....While SBI and nationalised banks (NBs) constitute public sector banks (PSBs), private banks comprise new and old private sector banks. Amongst these banks, PSBs had a market share of around 80 per cent and private banks 20 per cent as on March 2013. Within PSBs, SBI has the largest market share of 19.1 per cent, and the balance 20 NBs account for 60.6 per cent. The NPBs (new private banks) and OPBs (old private banks) account for 15.8 per cent and 4.5 per cent of the market share respectively. The various categories of banks differ in their ownership structure, business philosophy, geographical presence, customer base, technology adoption, manpower profile and governance practices.....
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