scholarly journals Bank Selection Criteria and Performance of Public and Private Banks of Sri Lanka: A Comparative Study

2020 ◽  
Vol 2 (2) ◽  
pp. 197-215
Author(s):  
M. S. Nilam
Keyword(s):  
Sri Lanka ◽  
Foreign Banks ◽  
Competitive Environment ◽  
Sri Lankan ◽  
Technological Advancement ◽  
Public And Private ◽  
Financial Deregulation ◽  
Private Banks ◽  
And Performance ◽  
Public Banks

Financial deregulation and technological advancement have led the sri lankan banking industry to highly competitive environment. In sri lanka, the competition is not only among the local banks, but also from foreign banks. To stay competitive and strong, a bank’s customer retention is crucial. In this context banking institutions would like to know how the customers select their bank and how they perceive the performance of banks in such competitive environment. The researcher selected sample of 468 banking customers from public and private banks of sri lanka. Responses were analyzed and presented through descriptive, correlation and regression analysis. The findings showed that the security and service quality were the two most crucial factors when selecting a bank in sri lanka. Significant gender and education level factors in bank selection were observed. Study concludes that sri lankan private banks perform better on those factors than the public banks in sri lanka.

scholarly journals Assessing The Relationship Between Liberalization, Ownership And Performance: The Case Of Turkish Banks

2011 ◽  
Vol 3 (1) ◽  
Author(s):  
Ihsan Isik ◽  
Lokman Gunduz ◽  
Osman Kilic ◽  
Dogan Uysal
Keyword(s):  
Financial Liberalization ◽  
Malmquist Index ◽  
Foreign Banks ◽  
Public And Private ◽  
Index Approach ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
The Impact ◽  
Productivity Gains

This paper employs a DEA-type Malmquist index approach to evaluate the impact of financial liberalization on the productivity changes of public, private and foreign banks in Turkey during the period between 1981 and 1990. The results indicate that all forms of banks have benefited from financial liberalization. However, foreign banks were found to be the most productive, followed by private banks and public banks respectively. The major source of productivity gains is scale changes for public and private banks and technical progress for foreign banks. It also seems that productivity growth indices of all banks converge towards the end of liberalization period.

scholarly journals Service Performance in Public, Conventional Private and Specialized Private Banks in Bangladesh

2018 ◽  
Vol 14 (3) ◽  
pp. 100
Author(s):  
Md Abu Saleh
Keyword(s):  
Research Field ◽  
Service Performance ◽  
Future Research ◽  
Limited Attention ◽  
Competitive Edge ◽  
Area Of Interest ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
Private Banking

Banking services play a key role in present competitive edge. Accordingly, service quality, satisfaction and performance have become an area of interest in such research field. An extensive review of literature revealed that very limited attention has been given to explore the borrower customers’ perspectives regarding the conventional public, private and specialised private banking. Therefore, this research strives to accommodate a developing perspective where conventional and non-conventional Islamic banks are operating and providing services to their customers. Data have been collected from 78 borrower customers to examine their perceived quality, satisfaction and performances of banks. The study revealed that service performance by the Islamic and conventional private banks were found well-organized in providing services and better than public banks. The study finally addressed the limitations and future research directions.

Ownership structure and auditor selection

2020 ◽  
Vol 35 (8) ◽  
pp. 1121-1142
Author(s):  
Curtis M. Hall ◽  
Benjamin W. Hoffman ◽  
Zenghui Liu
Keyword(s):  
Ownership Structure ◽  
Banking Industry ◽  
Audit Fees ◽  
High Quality ◽  
Public And Private ◽  
Content Type ◽  
Industry Expert ◽  
Big 4 ◽  
Private Banks ◽  
Public Banks

Purpose This paper aims to investigate the effect that ownership structure (public vs private) has on the demand for high-quality auditors, specifically in the US banking industry. Design/methodology/approach The authors predict that public banks are more likely to hire a high-quality auditor than private banks and pay a higher audit fee premium for that high-quality auditor (due to higher agency costs, more demand for financial information and higher litigation risk). The authors analyze 2008–2014 banking data from the Federal Reserve using probit and OLS regression analysis to examine if there is a higher probability that public banks choose higher quality auditors and pay higher audit fees when they do so. Findings The results show that private banks are less likely to hire Big 4 auditors and industry-expert auditors than public banks. The authors also find that both private and public banks pay higher audit fees for Big 4 and industry-expert auditors, and that public banks pay a higher premium for Big 4 auditors and industry experts than private banks. Research limitations/implications The findings may not be fully generalizable to other types of firms, as banking is a heavily regulated and complex industry. However, inferences from this study may be generalizable to other similar industries such as insurance or health care. Practical implications The results of this paper imply that public and private banks have differing priorities when hiring their financial statement auditor. This may be of interest to investors and auditing regulators. Social implications The findings of this paper underscore the value of hiring an industry-expert auditor in an industry that is highly complex and regulated. This may be of interest to managers and policymakers. Originality/value Due to data restrictions, the emphasis of prior literature on the banking industry has been on public banks. This study is the first to analyze the differences between public and private banks’ demand for audit services.

Brazil banks will stay cautious amid fragile recovery

2017 ◽  
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Retail Banking ◽  
Foreign Bank ◽  
Foreign Banks ◽  
Risk Averse ◽  
Public And Private ◽  
Content Type ◽  
Private Banks ◽  
Public And Private Sector

Subject Outlook for the banking sector. Significance The two-year recession has made Brazil’s public- and private-sector banks increasingly risk-averse in their lending to households and companies. This is likely to persist in 2017, owing to a very uncertain and fragile economic recovery, high unemployment and elevated levels of private-sector debt. Impacts Less-aggressive lending by national state banks will help public finances and give private banks a chance to increase market share. Spanish Santander will be the only foreign bank capable of competing in Brazil’s retail banking segment in the coming years. Other foreign banks lacking the necessary scale for profitable retail banking will focus on other niches.

scholarly journals Socioeconomic development of Brazilian municipalities: The role of public and private banks

2021 ◽  
Vol 38 (77) ◽  
pp. 147-185
Author(s):  
Greisson Almeida Pereira ◽  
Emilson Caputo Delfino Silva
Keyword(s):  
Socioeconomic Development ◽  
Social Role ◽  
Public And Private ◽  
Great Probability ◽  
Private Banks ◽  
Physical Presence ◽  
Public Banks ◽  
High Level ◽  
The Impact

The economic literature has discussed the role of public banks regarding their performance as drivers of socioeconomic development, highlighting their social role when compared to private banks. This paper contributes to this discussion and analyzes the impact of the physical presence of public and private commercial banks on the Firjan Index of Municipal Development (FMDI) of Brazilian municipalities. The results of a logit panel model show that public banks have greater impact on the FMDI rather than private banks, taking into account where the municipality is located and the externalities caused by the neighboring municipality. There is great probability of a municipality being in a high level of development if it has the physical presence of commercial public banks.

scholarly journals Comparing the Quality of Services by Public and Private Banks in the View of Customers

2015 ◽  
Vol 52 ◽  
pp. 139-149
Author(s):  
Zolfa Haghgooyan ◽  
Gholamreza Jandaghi ◽  
Leyli Sharifi
Keyword(s):  
Quality Of Services ◽  
Single Population ◽  
Public And Private ◽  
Population Average ◽  
Private Banks ◽  
The Status ◽  
Private And Public ◽  
Public Banks ◽  
Descriptive Survey

Present paper aims at studying and comparing the quality of services by public and private banks of Qom Province in the view of customers. This is an applied study and it is a descriptive survey in terms of data collection method. Its population consists of customers of Qom Province public and private banks, SERVQUAL standard model is used in present study. It includes five aspects: Reliability, Tangibility, Responsiveness, Assurance and Empathy.To study the quality of services and their aspects in public and private banks, single population average test is used while two – population average test is utilized to compare the quality of services in private and public banks. The results from single population average tests indicate that the status of service quality and the aspects of SERVQUAL are desired in both Qom Province private and public banks. Likewise, the results for two – population average tests reveal that provided services by both public and private banks have similar quality and there is no difference between them in this regard. Concerning the SERVQUAL model, the findings indicate that physical environment of private banks is better than public peers. However, there is no difference between them in other aspects.

scholarly journals Impact of ownership structure on risk-taking behavior of South Asian banks

2020 ◽  
Vol 17 (3) ◽  
pp. 108-120 ◽  
Author(s):  
Ahmed Imran Hunjra ◽  
Tahar Tayachi ◽  
Rashid Mehmood
Keyword(s):  
Ownership Structure ◽  
Risk Taking ◽  
Capital Adequacy ◽  
Foreign Banks ◽  
Management Policy ◽  
Public And Private ◽  
Coverage Ratio ◽  
Private Banks ◽  
Risk Taking Behavior ◽  
The Impact

The implementation of an effective risk management policy is necessary for the survival and success of banks. Ownership structure changes the risk-taking behavior of banks. Therefore, we analyze the impact of the ownership structure on risk-taking behavior of banks in emerging markets (i.e., Pakistan, India, and Bangladesh). We take public, private and foreign ownership of banks in this study. We collect the data from 64 banks of selected countries from 2011 to 2018. We measure risk-taking as capital adequacy, leverage coverage ratio, non-performing loan ratio, and return volatility. We use two-step system dynamic panel estimation for analyzing the results. We find that public and private banks have significant relationship with the risk-taking of banks. Furthermore, public and private banks show more risk-taking behavior as compared to foreign banks in all selected countries.

Exploring Barriers to International Trade Faced by Sri Lankan Exporters to the Indian Market

2021 ◽  
Vol 8 (2) ◽  
pp. 1-32
Author(s):  
Ayoma Sumanasiri
Keyword(s):  
International Trade ◽  
Sri Lanka ◽  
Export Performance ◽  
Trade Agreements ◽  
Sri Lankan ◽  
Indian Market ◽  
Trade Performance ◽  
And Performance ◽  
Export Destination ◽  
Export Revenue

In recent decades, India has emerged as a major economy in the world. Although Sri Lanka is situated in close proximity to India and has entered into trade agreements with India to boost its international trade, it has still not been able to achieve the expected level of growth in exports to India. Based on the 2019 United Nations COMTRAD data, India is the third largest export destination of Sri Lanka, and the export revenue from trade with India amounted to US $ 759 million in 2019. However, the statistics in the past years indicate a drop in Sri Lankan export revenue to India from $ 767 million in 2018 to $ 759 million in 2019. In spite of different bilateral and multilateral trade agreements entered into between the two countries, Sri Lankan export performance still remains unsatisfactory. This indicates that apart from tariff reductions, certain other non-tariff barriers influence international trade performance between the two countries. Therefore, this study aims to explore barriers to Sri Lankan exporters which undermine their international trade performance in the Indian market. The study follows a qualitative research methodology and has collected data using face-to-face unstructured interviews with twenty (20) respondents representing different stakeholders engaged in the process of exporting from Sri Lanka to India. The collected data was coded and analyzed through template analysis. Findings revealed thirty-five (35) important factors which influence successful penetration into and performance in the Indian market. The results reveal that host market and home market characteristics have a greater impact on successful performance in the Indian market than product or firm characteristics.

Assessment of Service Quality in Public versus Private Sector Banks of Lucknow

2013 ◽  
Vol 3 (2) ◽  
Author(s):  
Shruti Mitra ◽  
Richa Gulani
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Banking Sector ◽  
Public And Private ◽  
Customer Base ◽  
Quality Scale ◽  
Private Banks ◽  
And Performance ◽  
Public Versus Private

In the present scenario banking sector of India is running under dynamic challenges, concerning both customer base and performance. Service quality is an indispensable competitive strategy to retain customer base. Service quality plays a major role in getting customer satisfaction. Banks are trying hard to win customer satisfaction by providing better quality services. This study compares customer’s perceptions of service quality in both public and private banks of India. The service quality of both banks has been measured using SERVQUAL (service quality) scale. The results show that dimensions of service quality such as, tangibility, reliability, responsiveness, empathy and assurance, significantly predicts customer’s trust and commitment.

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