private banks v/s public sector banks

1. A presentation on
CORPORATE ACCOUNTING
Presented by:
-Dhruvi adhvaryu _97
-Huma ansari _98
-Yogita attal _99
-Lakshit bohra _100

2. Topic :
PRIVATE SECTOR BANKS
V/s PUBLIC SECTOR BANKS

3. PRIVATE 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.

4. PUBLIC SECTOR BANKS :
 Public Sector Banks (PSBs) are banks where a majority
stake (i.e. morethan 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].

5. COMPARATIVE STUDY:
Public Sector Banks(Net Sales) Private Sector Banks(Net Sales)
Compa
ny
Name
Last
Price
Chan
ge
%
Chan
ge
Net
Sales
(Rs.
cr)
Comp
any
Name
Last
Price
Chan
ge
%
Chan
ge
Net
Sales
(Rs.
cr)
SBI 2,423.
00
-
19.35
-0.79 136,35
0.80
ICICI
Bank
1,428.
45
-6.80 -0.47 44,178
.15
PNB 881.7
0
-5.60 -0.63 43,223
.25
HDFC
Bank
865.20 -5.80 -0.67 41,135
.53
Canara
Bank
353.5
5
3.30 0.94 39,547
.61
Axis
Bank
380.85 3.05 0.81 30,641
.16

6. Net Profits Comparison :
Public Sector Banks(Net Sales) Private Sector Banks(Net Sales)
Compa
ny
Name
Last
Price
Chang
e
%
Chang
e
Net
Profit
(Rs.
cr)
Compa
ny
Name
Last
Pric
e
Chang
e
%
Chang
e
Net
Profit
(Rs.
cr)
SBI 2,423
.00
-19.35 -0.79 10,891
.17
ICICI 1,42
8.45
-6.80 -0.47 9,810.
48
BOB 898.4
0
-4.10 -0.45 4,541.
08
HDFC 865.
20
-5.80 -0.67 8,478.
38
PNB 881.7
0
-5.60 -0.63 3,342.
58
Axis 380.
85
3.05 0.81 6,217.
67

7. Cash/Bank Comparison:
Public Sector Banks Private Sector Banks
Comp
any
Last
Price
Chan
ge
%
Chg
Cash
&
Bank
% of
Total
Liabil
ities
Comp
any
Last
Price
Chan
ge
%
Chg
Cash
&
Bank
% of
Total
Liabil
ities
SBI 2,42
3.00
-
19.3
5
-
0.79
132,
549.
63
7.82 ICI
CI
1,42
8.45
-6.80 -0.47 41,5
29.6
0
7.42
BOB 898.
40
-4.10 -
0.45
130,
877.
9
7.82 HDF
C
865.
20
-5.80 -0.67 39,5
83.6
4
8.79
BOI 232.
40
0.65 0.28 61,3
82.2
9
11.0
5
Axis 380.
85
3.05 0.81 28,2
38.7
0
7.64

8. Other Differences:
Private Sector Banks Public Sector Banks
Jobs mainly got through campus
placements.
Right arena for highly ambitious
people.
Better salary packages and more
Growth opportunities.
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.
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.
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.

10. REFERENCES :
 https://www.moneycontrol.com/
 Association of Mutual Funds in India(Amfi)