• ANURADHA PARIHAR

ABSTRACT SUMMARY OF THESES - Indian banking has undergone tremendous changes over time and the entry of private sector banks has transformed Indian banking both structurally and functionally. In this competitive environment, presence of an effective banking system is essential for the economic activities and industrial progress of a country. Looking at the prevailing competitive environment among banks, it was thought to be imperative to study and compare the performance of public and private sector banks. The present study has been conducted to analyze comparative financial performance and financial inclusiveness of public and private sector banks. The study also analyzed relative customer satisfaction levels of public and private sector banks. The comparison of financial performance inclusiveness of selected bank groups was done on the basis of secondary data collected over 10 years (2005-06 to 2014-15), since the formal inception of financial inclusiveness in 2005-06. Various statistical techniques like percentage method, compounded annual growth rate and ratio analysis were applied to study and compare the financial performance and inclusiveness of selected bank groups. To gain an insight into the level of customer satisfaction with regard to services provided by public and private sector banks. A sample of 900 customers from three northern region states i.e. Punjab, Haryana and Himachal Pradesh was selected for primary survey. A well-structured questionnaire was used to collect the data. Customer satisfaction was studied on the basis of various parameters like effectiveness, accessibility, cost, tangibles, reliability and empathy. Association between the selected parameters and socio-economic variables i.e. age, gender, educational qualification, occupation, annual income and area was studied using chi square test. Mean and standard deviation also were calculated to identify the extent of dispersion in the opinion of customers. The results revealed that in terms of financial performance, public sector banks were better performers in credit-deposit ratio and investment-deposit ratio, whereas private sector banks were ahead in terms of NPA management, return on assets, return on equity, net interest margin and maintaining capital adequacy ratio.

INTRODUCTION ORIGIN OF BANK BANK NATIONALIZATION ERA POST REFORM ERA DEFINITION OF BANK MEANING OF BANK FUNCTION OF BANK BANKING STRUCTURE IN INDIA THE ROLE OF LEADERSHIP CURRENT SCENARIO FINANCIAL PERFORMANCE

"Project Management And Leadership The Role Of Leadership In Banking Performance Comperative Study Of Public And Private Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 1, page no.i299-i379, January-2025, Available :http://www.jetir.org/papers/JETIRTHE2174.pdf

"Project Management And Leadership The Role Of Leadership In Banking Performance Comperative Study Of Public And Private Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 1, page no. ppi299-i379, January-2025, Available at : http://www.jetir.org/papers/JETIRTHE2174.pdf