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The IUP Journal of Bank Management

Feb'17
Focus

India’s financial system continues to be stable. However, the stress on the banking sector, particularly the Public Sector Banks (PSB), remains significant. Banks’ performance has been dented due to the economic slowdown coupled with the impact of the regulatory changes and public sector banks lagging behind their private sector peers. There are growing concerns that the Gross Non-Performing Assets (GNPA) ratio of Scheduled Commercial Banks (SCBs) may increase further if macroeconomic conditions deteriorate sharply.

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An Analysis of the Financial Performance of Indian Commercial Banks
Detection of Dissimilarity Among Different Indian Banks: An MDS Approach
The Problem of NPAs: Some Facts Relating to Commercial Banks in India
Investment Behavior Towards Mutual Fund: Are Demographic Variables Really Significant? – A Study on Bank Employees of Tripura
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An Analysis of the Financial Performance of Indian Commercial Banks

-- Krishan Kumar and Kavita

he Indian banking industry is currently facing challenges to implement the capital regulations specified under Basel III norms. In implementing the new capital regulations, the financial stability of banks plays an important role. The banks which are in a sound financial position can easily implement the new regulations, but it is difficult for the financially weaker banks to determine the required capital as per the international norms. Thus, financial analysis has become the need of the hour for the banking sector to identify the financial position. In this context, evaluating the financial health of Indian bank has become compulsory to compete with the environmental changes. In this context, it is quite important to study the solvency position of Indian banks. The present study intends to analyze the financial health of selected Indian commercial banks through the application of Altman Z-score model. It is found that the financial health of the selected banks under study is strong and satisfactory.

Article Price : Rs.50

Detection of Dissimilarity Among Different Indian Banks: An MDS Approach

-- Subhabaha Pal, Kaushik Bhattacharjee and Satyabrata Pal

This paper addresses the aspect of detection of dissimilarity (in terms of 10 performance indicators) existing among major Indian banks. Towards attainment of the goal the well-known Multidimensional Scaling (MDS) approach has been employed. The interesting outcome of the paper is that the MDS technique is capable of discerning the dissimilarity (in relative terms) existing in the overall performance behavior (based on a number of relevant performance parameters) in the case of 37 leading Indian banks during the period 2004-05 to 2013-14 based on data obtained on yearly basis for this purpose. The dynamics of the overall performance behavior over time (year after year) during the above-mentioned period with respect to the parameters studied has been obtained. MDS analysis reveals that the four banks—SBI, ICICI, AXIS and PNB—differ significantly from the other 33 banks in each year in the mentioned period. Thus, MDS approach brings out an important feature related to inter-banks’ differentiating status where a comparison of different banks is performed with the help of several attributes or performance indicators. In the introduction section, an exhaustive and interesting review of the major research works undertaken on the performance of Indian banks (available in literature as surveyed by us) has been presented.

Article Price : Rs.50

The Problem of NPAs: Some Facts Relating to Commercial Banks in India

-- S C Sharma and Bhavna Chhabra

This paper is an attempt to understand the growth of NPA, the reasons behind it and the extent of its spread across sectors. The paper gives an insight into the policy implications which could be governed by banks in order to control the devastation caused by NPA. This paper is divided into four parts: First it explains the macro level analysis among various variables such as GDP, Credit Growth, Gross NPA and GDP. Next, it explains sector-wise analysis and bank group-wise analysis of banking sector. Finally, the mechanism to deal with NPA is discussed.

Article Price : Rs.50

Investment Behavior Towards Mutual Fund: Are Demographic Variables Really Significant? – A Study on Bank Employees of Tripura

-- Sujit Deb and Ranjit Singh

Investor behavior towards mutual fund is an emerging area of behavioral science. There exist behavioral biases in the event of taking investment decision. The investment behavior is influenced by different factors. Hence, in the present study, based on a review of literature, factors influencing the investment behavior were identified. These factors include demographic and socioeconomic variables of the investors. In the present paper, the impact of demographic and socioeconomic variables on the investment behavior of the bank employees in Tripura towards mutual funds is analyzed. Gender, family income and experience have significant impact on risk perception.

Article Price : Rs.50

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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