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Public vs private fa

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Public vs private fa

  1. 1. PRIVATE SECTOR BANKS VS PUBLIC SECTOR BANKS - A Presentation by M.D.Karthik
  2. 2. PRIVATE SECTOR BANKS  The banks where greater parts of stake or equity are held by the private shareholders and not by government.  Have grown faster & bigger over the two decades since liberalisation using the latest technology, providing contemporary innovations and monetary tools and techniques. • Old private-sector banks - The banks, which were not nationalized at the time of bank nationalization that took place during 1969 and 1980 are known to be the old private-sector banks. Ex-City Union Bank, ING Vysya Bank, Federal Bank etc. • New private-sector banks - The banks, which came in operation after 1991, with the introduction of economic reforms and financial sector reforms are called "new private-sector banks". Ex- Axis Bank, Kotak Mahindra Bank, Bank of Punjab etc.
  3. 3. PUBLIC SECTOR BANKS  Public Sector Banks (PSBs) are banks where a majority stake (i.e. more than 50%) is held by a government.  The shares of these banks are listed on stock exchanges.  There are a total of 27 PSBs in India [19 Nationalised banks + 6 State bank group (SBI + 5 associates) + 1 IDBI bank (Other Public Sector-Indian Bank) = 26 PSBs + 1 recent Bhartiya Mahila Bank].
  4. 4. Comparative Study  Public Sector Banks(Net Sales) Private Sector Banks(Net Sales) Company Name Last Price Change % Change Net Sales (Rs. cr) ICICI Bank 1,428.45 -6.80 -0.47 44,178.15 HDFC Bank 865.20 -5.80 -0.67 41,135.53 Axis Bank 380.85 3.05 0.81 30,641.16 Company Name Last Price Change % Change Net Sales (Rs. cr) SBI 2,423.00 -19.35 -0.79 136,350.80 PNB 881.70 -5.60 -0.63 43,223.25 Canara Bank 353.55 3.30 0.94 39,547.61
  5. 5. Net Profits Comparison Public Sector Banks Company Name Last Price Change % Change Net Profit (Rs. cr) SBI 2,423.00 -19.35 -0.79 10,891.17 Bank of Baroda 898.40 -4.10 -0.45 4,541.08 PNB 881.70 -5.60 -0.63 3,342.58 Private Sector Banks Company Name Last Price Change % Change Net Profit (Rs. cr) ICICI Bank 1,428.45 -6.80 -0.47 9,810.48 HDFC Bank 865.20 -5.80 -0.67 8,478.38 Axis Bank 380.85 3.05 0.81 6,217.67
  6. 6. CashBank Comparison Public Sector Banks Private Sector Banks Compa ny Last Price Change % Chg Cash & Bank % of Total Liabilities ICICI Bank 1,428.45 -6.80 -0.47 41,529.6 0 7.42 HDFC Bank 865.20 -5.80 -0.67 39,583.6 4 8.79 Axis Bank 380.85 3.05 0.81 28,238.7 0 7.64 Company Last Price Chang e % Chg Cash & Bank % of Total Liabilities SBI 2,423.00 -19.35 - 0.79 132,549. 63 7.82 Bank of Baroda 898.40 -4.10 - 0.45 130,877. 9 20.40 Bank of India 232.40 0.65 0.28 61,382.2 9 11.05
  7. 7. Other Differences Private Sector Banks • Jobs mainly got through campus placements. • Right arena for highly ambitious people. • Better salary packages and more growth opportunities. Public Sector Banks • More pronounced hiring activity through advertisements. • Right job for people who want to be in a safe position in a company for years. • Less growth opportunities and pension assures steady income during old age.
  8. 8. Other Differences Private Sector Banks • Promotion to the highest level possible irrespective of age. • Job security is a bit of issue as private sector is highly professional. • Loans have high interest rates. Public Sector Banks • Promotion is entirely based on seniority. • Job security is assured from the day one. • Loans at very low interest rates and additional interest rates on deposits.
  9. 9. REFERENCES :  www.moneycontrol.com  Association of Mutual Funds in India(Amfi)
  10. 10. THANK YOU

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