ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

Articles By Public sector banks

Induce Spirit of Privatisation in Public Sector Banks

This article analyses why the progressive reforms in the public sector banks and the banking sector under the watchful eyes of the government could not bring the desired change in the working culture and governance of the PSBs. It highlights the reasons why PSBs lag behind and identifies future strategies that may help bring them back on the desired track.

 

Income Diversification and Risk-adjusted Returns for Indian Banks

Of late, banks are under pressure to improve their performance and asset quality. Diversifying income might improve their performance at a time when interest incomes are under strain. This article covers trends in diversification from 2000 to 2017 and explores the relationship between income diversification and risk-adjusted returns for banks in India. Our research supports the hypothesis that banks diversifying into non-interest income category are able to get higher risk-adjusted returns. For public sector banks, it is found that it is the dividend and treasury income that is contributing positively and significantly to risk-adjusted return.