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1
Goyal, Akhil, and Dr Sudhinder Singh Chowhan. "Indian Banking Industry- Customer Satisfaction." Indian Journal of Applied Research 3, no. 1 (October 1, 2011): 95–98. http://dx.doi.org/10.15373/2249555x/jan2013/38.
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Tiwary, Bind Kumar. "Indian Banking Industry: Competition And Opportunities." International Journal of Scientific Research 1, no. 3 (June 1, 2012): 65–67. http://dx.doi.org/10.15373/22778179/aug2012/22.
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Sekar, Hemavathi. "Computerisation of Indian Banking Industry." Indian Economic Journal 45, no. 1 (September 1997): 146–51. http://dx.doi.org/10.1177/0019466219970112.
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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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Narwal, Mahabir. "CSR Initiatives of Indian Banking Industry." Social Responsibility Journal 3, no. 4 (November 1, 2007): 49–60. http://dx.doi.org/10.1108/17471110710840233.
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PurposeThe paper's purpose is to highlight the corporate social responsibility (CSR) initiatives taken by the Indian Banking Industry, which can help them to enhance their overall performance.Design/methodology/approachThe research is based on the survey questionnaire, administered to 33 public‐private sector banks in Northern Haryana, including its capital Chandigarh, which has been analyzed with the help of descriptive statistics and factor analysis.FindingsThe findings suggest that banks have an objective view‐point about CSR activities. They are concentrating mainly on education, balanced growth (different strata of society), health, environmental marketing and customer satisfaction as their core CSR activities. The Indian banking industry is found to be adopting an integrated approach by combining CSR with the ultimate customer satisfaction. Irrespective of location, the nature of CSR activities undertaken by banks is found to be similar.Research limitations/implicationsThe study was conducted on 33 banks. As the banks are undertaking CSR activities under the guidance of their respective head office, this perhaps generalizes its usefulness elsewhere.Practical implicationsAs CSR improves the performance of banks in terms of goodwill, social image and expanding business, this may be a fruitful example for other industries as well.Originality/valueThis paper observes that the work done for society may pass on the advantages to the corporate world and initiatives in this area may enhance the value.
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Firoz, Mohammad. "IFRS – preparedness of Indian banking industry." Journal of Financial Reporting and Accounting 9, no. 1 (July 5, 2011): 47–53. http://dx.doi.org/10.1108/19852511111139796.
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Hussein, Tanvir, and Tanu Goel. "Impact of Emotional Intelligence in Indian Retail Banking Industry: Challenges and Opportunities." Global Journal of Enterprise Information System 8, no. 1 (August 9, 2016): 39. http://dx.doi.org/10.18311/gjeis/2016/7289.
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The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. This study helps to know the emotional intelligence of employees working in educational institution. It is important for the employees working in service industries to have high level or morale with emotional intelligence. Emotional intelligence is not only crucial when you're on the job - it's also paramount when you're searching for a graduate role and going through the recruitment process. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. Public and private are among the many employers in retail banking and insurance that highlight the importance of emotional intelligence. It's a quality that's easily forgotten because it's not explicitly requested or graduates don't know what it means. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses emotional intelligence in retail the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers.
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Venkataramany, Sivakumar, and Balbir B. Bhasin. "The Changing Landscape Of The Indian Banking Industry: An Empirical Study." International Business & Economics Research Journal (IBER) 11, no. 4 (March 21, 2012): 421. http://dx.doi.org/10.19030/iber.v11i4.6878.
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While global financial deregulation has led to liberalization of financial services and thus to modernization of commercial banking, industrialized economies are facing a financial meltdown. The health of the major global banking industry is under severe stress, but India continues to be strong. Despite cost prohibitive efforts in the introduction of a range of new products and services, banks in India are striving to emerge from an era of development banking into consumer-oriented supermarkets. This paper studies the Indian banking industry with regard to its readiness to move on to the next generation.
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Sharma, Pooja, and Dr Sudipta Sen Gupta. "Impact of Digitalization on Service Marketing in the Indian Banking Industry." Gyan Management Journal 17, no. 1 (March 20, 2023): 95–104. http://dx.doi.org/10.48165/gmj.2022.17.1.11.
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Globally, Indian banking is making the move to digitization. By the late 1980s, the Indian banking industry had realized the need for digitalization and that customer service needed to be considered as an important aspect . Due to the adverse effects of several financial reforms on India in the late 1980s, the banking industry saw a need to improve customer service and computerize the recording of transactions and knowledge accounting. Today, all banks make significant investments in digital projects to keep a competitive advantage and offer their clients the best service possible. After its launch, customers have greatly profited from the convenience and time savings.
All manual processes and activities have been replaced by digital services. Although it has benefited customers and had a significant impact on the Indian banking sector, there are still a number of difficulties that arise. This paper will examine the effects of digitalization on service marketing in the Indian banking sector and how it has changed over time. This study’s main goal is to measure how satisfied bank customers are with the online services they receive from banks . This study makes use of the e – Servqual method to measure quality of services provided to banking customers after digitalization has taken place in the banking customers.
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Chaturvedi, Pritha, and Sumit Kumar Sinha. "CONTROLLING THE NPA IN THE INDIAN BANKING INDUSTRY: THE ROLE OF GREEN BANKING." BSSS Journal of Management 14, no. 1 (June 30, 2023): 20–30. http://dx.doi.org/10.51767/jm1403.
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The success of the Swadeshi movement, which emphasizes comprehensive and sustainable development, is the primary means by which the Indian government hopes to achieve Atmanirbhar Bharat. It is crucial to remember to create an atmosphere that is favorable for the creation of locally produced, cost-effective goods and services with minimal negative environmental effects. Due to the availability of smart technology, we saw that numerous financial transactions happened quickly during the lockdown caused by COVID 19. Banking institutions are relying on technology to strengthen their risk monitoring and NPA management capabilities in light of the COVID-19 pandemic and the slowing economy.The current imperative is improved Innovative green banking technologies for paperless transactions, including loan applications, loan releases, agreements, payback strategies, and the recovery of non-performing assets (NPAs), etc.This research paper's goal is to examine the numerous financial products, laws, and regulations governing bank NPA recovery that support green banking. By rerouting capital flows to projects and innovative technologies that are ecologically responsible and have a low impact on the environment, banks play a significant role in reducing the carbon footprint and accelerating economic growth. The paper presents the strategies or techniques employed by the banking sector to promote green banking. Understanding the importance of online resources this paper tries to bring out the significance of the same in the promotion of green banking highlighting the positive implications for controlling non-performing assets with the challenges in promoting green banking.
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Sharma, Pankaj, and Varun Chaturvedi. "Determinants of Growth - Indian Banking Industry & Auto Industry." Management Dynamics 6, no. 2 (April 26, 2022): 27–38. http://dx.doi.org/10.57198/2583-4932.1207.
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Farhat Uddin, Mohammad, Vivek Deshwal, and Syed Husain Ashraf. "A Study of Factors Amplifying Non-Performing Assets in Public and Private Banks in the Indian Economy." ComFin Research 11, no. 2 (April 1, 2023): 1–4. http://dx.doi.org/10.34293/commerce.v11i2.5924.
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Banking system is the foundational stone of Indian economy. In recent time, both public and private sector banks were marred by an growing number of NPAs, which is a matter of grave concern for Indian economic stability. This study aims to analyse the significance of growing NPAs on banking industry, identify the factors that contribute to the growth in the number of NPAs in Public and Private Banks in India, analyse them in Indian context and suggests various remedial measures for reducing the growing amount of NPAs with banking industry. The study also endeavours to formulate NPAs amount recovery techniques with explanation of their efficacy in Indian Banking Sector. It tries to provide various suggestions to stakeholders, analyisng both the adavantages and disadvantages of each such measure for the arrest in the growth of NPAs and their remediation.
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Khairullah, Ahmed Habeeb, and S. Rosita. "Theoretical Study of Indian Banking System." Journal of Social Commerce 2, no. 1 (May 12, 2022): 42–46. http://dx.doi.org/10.56209/jommerce.v2i1.12.
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Banks play a significant part in India's financial system and contribute to economic growth. The banking industry is the foundation of every contemporary economy. It is one of the most significant foundations of the financial industry and plays a crucial role in economic performance. It is crucial for the growth of the nation's economy that financial demands be met; industry and agriculture demonstrate the greatest degree of dedication and accountability. Therefore, the growth of the nation is intimately tied to the growth of banks. Banks should not be seen as money changers in the contemporary economy, but as development leaders. In several economic sectors, they serve a crucial role in aggregating deposits and debt payments. The financial system reflects the country's economic life. Economic vitality is contingent upon the stability and efficacy of the financial system, which in turn is contingent upon a solid and sustainable banking system. A solid banking system that integrates deposits into productive sectors and a melting bank system allow the bank to fulfill its duties to investors. After India's independence, banks play a significant part in the country's social and economic growth. India is dominated by the banking industry, which accounts for more than half of the financial sector's assets. The Indian banking sector has seen a remarkable transformation due to the reforms of the financial industry, which are implemented in phases. In this context, the researcher has conducted an overview analysis of the Indian Banking System, resulting in the current paper.
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Khairullah, Ahmed Habeeb, and S. Rosita. "Theoretical Study of Indian Banking System." Journal of Social Commerce 2, no. 1 (May 12, 2022): 42–46. http://dx.doi.org/10.56209/jsc.v2i1.12.
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Banks play a significant part in India's financial system and contribute to economic growth. The banking industry is the foundation of every contemporary economy. It is one of the most significant foundations of the financial industry and plays a crucial role in economic performance. It is crucial for the growth of the nation's economy that financial demands be met; industry and agriculture demonstrate the greatest degree of dedication and accountability. Therefore, the growth of the nation is intimately tied to the growth of banks. Banks should not be seen as money changers in the contemporary economy, but as development leaders. In several economic sectors, they serve a crucial role in aggregating deposits and debt payments. The financial system reflects the country's economic life. Economic vitality is contingent upon the stability and efficacy of the financial system, which in turn is contingent upon a solid and sustainable banking system. A solid banking system that integrates deposits into productive sectors and a melting bank system allow the bank to fulfill its duties to investors. After India's independence, banks play a significant part in the country's social and economic growth. India is dominated by the banking industry, which accounts for more than half of the financial sector's assets. The Indian banking sector has seen a remarkable transformation due to the reforms of the financial industry, which are implemented in phases. In this context, the researcher has conducted an overview analysis of the Indian Banking System, resulting in the current paper.
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Gopinath, Shyamala. "Corporate governance in the Indian banking industry." International Journal of Disclosure and Governance 5, no. 3 (July 2008): 186–204. http://dx.doi.org/10.1057/jdg.2008.8.
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Bhargave, Harshita, and Dinesh Tandon. "A Survey Study Impact of Mergers on Indian Banking Industry." ECS Transactions 107, no. 1 (April 24, 2022): 8769–76. http://dx.doi.org/10.1149/10701.8769ecst.
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Indian economy is growing and developing at rapid pace. Big corporate and industrial houses perceive the Indian market as hub for investment. Mergers and acquisitions activities have increased substantially. Mergers in India as a rule have encountered an expanded number in banking division. Therefore, this study has been proposed in which survey and personal interviews are conducted to study the impact of mergers on Indian public sector banks. A structured questionnaire has prepared and, on this account, the key opinions and suggestions of senior bank employees are reported. Further, data analysis and interpretation has been considered. The results revealed that the reasons behind mergers in banking industry are robust banking systems, compensation of losses, and enhancing the capital capacity. 40% of the banks believe that mergers help in achieving economies of scale. 74% of the respondents asserted that to increase capital without any difficulties, merger is the best strategy.
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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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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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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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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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Kamalam, G., and S. Murugaiyan. "Implications of E-Banking in Indian Scenario." Asian Journal of Managerial Science 5, no. 1 (May 5, 2016): 7–11. http://dx.doi.org/10.51983/ajms-2016.5.1.1201.
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Introduction of technology in banking sector has enabled customers to avail the banking services at anytime and anywhere in the form of ATM, Mobile banking, & Internet Banking. Banks today operate in a highly globalized, liberalized, privatized and a competitive environment. In order to survive in this environment banks have to use IT. Indian banking industry has witnessed a tremendous developments due to sweeping changes that are taking place in the information technology. Electronic banking has emerged from such an innovative development. The objective of the present paper is to study and analyze the progress made by Indian banking industry in adoption of technology. The study is secondary based and analytical in nature. The progress in ebanking in Indian banking industry is measured through various parameters such as Computerization of branches, Automated Teller Machines, Transactions through Retail Electronic Payment Methods etc. Statistical and mathematical tools such as simple growth rate, percentages and averages etc are used. The paper also highlights the challenges faced by Indian banks in adoption of technology and recommendations are made to tackle these challenges. The paper concludes that in years to come e-banking will not only be acceptable mode of banking but preferred mode of banking.
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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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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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Laxmanrao Rode, Sudatt, and Tryambak Hiwarkar. "Effect of Information Technology on Banking Segment in the Indian Financial Growth." International Journal of Computer Science and Mobile Computing 11, no. 7 (July 30, 2022): 37–47. http://dx.doi.org/10.47760/ijcsmc.2022.v11i07.004.
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The current banking environment must be extremely competitive. IT refers to the acquisition, distribution, archiving, and dissemination of all kinds of information via computer technology and communication networks. The input is made using these technologies, Information is kept, distributed, and communicated. IT involves supplemental hardware, software and other such tools, services, etc. recent changes in the banking industry in The Internet is in India. Information technology (IT) is fundamental to the banking industry. Sector are fulfilling internal needs, processing data effectively, and expanding customer services, innovative help for the development of new products, and end-user training for nontechnical workers. The following are some new information technology trends in the banking industry: outsourcing, combining, differentiating IT as a Source of Income, Thriving in Down Market. Tests the Indian banking system in India must pass include Meet potential customers on customer retention, the bank's service and capacity, dealing with spreads, and maintaining the operating profit, taking into account the sector's current market share and the accomplishment from another set of players in the banking business reveals the same.
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Sidana, Priyanka. "Indian Banking Industry: Issues & Strategies to Enhance M-Banking Services." Asian Journal of Research in Banking and Finance 7, no. 12 (2017): 122. http://dx.doi.org/10.5958/2249-7323.2017.00132.8.
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Vyas, Vishal, and Sonika Raitani. "Drivers of customers’ switching behaviour in Indian banking industry." International Journal of Bank Marketing 32, no. 4 (May 27, 2014): 321–42. http://dx.doi.org/10.1108/ijbm-04-2013-0033.
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Purpose – The price war and intense competition in Indian banking industry have exposed banks to one of the major threat of switching. Consumers are now more price and service conscious in their financial services purchasing behaviour. They are more prone to change their banking behaviour as banking products and services are nearly identical in nature. The purpose of this paper is to provide an insight of the drivers that lead a customer switch from one service provider to another in Indian banking industry using exploratory design. Design/methodology/approach – The impacts of the influencing factors have been studied and tested empirically using exploratory factor analysis. Quantitative data have been collected by means of questionnaire employed from Clemes et al. and administered to 296 banking customers of Rajasthan utilizing convenience sampling. Findings – Results reported that price, reputation, responses to service failure, customer satisfaction, service quality, service products, competition, customer commitment and involuntary switching have their significant effect on customers’ switching behaviour. Research limitations/implications – The findings of present study can be used by the Indian banks for their product and service designing strategies, marketing strategies and customer services practices in order to reduce customer switching. It would help them in improving their service operations and also in increasing customer satisfaction and loyalty by understanding the banking behaviour of their customers. Originality/value – The originality lies in the fact that this study is one of few which have focused on the drivers leading to the switching intentions of Indian banking customers.
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Agarwal, Sonal, Ginni Chawla, and Rupali Singh. "Innovations in human resource practices: measurement development and validation." International Journal of Innovation Science 9, no. 4 (December 4, 2017): 396–416. http://dx.doi.org/10.1108/ijis-05-2017-0046.
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Purpose The purpose of this study is to develop innovations in human resource (InHR) framework in the context of Indian banking industry and further develop a scale for its measurement. Design/methodology/approach A non-response bias test is conducted on a sample of 300 employees, and the assumptions of constant variance, outliers and normality are tested. Further, the InHR scale is validated through exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) tests. Findings EFA confirms the existence of five empirically distinct constructs at banking industry in India, and CFA affirms the dependability of the arrived constructs. It is concluded that the InHR framework constructs possess high reliability and validity. Research limitations/implications The authors duly recognize the limitations of survey-based research, the exploratory research design and the use of single method. Practical implications The proposed InHR scale and its constructs are an important input to guide managers and human resources (HR) policymakers to devise strategies for the Indian banking industry. Banks can also benchmark existing HR policies by applying the proposed InHR framework constructs. Social implications The InHR constructs provide academicians and practitioners with a better approach of understanding the InHR practices. Originality/value Despite the significance of Indian banking industry for the socio-economic capital, academic research focusing on this industry’s innovative practices has been limited. This study reveals originality and value by proposing an InHR framework in the context of Indian banking industry which integrates all the major innovative practices. Further a scale has been developed for its measurement.
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Uppal, R. K. "Global Crisis: Problems and Prospects for Indian Banking Industry." Journal of Economics and Behavioral Studies 2, no. 4 (April 15, 2011): 171–76. http://dx.doi.org/10.22610/jebs.v2i4.234.
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The present paper analyses the efficiency of all the bank groups in the post- banking sector reforms era. Time period of the study is related to second post-banking sector reforms (1999-2000 to 2005-06). This period has been chosen taking into consideration the following factors; On the basis of some parameters of efficiency i.e. profitability per employee, per branch, business per employee, per branch and expenses per employee and per branch, the paper concludes that efficiency of all the bank groups has increased in the second post-banking reforms period but these banking sector reforms are more beneficial for new private sector banks and foreign banks. At the end, paper suggests some measures for the improvement of efficiency of Indian nationalized banks.
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Kaur, Mandeep, and Samriti Kapoor. "Basel II in India: Compliance and Challenges." Management and Labour Studies 36, no. 4 (November 2011): 299–318. http://dx.doi.org/10.1177/0258042x1103600401.
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The stability of International banking system has emerged as a key concern for regulators in rapidly changing global banking scenario. In order to strengthen the soundness and stability of banks, Basel Committee on Banking Supervision (BCBS) came out with a comprehensive, flexible and risk sensitive framework known as Basel II. This paper attempts to assess in detail the role of Reserve Bank of India, in implementation of Basel II framework in Indian banking Scenario. For this purpose, Annual reports of Reserve Bank of India for the period 2002–03 to 2009–2010 have been analyzed in detail. The study has indicated that RBI has taken significant and structural initiatives to implement the Basel II norms in Indian financial system. It also gives glimpse of New Capital Adequacy framework to strengthen the banking structure. The study further throws light on challenges faced by Indian banking industry for the purpose of envisaged implementation of Basel II Accord.
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Et. al., Khusboo Srivastava,. "Paradigm Shift In Indian Banking Industry With Special Reference To Artificial Intelligence." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 5 (April 11, 2021): 1623–29. http://dx.doi.org/10.17762/turcomat.v12i5.2139.
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Technological advancement has transformed the businesses environment in past few decades and many technologies will emerge that will profoundly influence many industries. This technology revolution is future and controlling the organizations effortlessly for productive development. The paper investigates the various zones where the Artificial Intelligence is being utilized in the Indian banking sector and also its implications. This paper will confer that what are the advantages and the challenges which artificial intelligence is confronting in India. It seeks to explore advancement that artificial intelligence offers to FinTech and the different ways in which it can shape the operations of an Indian banking ecosystem.
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Ahmad, Syed Raziuddin, and Muhammad Nauman Khan. "Efficiency Measurement of Indian Banking Industry: An Empirical Comparative Analysis." International Journal of Financial Research 12, no. 4 (April 8, 2021): 135. http://dx.doi.org/10.5430/ijfr.v12n4p135.
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The following study is conducted to measure and compare the performance of 32 Indian banks, 21 public banks, and 11 private banks, at two tiers during the period of 2008–2018. Industrial analysis of both the public and private banking sectors is conducted in the first tier, followed by an individual bank-level analysis at the second tier. Data analysis consists of deposits, assets, and equity as inputs to measure the outputs practicing data envelopment analysis techniques. The empirical results portray a mixed trend in various elements of efficiency. They reveal that with the common pledge to expand market share and performance, public and private banks have been improving and covering the highest efficiency level. However, at the industry level, the private banking industry has slightly better technical and pure technical efficiency results compared to the public banking industry. On the other hand, the public banking sector performed well compared to the private banking industry in the stipulated study period based on mean scale efficiency results.Generally, many studies on Indian Banking Industry focus on determinants of industrial banking growth indicators. Further, we examine Indian banking performance at the individual bank level by incorporating the latest available data. In terms of technical and pure technical efficiency, Kotak Mahindra Bank Ltd., a private bank, scored the highest at the individual bank level. The State Bank of Bikaner & Jai has the highest score in terms of scale efficiency and thus is the best example of a public sector bank. Despite the improvement in income and deposits in both types of banking, there is still room for public banks to redirect their short-term and long-term marketing and communication strategies to focus on targeting customers and enhancing management skills at the branch level.
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Singh, Himanshu Shekhar. "Impact of Modern Communication Technology on Indian Postal System." Global Journal of Enterprise Information System 7, no. 1 (March 1, 2015): 28. http://dx.doi.org/10.18311/gjeis/2015/3031.
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India Post has touched the lives of every citizen for more than 150 years, be it through mails, banking, insurance money transfer or retail services. It has enjoyed the trust and support of its customers and stakeholders from the very beginning. With the of growth of telephone, internet and modernised banking services, customers are now exposed to new level of speed, transparency and quality. In India, customers of the postal service expect Department of Posts to provide a service level similar to industry standards maintained by banks, insurance, express industry, etc or other private agencies. In this era of globalization, lots of challenges are imposed on Indian Post office. This paper analyse the impact of Internet on Indian Post along with SWOT analysis of this sector.
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Muazzam, Rubina, and Pankaj Diwedi. "Recent trends and progress of Indian banking industry." Journal of Management Research and Analysis 5, no. 4 (December 15, 2018): 463–67. http://dx.doi.org/10.18231/2394-2770.2018.0075.
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Singh, Ruby, and Amit Gautam. "Economic Meltdown-Its Impact on Indian Banking Industry." Al-Barkaat Journal of Finance & Management 7, no. 2 (2015): 67. http://dx.doi.org/10.5958/2229-4503.2015.00015.6.
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Tripathi, Dr Jai Prakash, Dr Ravindra Kumar Kushwaha, and Mr Satish Mewada. "A Comparative Study: NPA’s in Indian Banking Industry." IOSR Journal of Business and Management 18, no. 10 (October 2016): 57–64. http://dx.doi.org/10.9790/487x-1810015764.
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Bhaduri, Saumitra N., and KR Shanmugam. "Ownership and Performance of the Indian Banking Industry." Journal of South Asian Development 3, no. 2 (October 2008): 237–52. http://dx.doi.org/10.1177/097317410800300203.
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Bhattacharyay, Biswa N. "Is Customer Service Deteriorating in the Indian Banking Industry?" Vikalpa: The Journal for Decision Makers 15, no. 3 (July 1990): 23–30. http://dx.doi.org/10.1177/0256090919900303.
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The Indian banking industry has been criticised for its growing indifference towards customer concerns. This criticism has been particularly pronounced after the nationalization of banks in 1969. The question, therefore, is one of examining whether customer service in the banking industry is really deteriorating. In this article, Biswa N Bhattacharyay investigates this question using data from two field surveys conducted by the National Institute of Bank Management in 1974 and 1984. He comes to the conclusion that an unqualified assertion that customer services have deteriorated in the banking industry in the post nationalization phase is empirically untenable.
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Kaur, Japneet. "Exploring relationships among ethical climate types and organizational commitment." Journal of Indian Business Research 9, no. 1 (March 20, 2017): 20–40. http://dx.doi.org/10.1108/jibr-02-2015-0022.
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Purpose Indian banking sector is facing a number of challenges, and increasing number of corporate frauds and employee turnover are among the top list. Literature reveals that gaining insights about ethical climate may provide a possible solution and relief from the challenges being faced. This paper aims to contribute to the understanding of the prevalent various ethical climate types in the Indian banking industry. Furthermore, it presents interesting results by investigating the effect of five theorized ethical climate types on organizational commitment along with its three components in the banking sector. Design/methodology/approach This empirical research encompasses a descriptive research design. Sample uses 266 respondents from four prime banks of the Indian banking industry. Findings Statistical analyses unveiled that all five conceptualized ethical climate types are prevalent in the Indian banking industry. However, the perception of employees for caring climate was the highest among all others. In contrast to the results reported by Western studies, this research reveals a strong negative impact of instrumental climate on affective commitment. Furthermore, it has been seen that instrumental climate is a significant predictor for the three components of commitment (affective, continuance and normative). However, it fails to predict the overall organizational commitment construct. Likewise, opposed to findings of Western countries, law and code, rules and independent climate types have shown significant relationship and impact on organizational commitment for Indian banking sector employees. It has been found that different commitment components are predicted by a diverse mix of climate types in India. Practical implications Findings highlight varying strength of relationship and predictive ability of different ethical climate types with commitment. This helps in elucidating that managers and top executives should focus on building an ethical work environment to warrant high-level commitment among employees. Congruence between employee, manager and organizations’ perception of ethics is a pre-requisite for maintaining a long-term relationship among the parties. This study will enable understanding the role of ethical climate in reducing corporate frauds and employee turnover. Originality/value This research addresses a significant gap in literature by exploring the relationship between ethical climate and organizational commitment. The study uses data from the Indian banking industry which contributes to expanding knowledge of the relationship in the Indian context.
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Uppal, R. K. "Indian Banking – NEW Vision 2030." Journal of Education and Vocational Research 2, no. 5 (November 15, 2011): 162–82. http://dx.doi.org/10.22610/jevr.v2i5.37.
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Dynamic changes are taking place in the Indian banking industry .The purpose of this paper is to access and analyze the future of Indian banking in the coming competitive era. With the help of ratio analysis method and various statistical techniques ,evaluates the performance of banking industry .In the post – second banking reforms era, Indian banks are very fastly changing and ready to face the global challenges. The paper has been divided into two parts, i.e pre-ebanking period and post -ebanking period. The paper concludes that the performance of banks much better in the post ebanking period. Only those banks will survive in future, which are intensively using information technology in day-to-day activities. The present paper highlights the changing face of Indian banks and predicts the future for 2030. Information technology has altered the face of Indian banks and it has positively affected the productivity and profitability of banks. The presence of Indian banks in the global market is continuously increasing.
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Prof. Ch.Rajesham, V. Kanakalatha. "Technological Innovations and Challenges in Banking Industry in India." International Journal of Scientific Research and Management (IJSRM) 5, no. 8 (August 19, 2017): 6691–98. http://dx.doi.org/10.18535/ijsrm/v5i8.17.
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Indian banking system touches the lives of millions of people and it is growing at a fast speed. Banking industry is facing number of challenges in India like changing needs and perceptions of customers, new rules from time to time and great advances in technologies. The pressure of meeting these challenges have forced banks to change the old ways of doing business. The research paper focuses on how the technology has changed the face of banking in India. India's banking system has seen some major (related to managing money) inventions of new things in the past at least 20 years which lead to huge/extreme improvements in banking services and operations. The different inventions of new things in banking and (related to managing money)part/area are ECS, RTGS, EFT, NEFT, Cash machine, Retail banking, Debit and Credit cards, free advice-giving services, online banking system, mobile banking and many more value added products and services. This paper also highlights the benefits and challenges of changing banking (popular things/general ways things are going). Banks are investing heavily in adoption of these inventions of new things. The need of hour is to design such a system that encourages the (wasting very little while working or producing something) of investment in inventions of new things and widens the gap between money/money income and costs involved with reference to (related to computers and science) up step.
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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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Ms. S.L. Sobiya and Dr. N. Thangavel. "“A Study on dimension of E-Banking Service Quality among Customer in Indian Banking Sector”." GIS Business 14, no. 6 (November 17, 2019): 55–61. http://dx.doi.org/10.26643/gis.v14i6.11063.
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Banking Industry is one the highly established in India, not only providing product it also concentrate on customer service and quality and their also try to maintain best quality among customers, clients, government and other organizations. Banking Industry in India is very powerful and plays a major role in development of our economy. It is a channel that link connection directly or indirectly towards the financial markets. It is very clear that quality plays vital role in the banking sector. Bank establishes service quality to their customers not only to impress them but also make them satisfied and win the competition among the banks. Customer satisfaction is very important concept since our Indian market totally deals with customers. Since the banker beliefs that “Customers is king”. Once, the customers are satisfied they are very much committed to the bank and will their loyalty and the banking business will be booming.
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M, Hashim, and S. Sajeev. "Disturbing Non-Performing Asset (NPA) in Priority Sector and Non-Priority Sector Lending (NPSL) Between Public Sector and Private Sector Bank." Commerce & Business Researcher 14, no. 1 (June 30, 2021): 113–22. http://dx.doi.org/10.59640/cbr.v14i1.113-122.
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The Indian banking industry faces an enormous issue in the form of Non-Performing Assets (NPA). Though NPAs are rampant in the Indian banking industry, particularly in Indian public sector banks, it is also the main reason for their obligatory lending to the priority sector. Banks have huge scope to extend credit to both the priority and non-priority sectors as the NPAs have not yet reached such magnitude that can seriously harm the efficiency of a bank. The problem of the NPAs is of great interest to academics and policymakers. The purpose of this paper is to check whether NPAs in Indian commercial banking has reached a critical stage.
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Kaur, Jaspreet, and Dr Ravinderjit Singh. "The Impact of Mergers and Acquisitions on the Financial Performance of Indian Banking Sector: An Analytical Study." Asian Journal of Multidisciplinary Research & Review 04, no. 02 (2023): 36–48. http://dx.doi.org/10.55662/ajmrr.2023.4202.
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An efficient and sound banking system is one of the cornerstones of a strong economy. India’s banking system differs greatly from that of other Asian countries due to the nation’s distinct geographic, social, and economic attributes. The banking industry makes a significant contribution to the Indian economy by providing timely loans to all societal segments while also collecting deposits from them. Commercial banks promote balanced regional development in India by providing the required financial infrastructure and finances for underdeveloped areas. They also encourage individuals to preserve their money and use it for investments in profitable endeavours, so fostering economic growth and resulting in a significant boost to employment prospects. In recent times, the Indian banking sector is an industry that is expanding quickly and changing its shape through mergers and acquisitions with prime objectives to control the rise in bad loans or non-performing assets, robust financial health, upgradation of technology and ensure better scale efficiency. Numerous domestic and foreign banks are involved in merger and acquisition activities. This study tries to examine how major mergers and acquisitions have operated in the Indian banking industry. A crucial pre-requisite is the integration of the Indian banking sector through mergers and acquisitions based on business considerations and strategies. Bank mergers encourage institutions to expand globally and create better synergy while also enabling larger banks to acquire the troubled assets of smaller banks. Thus, the present paper is an initiative to elucidate the need for bank mergers and acquisitions and to study the impact of such mergers and acquisitions on the equity shares of the shareholders’ capital and on the financial performance of the concerned banks.
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Kumar, Jitendar, and Dr Sudipta Sen Gupta. "Impact of Artificial Intelligence towards customer relationship in Indian banking industry." Gyan Management Journal 17, no. 1 (March 20, 2023): 105–15. http://dx.doi.org/10.48165/gmj.2022.17.1.12.
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The most significant & ground-breaking innovations in the banking industry is the growing emphasis on the needs of the consumer. Consumers that are technically knowledgeable and regularly interact with cutting-edge innovations want banks to provide smooth experiences. For operations like digital money, e-banking, and real cash transfers, financial institutions have extended their industrial landscape to include retail, IT, and telecom in order to meet these requirements. While these developments have made it possible for consumers to reach the majority of banking services at anytime, anywhere, they have also come at a cost to the financial sector. This study also sheds light on the advantages and disadvantages of adopting AI technology in the Indian banking sector. This study is of descriptive nature which describes the usage of artificial intelligence in banking services and the effect on relationship with customer. Data was collected from total 187 customers of Delhi of public and private sector banks using Questionnaire.
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Vijai, C., and P. Anitha. "Information Technology in Indian Banking Sector Some Recent Developments." Shanlax International Journal of Commerce 8, no. 1 (January 1, 2020): 65–71. http://dx.doi.org/10.34293/commerce.v8i1.985.
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The banking sector could be the backbone of the Indian economy. In today’s era, technology support is incredibly necessary for the triple-crown functioning of the banking sector. While not IT and communication, we tend to cannot accept the success and growth of the industry and economy, it’s enlarged the role of the banking sector within the Indian economy. Run batted in new rules and supporting new technology and innovation for the client within the banks. The Indian banking sector was introduced the RTGS, mobile banking, Digital Wallets, UPI, Blockchain Technology, computing, Cloud Banking, wearable Technology, Omnichannel Banking, the point of sale, square measure numerous innovations within the Indian banking sector. This paper highlights the information technology in the Indian banking sector. This paper is descriptive. Secondary information square measures collected from numerous websites, reports, and journals.
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Ram Prasad, T. P., and T. T. Karthik. "An Empirical Study on the Big Consolidations of Indian Banking Industry." ComFin Research 7, no. 3 (July 1, 2019): 102–8. http://dx.doi.org/10.34293/commerce.v7i3.3522.
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India declared a broad consolidation of state-claimed banks that will see 10 of them being merged to frame four greater moneylenders to reinforce a sector battling with a terrible advance cleanup and planned for making loan specialists of worldwide scale that can bolster the economy’s flood to $5 trillion by 2024. The government additionally reported administration changes to improve their wellbeing. This was the most recent in a progression of announcements by the government since a week ago as it looks to animate demand and resuscitate the economy. In a different announcement, the government said development had dropped to a six-year low in the quarter to June. The most recent consolidation move will slice the quantity of state-claimed loan specialists to 12 from 27 of every 2017, Sitharaman stated, featuring the banking changes embraced by the Narenda Modi government that have likewise included noteworthy cleaning up of asset reports. This isn’t the first occasion when that the possibility of merging state-claimed banks has picked up momentum. In his way breaking 1991 report on banking sector changes, M. Narasimham, a former Reserve Bank of India senator, had recommended mergers to shape a three-level structure with three enormous banks with international nearness at the best, eight to 10 national banks at level two, and countless provincial and nearby banks at the base. Afterward, the P.J. Nayak Committee had additionally recommended that state-run banks ought to either be merged or privatize. To be sure, as per Indian Banking Association information, there have been in any event 49 mergers since 1985. Hence, the present study has been focused to highlight the brief of top vital consolidation on Indian Banking sector and study based on secondary sources of data.
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Jamil, Syed Ahsan, Bimal Jaiswal, and Namita Nigam. "Consolidation in Indian banking industry – need of the hour." Business Review 3, no. 2 (July 1, 2008): 1–16. http://dx.doi.org/10.54784/1990-6587.1154.
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VEDALA, NAGA SAILAJA, and RAO T. UMAMAHESWARA. "A STUDY ON FINANCIAL PERFORMANCE OF INDIAN BANKING INDUSTRY." i-manager’s Journal on Management 13, no. 4 (2019): 56. http://dx.doi.org/10.26634/jmgt.13.4.15037.
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Mohanty, Shiba Prasad, Ashish Mahendra, and Santosh Gopalkrishnan. "“Soar” or “Sore”." International Journal of Information Technology Project Management 13, no. 3 (July 1, 2022): 1–17. http://dx.doi.org/10.4018/ijitpm.313662.
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The study examines the factors affecting the performances of the Indian banking sector, especially after the global financial crisis. The sample constitutes a total of 33 scheduled commercial banks (SCBs) that were operative in India during the period extending from 2002 to 2016 by employing a panel data model. It also reports that leverage and management efficiency as internal determinants do have a significant impact, while inflation as an external determinant affects the bank's profitability. The Indian banking industry has been less affected by the influence of external factors as compared to profitability.