Capital requirements and bank behaviour: an empirical analysis of Indian public sector banks

2003 ◽  
Vol 15 (2) ◽  
pp. 145-156 ◽  
Author(s):  
Saibal Ghosh ◽  
D. M. Nachane ◽  
Aditya Narain ◽  
Satyananda Sahoo
Keyword(s):  
Public Sector ◽  
Empirical Analysis ◽  
Capital Requirements ◽  
Public Sector Banks

Preparedness level of Indian public sector banks for implementation of Basel III

2019 ◽  
Vol 45 (2) ◽  
pp. 172-189 ◽  
Author(s):  
Krishan Boora ◽  
Kavita Jangra
Keyword(s):  
Public Sector ◽  
Management Practices ◽  
Implementation Process ◽  
Capital Requirements ◽  
Capital Adequacy ◽  
Advanced Technology ◽  
Basel Iii ◽  
Content Type ◽  
Public Sector Banks ◽  
The Impact

PurposeThe purpose of this paper is to explore the preparation level of Indian public sector banks for the implementation of Basel III. It is mandatory for public sector banks in India to make adequate preparations to comply with the Basel III international regulations.Design/methodology/approachThis study uses a modified questionnaire (Ernst & Young, 2013; AL-Tamimiet al., 2016) to examine the preparedness level of Indian public sector banks for implementing Basel III. Seven hypotheses are developed and tested.FindingsThe results show that Indian public sector banks are positively inclined toward Basel III, and the awareness level of Indian banks’ managers is adequate concerning Basel III. The banks have required resources for the proper implementation of Basel III, which is a prerequisite for its implementation. Banks know about the expected benefits that can be attained from implementing Basel III appropriately and banks are also aware of the high cost attached with Basel III. The capital adequacy ratio of public sector banks is above 11 percent, showing the banks’ readiness for Basel III.Practical implicationsThe public sector banks need to concentrate on revising the existing policies to sharpen their risk management practices. Moreover, improving the level of education on Basel III is still required and the results also support the importance of advanced technology and trained human resources at all level as a basic requirement for the implementation of Basel III. It can be achieved by the support of government, Reserve Bank of India (RBI) and other concerned agencies. The enforcement of Basel III will also create various challenges for Indian public sector banks, in terms of declining profitability, increasing capital requirements and nonperforming assets. That is why the impact of Basel III norms on Indian public sector banks cannot be undervalued.Originality/valueThe findings would assist the Indian public sector banks to know about their preparedness level for Basel III and what are the necessary actions to encourage Basel III implementation process. The present study would be important for regulators and decision makers in banks, as the main purpose of this study is to increase their awareness of Basel III norms. The result would also help the regulators regarding the corrective measures that should be taken by RBI in order to motivate the banks for enforcing Basel III.

A Study of Effect of NPAs on the Financial Performance of Public Sector Banks in India

PRODUCTIVITY ◽  
2019 ◽  
Vol 60 (1) ◽  
pp. 70-78
Author(s):  
PREETI . ◽  
◽  
Dr. Kuldip Singh Chhikara ◽  
Keyword(s):  
Public Sector ◽  
Financial Performance ◽  
Public Sector Banks

Non-Performing Assets in Public Sector Banks: An Investigation

2011 ◽  
Vol 3 (9) ◽  
pp. 12-15
Author(s):  
Dr. R. K. Patel Dr. R. K. Patel ◽  
Keyword(s):  
Public Sector ◽  
Public Sector Banks

Retail Credit Risk Management in Indian Public Sector Banks

2012 ◽  
Vol 3 (8) ◽  
pp. 31-37
Author(s):  
Nayan J. Nayan J. ◽  
◽  
Dr. M. Kumaraswamy Dr. M. Kumaraswamy
Keyword(s):  
Risk Management ◽  
Public Sector ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Public Sector Banks ◽  
Retail Credit

Service Quality Perception towards E-CRM Practices among Customers of Private and Public Sector Banks of Rajasthan Using SERVQUAL Method

2018 ◽  
Vol 7 (3) ◽  
pp. 22
Author(s):  
Neeti Kasliwal ◽  
Jagriti Singh
Keyword(s):  
Public Sector ◽  
Service Quality ◽  
Banking Sector ◽  
Sampling Technique ◽  
Vital Role ◽  
Public Sector Banks ◽  
Significant Difference ◽  
Private And Public ◽  
Score Method ◽  
Public Banks

Banking sector is growing rapidly and playing a vital role in the economic development of the nation. Both private and public sector banks are giving more priority to service quality to satisfy their customers. For this, banks are now emphasizing on E-CRM practices to carry out transactions and communicate with their customers. The purpose of this research is to assess the service quality among private and public banks in Rajasthan. Purposive sampling technique has been employed to collect the data from three private banks and three banks from public. To analyze the data, descriptive statistics, Mean score method and t test have been used. Results indicates that there is a significant difference in consumer’s perception of service quality dimensions related to E-CRM practices provided by selected private and public sector banks of Rajasthan..The findings of this research will help policy makers of banking sector to set customer oriented policies.

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