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1
Rana, Rajat. "Covid-19 Paralyzing the Backbone of Indian Economy." Indian Journal of Economics and Finance 1, no. 4 (November 30, 2022): 9–11. http://dx.doi.org/10.54105/ijef.c2512.111422.
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The Indian government's three-decade-old economic reforms altered the terrain of various sectors of the Indian economy. The banking sector was no exception. As a result of reforms, this industry has seen significant changes. The banking sector plays vital role because it provides one of the most critical services for a developing economy. India is one of the largest economy in the world and its US$ 2.52 trillion1 banking industry is the backbone of the Indian economy. The sector recovered well from global financial crisis and demonstrated its resilience when the industrialized economies were affected. The banking sector in India is booming, thanks to the government's efforts to increase financial inclusion. Today service sector contributes half to Indian GDP and banking makes up chunk of it. India must continue to exploit the growth of banking sector which will help in achieving the distant goal of becoming a developed economy.
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Yoo, Tae Hwan. "Indian Banking Sector Reforms: Review and Prospects." International Area Review 8, no. 2 (June 2005): 167–89. http://dx.doi.org/10.1177/223386590500800209.
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Development in the financial sector, in particular, the banking sector, plays a key role in stimulating and stabilizing economic growth. Since the foreign exchange crisis in 1991, India has undertaken banking sector reforms. This paper focuses on the following two issues. First, I provide an overview of development in the banking sector over the years, especially after the implementation of the reform policy programs. In order to show the evolution of the Indian banking sector, I examine the reserve ratios reduction, interest rate deregulation, and ratios of non-performing assets. Second, this paper investigates the performance of banking groups by comparing the degree of profitability, and the soundness and efficiency of banks in India. In conclusion, while reform policies have had positive effects on the performance of banks, especially Public Sector Banks in India, the Indian government has to take further steps to deregulate and liberalize the banking industry.
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Jaiswal, Avantika, and Ruchi Arora. "IMPACT OF COVID19 IN INDIAN STOCK MARKET WITH FOCUS ON BANKING SECTOR." International Journal of Engineering Technology and Management Sciences 4, no. 4 (July 28, 2020): 46–56. http://dx.doi.org/10.46647/ijetms.2020.v04i04.008.
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Covid-19 related lockdowns are forced over and whole country is affected and all the sector. Financial markets have been confronting high unpredictability because of this virus. Monetary foundations have begun experiencing liquidity imperatives. The performance in India of the banking sector is most likely linked to the economy rather than any other sector. The banking sector which is already reeling under a multi decade low credit growth will be hit by fresh asset quality woes as loan collections will be hit as both large and small companies come to terms. The development of the Indian economy is eased to have slowed down significantly. The covid19 have affected the banking sectors' performance in India resulting that the market is going down. Here researcher's objective is to study the impact of covid19 on Indian stock market on banking sector.
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Ms. Nidhi Sharma, Dr. R. K. Tailor. "Measurement of Financial Performance of Public and Private Sector Banks of India." Tuijin Jishu/Journal of Propulsion Technology 44, no. 4 (November 13, 2023): 5366–72. http://dx.doi.org/10.52783/tjjpt.v44.i4.1895.
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The banking sector of India is one of the fast-growing sectors and considered as a main pillar of Indian Economy. Indian banking sector helps to maintain a healthy financial system and a well growth economy. The banking sector is becoming more complex day by day Hence, performance evaluation, supervision and monitoring of financial statements of Banks is compulsory to ensure the stability of the economy. As the public sector banks comes under the government undertaking, they have to work more to provide better services than private sector banks as they work for customer welfare more than the profitability while on the side public sector banks serves for profit motives. Financial performance of banks helps to review banking errors and regulations related to banking sector. Financial performance measurement is a strategy to provide a platform for improvement and best decision making. This paper is an attempt to analyze and compare the financial performance of selected public & private sector banks of India using some important financial parameters. The study is based on secondary data that were collected from annual reports of the banks. In this study some quantify metrics and descriptive analysis have used to evaluate the actual health position of the selected public & private sector banks. The uses are based on the importance of parameters on financial basis.
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Bhamu, Ankur, and R. K. Agarwal. "Financial Services Offered by India Banking Sector." Journal of Advances and Scholarly Researches in Allied Education 15, no. 4 (June 1, 2018): 165–68. http://dx.doi.org/10.29070/15/57396.
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Sharma, Hemendra, and Sadhana Tiwari. "Indian Banking Sector." VEETHIKA-An International Interdisciplinary Research Journal 9, no. 2 (May 27, 2023): 1–3. http://dx.doi.org/10.48001/veethika.2023.09.02.001.
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When developing a new marketing strategy, the customer is king, and the customer is the protagonist. Customers are at the heart of any successful marketing strategy. Banking field has a unique relationship between customer and the bank. However, due to various reasons such as lack of education, new technical skills, financial goals and risk of failure, some banks use traditional marketing methods while others adopt CRM. With this in mind researchers undertook a modest attempt to develop the idea that’s CRM could be customized to continuously improve banking services across the banking industry. Understanding customer relationship management is an ongoing concern for service providers, especially banks. The bank has the unique ability to manage new and existing customer relationships.
The Indian banking sector has historically gone through five stages: pre- independence, post-independence, pre-nationalization, nationalization and post- liberalization. At all these stages, marketing was not always considered banker's cup of tea, except for the last stage. The paper recognizes with the same caveat that the marketing strategies of private banks in India and abroad are far superior to those of public banks. Only banks that adopt effective and realistic strategies to gain customer trust can survive in the future.
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Bhattacharjee, Prof Sandeep, and Moumita Saha. "Volatility Analysis of Indian Banking Sector using Bollinger Bands." Indian Journal of Economics and Finance 3, no. 1 (November 30, 2023): 15–19. http://dx.doi.org/10.54105/ijef.b2545.053123.
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This research paper aims to analyze the bank volatility in India by examining various factors that contribute to fluctuations in the Indian banking sector. The study investigates the impact of regulatory reforms, macroeconomic indicators, financial stability, and global factors on bank volatility. The research utilizes a comprehensive dataset covering a period of one year i.e (01-04-2022 to 31-03-2023) to provide an in-depth understanding of the dynamics of bank volatility in India. We have used Bollinger bands to understand the volatility of three premier banks in India namely, HDFC Bank, ICICI Bank and STATE BANK OF INDIA in Indian stock market. The findings of this study will contribute to the existing literature on banking in emerging markets, understand the factor of volatility in present times and will also provide valuable insights for policymakers and stakeholders in the Indian banking sector.
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Bajaj, Ritu, and Anshu . "A study on Factors affecting Financial performance of Indian Banking Sector." Journal of Business Management and Information Systems 7, no. 2 (December 31, 2020): 9–16. http://dx.doi.org/10.48001/jbmis.2021.0702002.
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In India there are different sectors which play the major role of accelerator in the growth of Indian economy. In this study, the area of focus is financial transactions sector specially banking sector which plays a momentous role in the economic growth by regulating and controlling the demand for and supply of money. The Indian banking sector supports the fastest growing economy of the world but it is grappling with multiple challenges. This research work analyzes the different variables that affect the financial performance of scheduled commercial banks in India and establish the relationship between selected macroeconomic variables and financial performance indicator. It also highlights the role of banking in changing economic scenario of India. The present study is empirical by nature. Descriptive cum exploratory research design has been used in this study. It has been found that GDP, CPI, exchange rate and lending interest rates are significant macroeconomic variables for determining the financial performance of scheduled commercial banks in India. It has been revealed that long term relationship exists between the selected macroeconomic variables and financial performance variables.
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Brahman, Beena Sagarmal. "Performance Evaluation of Bank of India and Union Bank of India with Respect to Priority Sector." INDO-ASIAN JOURNAL OF FINANCE AND ACCOUNTING 3, no. 2 (2022): 161–74. http://dx.doi.org/10.47509/iajfa.2022.v03i02.08.
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It is been said that India is an agricultural country. And an Indian banking industry plays a significant role in flourishing the Indian agricultural industry. The commendable contribution of the banking sector is one of the major reasons for the upliftment of agricultural industry as a whole. As per National Statistical Office, agricultural sector contributes 20.19% to the total economy of India. Reserve Bank of India has taken an initiative specifically to foster the growth of priority sector. Establishment of Regional Rural Banks is an outcome of those reforms taken place in the banking industry. Even the major players of the Public Sector Banks are indulged vigorously to support rural India. A researcher here has put in efforts to understand and analyze the contribution and role of Bank of India and Union Bank of India in this noble initiative of Government of India. Exponential Growth rate has been considered as a tool to check the intensity of financial contribution of both banks in the upliftment of rural India.
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Hadfield-Hill, Sophie. "CSR in India: reflections from the banking sector." Social Responsibility Journal 10, no. 1 (February 25, 2014): 21–37. http://dx.doi.org/10.1108/srj-11-2012-0145.
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Purpose – This paper aims to explore corporate social responsibility (CSR) within the Indian context, focusing on the banking sector. This is of particular importance at this time given the financial industry's pivotal role in driving forward India's growth; this paper contributes to the literature on the operationalisation of CSR within one of the world's fastest growing economies. Design/methodology/approach – The paper presents empirical, on-the-ground qualitative evidence from the Indian finance sector with regard to CSR operations and motivations. Data are based primarily on a series of semi-structured interviews with “elite” participants; senior officials operating in the banking sector. Findings – The paper offers insight into four levels of CSR engagement which currently exist in the day-to-day operations of Indian companies. Of significance to debates on CSR trends and strategies, the paper presents evidence to suggest that western CSR initiatives are influencing executives in India; ultimately causing a reactive response of an ad-hoc nature. Research limitations/implications – While the focus of this paper is the Indian finance industry, the trends within this sector and emerging practice, one must be cautious about making broad generalisations about CSR in India based on the data presented here. Originality/value – A focus on responsible project finance and CSR is imperative at this time of major infrastructure growth in Brazil, Russia, India and China (BRIC) economies; indigenous financial institutions have a crucial role to play in social and economic development. Through a focus on four modes of engagement, which emerged from empirically grounded data collection, this paper highlights multiple forms of commitment and motivation which are often overlooked when reviewing CSR primarily through reporting methods.
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Archana Salim. "E-Banking Need and Benefits in Indian Economy and Current Financial Innovations in E-banking in India." East Asian Journal of Multidisciplinary Research 1, no. 9 (October 29, 2022): 1757–70. http://dx.doi.org/10.55927/eajmr.v1i9.1138.
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A strong banking sector can be termed as lifeline of an economy. It is one of the fastest growing sectors in India. Because the future of banking will be driven by major technological changes and will transform drastically. The future of Banking is 'Digital’. The covid -19 pandemic has re-designed our lives in terms of how we work, how we shop, even how we bank and this has led to major change in customer behaviour. This paper focused on the importance of e-Banking ,although e-Banking system provide us with easy access to banking services, they have introduced new business challenges .This paper enlightens the knowledge light on new innovations in banking sector.
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Siddarth, M. "Financial Performance of Digital Banking Sector in India." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (October 3, 2018): 264–66. http://dx.doi.org/10.31142/ijtsrd18719.
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Manjusha Goel, Manjusha Goel. "Impact of Technology on Banking Sector in India." International Journal of Scientific Research 2, no. 5 (June 1, 2012): 380–83. http://dx.doi.org/10.15373/22778179/may2013/130.
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Nataraj, Geethanjali, and Ashwani. "Banking Sector Regulation in India: Overview, Challenges and Way Forward." Indian Journal of Public Administration 64, no. 3 (July 24, 2018): 473–86. http://dx.doi.org/10.1177/0019556118783065.
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The Indian banking industry is undergoing the rollout of innovative banking models in the form of more promotion to private banks for attaining the productivity and efficiency. However, increase in the quantity of non-performing assets, poor credit growth and low profitability of Indian banks cast doubt about the industry’s resilience towards maintaining the country’s economic growth trajectory. While taking lessons from global regulatory bodies and keeping in view the domestic problem of the Indian banking industry, the dire need of the hour is to maintain proper checks and balances on banking transactions. The article goes on to sum up the various measures initiated by government to deal with banking-sector challenges and how an attempt is made to adapt regulatory measures from global best practices which could help the banking sector in India become more robust, efficient and effective in preventing all fraudulent transactions and enhancing the quality of its assets.
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Kumar, Kishore, and Ajai Prakash. "Developing a framework for assessing sustainable banking performance of the Indian banking sector." Social Responsibility Journal 15, no. 5 (August 5, 2019): 689–709. http://dx.doi.org/10.1108/srj-07-2018-0162.
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Purpose Sustainable development has now been recognised as the pivot around which development activities should revolve. Banking is an important component in the same and adoption of sustainable banking practices by various banking institutions is a strong driver to achieve sustainable development. The purpose of this paper is to study the level of adoption of sustainable banking tools and the extent to which banking institutions practice the same in India. In addition, the banking institutions have been ranked and categorised on basis of their sustainable banking performance. Design/methodology/approach The proposed framework focuses on the environmental and social conduct of the banks, who address the issues of sustainability in Indian banking sector. As there is a difference in the economic standards of developed and developing countries, the review of literature helps to figure out the gap in specific frameworks for assessing sustainable banking practices in developing countries. Previous researchers have made an attempt to develop a general framework for assessing the sustainable banking efforts of the banking sector. These studies fall short of indicators on the social dimension of sustainability specifically in the context of less developed countries like India, the social dimensions are is equally a major thrust area along with environmental indicators. Content analysis technique has been used to evaluate sustainable banking performance of the banks and Mann–Whitney U test used to determine the differences in sustainable banking performance of the banks in India. Findings In Indian banking sector, the adoption of the international sustainability code of conduct is still in its nascent stage. The research indicates that sustainability issues which are of the highest priority for the banks are directly related to their business operations such as financial inclusion, financial literacy and energy efficiency, and banks are more focussed on addressing social dimension of sustainability in banking rather than important dimensions of sustainable banking, namely, environmental management, development of green products and services and sustainability reporting. Practical implications The application of the proposed framework reflects the status quo of sustainable banking in India. This study is useful for the banks and all the stakeholders in understanding more about the shortcomings in integrating sustainability issues in banking. Further, the present study also redresses the extant research dearth in the field of sustainable banking in the Indian context. Originality/value This is one of the first studies evaluating the sustainable banking performance of the Indian banking sector.
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Karunakaran, S., and N. Gopinathan. "Role of Digitalisation in Rural Banking Sector in Madurai, India." Finance: Theory and Practice 27, no. 1 (March 10, 2023): 76–90. http://dx.doi.org/10.26794/2587-5671-2023-27-1-76-90.
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The Indian banking sector has reached greater heights in recent days because of adopting and involving in the Digitalisation of banking. Though India is moving forward with digitalisation process, our nation faces several setbacks and opposition, which has to be crossed specifically in the rural banking system. The current research work has attempted to examine these challenges and setbacks which are found commonly in rural banking digitalisation. This paper aims in analysing the impacts and influences of Digitalisation in rural banks of Madurai city, Tamil Nadu. Moreover, the study is surveying multiple influencing factors like literacy rate, education qualification, income quality, gender equality and socio-economic position. Finally, some suggestions and conceptions to increase the maximum reach of knowledge and importance regarding the Digitalisation of banks in rural regions are suggested to the government and banking sectors. Regional based loan schemes and mechanisms and procedures must be encouraged by banks. Income assessment, repayable capacity in the rural areas of Madurai has to be initiated. The study focuses on research-based on quantitative tools. The Study aims in explaining the various positive outcomes of bank digitalisation via digital banking and financial inclusion here in India. The present study provides the awareness of the digital world and the advantages of adopting them in rural India for various banking services. The paper concludes that there is a need for digital establishments and digital banking in most rural areas all over India.
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Birajdar, Bhaskar. "Voyage of Indian Banking Sector: 1979-2007." Journal of Global Economy 6, no. 4 (October 31, 2010): 243–52. http://dx.doi.org/10.1956/jge.v6i4.64.
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Observing through the voyage of India Banking Sector, it could be concluded that Indian banking system is operating under competitive state of affairs and earns revenues as if under monopolistic competition, despite not depending on traditional source of fund in the form of deposits as profitability, i.e., return on assets are increasing and approaching towards industry ratio. But still foreign banks functioning in India are on a higher plane with respect to its performance in comparison with other bank groups. Costs of deposits and return on advances of all scheduled commercial banks have declined in the post reform period. However, return on advances was approaching closer to industry average showing competition amongst the banks in making profit on the interest rate front.
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Roy, Dipayan. "Analysis of Technical Efficiency of Indian Banking Sector." International Journal of Finance & Banking Studies (2147-4486) 3, no. 1 (January 21, 2014): 150–60. http://dx.doi.org/10.20525/ijfbs.v3i1.176.
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The proactively evolved banking regulations in the Indian Banking sector under the authorative directive of the Reserve bank of India (RBI) has often brought about a change in the business strategy, capital structure and operations of the banks in the Indian banking sector. During these events of continuous change and adoption of Basel norms, we analyse the efficiency of the Indian banking sector with using Data Envelopment Analysis across three economic eras andacross the different ownership structures. The determinants of efficiency are selected on the basis of intermediation approach. We also attempt to identify whether the inefficiency arises from managerial incompetence or improper size and resource allocation. From our analysis, we identify the main cause of inefficiency in the Indian Banking sector to be arising out of improper size allocation.
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Prem, Cyano, Dr M. Babu, C. Hariharan, and R. Muneeswaran. "Volatility Transmission in Indian Banking Sector." Restaurant Business 118, no. 7 (July 16, 2019): 161–65. http://dx.doi.org/10.26643/rb.v118i7.8012.
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Any new information about the economy is transmitted fast and it may influence the financial markets, positively or negatively. The present study used GARCH (1, 1) and EGARCH models, to investigate the volatility of Indian banking sectors indices, namely, Nifty PSU Index and Nifty Private Bank Index of NSE India Ltd. The result of the study confirmed that the high volatility was found in both the bank indices. At the same time, negative information about Indian economics did affect the PSU and Private Bank Sector indices during the study period. Finally, the study concluded that bad news travels fast and it increased volatility more than good. Hence the Government should give more information and awareness programme to the people before the implementation of any economic policy.
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Dhuri, Maithili Prashant. "Open Banking: Digital Innovation in Banking Service in India." YMER Digital 21, no. 07 (July 18, 2022): 541–51. http://dx.doi.org/10.37896/ymer21.07/43.
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From the use of electronics to automation of many processes in the banking sector, people are now moving toward innovations. These innovations can be termed as disruptive technologies which are changing the whole structure of banking sector all over the world. The paper gives information about some of the technologies innovated and the future technologies that can be innovated for the banking sector. The Open Banking Platform Innovation will be discussed in detail in the research paper. Also its advantage and disadvantages will be discussed with the solutions and the road ahead for the banking sector. Keywords: Innovation, Bank, Technology change, IT Management
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Kant, Rishi, and Deepak Jaiswal. "The impact of perceived service quality dimensions on customer satisfaction." International Journal of Bank Marketing 35, no. 3 (May 15, 2017): 411–30. http://dx.doi.org/10.1108/ijbm-04-2016-0051.
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Purpose In the present competitive scenario in the Indian banking industry, service quality has become one of the most important facets of interest to academic researchers. The purpose of this paper is to determine the dimensions of perceived service quality and investigate their impact on customer satisfaction in the Indian banking context, with special reference to selected public sector banks in India. Design/methodology/approach On the basis of the empirical study, the authors validate a measurement model using structural equation modeling for investigating the impact of perceived service quality dimensions on customer satisfaction. The study sample consists of 480 respondents in the National Capital Region (NCR) of India; the data were collected through a structured questionnaire utilizing a seven-point Likert scale while implementing a purposive sampling technique. Findings The perceived service quality dimensions identified were tangibility, reliability, assurance, responsiveness, empathy, and image. The empirical findings revealed that “responsiveness” was found to be the most significant predictor of customer satisfaction. On the other hand, “image” (corporate image) has a positive but the least significant relationship with customer satisfaction followed by all other constructs. The exception is “reliability,” which is insignificantly related to customer satisfaction in Indian public sector banks. Research limitations/implications The study cannot be generalized in the context of Indian banking sectors, as it only focused on the public sector. The findings of this study suggest that the six dimensions of perceived service quality model are a suitable instrument for evaluating bank service quality for public banks in India. Therefore, bank managers can use this model to assess the bank service quality in the context of Indian public sector banks. Originality/value There is dearth of research focusing on corporate image as a dimension of perceived service quality and its effect on customer satisfaction in the Indian banking context. Furthermore, similar studies were rarely found in the Indian context, especially within the public banking sector. Hence, this paper attempts to accomplish the research gap by empirically testing the satisfaction level of a large sample of the population in NCR toward six dimensions of perceived service quality rendered by selected public sector banks in India.
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Birt, Jacqueline, Mahesh Joshi, and Michael Kend. "Segment reporting in a developing economy: the Indian banking sector." Asian Review of Accounting 25, no. 1 (February 6, 2017): 127–47. http://dx.doi.org/10.1108/ara-06-2015-0064.
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Purpose The purpose of this paper is to investigate the value relevance of segment information for both public and private sector banks in India. In doing so, this paper examines a rapidly developing economy and perhaps its most critical sector during this period of strong economic growth. Design/methodology/approach In this study uses the simplified Ohlson model, for a sample of 136 private sector and public sector banks for the period 2007-2010 in India. Findings The paper finds that public sector banks have higher share prices, higher earnings and more equity compared with private sector banks. Segment earnings data is highly value relevant for both sectors; however, segment equity data is only marginally value relevant for Indian banks. The number of segments is also value relevant and associated with higher share prices. Originality/value The results of this study contribute additional evidence to the literature on segment reporting by studying the effect of adoption of segment reporting in an emerging market. Findings from the paper are particularly relevant as India is currently in the process of changing its segment reporting requirements and moving to an IFRS-based segment standard.
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Dudhe, C. "A Selective Study: Camels Analysis of Indian Private Sector Banks." International Journal of Engineering and Management Sciences 3, no. 5 (December 10, 2018): 277–83. http://dx.doi.org/10.21791/ijems.2018.5.28.
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Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. Evaluating Indian banking sector is not an easy task. There are so many factors, which need to be taken care while differentiating good banks from bad ones. Performance evaluation of the banking sector is an effective measure and indicator to check the soundness of economic activities of an economy. The contribution of RBI and other policy maker, the banking industry has witnessed regulatory requirements like BASEL III norms. These regulatory changes have influenced prominent improvement in efficiency and performance of the Indian Scheduled Commercial Banks in the past few years. In the present study an attempt was made to evaluate the performance & financial soundness of select Private Sector Banks like ICICI,HDFC AND YES bank using CAMEL approach from 2013 to 2017 as well one way anova method. It is observed that on an average ICICI was at the top most position. It is also observed that yes Bank was at the bottom most position in selected CAMEL ratios.
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Uppal, R. K. "Banking Sector Reforms: Policy Implications and Fresh Outlook." Information Management and Business Review 2, no. 2 (February 15, 2011): 55–64. http://dx.doi.org/10.22610/imbr.v2i2.883.
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Various reform measures introduced in India have indeed strengthened the Indian banking system in preparation for the fresh global challenges ahead. The present paper reviews the banking sector reforms policy, crucial issues and agenda for the future. On the basis of certain parameters, like productivity, profitability and NPAs’ management, the paper concludes that foreign banks and new private sector banks are much better in performance as compared to our nationalized banks in the post-banking sector reforms period. The paper ends with the future agenda for the Indian banking industry, particularly for public sector banks to make them efficient and strong, to compete with the global banks.
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Gupta, Sumeet, and Renu Verma. "Comparative Analysis of Financial Performance of Private Sector Banks in India: Application of CAMEL Model." Journal of Global Economy 4, no. 2 (June 30, 2008): 160–80. http://dx.doi.org/10.1956/jge.v4i2.124.
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Banking in India is mature in terms of supply, product range and reach-even in rural India through rural banking and remote banking. In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets. The present research work analyses the overall financial performance of major private sector banks in India through application of CAMEL Model. Besides it also attempts to compare the performance of these Banks with the help of Composite Ranking Method.
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Singh, Jaspreet, and Neena Brar. "Internet Banking Need of Current Scenario." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 2 (June 30, 2012): 67–72. http://dx.doi.org/10.24297/ijmit.v1i2.1448.
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Banking in India originated in the last decades of the 18th century. The IT revolution influenced the Indian banking system a lot. The use of computers had led to existence of online banking in India. The use of modern innovation and computerisation of the banking sector of India has increased many folds after the economic liberalisation of 1991 as the country's banking sector has been exposed to the world's market. The Indian banks were finding it hard to compete with the international banks in terms of the customer service without the use of the information technology and computers. Internet banking as a medium of delivery of banking services and as a strategic tool for business development, has gained wide acceptance internationally and is fast catching up in India with more and more banks entering the fray. In the light of this background, the objective of this paper is to study the perceived usefulness of Internet Banking. This paper tries to know the level of awareness among customers. This paper also tries to check the perception of risks closely connected with Internet Banking and study the scope of Internet Banking, so that companies can fulfill their duty in an appropriate and suitable manner.
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Shifa Fathima, J. "Digital Revolution in the Indian Banking Sector." Shanlax International Journal of Commerce 8, no. 1 (January 1, 2020): 56–64. http://dx.doi.org/10.34293/commerce.v8i1.1619.
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“Digital” is the new popular expression in all sectors. With other sector, banking is additionally all around the world moving towards digitalization. Banks all things considered and over all areas are making immense investments in digital activities so as to keep up a competitive edge and convey the greatest to its customers. Selection of digitalization is significant for the banking sector. By grasping digitalization, banks can provide upgraded customer services. This provides accommodation to customers and aides in sparing time. Digitalization has transformed manual processes, transactions and exercises into digital services. Over all verticals, buyer needs have been met in entirely imaginative manners, upsetting existing enterprise esteem chains. Digitalization reduces human blunder and in this manner constructs customer unwaveringness. Today, individuals have nonstop access to banks due to online banking. Managing a lot of cash has additionally become simpler. Digitalization has additionally profited customers by encouraging cashless transactions. Customers need not store cash any longer and can make transactions at wherever and time. A few commercial banks began moving towards digital customer services to stay competitive and relevant in the race. Banks have profited in a few different ways by receiving more current innovations. E-banking has brought about reducing costs definitely and has created revenue through different channels. Commercial Banks in India have moved towards innovation by method for Bank Mechanization and Automation with the prologue to MICR based check processing, Electronic Funds transfer, Inter-availability among bank Branches and implementation of ATM (Automated Teller Machine) Channel have brought about the accommodation of Anytime banking. Solid activities are taken by the Reserve Bank of India for reinforces the Payment and Settlement systems in the banks. Indian government, banks, fintech companies have been advancing and changing the manner in which India spends its money. Simultaneously digital revolution additionally raises new challenges to the solidness and the uprightness of the financial system and the protection of buyers. Hence, the present study has been done on the digital revolution in the Indian Banking sector and the study based on the secondary sources of data.
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Pravesh Kumar. "Prospects of growth in Service Sector in India." RESEARCH HUB International Multidisciplinary Research Journal 9, no. 1 (January 12, 2022): 14–19. http://dx.doi.org/10.53573/rhimrj.2022.v09i01.003.
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Indian Economy is experiencing Service-led-growth during the past few years and so the main reasons for the rapid growth of the service sector should be studied thoroughly. All service sectors participated in this boom growth are fastest in communications, banking, hotels and restaurants, community services, trade and business services. This paper is focused on the study of prospects of growth in India.
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Hymavathi, Dr Ch. "A Study on the Evolution and Assessment of ICT practices in the Indian Rural Sector Banking." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (April 11, 2021): 5495–503. http://dx.doi.org/10.17762/turcomat.v12i3.2211.
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In order to survive in the cut throat competition, the banking sector has been adopting technical aspects. The information communication technological aspects of the banks help to attain the competitive advantage over the other. This research paper is emphasized to evaluate the information and communication technologies adopted by the banking sector in India. However, this paper is also aimed to assess the impact of information and communication technology in the Indian banking. The study focused to understand this scenario in the Indian rural sector. The samples are drawn from 300 rural banking customers and analyzed the data.
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Kulshrestha, Preeti, and Anubha Srivastava. "USE OF CAMEL RATING FRAMEWORK: A COMPARATIVE PERFORMANCE ANALYSIS OF SELECTED COMMERCIAL BANKS IN INDIA." Copernican Journal of Finance & Accounting 11, no. 1 (June 20, 2022): 67–87. http://dx.doi.org/10.12775/cjfa.2022.004.
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The performance of the banking sector is significant for any economy. The growth of a nation relies significantly upon efficient and optimum utilization of resources and also on operational efficiency of various sectors of an economy, of which the banking sector is a critical part. Banking system strengthens the stimulation of capital formation and provides liquidity. Indian banking sector comprises private, public, rural and foreign banks. In India, public sector banks are encountering challenges from private sector banks and are under constant pressure to perform better. Hence, this study endeavors mainly to analyze and compare the financial performance of the private and public banking sector by using CAMEL rating approach and for this purpose total of fourteen banks, representing the private and public, have been selected. The selected sample are the market leaders and have the highest market capitalization in the capital market. Overall, the paper aims to measure and compare the financial performance of private and public sector banks by employing CAMEL approach on their audited financial reports of eight years period i.e. (2011–2018). The ratios considered for this analysis includes Capital Adequacy (CA), Asset Quality (AQ), Management Soundness (MS), Earnings and Liquidity (LR). This study devised ranking method based on averages of various ratios and one way annova test is applied to find out statistical significance difference amongst groups. Results shown that private sector banks are better performers compare to Public sector bank. The overall results signify that the performance of private sector banks has improved because of the implementation ofmodern technology banking reforms and recovery mechanism.
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Vijayalakshmi, R., and J. Srinivasan. "AN OVERVIEW OF INNOVATIVE PRODUCTS AND TECHNIQUES IN BANKING INDUSTRIES." YMER Digital 21, no. 08 (August 17, 2022): 676–79. http://dx.doi.org/10.37896/ymer21.08/56.
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The financial area in India has been various changes. The banks are the life savers of the economy and assume a synergist part in enacting and supporting financial development, particularly, in emerging nations and India is no exemption. Driving supporter for GDP in India is Banking Industry. The vast majority of the banks have started to adopt an enhance strategy towards banking, with the target of making more incentive for clients in the banks. Banking in India has previously gone through a gigantic change in the years since freedom. These days we have E Banking framework alongside money notes. India's financial framework can make another instrument alongside liquidity and wellbeing. The Indian financial area where presented appearance of the card, presentation of Electronic Clearing Service (ECS) in 1990's such as “EFT, RTGS, NEFT” versatile banking, web-based banking are the different developments in banking. This paper focuses an outline of advancements in financial area. Keywords: Innovate banking. Challenges of banking, New Technological changes, Indian banking sector
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Dhanya B K and V. P. Velmurugan. "Customer Awareness Towards e-Banking Management for Maintaining a Sustainable Environment." Revista de Gestão Social e Ambiental 17, no. 6 (July 10, 2023): e03398. http://dx.doi.org/10.24857/rgsa.v17n6-017.
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Objective: The financial sector and banking support the economy as a whole. The objective of this study is to determine the extent to which consumers are conscious of the benefits of e-banking, the role of demographic factors in determining their satisfaction with e-banking, and the overall satisfaction level with bank services. Theoretical Framework: The study focuses on the financial sector and banking, exploring how private sector banks in India fulfil statutory and regulatory obligations while providing basic banking and para-banking services. Method: The research incorporates both primary and secondary sources and includes three public banks in Kerala, India: Bank of India, Indian Bank, and Union Bank of India. Each bank is considered a separate population, and a sample of 513 bank customers is selected from each region. The Cochran sample size calculation formula is used to determine the appropriate sample size. Statistical analysis, including multivariate analysis of variance and chi-square tests, is conducted using the Statistical Package for the Social Sciences (SPSS). Results and Conclusion: The findings indicate that bank consumers are satisfied with the e-banking environment and management. Implications of the Research: The research has implications for the banking industry, highlighting the importance of e-banking and demographic factors in customer satisfaction. The findings can inform banks in improving their electronic banking options and overall service quality. Originality/Value: This study contributes to the existing literature by examining consumer satisfaction with e-banking specifically within the context of public banks in Kerala, India.
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Roy, Dipayan. "Analysis of Technical Efficiency of Indian Banking Sector: An Application of Data Envelopment Analysis." International Journal of Finance & Banking Studies (2147-4486) 3, no. 1 (January 19, 2016): 150. http://dx.doi.org/10.20525/.v3i1.176.
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<p>The proactively evolved banking regulations in the Indian Banking sector under the authorative directive of the Reserve bank of India (RBI) has often brought about a change in the business strategy, capital structure and operations of the banks in the Indian banking sector. During these events of continuous change and adoption of Basel norms, we analyse the efficiency of the Indian banking sector with using Data Envelopment Analysis across three economic eras andacross the different ownership structures. The determinants of efficiency are selected on the basis of intermediation approach. We also attempt to identify whether the inefficiency arises from managerial incompetence or improper size and resource allocation. From our analysis, we identify the main cause of inefficiency in the Indian Banking sector to be arising out of improper size allocation.</p>
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Munjal, Parul, and P. Malarvizhi. "Impact of Environmental Performance on Financial Performance: Empirical Evidence from Indian Banking Sector." Journal of Technology Management for Growing Economies 12, no. 1 (April 28, 2021): 13–24. http://dx.doi.org/10.15415/jtmge.2021.121002.
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There has been long-standing debate over whether or not firms gain economic competiveness from reducing their impact on the environment. Although ample literature is available on association between environmental performance and financial performance across various sectors, little empirical evidence is available in context of Indian banking sector. This research aims to analyze whether there is any significant relationship between environmental performance and financial performance of banks operating in India for a period 2013-14 to 2017-18. Secondary data has been collected for a sample of 83 banks operating in India. Content analysis was applied to extract information about environmental performance disclosed by sample banks followedby construction of environmental disclosure score index. Hierarchical multiple regression was applied to analyze relationship between environmental performance and financial performance after controlling for effects of size, financial leverage and capital intensity. Results exhibit no significant relationship between environmental performance and financial performance of banks operating in India. Findings of this research are expected to provide insight to users and readers of financial statements to have better understanding about the environmental practices carried out by banks. It would also contribute significantly towards decision making for policy makers in Indian banking sector to establish mandatory environmental legislations for reporting on environmental practices in order to improve non financial disclosure and financial performance in Indian banking sector.
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Kumar Basu, Udayan. "Banking in India." Foreign Trade Review 40, no. 2 (July 2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.
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Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, under one roof, all kinds of financial services including project financing and leasing. Besides, banks are allowed to go in for investment in securities also. However, the guidelines for direct lending have not been touched so far. Consequently, there are restrictions on the ways in which banks in India can deploy their available resources. In this article, an analysis has been carried out to show how such structural restrictions translate into what is often termed as interest rate rigidities for banks. How the loan losses impact on their interest spread as well as the urgent need to improve the framework for recovery of banks' NPAs has also been gone into. Moreover, the scope for moral hazards in banks, which are limited liability entities, has been explored and need for efficient risk management as well as effective risk-based supervision for ensuring their sustained viability has been analyzed and commented upon. A cut-off risk for bankable projects has also been worked out. The findings are interesting because the analysis takes into account the real life constraints faced by the banking sector and the results reflect the realities of this sector.
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Tad, M. C. Shibin, M. Syed Mohamed, S. Fenin Samuel, and Deepa M. J. "Artificial Intelligence and Robotics and their Impact on the Performance of the Workforce in the Banking Sector." Revista de Gestão Social e Ambiental 17, no. 6 (July 10, 2023): e03410. http://dx.doi.org/10.24857/rgsa.v17n6-012.
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Objective: This study seeks to investigate the application and impact of Artificial Intelligence (AI) in the Indian banking sector, specifically its role in optimizing operations and enhancing customer service. Theoretical Framework: The study is grounded in the perspective that AI, a technology marked by its human-like intelligence, has transformative potential in diverse sectors, including banking. It is theorized that AI applications can lead to customer service automation, personalized services, and data-driven decision-making in banking. Method: A combination of secondary data sources, including documents, newspapers, news reports, banking databases, RBI portals, and websites, was utilized. Further, quantitative analysis was conducted on primary data collected from two hundred banking staff members across different banks in Tamilnadu, India. Results and Conclusion: The data analysis demonstrates a significant correlation between AI implementation and improved banking performance. Nonetheless, the Indian banking sector is yet to fully leverage AI and machine learning capabilities. The study foresees a promising future with AI deployment, offering opportunities for cost reduction, enhanced customer experience, and financial inclusion. Implications of the research: Despite challenges such as linguistic diversity, customer trust, and data security, the research suggests potential partnerships with fintech companies to mitigate these issues. This research thereby contributes to the understanding of AI's transformative potential in the banking sector and the way forward to address existing challenges. Originality/Value: This research offers unique insights into AI's role in reshaping traditional banking practices and the hurdles to its extensive application in India. It suggests a novel approach of partnerships with fintech companies to overcome these challenges, adding value to the discourse on AI in banking.
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T, Sobha Rani. "Profitability performance of private sector banks." Journal of Management and Science 1, no. 2 (June 30, 2013): 267–80. http://dx.doi.org/10.26524/jms.2013.32.
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Banking plays a crucial role in enriching the economic and social life of nations all over the world.. Their ability to make a positive contribution in igniting the process of growth depends on the effective banking system. Private banking in India was practiced since the beginning of banking system in India. Technique. It represents the efficiency with which the operations of the banks are carried on. The analysis of the profitability performance is extremely useful to various interested parties Profitability performance analysis is one of them.In the present study, an attempt has been made to appraise the financial position of the bankthrough the application of profitability performance analysis technique.
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Kour, Manjit. "Ethical Ideology of Managers in Banking Sector in India." Think India 21, no. 3 (December 20, 2018): 19–26. http://dx.doi.org/10.26643/think-india.v21i3.7759.
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The present paper presents the analysis of ethical ideology of managers working in banking sector in Punjab, India. For the purpose of understanding ethical ideology of managers Ethics Position Questionnaire (Forsyth, 1980) is administered to 274 managers working in ten banks in Punjab state of India. Managers are then classified into different ethical ideologies as per Forsyth’s ethical taxonomy (Forsyth, 1980). The results found that most of the bank managers are situationists and very few are absolutists. It is also found that none of the managers fall in the exceptionist or subjectivist group. It shows that there is probability of most of the Indian Bank managers using less of universal moral rules and more appraise the current situation and use it as the basis for making a judgment.
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B.K., Dhanya, and Dr Velmurugan V.P. "Satisfaction Level of Customers in Demographic Variables in Public Sector Banks." Webology 19, no. 1 (January 20, 2022): 1017–27. http://dx.doi.org/10.14704/web/v19i1/web19070.
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The aim of our study is to look at the impact of various demographic parameters on Internet banking service excellence, client value, fulfillment, and trust. Increased competition and the emergence of financial liberalization-driven technology are pushing significant changes in the way Indian banks operate and provide services to their consumers. Banks are rapidly going into a new era of fantastic technological banking in order to ensure functional excellence and improved consumer loyalty. Because using technology to provide banking services costs money and time, it's vital to assess whether technological advancements genuinely improve client satisfaction. The aim of our study is to look at the effect of demographic factors on several determinants of consumer satisfaction in the Indian banking industry, as well as their relationship to service quality, value, and overall performance in electronic banking. In Thiruvananthapuram district, Kerala, India, a customer survey (N=290) of Indian public sector banks such as UDC Bank, Indian Bank, and Indian Overseas Bank gathered the required data. According to the data, consumers with a higher level of education and revenue who utilize Internet banking for a large portion of their financial requirements and have done so for a longer period appear to have a higher level of satisfaction. Customers' evaluations of the efficiency, value, satisfaction, and loyalty component of internet banking service were used to determine gender and age.
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Farooqi, Ataur Rahman, D. R. Pallavi, and M. Ramachandran. "Role of Information Technology in Banking Sector with Special Reference to State Bank of India." Recent trends in Management and Commerce 3, no. 1 (March 1, 2022): 46–52. http://dx.doi.org/10.46632/rmc/3/1/8.
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Liberalization and information technology have attracted many foreign banks to India, Opening up new markets, new products and efficient delivery avenues for the banking sector. The banking sector plays an important role in the growth of the Indian economy. Increased penetration, productivity and efficiency through the use of technology. This not only increased the cost effectiveness, but also helped to process small value transactions. It improves choices and creates new markets and improves productivity and efficiency. It is observed that financial markets in India have become a market for buyers. Commercial banks in India are now becoming supermarkets in one place with the introduction of value-added and customized products, the focus shifts from mass banking to class banking. Technology Banks do not hire people for manual operations Allows you to create a branch in the lobby of the commercial building. Tele Banking, ATMs, Internet Banking, Mobile Banking and branches through e-banking operate on a 24 X 7 operating principle. These technology based delivery channels at low cost And is used to reach maximum customers very efficiently. The beauty of these banking innovations is that this puts both the banker and the customer in a successful environment. Efficient use of technology has many times the effect on growth and development
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Prudhvi, Sankar, and Mousumi Bhattacharya. "Shadow banking in India." Corporate Governance and Sustainability Review 4, no. 2 (2020): 30–39. http://dx.doi.org/10.22495/cgsrv4i2p3.
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The NBFCs have been the proxies of shadow banking in India. The shadow banking channel is in its evolutionary phase in India. Hence the debate about the shadow banking channels is still on as far as India is concerned. The FSB (Financial Stability Board) in its report points out the various emerging trends and growth of the shadow banking channels in various countries including India. It is imperative to study the trends of shadow banking channels in India to understand the possible financial contagion effect of it on the formal banking systems. This paper studies the deposits accepted by and the loans advanced by the NBFCs from/to the households sector, the credit flow to the commercial sector from the non-banking channels to understand the broad trends. It further studies the difference in the net flow of resources to and from a particular type of NBFCs, to gain insights into the sources of funds with an objective to understand the interconnectedness of NBFCs and the formal banking channels. The paper makes an attempt to study the relationship between CRAR and GNPA to understand the financial performance with a specific reference to NBFC-MFIs (selected on a sample basis).
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Bhatt, Prachi. "Changing Planes in Managing Human Resources in High Performing Indian Banking Organizations: Attract, Retain, and Motivate." Journal of International Business and Economy 18, no. 2 (December 1, 2017): 60–83. http://dx.doi.org/10.51240/jibe.2017.2.3.
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Sensitive to change, human resource (HR) function plays a crucial role in dealing with globally competitive marketplace. Banking sector in a developing country like India is no different. There is an urgent need to revolutionize HR practices in Indian banking. This paper, as part of a larger research, studies high performing banking organizations in India and proposes a changing pattern of HR for the Indian banking organizations through the attract, retain, and motivate (ARM) framework. Further, the paper examines through exploratory factor analysis (EFA) whether and to what extent the changing pattern in HR practices in case of public and private sector banks supports the proposed conceptual framework. Thus, the paper presents empirical evidences (412 employee respondents) for the changing pattern of HR practices. The paper exhibits differences in the extent to which HR practices are changing in the public and private sector banks. Decisions to improve the HR priorities and practices can lay foundations for high- performing organizations. The paper examines an important issue for managerial decision-making in identifying the right blend of ARM to become high performing banking organization
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Nadham, N. Viswa, Piyali Roy Chowdhury, and Roopashree Rao. "Examining the association between stock return and seasonally adjusted trade in India." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 8 (January 1, 2022): 228–35. http://dx.doi.org/10.20525/ijrbs.v10i8.1487.
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This paper aims to examine the association between Indian stock market return and seasonally adjusted trade for Indian Banking sector shares. The objective of the study is to measure the association between stock return and seasonally adjusted trade in the Indian stock market and recommend strategies. Due to the Covid 19 outbreak banking sector was highly affected, the Government of India also announced a moratorium on all categories of loans, banking business majorly depending on the deposit and loan creation, so the Government decision threaten the banking sector. Many private sector banks terminated temporary staff because of cut cost policies. We divided the banking sector into three segments. Namely, Public, Private and Small Finance Banks. Utilizing daily data from February 2020 to July 2020, consisting of 2196 in numbers, we ran a panel Vector Autoregression model to analyze the association. It was found that the return of stocks is influencing the volume of trade during this period. Also, while measuring the short-run causality, it is found that the return of banking stocks specifically granger causes the volume of trade. The suggestions of the study lie in providing importance to framing policies on improving the financial health of the economy through different fiscal policies. Strategic policies are required to face post-Covid situations. The turnaround strategies to combat the effects of the pandemic are characterized by the availability of the sustainable resources of the particular sector in consideration.
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Yuvaraja, U., B. Gururaja, and K. Sampreetha. "Development of Commercial Banks during Pre and Post Globalization Era in India: An Analysis." Shanlax International Journal of Arts, Science and Humanities 7, no. 1 (July 1, 2019): 26–34. http://dx.doi.org/10.34293/sijash.v7i1.371.
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Banking is an old business and a central pillar of Indian society. Money lending activities in India had traced back to the Vedic period (according to Central Banking Enquiry Committee-1931). The professional banking system existed long ago- Manu Murthy, Kautilya’s Arthashastra- in India. Initial stage growth of Indian banks was very sluggish and also experienced episodic failure between 1913 and 1948. The banking sector in the pre-reform period was experienced poor performance and caught into deep crisis due to excessive loans in comparison to total deposits having a ratio more than 50 per cent consisting of about 90 per cent of all commercial banks which posed a significant threat to the stability and transparency of the financial system. During those days, the public had lesser confidence in the banks. Government at this juncture decided to introduce comprehensive economic reforms. Environmental and regulatory changes have made this sector more competitive and improved the health of the Indian banking sector. The study's main purpose is to analyse the growth of India scheduled commercial banks during pre and post-globalisation period in three phases viz., a)Early Phase of growth of the CBS: 1936-1969, b) Period of Social Control:1967 -1991 and c)Phase of Globalization:1991-2018. The present study is based on, purely, secondary data.
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Ladha, Rani S. "Merger of Public Sector Banks in India Under the Rule of Reason." Journal of Emerging Market Finance 16, no. 3 (September 10, 2017): 259–73. http://dx.doi.org/10.1177/0972652717722085.
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This article models the idea of rule of reason of the antitrust literature and applies the model to analyse the possible consolidation of the Indian banking industry through merger and acquisition activities. It offers a strategic perspective for public sector banks whereby the banks either meet societal goals or become savvy international players through mergers. India being an emerging economy, the banking industry faces two critical initiatives: (i) proactive servicing of the rural areas and priority sectors and (ii) a serious presence in the international markets to compete with larger global banks. The model developed in this article suggests ways to evaluate and examine mergers in the banking sector in India to support both these initiatives. It proposes that the government could use the threat of merger to induce reluctant public sector banks to meet the critical domestic agenda and performance metrics. Those that meet the societal goals may continue to have the benefit of the status quo. Those that do not are required to merge to form an entity that can internationally compete in raising equity and deposits and providing loans and services. JEL Classification: G34, G38, K21
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P.Thanigaivelan and Dr. M.Vidya. "A Study on Factors Influencing the Financial Performance Analysis Selected Private Sector Banks in India." International Journal of Engineering and Management Research 12, no. 3 (June 14, 2022): 108–12. http://dx.doi.org/10.31033/ijemr.12.3.15.
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The growth of a country's banking sector has a significant impact on its economic development. The banking sector plays a critical role in determining a country's economic future. A well-planned, structured, efficient, and viable banking system is an essential component of an economy's economic and social infrastructure. In modern society, a strong banking system is required because it meets the financial needs of the modern society. In a country's economy, the banking system plays a crucial role. Because it connects surplus and deficit economic agents, the bank is the most important financial intermediary in the economy. The banking system is regarded as the economy's lifeline. It meets the financial needs of commerce, industry, and agriculture. As a result, the country's development and the banking system are intertwined. They are critical in the mobilisation of savings and the distribution of credit to various sectors of the economy. India's private sector banks play a critical role in the country's economic development. So The financial performance of private sector banks must be evaluated carefully.
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Varaprasad, G., R. Sridharan, and Anandakuttan B. Unnithan. "Internet Banking Adoption by the Customers of Private Sector Banks in India." International Journal of Strategic Decision Sciences 4, no. 1 (January 2013): 40–51. http://dx.doi.org/10.4018/jsds.2013010103.
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The rapid advancements in communication and information technology have changed the functional scenario of the banking sector significantly. The savings in time, money and effort by a novel channel of banking called as internet banking has been found to be an optional channel for the traditional banking. The objective of this study is to identify the determinants of internet banking adoption in private sector banks of India. Factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage and trialability have been found to be the determinants of internet banking in the previous studies. A new variable called conspicuousness has been introduced in the present study. Such a study has not been conducted in the Indian context antecedently. A model has been proposed and tested using various statistical techniques. The findings are of great use primarily for the banks which are planning to offer internet banking services, and for already existing banks to focus on the gaps.
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Pandey, Alok, and Syamal K. Ghosh. "NPA Management in India: In Search of a New Paradigm?" Paradigm 9, no. 2 (July 2005): 64–76. http://dx.doi.org/10.1177/0971890720050207.
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The banking & financial sector in India is undergoing rapid transformation Banks & financial institutions have amassed huge NPA's (Non-Performing Assets). This paper presents a comparative analysis of NPA management practices in several Asian countries and seeks to find out whether Indian institutions should emulate these. It also looks at several innovations in NPA and credit risk management techniques at banks & financial institutions in the last decade. This paper also analyzes the efficacy of credit derivatives as a tool for credit risk management and insolvency management in banking and financial institutions. It critically analyzes the evolution, growth and usage of these instruments since their introduction in the banking sector in India.
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Dawar, Gaurav, and Swati Goyal. "OWNERSHIP STRUCTURE & RISK IN INDIAN BANKS: A COMPARISON OF PRIVATE AND PUBLIC BANKS." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 1 (May 30, 2012): 7–12. http://dx.doi.org/10.24297/ijmit.v1i1.1453.
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Banking sector is one of dominant sector and represents growth and development of the economy. The sector has been one of the top performers in stock market. Indian Stock Market experienced great volatility during the period of 2007-2008. The study is about the ownership structure and risk in Indian banks which they encountered during the period of slow down in India. This paper examines the effect of ownership on performance and risk of commercial banks in India during the period 2000-2009. The study would examine whether there exists any significant difference in the performance and risk among Public and sector banks and effort has been made to evaluate the performance of bank before and after the period of 2007-2008 to evaluate and understand the ground reality in Indian banking sector. The study investigated that whether any significant difference exists in the performance and risk of ownership groups of private & public banks in India. Regression results would be used to examine the association between the size of the banks and non-performing loans, and between demand deposits & risky loans.
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Vidyasagar, Kandarp, and Rajiv Kr Dwivedi. "POST DEMONETISATION EFFECT ON BANKING SECTOR, MICRO FINANCING INSTITUTIONS (MFI) AND JOB OPPORTUNITIES." International Journal of Management, Innovation & Entrepreneurial Research 6, no. 2 (August 24, 2020): 39–44. http://dx.doi.org/10.18510/ijmier.2020.624.
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Purpose of this study: This study aims at investigating the effect of demonetisation on the major sectors of the Indian economy i.e. banking sector, micro-financing sector, and employment sector. The government of India claims demonetisation as a tool to tackle inflation, black money, corruption, crime, and terror funding, while others call it harassment attitude.
Methodology: In this regard, a survey has been done to collect data from secondary sources. Further data were analysed graphically.
Results: The study reveals that there is marginal control over black money. The financial institution RBI suffered a loss due to excess of cash collection and failed to regulate the money properly. The employment sector is affected and a good number of people lost their jobs. Also, micro-financing institutions (MFI’s) business was affected worstly.
Social Implications/Applications: The MFIs and SMEs should be promoted and provided with legal financial assistance in order to compensate for their loss so that the 30% of citizens living below the poverty line get relief.
Novelty/Originality of this study: This combined study on various sectors gives a clear picture of the effects of post demonetisation in India which can help in predicting Indian economic conditions for the years to come.