Academic literature on the topic 'India`s public sector banks'

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Journal articles on the topic "India`s public sector banks"

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Limbad, Shaileshkumar Jausukhbhai, and Vinod Patel. "Measuring Performance towards Customer Relationship Management Practices in Indian Banking Sector: Study of Conceptual Theories and Focus on Developing CRM Model." Cross Current International Journal of Economics, Management and Media Studies 1, no. 4 (July 18, 2019): 87–93. http://dx.doi.org/10.36344/ccijemms.2019.v01i04.001.

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The intensive competition between retail banks in India and all the banks realized the needs for protecting existing customer base. Maintaining customer relation and build a loyalty has become a business strategy, and banks also realize that customer lifetime value identifies the value of a long-term relationship. This study mainly focused on types of CRM practices deployed in Indian banking sector and the changes needed with evaluation and cut throat competition. It helps to increase the ability to serves customer better and to improve the marketing productivity. It will also help to understand the effectiveness of CRM practices adopted by the various banks. With the theoretical and conceptual background of Customer Relation Management, the present study intends to focus on customers‟ perception towards performance on CRM practices by Indian commercial banks including Public, and Private Sector Banks. There are some research gaps exist in measuring the CRM effectiveness in past; and with special reference to its modern applications in banking organization in present. Many studies done on multiple aspects but dynamic aspects of CRM practices make it older. This research study aims to measure customer perception towards CRM practices apply by various Indian commercial banks, A broad comparison is also attempted between the CRM practices of India‟s top 3 Public Sector Banks and India‟s top 3 Private sector banks. So that here researcher tries to evaluate different models and relationship between different service parameters of CRM
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Rao, Mayur, and Ankita Patel. "A study on non performing assets management with reference to public sector banks, private sector banks and foreign banks in india." Journal of Management and Science 1, no. 1 (June 30, 2015): 30–43. http://dx.doi.org/10.26524/jms.2015.4.

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Non Performing Assets (NPA‟s) are one of the major areas of concern for the Indian banking industry. Non-Performing Assets are like a double edged sword. They do not generate any income, whereas, the bank is required to make provisions such as assets. (Olekar and Talawar, 2012).NPAs do not just reflect badly in a bank‟s account books, they adversely impact the national economy. There are many research conducted on the topic of Non- Performing Assets (NPA)Management, concerning particular bank, comparative study of public and private banks etc. This paper considers the aggregate data of public sector, private sector and foreign banks and attempts to compare analyze and interpret the NPA management from the year 2009 -2013. On the conceptual side, it gives an overview of NPA, Types of NPA, causes and on the calculation side, it covers various NPA related ratios, use of Least square method for estimating Gross NPAs in the year 2014, and also application of ANOVA test to judge the presence of any significant difference between ratio of Gross NPA to Gross Advances. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, ratio of Loss Advances to Gross Advances are higher in foreign banks, the Estimated Gross NPA for 2014 is also more in public banks as compared to private and foreign banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector, private Sector and foreign Banks does not have significant difference between 2009 to 2013.
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Halder, Binay Krishna. "Managerial Effectiveness and Demographic Variables: A Study on Public and Private Sector Banks of West Bengal." British Journal of Multidisciplinary and Advanced Studies 4, no. 6 (December 1, 2023): 52–70. http://dx.doi.org/10.37745/bjmas.2022.0359.

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In order to find out the managerial effectiveness of the managers in both public and private sector banks of West Bengal, demographic variables (age, gender, education, experience, income and marital status) and managerial effectiveness of managers are used in this study. The purpose of the present study is to find out the role of demographic variables in managerial effectiveness of managers in both public and private sector banks of West Bengal. The sample consists of 566 managers from three public (State Bank of India, Allahabad Bank, and United Bank of India) and three private (ICICI, HDFC, and AXIS) sector banks of West Bengal, out of which 487 are public bank managers and 79 are private bank managers working at various positions of management. The stratified random sampling is used for collection of data. The standard structure questionnaire named “Managerial Effectiveness Scale” was developed by Prof. S. Gupta (1996) was administered. Mean, SD, t-test and ANOVA were used to test the seven hypotheses formulated in the study. The study concludes that the mean scores of the managerial effectiveness of public and private sector bank managers are statistically significant. It also exhibits that the private bank managers are more effective than the public bank managers. The result reveals that the managerial effectiveness of both public and private sector banks managers are different with respect to some demographic characteristics like gender and experience, and age (partially). But managerial effectiveness is independent of other demographic characteristics like education, income and marital status.
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Mulchandani, Ketan, Kalyani Mulchandani, and Rekha Attri. "An assessment of advertising effectiveness of Indian banks using Koyck model." Journal of Advances in Management Research 16, no. 4 (October 23, 2019): 498–512. http://dx.doi.org/10.1108/jamr-08-2018-0075.

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Purpose The problem of differentiation and creating a unique selling proposition is higher in the banking sector, as, any new service or product introduced is very quickly imitated by the competitors. The benefits of advertising have been seen to have long-term effects on the firm’s performance and debate is still on whether the expenses of advertising should be amortized or expensed immediately has been the area of concern for many years. The purpose of this paper is to carry out a comparative analysis of advertising effectiveness on private and public sector banks in India. Design/methodology/approach This study has included 33 listed commercial banks out of 41 listed on S&P BSE 500. Out of 33 banks, 14 banks belong to private sector and 19 banks are public sector banks. Data are extracted for a period of 14 years from 2004 to 2017 from Ace Equity. In total, there are 462 firm-year observations. Interest income, operating income and return on assets are the accounting measures considered in this paper. All the variables are deflated by total assets at the beginning of the period. To assess the effect of advertising on financial measures, distributed lag model is used. Findings The results of Koyck model suggest that it takes lesser time for private sector banks to see a significant change in interest income and return on assets with a change in advertising expenses whereas in case of operating income, the results achieved are opposite. Originality/value This study may be useful from accounting point of view to find out whether advertising creates long-term or short-term impact on financial measures. The study would help in determining the number of years for which advertising expenses can be amortized. With the help of these results, it can be said that advertisement expenses can be capitalized and then expensed over coming years. This means, to some extent advertisement has some long-run impact on financial measures considered in the study. In order to achieve more robust results, this study can be performed on different sectors.
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Viritha, B., Velu Mariappan, and Varun Venkatachalapathy. "Combating money laundering by the banks in India: compliance and challenges." Journal of Investment Compliance 16, no. 4 (November 2, 2015): 78–95. http://dx.doi.org/10.1108/joic-07-2015-0044.

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Purpose – The study was conducted to assess the level of compliance with regulatory guidelines on anti-money laundering (AML) in the scheduled commercial banks in India, and to understand the bottlenecks in AML implementation. Design/methodology/approach – The respondents were employees working in the banks located in the States of Puducherry and Tamilnadu. Snowball sampling method was adopted in selecting the sample. The sample consisted of 392 employees from the public sector, private sector, and foreign banks in India. The data was collected by administering the structured questionnaire during the period June, 2014 to January, 2015. Descriptive and non-parametric tests were applied, and the significance was considered at þ ≤ 0.5. Findings – Results indicated that the banks were largely complying (3.67 ± 1.39) with the AML measures under study. The compliance with guidelines on KYC updation was found to be higher (79.9 per cent), followed by reporting requirements (72.7 per cent), and customer identification procedures (57.4 per cent). The practice of customising or amending the AML policy of the bank according to the bank ' s business risks and evolving regulatory obligations was found unsatisfactory (67.1 per cent). The respondents in majority agreed to the identified issues such as deficit of resources, lack of customer support, training, feedback and information exchange as constraints in the practice of AML. Originality/value – There is a dearth of studies examining the AML/CFT implementation in the financial institutions of India. Accordingly, the present study attempts to assess the practices of AML/CFT in commercial banks and understand their challenges faced in implementing it.
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Singh, S. P. "How should Factoring Service be Launched?" Vikalpa: The Journal for Decision Makers 13, no. 3 (July 1988): 23–28. http://dx.doi.org/10.1177/0256090919880304.

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Factoring is basically the purchase of book debts of client companies. Apart from financing investments in book debts, the factoring company offers individualized service packages covering credit screening, ledger keeping and collection, and provision for doubtful debts and write offs. In the context of the government policy of strengthening money and capital markets, a study group of the Reserve Bank of India is considering how to launch factoring service in India. S P Singh considers two approaches to launching factoring service. One is the conventional approach of letting banks, which are providing cash credit for book debts, promote factoring as an extension of their activities. The other the market approach of enabling independent companies compete on improving upon the current average collection period and percentage of write offs. Singh recommends the market approach to launching factoring service. Efficient factoring, requires a culture of price banking, aggressive selling and low unit cost operations�a culture unfamiliar to public sector banks and financial institutions.
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Rupani, Riya, and Shaukat Ali. "An analytical study on the performance of the banking ombudsman scheme in India." Journal of Management Research and Analysis 9, no. 3 (August 15, 2022): 130–36. http://dx.doi.org/10.18231/j.jmra.2022.025.

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Customer satisfaction is an integral element in inculcating trust among the common people in the banking sector, which may also boost financial inclusion. Customer satisfaction can be measured in terms of complaints received about the bank services. The Banking Ombudsman Scheme was introduced in India in 1995 and revised in 2002 to enable the resolution of complaints of customers of banks relating to certain services rendered by the banks. To analyse the performance of the Banking Ombudsman Scheme in India based on selected parameters, a descriptive research design has been used. The present study is based on secondary data compiled mainly from “The Banking Ombudsman Scheme-Annual report” which is published by RBI every year from 2015-16 to 2019-20. For analysis purposes, descriptive statistics tools such as percentages have been used.The Ombudsman scheme is a blessing and a very prominent medium for redressal of grievances by the general public against banks and banking services. The resolution and the pace of resolution of the complaints is an essential aspect of consumer satisfaction. Also, the total number of banking transactions is growing because of inclusion, new modes of payments & settlements coming, and newer products, offerings & services. considering this, RBI should increase the number of Ombudsmen proportionately. BO‟s offices have started outreach activities for creating awareness among customers But still, it needs to be more rigorous, especially in rural areas.
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Tarapore, S. S. "Impact of Monetary Policy on Banks' Growth Path." Vikalpa: The Journal for Decision Makers 32, no. 2 (April 2007): 1–6. http://dx.doi.org/10.1177/0256090920070201.

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With the liberalization of balance of payments, the monetary policy scenario in India underwent a sea change. While the merits and demerits of capital account liberalization have been debated, it is still not clear as to what extent the Indian economy has integrated with the global economy. There are basically two choices: either integrating with the international economy at a measured and orderly pace, or letting the world integrate with us in a disorderly manner on terms dictated by the international economy. The objective of macroeconomic management is to tailor the policies so as to maximize the gains of global integration while minimizing the adverse features of globalization. This article captures the dilemmas and challenges of formulating a favourable monetary policy and studies and projects the implications of the changing dimensions of monetary policy on the different parameters determining the banks� growth path. In the absence of RBI�s intervention, persistent capital inflows into the country could result in an unrestrained monetary expansion and a real effective exchange rate (REER) appreciation which in turn is likely to end up in a crisis. RBI has used a combination of the market stabilization scheme (MSS), the reverse repo, and the cash reserve ratio (CRR) to tackle the problem of excess liquidity. As CRR is considered a blunt instrument, RBI is suggested to use incremental cash reserve ratio to immobilize the excess liquidity from where it is lodged. In an extreme situation of excessive capital inflows, the author suggests the use of unremunerated reserve requirements on fresh inflows by foreign institutional investors. For the banks, large capital outflows could lead to a more difficult situation as pumping in of created money to restore liquidity could trigger further capital outflows. Remedial measures such as raising of interest rates, tightening of liquidity, and depreciation of exchange rate will have to be implemented in a non-disruptive manner so as to ensure that the economy does not go into a state of panic. For formulating a viable monetary policy, what is most important is to set objectives in such a way that there is a clear agreement between the government and the RBI. The present structure of the banking system is not conducive to the development of a strong and vibrant financial structure. There have been repeated recommendations to reduce government holding in public sector banks because of the government�s inability or reluctance to provide more capital to these banks. In the overall rapidly changing globalized scenario, the banks cannot remain isolated; they too need to keep pace and should therefore join the bandwagon.
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Das, Gopal. "The Effect of Pleasure and Arousal on Satisfaction and Word-of-Mouth: An Empirical Study of the Indian Banking Sector." Vikalpa: The Journal for Decision Makers 38, no. 2 (April 2013): 95–104. http://dx.doi.org/10.1177/0256090920130206.

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During the last decade, the Indian banking sector has shown a remarkable advancement in terms of innovation, growth, and value creation. Behind this development of the Indian banking sector, several factors like customer satisfaction and word-of-mouth (WOM) are responsible. Literature has reported that pleasure and arousal play an important role in customer satisfaction. Investigations have been carried out on the influence of pleasure and arousal on behavioural intentions including satisfaction and WOM. However, there has been no such study for the banking sector. This gap in research has motivated this study. This paper suggests a conceptual model in which pleasure and arousal directly influence satisfaction and WOM. It also tests the impact of satisfaction on WOM. Based on prior literature, several hypotheses stating the linkages among pleasure, arousal, satisfaction, and word-of-mouth were developed. Russell�s framework for pleasure and arousal (emotion) formed the basis of the model. For the purpose of the study, face-to-face interviews with a structured questionnaire were conducted to collect data. Participants included customers above 18 years from both public and private sector banks in three cities namely, Kolkata, Durgapur, and Haldia of West Bengal, India. Data collection was done with the use of area sampling procedure. Out of 500 questionnaires administered, about 310 questionnaires were useable for analysis. The data analysis was done with SPSS 19 and AMOS 18. Structural equation modeling (SEM) using AMOS 18 was applied to explore the links between the constructs in the conceptual model. The overall fit of the conceptual model was assessed using several indices furnished in the AMOS output. The fit index results suggested model fitness with the data. The results of the study indicate that: Pleasure has significant positive and negative impacts on satisfaction and WOM respectively. Arousal has significant negative and positive impact on satisfaction and WOM. Satisfaction has positive significant impact on WOM.
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AlAli, Musaed, Yaser AlKulaib, Ahmad Bash, Hamed AlDhuaina, Ibraheem AlAskar, and Nabi AlDuwaila. "DIVIDEND POLICY EFFECT ON SHARE PRICES: A COMPARISON STUDY BETWEEN ISLAMIC AND CONVENTIONAL BANKS IN KUWAIT." International Journal of Professional Business Review 9, no. 5 (May 15, 2024): e04608. http://dx.doi.org/10.26668/businessreview/2024.v9i5.4608.

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Ahmad, A., & Hassan, M. (2007). Regulation and performance of Islamic banking in Bangladesh. Thunderbird International Business Review, 492, 251-277. Ahmed, F., Rafay, A., & Ahmed, A. (2018). Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics), 10(1), 135–152. doi: http//dx.doi.org/10.15408/aiq.v10i1.6103 Alasfour, F., Jaara, B., & Abusaleem, K. (2024). Dividend Payout Policy of the Islamic and Conventional Banks in the Gulf Cooperation Council (GCC) Countries. Migration Letters, 21(4), 908-925. Al-Amin, A. (2009). Dividend distribution and its impact on public share prices of shares, the case of the Sudane French Bank. Unpublished Master Thesis, University of Sudan and Technology, Sudan. Al-Ammar. Baker, H., & Weigand, R. (2015). Corporate dividend policy revisited. Managerial Finance, 41(2), 126-144. Bhattacharya, S. (1979). Imperfect Information, Dividend Policy, and 'The Bird In The Hand. Fallacy”. Bell Journal of Economics, 10(1), 259-270 Black, F. (1976). The dividend puzzle. Journal of portfolio management, 2(2), 5-8. Brealey, R. A. & Myers, S. C. (2003). Principles of corporate finance (7th ed.). New York: McGraw Hill. Chang, R., & Rhee, S. (1990). The impact of personal taxes on corporate dividend policy and capital structure decisions. Financial Management, 19(2), 21-31. Dhaliwal, D. S., Erickson, M., & Trezevant, R. (1999). A test of the theory of tax Clienteles for dividend policies. National Tax Journal, 52, 179-194. Donald, K. (2011). International accounting IFRS. John Wiley & Son. 783-784. Doumpos, M., Hasan, I., & Pasiouras, F. (2017). Bank overall financial strength: Islamic versus conventional banks. Economic Modelling, 64, 513-523. Elmagrhi, M., Ntim, C., Crossley, R., Malagila, J., Fosu, S., & Vu, T. (2017). Corporate governance and dividend pay-out policy in UK listed SMEs: The effects of corporate board characteristics. International Journal of Accounting & Information Management, 25(4), 459-483. Eng, S.H., Yahya, M. H., & Hadi, A. R. (2013). The dividend payout policy–a comparison on Malaysian Islamic and conventional financial institutions. Journal of WEI Business and Economics, 2(2), 12-20. Fink, C., & Theissen, E. (2014). Dividend taxation and DAX futures prices (No. 14-08). CFR Working Paper. Hafeez, A. & Attiya, Y. (2009). The Determinants Of Dividend Policy In Pakistan. International Research Journal of Finance Economics, 25, 148-171. Hafsi, R. (2016). Study and analysis of the effect of the dividend policy on the performance of shares of listed companies in the financial market, the case of the Dubai Financial Market for the period 2011-2014, University of Qasdah Murbah and Oqlala. Algerian Journal of Accounting and Financial Studies, 15(2), 39-49. Huda, F., & T. Farah. (2011). Determinants of Dividend Decision: A Focus on Banking Sector in Bangladesh. International Research Journal of Finance and Economics, 77, 33-46. Jaara, O., Jaara, O., Shamieh, J., & Fendi, U. (2017). Liquidity risk exposure in Islamic and Conventional banks. International Journal of Economics and Financial Issues, 7(6), 16-26. Mashkour, S., & Sadiq, Z. (2018). The relationship between the dividend policy and the market value of the stock and its impact on determining the value of the company. Applied research in a sample of banks registered in the Iraqi market for securities. Journal of the Kufa Studies Center, 50, 221-248. Miletkov, M., Moskalev, S., & Wintoki, M. B. (2015). Corporate boards and acquirer returns: international evidence. Managerial Finance, 41(3), 244-266. Nissim, D. & Ziv, A. (2001). Dividend changes and future profitability. The Journal of Finance, 56(6), 2111-2133. Pal, K., & Goyal, P. (2007). Leading Determinants of Dividend Policy: A Case Study of the Indian Banking Industry. Decision (0304-0941), 34(2), 87-98. Petit, R. (1977). Taxes, transactions costs and the Clientele effect of dividends. Journal of Financial Economics, 5, 419-436. Pruitt, S., & Gitman, L. (1991). The interactions between the investment, financing, and dividend decisions of major US firms. Financial Review, 26(33), 409-430. Rafique, M. (2012). Factors affecting dividend payout: Evidence from listed non-financial firms of Karachi stock exchange. Business Management Dynamics, 1(11), 76-92.
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Dissertations / Theses on the topic "India`s public sector banks"

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Pradhan, Nandita. "Effects of economic refroms on X- efficiency of India`s public sector banks : an econometric frontier approach." Thesis, University of North Bengal, 2017. http://ir.nbu.ac.in/handle/123456789/2661.

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Garach, Jatin Bijay. "The Firm-Specific Determinants of Capital Structure in Public Sector and Private Sector Banks in India." Master's thesis, Faculty of Commerce, 2019. https://hdl.handle.net/11427/31673.

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The banking industry in India has undergone many phases in its history; evolving from a regulated, decentralised system in the early 1800’s, to a regulated, centralised system during British rule, to a nationalised system following India’s independence, and finally a combination of a nationalised and private system adopting global standards as it currently stands. This study has two main aims. Firstly, it will assess the relationship between the firm-specific determinants of capital structure, based on the prevailing literature, and the capital structure of public and private sector banks in India. Secondly, it will determine whether there is a difference in the firm-specific factors that contribute to the determination of the capital structure of public sector banks and private sector banks. This study adopts quantitative methods, similar to previous studies on the relationship between capital structure and its firm-specific determinants. The dependent variable, being total leverage, is regressed against multiple independent variables, being profitability, growth, firm size and credit risk (hereinafter referred to as “risk” unless otherwise indicated) in a multivariate linear regression model. This study adds to the current literature by applying the same firm-specific independent variables to the case of private and public sector banks and then to evaluate and compare the similarities and differences between the regression outputs. The results show that for private sector banks, all independent variables are statistically significant in explaining total leverage, where all the independent variables conform to the current literature on capital structure – profitability (-), firm size (-), growth (+) and credit risk (-). Conversely, for public sector banks, all independent variables were considered to be statistically significant, except for credit risk – profitability (-), firm size (+) and growth (+). These results imply that credit risk is not an important determination in a nationalised banks’ capital structure; thus, providing evidence for the moral hazard theory of public sector banks.
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Pope, Harley A. N. "Participatory crop improvement : the challenges of, and opportunities for, institutionalisation in the Indian public research sector." Thesis, University of Sussex, 2014. http://sro.sussex.ac.uk/id/eprint/48631/.

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This thesis considers Participatory Crop Improvement (PCI) methodologies and examines the reasons behind their continued contestation and limited mainstreaming in conventional modes of crop improvement research within National Agricultural Research Systems (NARS). In particular, it traces the experiences of a long-established research network with over 20 years of experience in developing and implementing PCI methods across South Asia, and specifically considers its engagement with the Indian NARS and associated state-level agricultural research systems. In order to address the issues surrounding PCI institutionalisation processes, a novel conceptual framework was derived from a synthesis of the literatures on Strategic Niche Management (SNM) and Learning-based Development Approaches (LBDA) to analyse the socio-technical processes and structures which constitute the PCI ‘niche' and NARS ‘regime'. In examining the niche and regime according to their socio-technical characteristics, the framework provides explanatory power for understanding the nature of their interactions and the opportunities and barriers that exist with respect to the translation of lessons and ideas between niche and regime organisations. The research shows that in trying to institutionalise PCI methods and principles within NARS in the Indian context, PCI proponents have encountered a number of constraints related to the rigid and hierarchical structure of the regime organisations; the contractual mode of most conventional research, which inhibits collaboration with a wider group of stakeholders; and the time-limited nature of PCI projects themselves, which limits investment and hinders scaling up of the innovations. It also reveals that while the niche projects may be able to induce a ‘weak' form of PCI institutionalisation within the Indian NARS by helping to alter their institutional culture to be more supportive of participatory plant breeding approaches and future collaboration with PCI researchers, a ‘strong' form of PCI institutionalisation, in which NARS organisations adopt participatory methodologies to address all their crop improvement agenda, is likely to remain outside of the capacity of PCI development projects to deliver.
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Gomes, Tarízi Cioccari. "Justiça organizacional e estresse no trabalho: um estudo com colaboradores do setor bancário de Santa Maria." Universidade Federal de Santa Maria, 2013. http://repositorio.ufsm.br/handle/1/4664.

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The aim of this study was to analyze the relationship between the perception of organizational justice and job stress on employees of public and private banking sector in Santa Maria. Therefore, the theoretical background focused on organizational justice and stress, with emphasis on work. A survey was conducted on 339 bank employees - 224 from public sector and 115 from private. A questionnaire was structure with sociodemographic questions and the instruments used were the Perception of Organizational Justice Scale (MENDONÇA et al., 2003), the Job Stress Scale (KARASEK, 1985; THEORELL, 1988; ALVES et al., 2004) and the reduced version of Effort-Reward Imbalance Scale (SIEGRIST et al., 1996, 2009; CHOR et al., 2008). Data were described using descriptive statistics, Cronbach alpha indicator, normality tests, Mann-Whitney test, Kruskal-Wallis test, chi-square test, and Correspondence Analysis. Regarding the population, the profile of the respondents is the majority is married, receives monthly compensation above 10 minimum wages, is graduate, has never received a stress diagnosis, or medications used for this purpose. Concerning organizational justice, it was found that employees of private banks perceive higher justice than employees of public banks and justice scored higher in the interactional dimension in both sectors. Analysis of the Demand-Control Model of Job Stress Scale in the data of respondents from public sector revealed that 24.55% of respondents are in the "low distress" (ideal condition) and 37.40% fit in this situation in private banks. Social support was considered low for 66.52% of the respondents from public banks, indicating the effects of stress at work, and it was assessed as high for 60% of employees in private banks, what can mitigate the damage of stress. Regarding the Model Scale Effort-Reward Imbalance, 77.23% of respondents from public banks and 57.39% from private sector showed imbalance between high effort spent at work and the reward received. However, in the public sector, the consequences of stress might be reduced, because the excess of commitment was considered low for 54.91% of the respondents, whilst in the private sector, the variable was perceived as high for 51.30 % what can maximize the damage caused by stress. Regarding the scales of Demand-Control and Effort-Reward Imbalance, individuals from the public banks were more exposed to work stress and consequently showed higher risk of mental illness. According to the results, in public sector, perceptions of distributive, procedural and interactional justice showed significant relationships with the dimensions control and social support. Moreover, in private banks, the perceptions of distributive, procedural and interactional justice were associated with the dimensions of psychological demands and social support. Furthermore, in both sectors, all three dimensions of justice were related to the size reward. High perceptions of justice (distributive, procedural and interactional), "low distress" and "low DER" showed significant associations among them. Relationships among low perceptions of organizational justice (distributive, procedural and interactional) and "high distress" and "high DER" were also identified. Solely in public sector, low perceptions of distributive, procedural and interactional justice showed relationship with "passive job". Furthermore, the results of this research reveal that the perceived justice of employees contributes to the way of dealing with work situations and the factors that lead to stress, such as psychological demands and control, effort spent and the reward received.
O objetivo dessa pesquisa foi analisar a relação entre a percepção de justiça organizacional e o estresse no trabalho em colaboradores do setor bancário público e privado de Santa Maria. Desse modo, o referencial teórico abordou os temas justiça organizacional e o estresse, com enfoque no estresse no trabalho. Realizou-se uma pesquisa descritiva, com estratégia do tipo survey. A população pesquisada foi 339 colaboradores bancários, sendo 224 do setor público e 115 do privado. Aplicou-se um questionário estruturado, contendo dados sociodemográficos. Os instrumentos utilizados foram a Escala de Percepção de Justiça Organizacional (MENDONÇA et al., 2003), a Escala de Estresse no Trabalho ou Job Stress Scale (KARASEK, 1985; THEÖRELL, 1988; ALVES et al., 2004) e a versão reduzida da Escala Desequilíbrio Esforço-Recompensa (SIEGRIST et al., 1996, 2009; CHOR et al., 2008). Os dados foram descritos por meio de estatística descritiva, indicador alfa de Cronbach, testes de normalidade, teste Mann-Whitney, teste Kruskal-Wallis, teste Qui-Quadrado e Análise de Correspondência. Pode-se verificar, em relação ao perfil dos colaboradores, que a maioria é casado, recebe remuneração mensal acima de 10 salários mínimos, possui ensino superior, não obteve diagnóstico de estresse, nem utilizou medicamentos para esse fim. Quanto à justiça organizacional, verificou-se que os colaboradores de bancos privados percebem maior justiça do que os de bancos públicos e que em ambos os setores foi identificada maior justiça na dimensão interacional. A análise do modelo Demanda-Controle da Escala de Estresse no Trabalho em bancos públicos constatou que 24,55% dos pesquisados encontram-se no baixo desgaste (estado ideal) e 37,40% enquadraram-se nessa situação em bancos privados. O apoio social foi considerado baixo para 66,52% dos pesquisados de bancos públicos, o que pode estar destacando os efeitos do estresse no trabalho, e avaliado como alto para 60% dos colaboradores de bancos privados, podendo amenizar os danos do estresse. Em relação ao modelo da Escala Desequilíbrio Esforço-Recompensa, 77,23% dos respondentes de bancos públicos e 57,39% de privados apresentaram alto desequilíbrio entre o esforço gasto no trabalho e a recompensa recebida. Contudo, no setor bancário público, as decorrências do estresse podem estar sendo reduzidas, pois o excesso de comprometimento foi considerado baixo para 54,91% dos respondentes, enquanto que, no setor bancário privado, essa variável foi percebida como alta para 51,30%, podendo maximizar os danos causados pelo estresse. Dessa forma, os indivíduos pertencentes aos bancos públicos apresentaram maior exposição ao estresse no trabalho e consequentemente maior risco de adoecimento psíquico, quando considerados os modelos Demanda-Controle e Desequilíbrio Esforço-Recompensa. De acordo com os resultados, em bancos públicos, as percepções de justiça distributiva, processual e interacional apresentaram relações significativas com as dimensões controle e apoio social. Por outro lado, em bancos privados, as percepções de justiça distributiva, processual e interacional se associaram com as dimensões demanda psicológica e apoio social. Além disso, nos dois setores pesquisados, as três dimensões de justiça se relacionaram com a dimensão recompensa. Pode-se perceber ainda que as altas percepções de justiça (distributiva, processual e interacional), o baixo desgaste e o baixo DER apresentaram significativas associações entre si. Foram identificadas também relações entre as baixas percepções de justiça organizacional (distributiva, processual e interacional) e o alto desgaste e o alto DER . Em bancos públicos as baixas percepções de justiça distributiva, processual e interacional apresentaram relações com o trabalho passivo dos colaboradores. Com isso, os resultados dessa pesquisa evidenciam que a percepção de justiça dos colaboradores contribui para a maneira de lidar com as situações de trabalho e, assim, com os fatores que levam ao estresse, como a demanda psicológica e o controle, o esforço gasto e a recompensa recebida pelo trabalho desempenhado.
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Robert, M. "Profitability in Public Sector Banks in India." Thesis, 1990. http://hdl.handle.net/2009/6040.

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MALLICK, PRAGYA. "ADOPTION OF CLOUD COMPUTING BY PUBLIC SECTOR BANKS IN INDIA." Thesis, 2019. http://dspace.dtu.ac.in:8080/jspui/handle/repository/17309.

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It is known that cloud computing acceptability in most sectors brings more benefits, due to cost savings, scalability, elasticity of cloud deployments and speed and ease of use. However, the regulated sectors, such as banking and healthcare, need to address the risks associated with cloud computing deployments, in particular those related to regulation and reputation. This research has the general perception of IT staff involved in the decision to identify cloud computing related to environmental factors, such as regulatory burdens, competition conditions, reputational risk, and the seller's support, uncovered. While datarelated incidents in private cloud deployments are relatively rare, care should be taken by these industries so that they do not affect customer data, which can cause significant reputational changes, and penalties imposed by the regulators.
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SOMRA, NIKITA. "TO STUDY THE HRM PRACTICES IN PUBLIC AND PRIVATE SECTOR BANKS OF INDIA." Thesis, 2023. http://dspace.dtu.ac.in:8080/jspui/handle/repository/20280.

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Competition from local and international private sector banks is fierce for public sector banks, as a result of globalization. They have realized the importance of novel HRM techniques, which were previously mostly adopted by private sector banks, to increase their efficiency and performance. The current study is based on primary information obtained from two Indian banks, both of which are in the public and private sectors (HDFC and SBI Bank). I'll look at whether there is a statistically significant distinction in the adoption of cutting-edge HRM practises between banks in the public and private sectors, training and development, performance appraisal, compensation, and employee retention are the categories under which these practices fall. Human Resource Management (HRM) is a modern name for what was originally called as individual administration or management. The customer service that a bank provides to its customers is crucial since banks offer services through their workers, so how bank employees interact with their customers is important. Banks today directly compete, and they face challenges and issues such as technological innovation, resource scarcity, power, and energy, among others. Furthermore, employees are safeguarded by welfare, safety, training, and performance appraisal procedures designed to improve their efficiency and output.. As a reason, this study attempts to determine how much human resource management contributes to employee happiness at SBI and HDFC. A convenient sampling method was used to choose a sample of 60 employees. According to the survey, human resource management at SBI and HDFC contributes to employee happiness. The collected data were analysed using the following statistical tools: tables, percentages, ranking. Finally, the researchers made typically conceptualized to improve SBI's Human Resource Management processes, which will help the company achieve success.
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Arora, Rashmi, and Kifle Asfaw Wondemu. "Do public sector banks promote regional growth? Evidence from an emerging economy." 2018. http://hdl.handle.net/10454/15140.

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Yes
A large literature exists on the relationship between financial development and economic growth. The role of government and public banks in building this relationship has however, remained contentious. In this study in a sub-national level of analysis in the context of large emerging economy, India we raise the question what is the relative impact of public banks in economic growth in the lagging regions vis-à-vis leading regions? Do they matter more than the private and foreign banks? To address these problems, we apply dynamic GMM panel estimator on an unbalanced panel dataset drawn from 25 Indian states covering period 1996/97 to 2008/09. Although our study is in the Indian context, it is relevant for developing countries for mainly two reasons: government ownership of banks has been widely prevalent in developing countries and in many large countries in a federation set-up inter-state differences may exist with multiple ownership of the financial sector.
The full-text of this article will be released for public view at the end of the publisher embargo on 26 Mar 2020.
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CHAUDHARY, RICHA. "INFLUENCE OF DIGITAL FINANCIAL SERVICES ON FINANCIAL PERFORMANCE OF PRIVATE SECTOR AND PUBLIC SECTOR COMMERCIAL BANKS IN INDIA." Thesis, 2023. http://dspace.dtu.ac.in:8080/jspui/handle/repository/20271.

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In this study, influence of digital financial services on financial performance of private sector and public sector commercial banks in India has been studied. Payments, credit, savings, remittances, and insurance are some of the financial services that can be accessed and delivered through digital platforms. The term "digital channels" refers to the internet, mobile devices, ATM, POS systems, digital payments, and so on. Banks' financial performance was measured using ROA and Return on Equity. The secondary data was employed in the study. The data of independent variables (ATM, POS, Mobile Banking, NEFT and RTGS) were collected from the Central Bank of India i.e. Reserve Bank of India from the year 2018 to 2022. The data for dependent variables (ROA and ROE), were collected from Money Control. A sample of 22 commercial banks was taken from the indices Nifty PSU Bank and Nifty Private Bank of NSE. Out of these 22 banks, an analysis of 17 banks was performed .Two private sector commercial bank (Bandhan Bank Ltd and City Union Bank) out of 10 from Nifty Private Bank indices and three public sector commercial banks (Indian Overseas Bank, Punjab and Sind Bank and UCO bank) out of 12 from Nifty PSU Bank indices were removed because there was no consolidated data of ROA and ROE ratios. There was two year consolidated ratios of UCO but the study aimed to collect five year data thus, the bank was removed. The analysis of data was done using SPSS. The study aims to analyze the relationships between the independent variables and the dependent variables. The study shows that there is significant influence of RTGS transactions volume on ROA and ROE of private sector commercial banks in India. Similarly, there is impact of Mobile Banking transactions volume on ROA of public sector commercial banks in India. Whereas there is no significant influence of Mobile Banking, NEFT and RTGS transactions volume, and numbers of POS and ATMs deployed on ROE of public sector commercial banks in India.
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Books on the topic "India`s public sector banks"

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Indian Institute of Management, Ahmedabad., ed. Productivity and efficieny at public and private sector banks in India. Ahmedabad: Indian Institute of Management, 2003.

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Sanjivi, Guhan, Harriss-White Barbara 1946-, and Subramanian S. 1953-, eds. Illfare in India: Essays on India's social sector in honour of S. Guhan. New Delhi: Sage Publications, 1999.

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Rao, K. Srinivasa. Transformation of Public Sector Banks in India: The Challenges in the Journey. Notion Press, 2019.

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Achanta, Ravi Prakash. Public Sector Banks and Retention of Employees: A case with reference to India. LAP Lambert Academic Publishing, 2012.

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Popadyuk, Tatyana, Saidkhror Gulyamov, and Sharafutdin Khashimkhodzhaev, eds. IX INTERNATIONAL SCIENTIFIC-PRACTICAL CONFERENCE “MANAGERIAL SCIENCES IN THE MODERN WORLD”. EurAsian Scientific Editions, 2022. http://dx.doi.org/10.56948/zajh8343.

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On 9 November 2021, 9th International Scientific-Practical Conference “Managerial Sciences in the Modern World” was opened. This year, the event took place in the online format because of the strained epidemiological situation. A total of about 450 specialists took part in the conference. “Managerial Sciences” has already become a kind of brand, with more than half a dozen different round table discussions, sections”, said Arkady Trachuk, Dean of the Faculty “Higher School of Management” at the Financial University under the Government of the Russian Federation, who moderated the plenary session. He said that the 2021 conference participants included representatives from Latvia, Republic of Fiji, Kuwait, India, Uzbekistan, and Russia. Russia was represented by seven regions: Moscow and Moscow Region, Bryansk-, Tver-, Saratov-, Arkhangelsk regions, Republic of Tatarstan and Krasnodar Territory. Delegates from 25 universities, including 6 foreign higher educational establishments, took part in the sections’ work. The central event of the first day of the conference was a plenary session during which presentations were delivered by representatives of Germany, Slovenia, Uzbekistan and Russia. The plenary session was opened by Arkady Trachuk. His presentation focused on the goals of introducing digital technologies in the Russian industry. The speaker presented the results of the research implemented by a team of scholars from the Department of Management and Innovation at the Faculty “Higher School of Management”. Alexander Brem, Head of Technological Entrepreneurship and Digitalisation at Stifterverband Consulting Company funded by Daimler Foundation (Germany), talked about artificial intelligence as an innovation management technology. The expert is convinced that artificial intelligence will become the core technology to drive the technological development in the 21st century. Jörg Geisler, head of Finance and Risk Management at S-Kreditpartner GmbH, expert on consumer lending at savings banks (Germany), dwelled on an important subject – “Risk management at times of digital innovation” by the example of the banking industry. Samo Bobek, Dean of the Faculty of Economics and Business (FEB) at the University of Maribor, Professor of e-business and information management (Slovenia), delivered a presentation on “Digital transformation impact on business models”. His presentation dealt with digital transformation of business models. Azizjon Bobojonov, Head of International Project Office, Associate Professor of the Department “Digital Economy and Information Technologies” at Tashkent State University of Economics (Republic of Uzbekistan), talked in his presentation “Reinventing the services in the digital age” about new discoveries in the service industry in the epoch of digital transformation. The plenary session was followed by thematic sessions in the following areas: • Change management and leadership • Business strategies and sustainable development • International management and business • Theoretical issues of management • Theory and practice of project management • Corporate governance and corporate social responsibility • Operations and business process management • Strategic financial management • Public sector management and efficiency problems • Major cities and urban agglomerations management • Real sector investment management • Crisis and business continuity management • Systems analysis in management • Knowledge and talent management • Sports digitalisation management • Digital marketing and marketing communications • Shaping innovation strategy in the conditions of the fourth industrial revolution.
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Ray, Partha, Arindam Bandyopadhyay, and Sanjay Basu, eds. India Banking and Finance Report 2021. SAGE Publications India Pvt Ltd, 2022. http://dx.doi.org/10.4135/9789354793103.

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India Banking and Finance Report 2021 presents a lucid yet rigorous discussion on the key facets of the Banking and Financial sector in India. Written primarily by the faculty of National Institute of Bank Management (NIBM), Pune, the report covers a wide spectrum of issues ranging from contemporary macro-financial perspectives against the backdrop of the ongoing pandemic to leadership concerns in Indian banks. The list of subjects included is topical, comprising corporate governance challenges, mergers and acquisitions, problems and prospects of the Bad Bank, latest risk management concepts and frontiers, sectoral studies, digital transformation and leadership paradigms. The report seeks to highlight the emerging challenges and opportunities in the banking and financial sector, glean important lessons from the past, and in some cases speculate on the way forward. It emphasizes on a blend of internal strategies, regulatory reforms and public policy initiatives. The report will stimulate enlightened dialogues on the theoretical, empirical and practical aspects of bank management in India.
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Singh, Harbir, Ananth Padmanabhan, and Ezekiel J. Emanuel, eds. India as a Pioneer of Innovation. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780199476084.001.0001.

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What does innovation mean to and in India? What are the predominant areas of innovation for India, and under what situations do they succeed or fail? This book addresses these all-important questions arising within diverse Indian contexts: informal economy, low-cost settings, large business groups, entertainment and copyright-based industries, an evolving pharma sector, a poorly organized and appallingly underfunded public health system, social enterprises for the urban poor, and innovations for the millions. It explores the issues that promote and those that hinder the country’s rise as an innovation leader. The book’s balanced perspective on India’s promises and failings makes it a valuable addition for those who believe that India’s future banks heavily on its ability to leapfrog using innovation, as well as those sceptical of the Indian state’s belief in the potential of private enterprise and innovation. It also provides critical insights on innovation in general, the most important of which being the highly context-specific, context-driven character of the innovation project.
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Kanore, Lalit, and Priti Mastakar. Indian Business Case Studies Volume III. Oxford University PressOxford, 2022. http://dx.doi.org/10.1093/oso/9780192869395.001.0001.

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Abstract Volume III of Indian Business Cases studies has around 20 compelling cases studies, some of which focuses on topics that are rarely touched upon. These include international taxation issues, effects on emerging markets due to the impending US- China trade, and affluent owners disowning the failure of their companies and putting the burden on the banking system of the country. The volume also has some interesting cases on organizational debts and the two different outcomes of similar type of organization like Starbucks and CCD, and the most talked about OTT platform, the pharma giants and many more. When it comes to India automobile can’t be far behind, this volume too has case studies focusing on the automobile industry which talks about reengineering and rebranding. The undisputed run of public sector banks and the changing scenario too contributes towards making this a fantastic reference book for industry practitioners, academicians, and students. The case volume includes Business Case Studies designed and developed by expert case authors based on current business and economic scenario in India using published data and field search live case studies. These case studies enable effective adoption to case methodology of teaching for UG and PG studies in business management as also best suited for management development programs in business and industry. These case studies offer best of opportunities and tools to be used in offline and online teaching and learning methodology especially help developing analytical skills and problem resolution techniques in the students of business management studies and young and aspiring business executives globally.
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Book chapters on the topic "India`s public sector banks"

1

Rani, Ibha, and Arti Singh. "Working Capital Management’s Effect on Banks Profitability: Public Sector Banks of India." In Contributions to Environmental Sciences & Innovative Business Technology, 171–80. Cham: Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-48075-1_15.

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Acharya, Viral, and Krishnamurthy V. Subramanian. "State Intervention in Banking: The Relative Health of Indian Public Sector and Private Sector Banks." In Monetary Policy in India, 195–230. New Delhi: Springer India, 2016. http://dx.doi.org/10.1007/978-81-322-2840-0_7.

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Sudhir, P. R., and Debasis Patnaik. "Analysis of Operational Risk in Public Sector Banks of India." In Interdisciplinary Research in Technology and Management, 349–62. London: CRC Press, 2024. http://dx.doi.org/10.1201/9781003430469-41.

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Rawlin, Rajveer S., Savitha Rani Ramachandran, and Munikrishnappa Anilkumar. "Stock Price Performance Optimization Framework for Public Sector Banks in India." In Interdisciplinary Research in Technology and Management, 270–79. London: CRC Press, 2024. http://dx.doi.org/10.1201/9781003430469-32.

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Sudhir, P. R., and Debasis Patnaik. "Analysis of Non-Performing Assets of Public Sector Banks in India." In Interdisciplinary Research in Technology and Management, 294–306. London: CRC Press, 2024. http://dx.doi.org/10.1201/9781003430469-35.

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Chandani, Arti, Rajiv Divekar, B. Neeraja, Mita Mehta, and Rizwana Atiq. "A Study to Analyze Use of Social Media by Private and Public Sector Banks in India." In Achieving $5 Trillion Economy of India, 135–52. Singapore: Springer Singapore, 2022. http://dx.doi.org/10.1007/978-981-16-7818-9_8.

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Nandi, Anita, Madhabendra Sinha, Abhijit Dutta, and Partha Pratim Sengupta. "An Analysis of Total Risk Management in Performances of Public Sector Banks in India." In Smart Intelligent Computing and Applications, 67–73. Singapore: Springer Singapore, 2019. http://dx.doi.org/10.1007/978-981-13-9282-5_7.

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Sudhir, P. R., Debasis Patnaik, and David K. K. Botchway. "Analysis of Bank-Specific Factors in Public Sector Banks in India: An ARDL Approach." In Interdisciplinary Research in Technology and Management, 463–76. London: CRC Press, 2024. http://dx.doi.org/10.1201/9781003430469-54.

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Deepa, V., K. Ramesh, and K. Sivasubramanian. "A Comparative Analysis of the Business Performance of Selected Public and Private Sector Banks in India." In Studies in Systems, Decision and Control, 129–38. Cham: Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-49544-1_11.

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Balasubramanian, Savitha. "A Review of the Pre-merger Performance of Select Public Sector Banks in India Using Key Performance Indicators." In Pandemic, New Normal and Implications on Business, 73–86. Singapore: Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-4892-3_5.

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Conference papers on the topic "India`s public sector banks"

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Patidar, Neha, and Anshuman Sen. "A study of Cyber-defense strategies adopted by major Public and Private sector Banks of India." In 2022 International Conference on Decision Aid Sciences and Applications (DASA). IEEE, 2022. http://dx.doi.org/10.1109/dasa54658.2022.9765304.

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Bhatia, Meena, and Mwila Mulenga. "DO ACCOUNTING NUMBERS HAVE ANY RELATION WITH STOCK PRICES? A CASE OF PUBLIC AND PRIVATE SECTOR BANKS OF INDIA." In 44th International Academic Conference, Vienna. International Institute of Social and Economic Sciences, 2018. http://dx.doi.org/10.20472/iac.2018.044.008.

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Jothikumar, J. "Determinants of net profit of public and private sector commercial banks in India(2015-2017)-A non parametric study." In 1ST INTERNATIONAL CONFERENCE ON MATHEMATICAL TECHNIQUES AND APPLICATIONS: ICMTA2020. AIP Publishing, 2020. http://dx.doi.org/10.1063/5.0025990.

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Jothikumar, J., and Kishore Jagan. "An analytical study of financial ratio’s of public sector banks in India between 2005 and 2017 (with special reference to Z-score and bankometer approach)." In 2ND INTERNATIONAL CONFERENCE ON MATHEMATICAL TECHNIQUES AND APPLICATIONS: ICMTA2021. AIP Publishing, 2022. http://dx.doi.org/10.1063/5.0110360.

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Ghosh, Souvik Kumar, Anupam De, and Banhi Guha. "A study on Interrelation between Indian Economic condition (GDP at factor cost) with the Business Growth & NPA position of the Public Sector Banks in India." In 2014 2nd International Conference on Business and Information Management (ICBIM). IEEE, 2014. http://dx.doi.org/10.1109/icbim.2014.6970962.

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Selvi Hanişoğlu, Gülay, and Fidan Güler. "Analysis of Housing Finance Systems in Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2017. http://dx.doi.org/10.36880/c09.01964.

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Housing Finance system has provided funds to households and organizations for buying their homes and premises. There are different type of housing finance systems which are applied by different countries. Housing finance systems can be more efficient, if private sector and public sector work together and harmoniously. Housing Finance system has made considerable progress in Turkey in the last 20 years. Before housing finance system was developed in Turkey, people could have bought houses by combining their retirement allowances and savings. Another method for financing their house, people could have borrowed from relatives or close friends along with their own savings. The Mass Housing Law (Law No: 2985) entered into force in 1984.The main target of the law, to find a solution of the housing problem in Turkey. Law also determines the tasks of the Housing Development Administration (TOKİ). After 2000’s Turkish Banks began to extend long term housing loans, but there was not mortgage system. Due to inadequate saving and income levels, it was not easy to use banking finance system for the low and middle income groups. In 2007, new legal regulations come into force, which is called Mortgage Law, for improving legal framework for borrowers and lenders in the primary markets and also made regulations for integrating primary mortgage market to the capital markets. In our paper, the finance methods and improvements in the housing finance in Turkey have been analyzed evaluating legal regulations and also the methods which is used by banks and other related institutions.
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Reports on the topic "India`s public sector banks"

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Land Disputes and Stalled Investments in India. Rights and Resources Initiative, November 2016. http://dx.doi.org/10.53892/nhew6671.

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India’s ambitious development agenda involves facilitating investment for economic growth, infrastructure development, and social progress. Yet, thousands of investment projects have been stalled to date, raising red flags for the health of the country’s financial regulatory systems, public sector banks, and investment community. While official reasons given for stalled projects remain opaque, deep contestation leading to conflict on public (and private) lands must be better understood as a substantive risk to investments. An improved understanding of the actual causes of stalled projects will not only help investors, financial institutions and regulators make better decisions, but also inform public policies regarding communities’ property rights and provide a path to more inclusive development. This new analysis—initiated by the Rights and Resources Initiative and the Bharti Institute of Public Policy, Indian School of Business—seeks to provide evidence-based insight into this complex subject. It aims to inform policy discussions and interventions that can mitigate the current situation. The study is part of a larger geo-spatial analytical platform being developed by the Bharti Institute of Public Policy. This brief is based on the interim findings of the ongoing study, which are significant enough to be shared widely and considered in proposed policy interventions. The main source of data on stalled projects in India is the CapEx database from the Center for Monitoring Indian Economy (CMIE).
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