Comparision of Private Banks

Parameter Private Banks Public Sector Banks

Prudential norms Fulfilled Whimsical
Age of Bank Less than 20 Years More than 50 years
Markety Image Good Bad
Branch Ambiance Good Good in General
Deposit Rate High Low
Advance rate High Low
Retail advances Interest Rate Low High
Spread /profit margin Less More
Government Deposit Less More
Bulk Deposit Less More
Corruption Less More
Yes man to Ministers Less More
NPA Less More
Flattery Less More
Expenses onBoss Less More
Restructuring Advance Less More
Inaugurational Exp. Less More
Gifting to Boss Less More
Executive Wealth Less More
Manipulation Less More
Write off of NPA Less More
Compromise Settlement Less More
Hide NPA Less More
Window Dressing Less More
Inter state Transfer Less More
Remote Transfer Less More
Whimsical Transfer Less More
Branches Number Less More
Total employees per bank More Less
Staff per Branch More Less
Deposit Growth More Less
Advances Growth More Less
Retail asset growth More Less
Outsourcing More Less
Advertising expenses More Less
Salary More Less
Services Charges More Less
Yearly Growth More Less
Monitoring of Advances More Less
Share Value /PE More Less
CASA deposit More Less
Retaul Contribution More Less
Profit and Profitability More Less
Incentive to Staff More Less
Promotion Performer Flatterer
Exploitation of Staff Yes but Happy Yes but Unhappy