Print ISSN: 2204-1990

Online ISSN: 1323-6903

Keywords : Public Sector Banks


Palak Lohia

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 2, Pages 2514-2527
DOI: 10.47750/cibg.2021.27.02.260

In the first MPC meeting held on 27.03.20, Finance Minister of India, Nirmala Sitharaman and the Governor of RBI, Shaktikanta Das announced a moratorium of three months on all loans and credit card instalments due between 1st March and 31st May initially, which was later extended to 31st August, in order to provide relief to the borrowers in the economy, in the current scenario of losses. Loans being on moratorium are sup-posed to have zero impact on the credit history of the borrower concerned, which means a no default situa-tion.
Now, banking sector, which is the backbone of any economy, will have to carry the burden of this year for many more years to come. In this paper, it has been attempted to study the impact of the decision of putting the loans on moratorium on the banking industry of India, adding to the ever existing issue of high NPAs.

Relative Performance Analysis On Selected Public And Private Sector Banks: A Camel Model Approach

Dr.Ch. Hymavathi

Journal of Contemporary Issues in Business and Government, 2021, Volume 27, Issue 1, Pages 3535-3545

Public and Private Sector Banks play a dominant role in portraying the financial system of an economy. An Economy’s health can be determined by the conditions prevailing in the financial system. In order to maintain a healthy financial system, it is necessary to analyse the banks regularly for identification of their Strengths and elimination of the potential vulnerabilities. Banks act as fuel for smooth and efficient functioning of an economy’s financial system. The objective of my study is to assess and contrast the financial, operational and managerial health of selected public and private sector banks. For the purpose of the study only three public sectors banks which include State Bank of India, Bank of Baroda and Union Bank and three private sector banks which include HDFC, ICICI and Axis Bank are taken into consideration. CAMEL approach is considered for analysing and contrasting the performance of the banks. CAMEL stands for C-Capital Adequacy, A-Asset Quality, M-Management Efficiency, E-Earnings and L-Liquidity.

A study on non-performing assets and their impact on public and private sector banks


Journal of Contemporary Issues in Business and Government, 2020, Volume 26, Issue 2, Pages 974-979
DOI: 10.47750/cibg.2020.26.02.137

Banks are struggling with challenges related to NPA’s. The objective of the study is to examine the reasons for the rising NPAs and its impact on public and private sector banks.The research findings were analysed using tools like frequency analysis, mean analysis and ANOVA analysis.The sample size of the study is 83 and respondents were customers of the bank.This paper focuses on the reasons behind the NPA and its impact on public and private sector banks.