Compare of Public and Private Sector Bank - 4588 Words

A PROJECT ON COMPARISION OF PUBLIC BANKS AND PRIVATE BANKS WITH CAMEL METHODOLOGY SUMBITTED TO:- Prof. AMIT BHATTACHARYA SUBMITTED BY:- NIKITA DESAI. FARNAZ KAZI. MITTAL LAD. BHAVISHA MISTRY. VARSHA NANDA. RITA PATIL Abstract What are the trends observed in the performance of Public Sector and Private Sector Banks? How do they perform when compared across the critical component of Capital Adequacy, Asset Quality, Management Efficiency, Earning Quality, Liquidity and Sensitivity to Market? A modest effort to compare public and private sector banks on the basis of six such crucial components OBJECTIVES OF STUDY âž ¢ To do an in-depth analysis of the model. âž ¢ To analyze 6 banks to get the desired results by using CAMELS as a tool of†¦show more content†¦The two important challenges for public sector banks are: †¢ To maintain profitability in spite of government norms and regulations, as to maintain their PLR. †¢ Put in place appropriate technology of excellent standards that will make them be seen more as virtual banks rather than brick and mortar. Private Sector Banks There are two types of private sector banks, the old and the new. As far as the old (mostly regional banks) are concerned, inadequacy of capital will lead to their mergers sooner rather than later. Private sector banks have good technology for handling transactions and also offer attractive products, but it cannot be said that corporate governance and risk management are far superior to that of the Public Sector Banks. Some of the most important challenges for private sector banks are: †¢ Consolidation and Convergence: RBI may be inclined to approve the merger. The regulator, which has been insisting on promoters of smaller banks to lower their holdings, would possibly prefer such mergers. Centurion Bank of Punjab needs the additional business to compensate for its relatively higher cost structures. It can cross-sell its banking products through the LKB network, including traditional banking products and fee-based services like wealth management products, to affluent NRI customers. †¢ Priority sector credit: Generally, private sector banks lend money to individuals and corporate sector whereasShow MoreRelatedANALYSIS OF NON PERFORMING ASSETS IN BANKS600 Words   |  3 PagesResearch †¢ This project â€Å"ANALYSIS OF NON PERFORMING ASSETS IN BANKS† is considered as an exploratory research. Exploratory research is basically a secondary research that started with a search for articles, research papers and books that explained the basics of the topic. †¢ In this project I have used secondary data by studying various articles, magazines, research papers and books that explain the basis of the topic. †¢ I have visited a bank where I had an informal discussion with the employees andRead MoreCorporate Social Responsibility : A Comparative Study Of Sbi And Icici Essay1611 Words   |  7 PagesEmail – 2007ankitapatel@gmail.com Abstract: At present Banking sector plays a significant role in the development of the nation, not only as a pillar of the financial system of the nation but also by contributing toward the society. Corporate Social Responsibility (CSR) becomes the integral part of the corporate strategy. This paper considers the data of one Public Sector Bank – State Bank of India (SBI) and one Private Sector Bank - Industrial Credit and Investment Corporation of India (ICICI)Read MoreThe Basic Sources Of Income Of A Bank1427 Words   |  6 Pages3. Interest Income to Total Income: Interest income is a basic source of revenue for banks. The interest income total income indicates the ability of the bank in generating income from its lending. In other words, this ratio measures the income from lending operations as a percentage of the total income generated by the bank in a year. Interest income includes income on advances, interest on deposits with the RBI, and dividend income. Interest Income/ Total Income 4. Other Income to Total Income:Read MoreThe Reliability of Five Different Sources of Reward Intelligence654 Words   |  3 Pagescreate desired business performance and results. 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The Egyptian corporate responsibility center (ECRC) was established in the yearRead MoreThe German Health Care System949 Words   |  4 Pagesthere are three providers of health service are: public hospitals, non-profit hospitals (run by the German Red Cross) and private hospitals. All people should have health insurance. That means insurance is obligatory matter and it plays a major role in the structure of Germany health system. T here are two main types of health insurance in Germany. The first type is Compulsory Insurance (also know as Public Insurance or SHI). The second type is Private Insurance (also know as PHI). The situation ofRead MoreHealth Is Man s Natural Condition, His Birth Right Essay1616 Words   |  7 Pagestreatment, a la â€Å"................scarce means, which have alternate use† (Robbins). This, however, is debatable because many believe that poverty is the basic cause of ill-health. This leads one to wonder whether public spending on poverty alleviation programmes can be an alternate to public spending on health. However, the various poverty alleviation programmes in the past have not led to any significant change in the poverty status of the people in India, which has been seen at around 37% as per theRead MoreA Report On State Bank Of India955 Words   |  4 Pagestheir accounts in State Bank of India. This is because everyone has the stereotype that State Bank of India is the best amongst all the banks. †¢ The younger generation people are comfortable in banking with the privatized banks while the elder generation seems to be comfortable with the nationalized banks. †¢ Now a days, it is found that customers are willing to have their accounts in multiple banks rather than having it in one bank. †¢ When asked about the people about which sector they would prefer bankingRead MoreComparative Study On Efficiency Of Public And Private Sector Banks Essay2400 Words   |  10 PagesEfficiency of Public and Private Sector banks in Peshawar: A Case Study of ABL and NBP Abstract This paper investigates the efficiency of public and private sector banks in Peshawar. For this purpose, we have taken the secondary data from income statement, balance sheet and other financial reports of banks for the year for the year 2010, 2011 and 2012.We have used ratio analysis technique on financial statements of the two banks to find out the efficiency that which sector banks is more efficientRead MoreEu Countries And Gcc Countries1721 Words   |  7 Pageslonger need to use foreign currency hedging and other financial instruments to hedge against foreign exchange risk, in addition to save the commission charges. Furthermore, there are no such tedious payment procedures in exchanging currencies through banks or other financial institutions, and the loss in trading forex is no longer exist, thus common currency greatly reduces the opportunity cost of the transaction if a country has high openness level. The level of economic openness in European countries