scholarly journals Efficiency Measurement of Indian Banking Industry: An Empirical Comparative Analysis

2021 ◽  
Vol 12 (4) ◽  
pp. 135
Author(s):  
Syed Raziuddin Ahmad ◽  
Muhammad Nauman Khan
Keyword(s):  
Technical Efficiency ◽  
Banking Sector ◽  
Banking Industry ◽  
Scale Efficiency ◽  
Public And Private ◽  
The Public ◽  
Private Banks ◽  
Public Banks ◽  
The Individual ◽  
Private Banking

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.

Empirical Study On Attributes Leading To Satisfaction Among Bank Customer

2019 ◽  
Vol 118 (7) ◽  
pp. 101-110
Author(s):  
Ms.U.Sakthi Veeralakshmi ◽  
Dr.G. Venkatesan
Keyword(s):  
Service Quality ◽  
Behavioral Intention ◽  
Banking Sector ◽  
Positive Impact ◽  
Quality Performance ◽  
Public And Private ◽  
The Difference ◽  
The Individual ◽  
Private Banking ◽  
Service Gap

This research aims at measuring the service quality in public and private banking sector and identifying its relationship to customer satisfaction and behavioral intention. The study was conducted among 500 bank customers by using revised SERVQUAL instrument with 26 items. Behavioral intention of the customers was measured by using the behavioral intention battery. The researcher has used a seven point likert scaling to measure the expected and perceived service quality (performance) and the behavioral intention of the customer. The instrument was selected as the most reliable device to measure the difference-score conceptualization. It is used to evaluate service gap between expectation and perception of service quality. Modifications are made on the SERVQUAL instrument to make it specific to the Banking sector. Questions were added to the instrument like Seating space for waiting (Tangibility), Parking space in the Bank (Tangibility), Variety of products / schemes available (Tangibility), Banks sincere steps to handling Grievances of the customers (Responsiveness). The findings of the study revealed that the customer’s perception (performance) is lower than expectation of the service quality rendered by banks. Responsiveness and Assurance SQ dimensions were the most important dimensions in service quality scored less SQ gap. The study concluded that the individual service quality dimensions have a positive impact on Overall Satisfaction.

Ownership structure and auditor selection

2020 ◽  
Vol 35 (8) ◽  
pp. 1121-1142
Author(s):  
Curtis M. Hall ◽  
Benjamin W. Hoffman ◽  
Zenghui Liu
Keyword(s):  
Ownership Structure ◽  
Banking Industry ◽  
Audit Fees ◽  
High Quality ◽  
Public And Private ◽  
Content Type ◽  
Industry Expert ◽  
Big 4 ◽  
Private Banks ◽  
Public Banks

Purpose This paper aims to investigate the effect that ownership structure (public vs private) has on the demand for high-quality auditors, specifically in the US banking industry. Design/methodology/approach The authors predict that public banks are more likely to hire a high-quality auditor than private banks and pay a higher audit fee premium for that high-quality auditor (due to higher agency costs, more demand for financial information and higher litigation risk). The authors analyze 2008–2014 banking data from the Federal Reserve using probit and OLS regression analysis to examine if there is a higher probability that public banks choose higher quality auditors and pay higher audit fees when they do so. Findings The results show that private banks are less likely to hire Big 4 auditors and industry-expert auditors than public banks. The authors also find that both private and public banks pay higher audit fees for Big 4 and industry-expert auditors, and that public banks pay a higher premium for Big 4 auditors and industry experts than private banks. Research limitations/implications The findings may not be fully generalizable to other types of firms, as banking is a heavily regulated and complex industry. However, inferences from this study may be generalizable to other similar industries such as insurance or health care. Practical implications The results of this paper imply that public and private banks have differing priorities when hiring their financial statement auditor. This may be of interest to investors and auditing regulators. Social implications The findings of this paper underscore the value of hiring an industry-expert auditor in an industry that is highly complex and regulated. This may be of interest to managers and policymakers. Originality/value Due to data restrictions, the emphasis of prior literature on the banking industry has been on public banks. This study is the first to analyze the differences between public and private banks’ demand for audit services.

scholarly journals Comparative Analysis of Risk Management Practices of Commercial Banks in Afghanistan

2021 ◽  
Vol 09 (01) ◽  
pp. 110-122
Author(s):  
Waqas Khan ◽  
◽  
Muhammad Tahir ◽  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Value At Risk ◽  
Management Practices ◽  
Banking Sector ◽  
Credit Risk Management ◽  
Public And Private ◽  
Significant Difference ◽  
Private Banks ◽  
Public Banks

The main objective of the study was to compare the risk management practices of public and private banks and rank different types of risks faced by public and private banks in Afghanistan banking sector. The study empirically tested the level of efficient risk management practices in the banking sector of Afghanistan. A representative sample of 110 individuals was used from both public and private banks. The analysis was based on correlation, regression analysis, and t-statistics. The findings suggest that private banks are more efficient than public banks in terms of risk assessment and analysis, risk monitoring, and credit risk management. Furthermore, RAA, RMON, and CRA are the significant determinants of RMPS. Overall, there is no significant difference in the risk management practices of public and private banks. The study found credit risk, country risk, and liquidity risks as the major risks for the banking sector in Afghanistan. Financial statement analysis, audit and physical staff, and value at risk analysis are the three top instruments respectively for the assessment of risk. This study is the first attempt to understand and analyze the risk management practices of the banking sector of Afghanistan, the results of which will assist various stakeholders of the banking industry in their decision-making process.

Employees Attitude towards E-Learning in Banking Sector -An Empirical Study of Shivamogga District

2019 ◽  
Vol 118 (10) ◽  
pp. 88-106
Author(s):  
Dr.Mamatha. S.M ◽  
Mr.Panduranganagouda Honnali
Keyword(s):  
Banking Sector ◽  
Employee Performance ◽  
Private Bank ◽  
Public And Private ◽  
The Public ◽  
Body Of Knowledge ◽  
E Learning ◽  
Banking Structure ◽  
Bank Employees ◽  
Methods Of Learning

E-learning has become a global phenomenon and it is the central theme of many industries and organizations for the additional method of training which can complement traditional methods of learning. The practices of E-learning and Learning management system (LMS) in the banking sector make the drastic changes in the employee performance and their knowledge regarding job in the modern banking structure. This study provides a comprehensive body of knowledge about LMS and e-learning, in general, within the public and private bank in India. The main objective of this paper to understand and analyze the attitude of employees towards E-learning practices in banking sector in Shivamogga district. The data was analyzed by using exploratory factor analysis, based on the responses received from a random the sample 50 of the bank employees working in the private sector banks.

Identification of Sources of Job Stress: A Study of Bank Marketing Executives

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Sakshi Sharma ◽  
Jashandeep Singh
Keyword(s):  
Job Stress ◽  
Banking Sector ◽  
Interpersonal Relations ◽  
Personal Information ◽  
Private Banks ◽  
Managerial Implications ◽  
Bank Marketing ◽  
Private Banking ◽  
Self Administered Questionnaire ◽  
Marketing Executives

The present study identified the sources of job stress among marketing executives working in private banking sector of Punjab. A self-administered questionnaire consisting of personal information and items related to respondents job stress was used to collect the data from 600 marketing executives. The factors having potential to produce job stress identified through factor analysis are lack of clarity and growth, work-life imbalance, work overload, lack of autonomy, unachievable targets, poor communication system and poor interpersonal relations. The detailed findings and managerial implications for private banks are discussed.

What Can Economists Contribute to the Common Good Tradition?

2017 ◽  
Author(s):  
Andrew M. Yuengert
Keyword(s):  
Common Good ◽  
Common Pool Resources ◽  
Economic Approach ◽  
Public And Private ◽  
Private Provision ◽  
The Public ◽  
The Common Good ◽  
The Common ◽  
The Individual ◽  
Insight Into

Although most economists are skeptical of or puzzled by the Catholic concept of the common good, a rejection of the economic approach as inimical to the common good would be hasty and counterproductive. Economic analysis can enrich the common good tradition in four ways. First, economics embodies a deep respect for economic agency and for the effects of policy and institutions on individual agents. Second, economics offers a rich literature on the nature of unplanned order and how it might be shaped by policy. Third, economics offers insight into the public and private provision of various kinds of goods (private, public, common pool resources). Fourth, recent work on the development and logic of institutions and norms emphasizes sustainability rooted in the good of the individual.

scholarly journals Investigation on firm efficiency: evidence from selected Asia-Pacific countries

2018 ◽  
Vol 25 (8) ◽  
pp. 3062-3080 ◽  
Author(s):  
Khar Mang Tan ◽  
Fakarudin Kamarudin ◽  
Amin Noordin Bany-Ariffin ◽  
Norhuda Abdul Rahim
Keyword(s):  
Technical Efficiency ◽  
Small Firms ◽  
Banking Sector ◽  
Profit Maximization ◽  
Asia Pacific ◽  
Scale Efficiency ◽  
Scale Level ◽  
Firm Efficiency ◽  
Content Type ◽  
Parametric Data

Purpose The purpose of this paper is to examine the firm efficiency or technical efficiency (TE), pure technical efficiency (PTE) and scale efficiency (SE) in the selected developed and developing Asia-Pacific countries. Design/methodology/approach The sample consists of a sum of 700 firms in selected developed and developing Asia-Pacific countries over the period from 2009 to 2015. The non-parametric data envelopment analysis under the production approach is used to investigate firm efficiency. Findings On average, this paper discovers that the firms in selected Asia-Pacific countries are moderately efficient. Scale inefficiency (SIE) is found to be the dominant source of firms’ technical inefficiency. The analysis of return to scale shows that the large firms tend to operate at decreasing return to scale level, while the small firms tend to operate at increasing return to scale level. Practical implications The findings from this paper provide significant insights to the policy makers and firm managers in promoting the efficient firms of Asia-Pacific countries. Originality/value The present paper conducts a critical analysis on return to scale in the firms sector of Asia-Pacific context, which is ignored by the past studies on firm efficiency since the analysis of return to scale is mostly emphasized on banking sector. The precise nature of SIE is important for a firm to be efficient in achieving the firm’s primary goals of profit maximization and sustaining market competitiveness.

scholarly journals Service Performance in Public, Conventional Private and Specialized Private Banks in Bangladesh

2018 ◽  
Vol 14 (3) ◽  
pp. 100
Author(s):  
Md Abu Saleh
Keyword(s):  
Research Field ◽  
Service Performance ◽  
Future Research ◽  
Limited Attention ◽  
Competitive Edge ◽  
Area Of Interest ◽  
Private Banks ◽  
And Performance ◽  
Public Banks ◽  
Private Banking

Banking services play a key role in present competitive edge. Accordingly, service quality, satisfaction and performance have become an area of interest in such research field. An extensive review of literature revealed that very limited attention has been given to explore the borrower customers’ perspectives regarding the conventional public, private and specialised private banking. Therefore, this research strives to accommodate a developing perspective where conventional and non-conventional Islamic banks are operating and providing services to their customers. Data have been collected from 78 borrower customers to examine their perceived quality, satisfaction and performances of banks. The study revealed that service performance by the Islamic and conventional private banks were found well-organized in providing services and better than public banks. The study finally addressed the limitations and future research directions.

scholarly journals Bank Selection Criteria and Performance of Public and Private Banks of Sri Lanka: A Comparative Study

2020 ◽  
Vol 2 (2) ◽  
pp. 197-215
Author(s):  
M. S. Nilam
Keyword(s):  
Sri Lanka ◽  
Foreign Banks ◽  
Competitive Environment ◽  
Sri Lankan ◽  
Technological Advancement ◽  
Public And Private ◽  
Financial Deregulation ◽  
Private Banks ◽  
And Performance ◽  
Public Banks

Financial deregulation and technological advancement have led the sri lankan banking industry to highly competitive environment. In sri lanka, the competition is not only among the local banks, but also from foreign banks. To stay competitive and strong, a bank’s customer retention is crucial. In this context banking institutions would like to know how the customers select their bank and how they perceive the performance of banks in such competitive environment. The researcher selected sample of 468 banking customers from public and private banks of sri lanka. Responses were analyzed and presented through descriptive, correlation and regression analysis. The findings showed that the security and service quality were the two most crucial factors when selecting a bank in sri lanka. Significant gender and education level factors in bank selection were observed. Study concludes that sri lankan private banks perform better on those factors than the public banks in sri lanka.

The Relationship between the Korean Dawn Prayer Meeting and Spirituality

2019 ◽  
Vol 49 (2) ◽  
pp. 206-219
Author(s):  
Jonghyun Kim
Keyword(s):  
Christian Spirituality ◽  
Public And Private ◽  
The Public ◽  
Individual Spirituality ◽  
The World ◽  
History Of ◽  
Dawn Prayer Meeting ◽  
The Individual ◽  
The Relationship

This article analyzes the formative power of the Korean dawn prayer service to better understand the public and private dimensions of Christian spirituality. It explores the origin of the dawn prayer in the history of Korean Protestantism, and examines an example from a particular church. On the basis of this exploration, it is argued that the dawn prayer service should not be understood as an instrument to strengthen individual spirituality, but rather as a place to participate in God’s redemptive work to and for the world. Both the individual and communal aspects of dawn prayer practice are important, but I will argue that current Korean practice leans too much toward the individual.

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