Growth of Public & Private Sector Bank in the Banking Sector with Reference to SBI & HDFC Bank

Author:Rekha Garg

Abstract:
Today the Indian banking system has undergone significant transformation following financial sector reforms adapting international best practices. Several prudential payments integrating and provisioning norms have been introduced and these are shaping up the banks to improve efficiency and trimming down NPAs to improve the financial health in the banking system. In this study a comparison has been made between the public sector banks and private sector bank taking parameters like Non-Performing Asset (NPA), net interest margins etc. The finding reveals that private sector books tend to much better placed. Some private banks like HDFC are performing very much well as compared to the PSU banks. They have low level of NPAs. Also there is a need for the recapitalization of some of the PSU banks for better performance and to reduce the level of NPAs.

Keywords:Keywords: PSB, NPA, ICICI, HDFC, SBI.

DOI:

International Journal of Trade & Commerce (Vol: 7 Issue:2)