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The level of non-performing assets (NPAs) best indicates the soundness of the banking sector of a country. The purpose of this study is an effort to look into the contribution of the different banks individually to the NPA in the industry by looking into its growth pattern during the period 2010-2017. Further, the study is made to look into the effect of different groups of banks, namely, State Bank of India (SBI) and its associates, nationalised banks and private sector banks on the banking industry in this regard.

The individual private sector banks, nationalised banks and SBI and its associates have been considered for the purpose of the study. The analysis is based on secondary data collected from the Reserve Bank of India website for the period 2010-2017. The geometric mean has been used as a statistical tool for arriving at the mean growth rate of gross NPAs. Further, refinement of the result is done by comparing the growth of gross NPAs of individual banks with that of the average growth rate.

The assessment of private sector banks reveals that the growth rate of NPAs is low as compared to the nationalised banks, as well as the SBI and its associates. The nationalised banks and the associate banks of SBI failed to handle the issue of poor loans effectively due to which the growth in such loans has been phenomenally high.

The research is interesting as the study period follows the financial crisis. There is no such previous study that has looked at the perspective of banking from this angle. The research is valuable from two angles. Firstly, it brings to light the situation of the different categories of banks with regard to NPAs. Secondly, the information can be useful for investors as the issue of poor loans is a relevant one for them because it has an impact on the profitability of banks and thereby the future prospects.

Organizations are consistently seeking innovative strategies and novel pathways to enhance business processes and create differentiation. The global business ecosystem is changing and there is growing demand for multi-modal digital technologies, big data consolidation and data analytics to harness a cost-competitive agile system. Technological convergence and integration of digital systems is one of the preferred methodologies that facilitates new and effective workflows and revives business processes. The progressive interlinking of digital technologies with business operations leads to the convergence and blending of management disciplines, devices and applications. The growing inconsistencies in managerial understanding regarding the benefits of convergence prompts a comprehensive examination of digital convergence pathways, identifying the impacts on converging entities and business objectives. The State bank of India (SBI) mega-merger case study was selected to investigate the pragmatic framework of digital convergence and to understand the impacts on interlinked entities such as: business operations, strategic management, project team that support value creation and competitive differentiation. The purpose of this paper is to focus on the phenomena of techno-fusion of emerging technologies creating new opportunities, business models and unique strategies for global banking and financial service organizations.

This study applies the qualitative, inductive research method using critical reflection of before and after the implementation of convergence and digital integration strategies. The SBI case study employs this research strategy based on the premise that banks must stay agile and highly responsive to the changing environment to enhance its value proposition and competitive differentiation objectives. The study methodology incorporates cooperative inquiry and multiple levels of analysis using data collection techniques of exhaustive review of archives, informal interviews, questionnaires and observations to identify the synergistic process improvement pathway. The study is grounded on the concept that the convergence of diverse business pathways involves innovative and interlinked project, strategic and information technology (IT) workflows that results in open innovative systems.

The studies identify that organizational innovation and creative solutions are a result of ecosystem turbulence, environmental force diversity, competitive pressure and the need for differentiation. Organizations that harness the power of digital fusion and convergence of management, systems and data generate a competitive advantage. The technological convergence strategy pulls multiple business and technology processes (project, strategic, IT, Cloud, AI and business process management) at the organizational, divisional or functional level generating new opportunities and threats, new business models and unique growth strategies for global banking and financial services organizations. Organizations that fully integrate techno-fusion of business and digital strategies produce synergistic effects and enhance adaptability, innovation and resiliency in the face of competitive challenges.

Additional areas that can be explored further as an extension of this study are listed below: identifying factors to improve the speed of convergence; the current results are limited to large size organizations where formal management and technology functions are distinctive. Similar studies on smaller organizations are warranted.

This study focuses on the evolving field of technology innovation, which is increasingly being intertwined with business operations. Innovative digital technology is enabling the convergence of the disciplines of management, digital devices and applications. This facilitates the creation of a pragmatic framework that supports convergence of business operations, strategic management and digital fusion which leads to value creation and competitive differentiation. The techno-fusion of emerging technologies and digital strategies generates new opportunities and threats, new business models and unique growth strategies for organizations.

Banks in India have started opening their branches in different areas to make sure that their customers get a high-touch experience and they see them as a premier brand. This could be ensured only if the banks show a stable physical presence in the market as well as provide the recent high-tech services to their customers as per the population group. The purpose of this study is to examine the survival rates of the commercial banks in India across the four population groups along with the differences that exist in their survival rates in all the population groups.

The analysis is based on the quarterly data of the number of functioning offices of the commercial banks in India as per the four population groups from March 2006 to December 2019. The survival is estimated using the Kaplan–Meier estimator.

From the analysis, it is revealed that survival of the banks changes as per the population group. In addition to this, it is found that the survival time of each category of the bank varies in each population group.

This study focuses only on the commercial banks of India; a similar research could be done for other categories of Indian banks. Also, the results would have been different if the variables such as the size of the bank, bank risk, etc. are included and studied. Moreover, this study is done using the Kaplan–Meier estimator, i.e. time-to-event. Further, an advance study could be done after considering the financial parameters of banks using the Cox’s regression model, which explores the relationship between various predictors and the time-to-event.

Due to the changes in the preferences of societies, the banks should also adopt different strategies to ensure that their products are understood and accepted by their customers. This will eventually increase the survival rate of the banks.

The work made in this study is completely new.

The purpose of this paper is to appraise the efficiency, effectiveness, and performance of 27 public sector banks (PSBs) operating in India by using a two‐stage performance evaluation model.

Using the cross‐sectional data for the financial year 2006/2007, the technique of data envelopment analysis has been used for computing the efficiency and effectiveness scores for individual PSBs. The overall performance scores have been derived by taking the product of efficiency and effectiveness scores.

The empirical results reveal that high efficiency does not stand for high effectiveness in the Indian PSB industry. A positive and strong correlation between effectiveness and performance measures has been noted. Further, on the efficiency front, State Bank of Travancore appears as an ideal benchmark, while State Bank of Bikaner and Jaipur, and State Bank of Mysore emerge as ideal benchmarks on the effectiveness front.

The practical implication of the research findings is that in their drive to improve overall performance, Indian PSBs should pay more attention to their income‐generating capabilities (i.e. effectiveness) relative to their ability to produce traditional outputs such as advances and investments (i.e. efficiency).

This paper is perhaps the first to evaluate the performance of Indian banks by considering simultaneously the aspects of efficiency and effectiveness.

Bank mobilizes savings and transforms it into credit for investments in various sectors, which helps the economy running. The purpose of this paper is to examine the efficiency of three bank groups in India with data spanning from 2009–2010 to 2018–2019.

The study uses data envelopment analysis for measuring the efficiency of the selected banks. It measures the efficiency both from the revenue dimension and from the supply-side dimension of financial inclusion.

The study finds that foreign banks on average are working efficiently far better than the public-sector and private-sector banks. It indicates that foreign banks in India are operating at 92.53% efficiency level, whereas private- and public-sector banks are operating at 90.20 and 86.04% efficiency levels, respectively. Further, the result of the Friedman test reveals that there is no significant difference in efficiency scores amongst these three bank groups. As major challenges, non-performing assets of the banking industry to be reduced by 15% as radial and 53.18% as slack.

One of the notable innovativeness of this study is that, unlike most of the previous studies that are mostly selected few banks and specific group, the present study may place itself as a unique inquiry in the domain of technical efficiency in macro concept by considering three major bank groups operating in India. An important contribution of the study is the classification of reasons behind the inefficiency, i.e. managerial or inappropriate scale size and further projections of input factors for the same level of output.

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.

The purpose of this paper is to examine how job resources may moderate the relationship of two types of job demands (i.e. challenge and hindrance demands) with employee engagement. It is hypothesized that job resources can buffer the association of job hindrances with employee engagement while job resources may escalate engagement in the condition of challenge demands.

The population of the study is Scale-I officers of Indian public sector banks (PSBs). The sample included 608 Junior Management Grade–Scale I officers employed in Indian PSBs.

Results of the analysis revealed a positive relationship between challenge demands and employee engagement whereas the negative relationship between hindrance demands and employee engagement. Enhancement in the positive conditional effect of challenge demands on employee engagement with the increase in values of the job resources evidenced the boosting role of job resources. Further, condition effect of hindrance demand on employee engagement at different levels of moderator showed that the negative relationship between hindrance demands and employee engagement get weakened with the increase in the level of job resources.

The results highlighted the situations that may foster or thwart engagement of employees. Present findings could be guiding in several ways for designing interventions to enhance employee engagement using job demands and job resources.

This study adds to literature through incorporating challenge–hindrance theorization in propositions of job demands-resources model and by exploring two diverse mechanisms (buffering and boost up) which are elicited after interaction of job resources with challenge and hindrance demands in a diverse way.

This study examines the link of effective change implementation (CIE) with select human resource (HR) practices and employees' resistance to change (RTC) amidst ongoing mergers in Indian public sector banks (PSBs). It also intends to highlight the role of RTC as a mediator in this mechanism.

The authors used a structured questionnaire administered through a survey of employees of select PSBs that have undergone mergers. The hypothesized relationships were tested on 220 responses with structural equation modelling.

Training and communication of change as HR practices were found to have significant effects in implementing change. RTC fully mediated the relationship of training and CIE, and partially mediated the association of communication and CIE. Communication had a stronger influence on RTC than training. This finding upholds the importance of communication but also implies that training can reinforce effective communication of change and may not affect the implementation if not directed towards handling resistance.

The significance of communication as a finding supports the theory of planned behaviour. The authors’ results also align with the social exchange theory and can be extended to the job demands-resources model. PSBs may plan for phase-wise training initiatives starting from the announcement till the end of a merger. PSBs also need to effectively communicate all relevant HR issues to employees, thus being transparent and fair. Both online and offline modes of communication can be explored. Overall, the senior management has to imbibe the handholding of employees in the short term and a sense of empathy in the longer term.

Research on HR in Indian banking mergers seems to take a back seat vis-à-vis strategic issues and financial performance. There also is a limited empirical examination of the role of HR practices in effective change implementation. This paper addresses both these issues by proposing a conceptual model and empirically validating it amidst the merger of PSBs. The authors also highlight how training and communication are effective in handling resistance to change.

The focus on excessive corporate leverage as a key factor influencing bank loan delinquency has come into sharp focus in recent times. However, not much analysis has been undertaken on the factors driving corporate distress in emerging economies. Focusing on India as a case study, the purpose of this paper is to investigate the impact of a particular category of corporate debt restructuring (CDR) proposed by the Indian central bank over the last decade in leading an attempt to address bank loan delinquencies, the authors assess the factors influencing the quantum of restructured debt at the corporate level over the time period 2003–2012.

Besides univariate analysis, the authors use logit regression techniques to analyze the factors driving CDR outcomes in India.

The results suggest that firms that successfully exit the debt restructuring process are more profitable and less levered and spend a longer time in such restructuring. Little net equity enters these restructured firms, while there is some evidence of equity stripping, particularly in firms with greater promoter control.

To the best of our knowledge, this is one of the early studies that employ micro-level data to make a comprehensive assessment of the factors driving CDR for a leading emerging economy.

The aim of this paper is to assess the nature and characteristics of regulatory risk management reporting by private and public sector banks in India.

Using a sample of 38 banks, a content analysis of their Basel II disclosure reports for the year 2012-2013 is examined.

The assessment shows that while the majority of the disclosure across banks focuses on credit risk and capital adequacy ratios, the total quantity of disclosure varies significantly across banks. Of the three broad risk categories (market, credit and operational), operational risk disclosure is the least, with minimal to no disclosure on several key aspects of operational risk, suggesting that operational risk issues are likely to emerge as an area of concern among Indian banks. Further, for the sector as a whole, the authors observe that asset size and net income are positively correlated with the quantity of regulatory disclosure and negatively correlated with the variation of this disclosure, suggesting a possible precautionary behavior on the part of larger and more profitable banks toward excessive scrutiny by the regulators and a regulatory regime in which no institution is too big to fail.

As an exploratory research article to address the characteristics of regulatory disclosure of private and public sector banks in India, it is informative, particularly for those working in the area of banking regulation and compliance. Areas for further research are suggested.