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The document discusses the challenges faced by Indian banks, particularly the issue of non-performing assets (NPAs) affecting both public and private sector banks. It reviews various studies on banking performance, highlighting the need for public sector banks to enhance their strategic management and operational efficiency to improve productivity and profitability. Additionally, it compares the financial performance of specific banks, noting differences in interest income and deposit ratios.

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14 views1 page

Rol 2

The document discusses the challenges faced by Indian banks, particularly the issue of non-performing assets (NPAs) affecting both public and private sector banks. It reviews various studies on banking performance, highlighting the need for public sector banks to enhance their strategic management and operational efficiency to improve productivity and profitability. Additionally, it compares the financial performance of specific banks, noting differences in interest income and deposit ratios.

Uploaded by

adi013296
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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Girnara, Mona. (2020).

Nationalized (government-owned) banks, commercial banks, and specialised


banking institutions make up Indian banking. Non-performing assets is a challenge that all banks
are confronting today, whether they are public or private sector banks. Non-performing assets have
been the single biggest source of annoyance for India's banking sector. The lender will lose
money if the borrowers stop paying interest or principal on the loan. Non-performing assets are
wreaking havoc on the Indian banking industry. This study looks at data from public and private
sector banks during the last five years. On the basis of secondary data, the research article aims to
analyse various non-performing asset ratios. This research study provides a conceptual
understanding of nonperforming assets, as well as several nonperforming asset ratios and a
comparison of nonperforming assets in public and private sector banks.

Bansal (2010) studied the impact of liberlization on productivity and profitability of public sector
banks in India. The study has been conducted on the basis of primary as well as secondary data for
the period 1996-07. The study concluded that the ability of banks to face competition was
dependent on their determined efforts at technological upgradation and improvement in operational
and managerial efficiency, improvement in customer service, internal control and augmenting
productivity and profitability. The study found that public sector banks have to pay great attention to
strategic management, strategic planning and to greater specialization in the technical aspect of
lending and credit evaluation. It was recommended that public sector banks should strengthen their
project appraisal capabilities. In order to raise their productivity and profitability, public sector
banks should spell turnover strategies, income-oriented and cost oriented strategies from time to
time.

Singh, A. K. (2015). The author has conducted study in analysis of profitability position of private
bank in India like AXIS, ICICI, Karur Vysa bank (KVB), YesBank,and highlight the overall profitability of
bank (i.e.) Interest spread, Net profit margin, return on long term fund, return on net worth & Return
on assets, Adjusted cash margin.

Singh, A., & Tandon, P. (2012). The authors conducted a study in financial performance: a
comparative analysis of SBI and ICICI bank. The study found that the mean of Credit Philos Multi –
Disciplinary Journal ISSN 2456-9828 e- Journal April 2018 Page 4 Deposit Ratio and interest expenses
in ICICI was higher than in SBI. The interest income in SBI was higher as compared to ICICI. This
clearly indicated that people prefer ICICI to invest their savings and SBI to take loans & advances

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