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

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

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

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.

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 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.

Earnings in the Public and Private Sectors 1950—1975

1975 ◽  
Vol 74 ◽  
pp. 60-70 ◽  
Author(s):  
A.J.H. Dean
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Public And Private ◽  
The Public ◽  
Significant Difference ◽  
Affected Relative ◽  
Cyclical Behaviour ◽  
Relative Earnings ◽  
Public And Private Sector ◽  
Market Pressures

This article analyses the trend of earnings in the public and private sectors of the British economy from 1950 to 1975. It was found that public and private sector earnings moved closely together throughout the 1950s and 1960s but then diverged considerably in the early 1970s, with public sector earnings moving ahead of private sector earnings in an unprecedented fashion in 1974 and 1975; given the earlier stability in relative earnings, this movement might be temporary. There was a significant difference in the cyclical behaviour of the two series with public sector earnings generally increasing faster than private sector earnings during the downswing and vice versa during the upswing; this finding is consistent with the lesser exposure of the public sector to market pressures. Incomes policy does not appear to have affected relative earnings in any systematic way.

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 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 Effects of Motivation to The Performance of Manager-Focused Employees in Public and Private Sector Enterprises and a Research

2021 ◽  
Vol 5 (23) ◽  
pp. 388-404
Author(s):  
Sefer Gümüş
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Organizational Factors ◽  
Survey Method ◽  
Public And Private ◽  
The Public ◽  
Motivation Factors ◽  
Significant Difference ◽  
And Performance ◽  
Public And Private Sector

In the enterprises, the fact that the employees are motivated well depends on their managers and the employees’ performance. Employees’ performance is supported through theories but the targets can be achieved by action. In managing the enterprises which continue their existence for attaining certain aims, it is quite important for them to be motivated in achieving success and efficiency. Motivation is a necessity. Its existence makes the enterprise reach its targets. Its absence vanquishes the enterprise from the market. The aim of using motivation factors is to make the employees be successful in all activity areas. In our study, it was elaborated on the motivation and performance differences of public and private sector enterprises, and it was seen that the motivation variables employed by the managers in different sectors display different performances by the managers in different sectors. Because of that this concept which has gained importance today in all areas and sectors involves economic and organizational factors which differ as to the enterprises ad play a role in the development of enterprises, these factors were elaborated in our research. In the name of examining the motivation and its factors, it was conducted a comparative practice based on the public and private sectors, and when the statistical results based on the data is considered, it was concluded that there is a significant difference. Motivation variables in the public sector have differences from the private sector in terms of practice and perception. When an examination is applied by including authority and laws and regulations, the mandatory practices harden the application of motivation factors and even make them impossible. It was concluded from this difference that motivation factors emerge a bit more in the public sector, but it was faced with problems in using them on behalf of the employee in practice. In our research, the survey method was used, and our study was analyzed in Statistics Program SPSS 17.0 medium. It was conducted the evaluation of the tables, and it was brought forward conclusions and recommendations. Keywords: Motivation, Motive, Need, behavior, Public, Private Sector

scholarly journals THE ROLE OF LEADERSHIP IN HUMAN RESOURCE MANAGEMENT A COMPARATIVE STUDY OF SPECIFIC PUBLIC AND PRIVATE SECTORS IN PAKISTAN.

2009 ◽  
Vol 5 (2) ◽  
Author(s):  
Akbar Ali ◽  
Keyword(s):  
Resource Management ◽  
Public Sector ◽  
Private Sector ◽  
Human Resource Management ◽  
Human Resource ◽  
Fundamental Problem ◽  
Public And Private ◽  
Significant Difference ◽  
Public And Private Sector

The fundamental problem of this study was to examine "The role of leadership in human resource management through comparison of public and private sectors in Pakistan" by evaluating the leadership in ten competencies. The sample was 115 leaders (assesses) which were assessed by 520 respondents (assessors) belonging to Airlines, Hospitals and Banks from both Public and Private Sector. Each of the manager / leader was evaluated by using 360 degree feed back assessment questionnaire. Statistical analyses were conducted using the SPSS statistical package. Outcome of this study pointed that there were statistically significant difference among score of leadership between Private and Public Sector organizations. The conclusion of the study indicated; a) Leadership at Private sector is performing better than Public Sector. b) The leadership score of private sector bank was significantly higher to public sector bank. c) The leadership score of private sector hospital was significantly higher as compared to the public sector hospital. d) The leadership score in public sector airline was significantly higher to the private sector airline. The findings also indicated to call upon Pakistani leaders at public sector hospitals and banks, as well as private sector airline leaders to enhance their competencies.

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