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 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 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 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 and Customer Satisfaction: A Comparative Study of an Indian Public VS Private Bank

2020 ◽  
Author(s):  
Dharmendra Singh
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Private Sector ◽  
Financial Services ◽  
Banking Sector ◽  
Public And Private ◽  
The Public ◽  
Public Sector Banks ◽  
Private And Public ◽  
Public And Private Sector

This study focuses on the service quality and customer satisfaction among the private and public sector banks in India. Today customers are supposed to have awareness about the financial services provided by the banking sector. An attempt has therefore, been made in this paper to quantify the ‘awareness level’ of the customers and analyze the ‘service quality experience’ of the customers from their banks. The study has been carried out to compare the service quality experienced by customers of the public and private sector banks and to study the link between service quality and customer satisfaction. For that reason a well structured questionnaire was used to collect the views of customers on various service dimensions and the satisfaction of the customers regarding the services offered by the public and private sector banks. Various statistical tools like ANOVA, Factor Analysis and Multiple Regressions were used for analyzing the data collected on five service dimensions of SERVQUAL and satisfaction of customers. The results indicate that the private sector bank was better in terms of providing services and creating awareness about their products and services. The study also proves that an increase in service quality will most likely lead to customer satisfaction.  

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.

Service Quality in Public and Private Sector Banks of India

2016 ◽  
Vol 4 (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.

scholarly journals CEOs and Quiet Life Hypothesis – A Comparative Study on SBI and other Public Sector Banks in India

2020 ◽  
Vol 11 (2) ◽  
pp. 1
Author(s):  
Pushkala Narasimhan ◽  
K. A. Venkatesh ◽  
J. Mahamayi
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Comparative Study ◽  
Market Share ◽  
Banking Sector ◽  
Public And Private ◽  
The Road ◽  
Public Sector Banks ◽  
Road Map ◽  
Public And Private Sector

<p>Quiet Life Hypothesis is a concept which ensures the players in an industry achieving and attaining the highest market share. But Quiet life is also possible with the very strong strategic and efficient leadership at CEO level of any organisation. Their tenure makes the organisation to emerge as industry’s behemoth like SBI. The QLH is tested in the Banking sector especially State Bank of India. Nevertheless, to say Ms. Arundhati Bhattacharya took over as CEO of SBI in Oct, 2013 and with her extended tenure till Oct 2017, she made SBI as the most efficient bank among all public sector banks in handling demonetisation, GST and implementing the road map of merger of all associate banks of SBI and Bharatiya Mahila Bank. The legacy of Ms. Arundhati left SBI in an extremely strategically stronger position than before she became CEO. This paper reveals that the exit of hers made SBI reap the benefits of Quiet Life in comparisons with other public and private sector banks in India.</p>

Measuring intellectual capital performance of Indian banks

2016 ◽  
Vol 42 (7) ◽  
pp. 635-655 ◽  
Author(s):  
Sukhdev Singh ◽  
Jasvinder Sidhu ◽  
Mahesh Joshi ◽  
Monika Kansal
Keyword(s):  
Private Sector ◽  
Intellectual Capital ◽  
Banking Sector ◽  
Value Added ◽  
Secondary Data ◽  
Equity Capital ◽  
Public And Private ◽  
Content Type ◽  
Indian Banks ◽  
Public And Private Sector

Purpose – The purpose of this paper is to measure the intellectual capital performance of Indian banks and established a relationship between intellectual capital and return on assets (ROA). The paper also compared the intellectual capital performance of public sector and private sector banks. Design/methodology/approach – This study is based on secondary data from the top 20 Indian banks. Ten banks were selected from each of the public and private sectors on the basis of paid-up equity capital. The analysis was made using the value added intellectual coefficient, the coefficient of variation, exponential growth rates, trend analysis, Yule’s coefficient, the coefficient of correlation, the F-test and the t-test. Findings – The study revealed that private sectors have performed relatively better regarding the creation of total information coefficient (IC). However, the ROA was still below the international benchmark of > 1 percent. The major cause of the lower IC and the reduced ROA is disproportionate to the increase in capital employed and escalating non-performing assets in the Indian banking sector. Practical implications – The study focussed on managers and identified the causes of lower performance. It proposed numerous strategies to improve the aggregate score of IC, which is closely related to bank profitability. Originality/value – This is the first study to make a comparative analysis of intellectual capital performance in public and private sector banks in India and in addition to the traditional style of measuring sectoral performance. Further, the study employed new statistical tools, such as Yule’s coefficient of association, to establish the association between performance variables.

scholarly journals A COMPARITIVE STUDY ON SERVICE QUALITY PERCEPTION AND PREFERENCE OF CUSTOMERS ABOUT PUBLIC AND PRIVATE SECTOR BANKS IN TIRUNELVELI DISTRICT

2017 ◽  
Vol 5 (1(SE)) ◽  
pp. 32-42
Author(s):  
G. Bright Jowerts ◽  
C. Eugine Franco
Keyword(s):  
Service Quality ◽  
Private Sector ◽  
Banking Sector ◽  
Secondary Data ◽  
Primary Data ◽  
Public And Private ◽  
Public Sector Banks ◽  
Technological Developments ◽  
Public And Private Sector

Service Quality of the banks referred as an obligation of all banks to fulfill the objectives and needs of the customers. The present need of banks is to have good relationship with customers by providing quality services to retain the existing and generate or acquire new customers. Thus, this study attempts to study the service quality in the banking sector in the present scenario. The scope of this study is to identify the service quality of public and private banks in Tirunelveli district. This research is based on primary data and secondary data. This study only focuses on the dimensions of service quality i.e. reliability, assurance, tangibility, empathy and responsiveness. The primary data was collected from 300 customers of banks located in Tirunelveli district. The analysis was carried out with the responses of the customers of the public sector banks and private sector banks by adopting stratified random sampling through questionnaire and presented in the form of tabulation. This study brought to light the fact that the customers were very much satisfied on the service quality of the banks in the region but at the same time they expect a lot more from the banks in the present scenario of technological developments in banks.

scholarly journals A Study on Customer Preference towards Financial Services of Public and Private Sector Banks - A Comparative Study

2021 ◽  
Vol 11 (3) ◽  
Author(s):  
Srinivas K.T.
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Financial Services ◽  
Banking Sector ◽  
Inclusive Development ◽  
Primary Data ◽  
Public And Private ◽  
Customer Preference ◽  
Public Sector Banks ◽  
Public And Private Sector

The banking sector plays a significant role in the development of the economy, as it mobilizes deposits and provides credit to various sectors across business including individuals. The purpose of this study is to understand the customer preference of selecting banking services among public and private sector banks. This study is based on primary data obtained from customers of Public and Private sectors banks in Mandya district. The study reveals that Public sector banks have a greater number of branches and private sector banks have good and innovative products and customer friendly environment at branches. Both the sector banks have similarity in various services provided to the customers but as per the study public sector banks have attracted more customers than private sector banks in the study area, since their main focus is inclusive development of the society.

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