scholarly journals Financial Performance of Select Public and Private Sector Banks in India by using “Camel Model”

2019 ◽  
Vol 8 (6S4) ◽  
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Financial Performance ◽  
Capital Adequacy ◽  
Public And Private ◽  
Public Sector Banks ◽  
National Bank ◽  
Indian Banks ◽  
Public And Private Sector ◽  
Asset Quality

CAMEL model analysis is an important tool to analyse the banks’ and financial institutions’ performance and to suggest the necessary measures for its improvement where it is required. In the present study, Indian banks- five public and five private sector banks based on its total assets have been considered. This study is taken up for the five year period from 2012-17. The present study analyses the financial performance of the select banks. Five parameters of CAMEL- Capital Adequacy, Asset Quality, Management Efficiency, Earnings Ability and Liquidity are considered to rank the banks on its performance. The study found that Kotak Mahindra has performed better and ranked first among all the banks and Punjab National bank ranked the least position. Among all, private sector banks have outperformed compared to public sector banks. The top five positions are of private sector banks and Bank of Baroda being public sector bank ranked top third with HDFC bank.

scholarly journals Financial Performance of Banks in India: Are Banks Sound Enough to be Banked Upon

2019 ◽  
Vol 8 (9S) ◽  
pp. 1004-1010
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Financial Performance ◽  
Stability Parameters ◽  
Public And Private ◽  
Public Sector Banks ◽  
Unstable Environment ◽  
Private And Public ◽  
Public And Private Sector ◽  
Asset Quality

The seemingly untamable Non-Performing Assets are leading the Indian banks towards a highly unstable environment. The financial soundness of the banks is mandatory for any economy considering it is one of the most significant and a pre-requisite of a stable economy. The present study examines the financial performance parameters of banks with a probable variation among public and private sector banks for a period between 2005 and 2018. The study is divided into three sections. The first section studies the financial performance of the Scheduled Commercial Banks (SCBs), Public & Private Sector Banks in three identified time bands of last thirteen years. The second section assesses the probable variation in asset quality among Private and Public Sector Banks through statistical inferences. The third section finally examines the probability of variations in asset quality in the three time bands identified in the study. The study concludes a very high volatility among the SCBs during the said period and found Private Sector Banks to be more consistent and bore better stability parameters compared to Public Sector Banks. The statistically inferred results through T-test, Welch test and Post-Hoc test support a significant variation among both the sectors along with presence of significant variations in asset quality.

scholarly journals Bank Specific Determinants of Liquidity of Public and Private Sector Banks

2019 ◽  
Vol 8 (3) ◽  
pp. 8942-8947
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Capital Adequacy ◽  
Public And Private ◽  
Public Sector Banks ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Indian Banks ◽  
Public And Private Sector ◽  
Bank Specific Factors

For the upliftment of an economy, a healthy and strong banking sector is of paramount importance. The efficiency and viability of banks is much affected by the liquidity level they possess. Liquidity refers to the assets that are either in form of cash or immediately convertible into cash without any serious loss of time and money. Direct cash holding in currency or holding creditworthy securities including government bills with short term maturities provides liquidity to a bank. This paper investigates the factors that determine liquidity of Indian banks and compares the determinants in case of public and private sector banks. Using panel data, empirical analysis is carried out on the commercial banks of India for the period 2005 to 2017. The bank specific factors included are bank size, deposits, cost of funds, capital adequacy ratio, non performing assets and ROE. The result shows determinants of liquidity vary for both banking groups. Public sector banks with an increase in their size, increases the amount of liquid assets adequately to manage liquidity risk. However, private sector banks relying more on financial markets with their increasing size holds less liquidity

scholarly journals Customer Engagement with Social Media Bank Pages with Reference to Facebook

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.

scholarly journals SERVICE QUALITY OF PUBLIC AND PRIVATE SECTOR BANKS IN TIRUNELVELI DISTRICT

2017 ◽  
Vol 5 (5(SE)) ◽  
pp. 42-52
Author(s):  
C. Eugine Franco ◽  
G. Bright Jowerts
Keyword(s):  
Public Sector ◽  
Service Quality ◽  
Private Sector ◽  
Time Duration ◽  
Public And Private ◽  
Public Sector Banks ◽  
Long Time ◽  
Public And Private Sector ◽  
Immediate Response

Service Quality of the banks referred as an obligation of all banks to fulfill the objectives and needs of the customers. Service quality in private sector banks is good compare to public sector banks. The various issues the banks are not able to provide immediate response to customers, service time duration is more, long queue deposit the money, waiting for long time, staff behavior is not good, especially public sector banks are not providing multitude services like payment of bills, payment of tax, Banc assurance etc. and problem relating to banking service such as bank statements, error in the statements are not provided immediate response to customers. The scope of this research is to identify the service quality of public and private sector banks in Tirunelveli district. This study only focuses on the dimensions of service quality i.e. reliability, assurance, tangibility, empathy and responsiveness. The study was done taking two types of banks such as public and private sector banks in Tirunelveli district into consideration. The survey was restricted to the bank customers in Tirunelveli district only. As the population size is infinite, 672 respondents are selected as sample among the population using stratified random sampling. The sample has been stratified as 528 from public sector bank customers and 144 from private sector bank customers in Tirunelveli district.

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.

scholarly journals Perception of Specialist Agriculture Officers towards Agricultural Credit- A Comparative Study between Public and Private Sector Banks in Tamil Nadu, India

2020 ◽  
pp. 34-39
Author(s):  
C. Muralidharan ◽  
R. Senthil Kumar ◽  
S. Selvanayaki ◽  
R. Gangaiselvi ◽  
R. Pangayar Selvi
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Tamil Nadu ◽  
Policy Implications ◽  
Agricultural Credit ◽  
Public And Private ◽  
Public Sector Banks ◽  
Phone Calls ◽  
Public And Private Sector ◽  
Number Of Branches

This paper attempts to analyse the perceptions of Specialist officers (Agriculture) towards Agriculture credit in public and private sector banks in Tamil Nadu. Among different zones in Tamil Nadu, Coimbatore zone was selected purposively for this study, because of its representation of maximum number of branches and credit activities. Purposive sampling of 150 Specialist officers (Agriculture) from various public sector banks and 51 Specialist officers (Agriculture) from private sector banks were selected for this study. In case of crop loan, about 91.35 per cent of Specialist Officers (Agriculture) from Public sector banks were satisfied with the disbursement of credit based on scale of finance as against 78.42 per cent in case of Private sector banks. About 70.27 per cent of Specialist Officers (Agriculture) from Public sector banks faced lot of hardships to recover agricultural loans. 84.96 per cent of Specialist Officer (Agriculture) employed from Public sector banks perceived that farmers never responded to bank notice and phone calls in case of Special Mentioned Accounts (SMA) and Non Performing Assets (NPA). However, 71.86 per cent of Specialist Officers (Agriculture) employed in Private sector banks perceived that farmers never responded to bank notice and phone calls in case of SMA and NPA. Thus from the above study, following policy implications may be arrived (i.e) Up-gradation of land records and delivery of documents through online and documentation of loan process such as mortgage, issuing of non-encumbrance certificate and verification of patta land can be published through online

scholarly journals FACTORS AFFECTING TRANSFER OF TRAINING AT WORKPLACE: STUDY OF SSGC, HYDERABAD

2015 ◽  
Vol 11 (1) ◽  
Author(s):  
Qurat-ul-Ain Qureshi ◽  
Keyword(s):  
Private Sector ◽  
Service Sector ◽  
Banking Sector ◽  
Comparative Performance ◽  
Public And Private ◽  
Factors Affecting ◽  
Public Sector Banks ◽  
Stable Economy ◽  
Indian Banks ◽  
Public And Private Sector

Purpose The reforms is the financial sector have resulted in numerical changes in the banking sector. In order to improve the financial health of the banks various norms have been introduced at regular intervals. As the banking sector constitutes a major component of the financial service sector the soundness of the banking sector is necessary for a dynamic and healthy economy. The establishment of a productive efficient and stable economy is possible only when a country is having a sound healthy banking sector. The study has been an attempt to analyse the comparative performance of selected public and public and private sector banks in India during the period 2003-2013 On the basis of their direct and indirect contributions to the society for socio- economy growth and its impact on quality of assets or NPA level of the banks Sampling Methodology For this purpose five leading Indian Banks from each of the Public and Private sector bank have been taken into consideration Findings of the study indicate that the performance of the private sectors bank is better from bankers view point but from the social view points public sector banks are better performers.

scholarly journals Customer Relationship Management (CRM)Practices of Public and Private Sector Banks

2022 ◽  
Vol 40 (S1) ◽  
Author(s):  
LALITHA P S ◽  
KIRAN KUMAR PAIDIPATI ◽  
B. AMARNATH
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Customer Relationship Management ◽  
Management Practices ◽  
Banking Sector ◽  
Relationship Management ◽  
Customer Relationship ◽  
Public And Private ◽  
Public Sector Banks ◽  
Public And Private Sector

The banking sector plays a crucial role in the economic development of a country. For the success of any bank customers’ play a prominent role in its growth. Implementing good customer relationship management practices improves the profits of banks. Retaining the customer and convert the customer to be a loyal one is most protruding. For the bank, retentions attain a greater benefit compare with acquiring new customers. Sustain the old customer is much more pivotal than attracting the new one. For this, effective customer relationship management practices help in the returns of the bank. Customer service and satisfaction differentiate the virtuous banking sector. The present study focuses on comparing the customer relationship management practices of public and private sector banks. A survey is done with 1200 customers using the convenience sampling method. 600 respondents from SBI & Andhra bank of public sector banks and the remaining 600 are from HDFC and ICICI banks of the private sector were chosen for the survey. An Empirical study with descriptive statistics, mean and frequency distribution, chi-square, mean ranks, reliability analysis is used to evaluate data. From the findings, it is observed that customers opted for public sector banks for the trust factor, and for effective products and services customers are satisfy more with private sector banks than compared with public sector banks.

scholarly journals Camel Research of Selected Private and Public Sector Banks in India

2019 ◽  
Vol 8 (12) ◽  
pp. 1237-1248
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Capital Adequacy ◽  
Public Sector Banks ◽  
The People ◽  
Start Up ◽  
Private And Public ◽  
Financial Growth ◽  
Earning Quality ◽  
Asset Quality

Banks are the mainstay of any country’s economic development. The money is stored in the bank, wherein the people are risk free of keeping money at home, and whenever required can take their money. The banks also help for any business growth or any start up business. And to meet all this peoples’ requirement and even gain profits, banks sees their financial growth and analyze as what to be done to meet the requirements. Even the people should know, whether the bank in which they have gone on their money is stable and can give back their money back when needed or when the bank fails to shut down due to unavailability of assets or loss which cannot be reclaimed. This report examines the execution of certain private and public sector banks. Five banks from private sector viz. ICICI, HDFC, Axis, YES, Kotak Mahindra and five banks from public sector viz. SBI, PNB, BOB, UBI and Canara bank were chosen for this analysis. The data were collected for a period from 2012-2013 to 2016-2017 (5 years). CAMEL analysis (Capital adequacy, Asset quality, Management efficiency, Earning quality, and Liquidity) was applied towards assessing the performance. Based on CAMEL rating, HDFC & AXIS Bank are considered as performing above average; whereas PNB & Canara Bank is seen as below average. Thus, it could be concluded that in all the parameters of the CAMEL Model and its sub-parameters, the performance of the private sector is found to be better than the public sector. .

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