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The IUP Journal of Bank Management
ISSN: 0972-6918
A ‘peer reviewed’ journal indexed on Cabell’s Directory,
and also distributed by EBSCO and Proquest Database

Feb'18

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The IUP Journal of Bank Management is a quarterly journal that focuses on risk management, forex markets, retail banking, HRD and leadership, banking, supervision, convergence of financial services and E-Banking.

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The Effect of Liquidity Management on Profitability: A Comparative Analysis of Public and Private Sector Banks in India
Asset-Liability Management as a Risk Management Tool in Commercial Banks in India
The Effect of Financial Risk Tolerance on Adoption of Mobile Banking in India: A Study of Mobile Banking Users
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Contents
(Feb 2018)

The Effect of Liquidity Management on Profitability: A Comparative Analysis of Public and Private Sector Banks in India

--Birajit Mohanty and Shweta Mehrotra

This paper makes an attempt to study the effect of liquidity management on the profitability of public and private sector banks in India. For this purpose, 27 public sector banks and 20 private sector banks have been considered for the periods 2011-12 and 2015-16. Cash-Deposit Ratio (CDR), Credit-Deposit Ratio (CRDR) and Investment-Deposit Ratio (IDR) have been used as independent variables to denote the liquidity management of the banks, while Return on Assets (ROA) and Return on Equity (ROE) have been used as proxy variables for the profitability of the banks. It is found that there is a significant negative effect of CDR and IDR on ROA. However, in the case of ROE, it is found that there is no significant relationship between banks’ profitability and liquidity taking all the variables into consideration, irrespective of the type or form of commercial banks in India. This leads to the conclusion that the commercial banks can focus on increasing their profitability without affecting their liquidity and vice versa.

Article Price : Rs.50

Asset-Liability Management as a Risk Management Tool in Commercial Banks in India

-- G Suresh and P Arun Krishnan

Amidst increased volatility in the domestic financial market as well as foreign market and increased competition among the commercial banks, Asset-Liability Management (ALM) has emerged as an important tool. The liberalized credit policy of the Indian financial market has brought pressure on the management of banks to maintain liquidity, profitability and long-term viability. In the recent years, the increased competition among banks has made it necessary to take up strategic planning as a practice of ALM to survive and grow in this competitive and risky environment. The present paper studies how ALM is used as a tool for managing liquidity risk using RBI-prescribed Gap model in four banks, namely, HDFC Bank, ICICI Bank, Punjab National Bank and State Bank of India.

Article Price : Rs.50

The Effect of Financial Risk Tolerance on Adoption of Mobile Banking in India: A Study of Mobile Banking Users

-- Alok Bansal and Prerna Bagadia

The use of technology has changed the way people communicate and interact with each other within their social circle. This has created opportunities for financial services companies to meet customer expectations through various alternative channels. Mobile banking is one of the channels which offers various multiple services to the customers in order to bypass the traditional branch-based retail banking. However, sharing personal financial information and payment information through mobile banking proves an obvious risk to the consumer. The amount of financial risk associated with the individuals varies from person to person as per their tolerance level. The aim of the present paper is to assess the effect of different levels of Financial Risk Tolerance (FRT) on adoption of mobile banking in India. The paper identifies the FRT levels of mobile banking users of India and then studies the effect of different levels of FRT (high, moderate, low) of users on adoption of mobile banking services. The findings of the paper are of help to the financial marketers to develop and offer various realistic options to the adopters as per their FRT levels.

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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