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Purpose: Worldwide economies have been shattered by the alarming increase in Non-Performing Assets (NPAs) in Banking Sector. In India, the rise in NPA levels gives a clear insight into the health of industry and state. This study aims to determine how NPAs in India impact the profitability of eight banks chosen from the public and private sectors; specifically: Punjab National Bank (PNB), Bank of India (BOI), UCO Bank, Punjab and Sind Bank (PSB), HDFC Bank, Axis Bank, ICICI Bank, and Yes Bank; during the period 2009/2010 to 2017/2018.

Design/methodology/approach: The study utilised IBM SPSS version 20 application to carry out our statistical analysis of measures of central location (mean and median), measures of dispersion (standard deviation), to carry out the Kolmogorov–Smirnov test to check the normality of data, the Mann–Whitney U test (for two groups) for median comparison between private and public sector banks and the Kruskal–Wallis test (for more than two groups) for median comparison for more than two banks. p ≤0.01 and p ≤0.05 were the two-tailed significance level used for determining the significance of all statistical tests.

Findings: Trend analysis and statistical tests show that the trend in public sector banks to have NPAs is higher compared to private sector banks, and losses arising from NPA impact the banks’ profitability.

Practical implications: It is apparent that NPAs are a large threat to banks in India as it reflects the state of the Indian economy. The growth of the economic cycle is predominantly dependent on the smooth and profitable functioning of private and public sector banks. This current study focusses on and compares the impact of NPAs on the profitability of public and private sector banks. NPAs have grown exponentially more in the case of public sector banks than private sector banks, which has affected the former banks’ financial health and performance. Increases in the level of NPAs adversely affect the working style and long-term stability of public and private sector banks in the economy.

Social Implications: NPAs have a negative influence on the profitability of the banks as well as on the economic growth of the country too. However, it is recommended that management in the banking sector, particularly the public banks, should use various preventive and recovery strategies to reduce the risk of failure and to keep track of NPAs to stay safe.

Originality/value: This study aims to determine how NPAs in India impact the profitability of eight banks chosen from the public and private sectors; specifically: PNB, BOI, UCO Bank, PSB, HDFC Bank, Axis Bank, ICICI Bank, and Yes Bank; during the period 2009/2010 to 2017/2018.

The World Bank's new Education Sector Strategy 2020 (2011) points to an important role for private actors in the development of high-quality, high-equity education systems that effectively address poverty alleviation in low and middle-income countries. This chapter asks whether this emphasis on private participation is new, focusing in particular on Bank policies, research, and operations in K-12 education. It also explores some surprising disjunctures between the World Bank Group's official policies promoting privatization and its operational practices. To do so, the chapter draws on a separate research project for which we completed a review of the Bank's current portfolio of projects in K-12 education and a series of interviews with World Bank staff. We also look at the expansion of Bank activities beyond its traditional arms – the International Bank for Reconstruction and Development (IBRD) and International Development Association (IDA) lending facilities – by including a brief a review of the educational activities of the International Finance Corporation (IFC), which directly supports the private sector in education.

This study gauges the profitability and performance of Indian commercial banks under the technology advancements. In this study, the authors identified three domains that give advantage to banks due to technology incorporation, that is, increased sales revenue, reduced operating expenses, and increased employee productivity. The authors assess the effect of these domains on banks’ profitability and performance. This study is conducted for the period between the years 2003 and 2018 across 34 public and private banks for empirical analysis. The authors examined the impact of investment in technology on the profitability using panel data analysis and evaluated the long-term effect of technology investment using the vector error correction model. This study found that there is a mixed effect of technology spend on the profitability and performance of Indian banks, where private sector banks are more aggressive in technology investment as compared to the public sector banks. This study recommends an optimal technology-related strategy to gain improved productivity for the banking business, that is, planned technology reserves, customer awareness campaigns about technology-enabled products, and robust employee–customer motivation policy.

The study aims to evaluate the financial distress position of selected sample banks in India. The top 10 banks with the highest levels of gross non-performing assets (NPA) under both public and private sector ownerships have been chosen for the study. Application of the Altman Z-score model has been used to compare both ownership banks’ financial distress for five years from 2017 to 2021. Based on the study’s findings, it was found that private sector banks demonstrated better financial stability than their public sector counterparts. Specifically, the average Z-score of the selected sample banks was higher than the safe zone threshold of 2.9 during the study period.

In Africa, the public sector is very often not able per se to deliver the resources needed to assure access to basic public goods and services. The African Development Bank (AfDB) has heavily invested in infrastructure to help overcome these long enduring bottlenecks, which have hampered economic growth in the continent. Given the AfDB’s ambitious objectives of contributing significantly to development and poverty reduction, and its continued thrust into infrastructure development through New Partnership for Africa’s Development, Africa50, and a range of collaborations to leverage resources for the continent, it is useful to consider the nature of the Bank’s involvement in Public–Private partnerships (PPPs) and identify lessons learned and recommendations for improvement. The methodology employs mixed methods, with desk reviews, staff consultations and analytical analysis of project data from 2006 to 2014 in 18 countries. Lessons and recommendations are drawn from the ‘Evaluation Results Database’, covering the period 2001–2012 from projects in 12 countries and six sectors. Overall, 64.4% of the PPP volume of the AfDB’s portfolio was allocated to lower middle-income countries, with low-income countries receiving about a quarter. The energy sector accounted for over 78% of the total PPP volume. A pragmatic account of what was done and learned from PPP implementation processes over a decade in the African continent is provided in this chapter, together with successes and failures from the AfDB’s experience, as the Bank itself and a range of other Multilateral Development Banks and donors continue to scale up infrastructure financing in Africa.

Purpose: The purpose of the study is to determine the significant difference between the performance of the Indian banks in pre coronavirus disease (COVID 19) and post COVID 19 periods. Further, it explores the impact of COVID 19 on the profitability of the Indian banks by investigating variation between the non-performing assets (NPAs) and the net profit of the banks during pre and post COVID 19 periods.

Need of the study: The COVID 19 outbreak has affected various industries including Indian banks which reported an increase in NPAs, and demand for credit which in turn impacted profitability. This study was carried out to examine the impact of COVID 19 outbreak on Indian banking sector.

Methodology: This study uses different banks’ NPA and net profits performance to examine the effect of COVID 19 on banks’ overall performance. The data have been collected from secondary sources, commercial websites, and websites of Indian banks (private and public sectors). t-Test was used to analyse the data.

Findings: Among public sector banks, Canara Bank was found to have a significant difference in net profit in the pre and post COVID 19 periods. In private sector banks, HDFC Bank showed a significant difference in the net profit in pre and post COVID 19 periods. For NPAs, all private banks showed no significant difference in pre and post COVID 19 period results.

Implications: The study revealed that both private and public sector banks in India were mildly affected by pandemic and most of them are significantly reporting no difference in net profit and NPAs during pre and post COVID 19 periods.

A major theme in the literature on bank regulation is that greater reliance on market forces can mitigate the moral hazard problem inherent in government sponsored deposit insurance. Specific proposals to impose greater market discipline on banks include minimum requirements on (1) uninsured subordinated debt financing (either fixed-term or with option-type features), and (2) private coinsurance on deposits. Both proposals amount to delegating the responsibility for bank regulation to various private sector claimholders. The results suggest that such delegation (with or without claims that include option-type features) may be ineffective in lowering bank risk, at least within the present regulatory and institutional framework. Alternative mechanisms exist that can mitigate the moral hazard problem; however, it may be necessary for the regulator/deposit insurer to be an integral part of the solution.

This chapter attempts to untangle the complex arena of private sector engagement in education by discussing the definitional challenges associated with understanding the non-state sector and by introducing some conceptual frameworks employed in research on private education. A thematic review of research from the field of Comparative International Education is provided to give the reader an understanding of the diversity that characterizes private involvement as well as the interconnectedness of private actors, specifically drawing attention to findings that grapple with equity implications. The chapter concludes with some suggestions for developing a framework for research via posing questions that ought to be asked when designing, conducting and analyzing findings from studies into private sector engagement in education.

This chapter contributes to the continuous debate on the effects of public information. The debate initiated with Morris and Shin (2002) who showed that heightening the precision of public information can be detrimental to welfare in a beauty contest framework, because when agents have both private and public information, they may overreact to the public information since it acts as a focal point. If the private agents overreact to public information, then a policy of limited transparency may be warranted. Some researchers suggest partial announcement (limited publicity), others propose to disseminate the public information privately to each agent (limited precision) with some idiosyncratic noise in order to reduce overreaction. Those chapter, however, miss the following fact; they don’t take into account the interaction between private sector and the central bank. We extend those studies by setting the framework as a two-player monetary policy game between the central bank and the private sector by allowing explicitly for a central bank to be one of the many contributors of the public signal. We show (1) how introducing a certain degree of opacity affects both players and determines the conditions under which an intermediate transparent strategy improves the outcome of the private sector, as well as of the central bank. We find that reducing transparency doesn’t affect the two players in the same way. (2) It turns out that respective players’ losses are strictly identical when the central bank implements the optimal degree of transparency or the optimal degree of publicity. We establish then an equivalence relationship in terms of effects between publicity and transparency for both actors.