. This means that with an increase in total income there is an increase in Non-Performing Asset on the contrary there will be a decrease in profit with an increase of Non-Performing Assets. But if we categorized them into private, public, and foreign they all have different natures.

Author(s):  
Karigoleshwar .

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


2017 ◽  
Vol 18 (5) ◽  
pp. 974-1004 ◽  
Author(s):  
Rizwan Raheem AHMED ◽  
Jolita VVEINHARDT ◽  
Dalia ŠTREIMIKIENĖ ◽  
Muhammad ASHRAF ◽  
Zahid Ali CHANNAR

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.


2012 ◽  
Vol 13 (3) ◽  
pp. 232-243 ◽  
Author(s):  
Abraham Nii Adoteye Saka ◽  
Anthony Q. Q. Aboagye ◽  
Albert Gemegah

2015 ◽  
Vol 65 (s2) ◽  
pp. 55-69
Author(s):  
Long Zhang ◽  
Steven Shwiff ◽  
Qun Xu

A 2010 banking survey of 42 foreign bank executives by Price Waterhouse Coopers ranked competition from “domestic” Chinese banks as their primary concern. This outranked the “regulatory environment” which had been number one for the previous two years. Several reasons were cited by foreign bank managers but three stand out: (1) declining market share for foreign banks due to reduced number of multinationals doing business in China, (2) foreign banks reluctance to lend locally due to the global economic slowdown, (3) the aggressive lending strategies of Chinese banks. This paper focuses on the new reality of contemporary Chinese banking practice. We believe Chinese banks are learning and adapting. They are gaining expertise in a wide array of bank operations such as asset management, branching, securities, leasing and many more. To better understand the nature and context of growing Chinese bank competitiveness, we introduce and apply the concept financial “econiche”. Financial econiche refers to the learning and adapting that takes place in a specific financial “ecological” surrounding with attention paid to the macroeconomic need for harmonious development. Econiche theory borrows heavily from similar ideas in the natural world. We construct an evaluation indexation system based on the econiche theory, and use Huaxia bank as a case study.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Pooja Singh Negi ◽  
Ramesh Chandra Dangwal

PurposeThe purpose of the present study is to identify the core cultural aspects perceived by the executives of public, private and foreign banks in India.Design/methodology/approachOf the 124 responses, 96 usable responses were assessed from middle and lower level managers. Qualitative content analysis and deconstruction method were used to identify the perceived cultural aspects.FindingsInterestingly, managers of Indian banking industry stated that cultural aspects of their banks possess good work and working environment, prefer people, management, experience and promotions in comparison to other factors like policy, bonus, market, commitment, project, etc. It is also noted that cultural aspects of banks prefer learning, training and team working.Practical implicationsAssessment of the perception of managers toward their culture will foster the banks to develop integral subculture and to achieve the long-term organizational goals.Originality/valueThe study analyze the cultural aspects in Indian banking industry qualitatively, based on executives characteristics. This qualitative analysis helps to find out more contemporary and prevailing factors of banks.


2014 ◽  
Vol 13 (3) ◽  
pp. 63-76
Author(s):  
Juliana Rabelo Melo ◽  
Sérgio Henrique Arruda Cavalcante Forte ◽  
José Milton De Sousa Filho

Brazil began 2013 year with the announcement of the Central Bank of Brazil (BCB) on whether to authorize the entry of new nineteen foreign banks. Moreover, there are barriers to entry in any market. They are structural and can be hardly changed by potential entrants. The research investigates what are the entry barriers the foreign banks will face in the Brazilian market. The theory indicated the barriers should be surveyed, and other specific barriers emerged from consultation with 112 experts from the banking market. They were divided into market barriers and institutional barriers. The research consulted in 2013 the national regulator bank (BCB) and 39 domestic and foreign banks. The analysis was descriptive and explanatory using factor analysis and logistic regression. For the analysis it was considered as dependent variable the type of bank (domestic or foreign), and as predictors variables the entry barriers. As a result, it was seen that the barriers of market are representative and the institutional barriers showed no significance, which shows the strength of the banking industry in Brazil


2014 ◽  
Vol 1 (4) ◽  
pp. 122-128
Author(s):  
Yagoub Elryah

Numerous studies focus on the Islamic banking performance, banks’ growth. There are, however, very little is known about the drivers’ growth of Islamic banking. The paper attempted to fill this gap. To achieve the objectives of the study, we consider government financial strategies for Islamic banking in Malaysia (Master Plan financial services 2000-2010 and Blueprint financial sector plan 2011-2020) and interviews the policy makers and regulators from BNM and selected banks. In this context, we explored the drivers’ growth Islamic banking industry in Malaysia for the period 2002-2012. The findings of the study revealed that the government strategies, high skilled banker’s human resources, financial stability, foreign banks, innovative products, awareness of the customers and quality of the financial and regulatory reforms were main drivers’ growth of Islamic banking in Malaysia. DOI: http://dx.doi.org/10.3126/ijssm.v1i4.10626 Int. J. Soc. Sci. Manage. Vol-1, issue-4: 122-128 


1970 ◽  
Vol 6 (1) ◽  
pp. 1-14 ◽  
Author(s):  
Abu Baker Siddique ◽  
Khondoker Sazzadul Karim ◽  
Md Lutfor Rahman

This paper investigates the determinants of perceived service quality among the customers of domestic and foreign banks in Dhaka, Bangladesh using a modified version of SERVQUAL model. It finds that in general the foreign banks provided marginally better measures in most of the dimensions than did the domestic banks. For domestic private banks reliability, communication, credibility, security, and tangibility are found to be significantly affecting the service quality. On the other hand, for foreign banks, reliability, credibility, and tangibility are the only significant factors affecting their service quality.Keywords: Determinants of Service quality; Banking industry; Bangladesh; SERVQUAL Model.DOI: http://dx.doi.org/10.3329/jbt.v6i1.9991  Journal of Technology (Dhaka) Vol. 6(1), January-June, 2011 1-14


2020 ◽  
Vol 4 (1) ◽  
pp. 29-52
Author(s):  
Sheikh Muhammad Umer Farooq ◽  
Muhammad Zubair Mumtaz

This study empirically examines the relationship between the banking competition and the risks faced by the financial sector (i.e. solvency, liquidity, and credit risks) considering 31 banks for the period 2001 to 2018. Banks are further sub-divided into three categories i.e. state-owned banks, foreign banks, and private/commercial banks. The results reveal that Pakistan’s banking industry is relatively elastic and an increase in competition is directly associated with solvency risk, liquidity risk and credit risk of financial institutions and these findings corroborate the competition fragility theory. Besides, state-owned banks have a lesser probability to cope with solvency risk, however, foreign banks appear to face the least liquidity risk whereas private banks appear to face the least credit risk among the entire cluster.


TRIKONOMIKA ◽  
2021 ◽  

Micro, small, and medium enterprises (MSMEs) have strategic roles in economic structure, especially in developing countries, so, they need supports from the banking industry, including foreign banks, by giving loans they need. This study aims to find the effect of bank ownership and mode of entry on credit allocation to MSMEs. We use 110 samples of conventional commercial banks and 41 samples of foreign-owned banks in Indonesia during 2010-2017, with 686 and 266 observations. The results of multiple regression show that banks with government ownership have higher credit allocation to MSMEs than non-government ownership and banks with foreign ownership have lower credit allocation to MSMEs than domestic ownership. Based on their mode of entry, banks with foreign ownership via greenfield have lower credit allocation to MSMEs than via takeover.


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