Management Efficiency and Profitability of Selected Indian Public and Private Sector Banks

2019 ◽  
Vol 9 (1) ◽  
pp. 26-35 ◽  
Author(s):  
Kumar J. ◽  
Thamil Selvan R.
Keyword(s):  
Private Sector ◽  
Geometric Mean ◽  
Secondary Data ◽  
Financial Statements ◽  
Vital Role ◽  
Annual Growth Rate ◽  
Public And Private ◽  
Public Sector Banks ◽  
Management Efficiency ◽  
Public And Private Sector

Commercial banks play a vital role in the development of the industry and trade. The present article identifies management efficiency and profitability of selected Indian public and private sector banks. The study considered a sample of top ten banks (7 public sector banks and 3 private sector banks) for the period from April 1, 2005 to March 31, 2016. The study is based on the secondary data, procured and extracted from financial statements of the selected banks. The collected data has been analyzed using various financial ratios and statistical tools like geometric mean standard deviation and compounded annual growth rate have been accomplished.

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 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 Liquidity and Off-Balance Sheet Items: A Comparative Study of Public and Private Sector Banks in India

2017 ◽  
Vol 8 (1) ◽  
pp. 47 ◽  
Author(s):  
N. Pushkala ◽  
J. Mahamayi ◽  
K. A. Venkatesh
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Balance Sheet ◽  
Vital Role ◽  
Public And Private ◽  
Banking Business ◽  
Public And Private Sector ◽  
The Impact ◽  
Reserve Ratio ◽  
Of Greece

Liquidity is the life-line of every business. Banking business’ liquidity was the bone of contention during the economic crisis of Greece and the downfall of Finance Behemoth like Lehman Brothers. Banking Sector-Illiquidity was the epicentre of such crisis. Globally, the Off-Balance Sheet Exposure played a vital role in managing liquidity and solvency issues of commercial banks. This research paper explores the concepts, aspects, analysis of liquidity and the impact of Off-Balance Sheet Items on Liquidity and Solvency. Furthermore, this paper focuses on the liquidity aspects of Public and Private Sector banks towards scrutinizing whether the ownership has any influence on the liquidity and solvency aspects of the banking structure, under the backdrop of Off-Balance Sheet Exposure. Besides, it looks into the unpredictability of RBI’s policies on liquidity like Cash Reserve Ratio, Statutory Liquidity Ratio etc.

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.

Factors Affecting the Outsourcing Activities in Public and Private Sector Banks in India

2021 ◽  
pp. 231971452110531
Author(s):  
Poonam Rautela ◽  
Madhulika P. Sarkar ◽  
Rekha Goel
Keyword(s):  
Private Sector ◽  
Customer Service ◽  
Motivating Factors ◽  
Public And Private ◽  
Factors Affecting ◽  
Public Sector Banks ◽  
Use Of Resources ◽  
Major Factors ◽  
Public And Private Sector ◽  
The Impact

This article aims to identify the major factors which prove as motivation and influence for a bank while deciding what, when, how and whom to outsource. A survey questionnaire was developed and responses were collected from 434 bank employees from two major groups of public sector banks and private sector banks in India. Exploratory factor analysis has been used to find out the latent factors for outsourcing decisions. Results of the study find Strategic competitive advantage, better customer service, better use of resources, capitalization on technological advancements, and cost-effectiveness as the major motivating factors for outsourcing the IT/IS, HR, marketing services, financial and other services. The present research article will be of great help for banks to measure the impact of outsourcing on the profitability, productivity, liquidity, and market share of the banks.

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 Methodology of Measuring Stress – Effects on Motivation & Performance in Public and Private Organisations in Kosovo

2020 ◽  
Vol 8 (1) ◽  
pp. 242-255
Author(s):  
Sejdë Tolaj ◽  
Ymer Havolli
Keyword(s):  
Private Sector ◽  
Occupational Stress ◽  
Stress Measurement ◽  
Employee Performance ◽  
Secondary Data ◽  
Stress Factors ◽  
Primary Data ◽  
Stress Tests ◽  
Public And Private ◽  
Public And Private Sector

Abstract Stress has emerged as an increasing problem in organisations and companies over the recent decades. The workplace has become a place of rapidly changing forces, such as increasing competition, quality pressure, innovation and increasing pace of doing business. As a result, employees’ demands have increased dramatically and this has led to the creation of stress at work. Despite the awareness of the importance of occupational stress, the growing number of stress research and stress measurement methodologies at workplace, there are still major empirical gaps in Kosovo, where this topic is not explored enough. Therefore, the present research seeks to provide scientific contribution to the spread of stress among organisations in Kosovo and to identify factors that cause stress among public and private sector employees. To achieve this goal, as part of the Doctoral Thesis, a methodology of measuring stress has been applied in organisations, and the effects of stress on motivation and performance of employees has been studied. The study has shown that there are several stress factors in organisations, and managers need to undertake specific interventions to manage the occupational stress. Findings of this paper suggest that occupational stress is mainly caused by job insecurity, lack of information on developments in the organisation, work overload, inadequate treatment by the employer, destructive relations among colleagues, lack of general working conditions and resources. The findings also show that occupational stress negatively affects the employees, in particular by reducing employee performance, reducing work efficiency and decreasing their motivation. Furthermore, the results indicate that both public and private sector employees consider similar factors as stressful and experience relatively similar levels of stress. Based on findings from primary data collected through surveys and secondary data from international literature, it is recommended to undertake periodic stress tests, engage senior management level in re-designing jobs, increasing decision-making authority of the employees, reducing workload, reducing role conflict, and continuously providing training.

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.  

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