Law Review

Aug'23


The IUP Journal of Bank Management

ISSN: 2583-5866

A 'peer reviewed' journal indexed on Cabell's Directory,
and also distributed by EBSCO and Proquest Database

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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Credit Risk Management, Technical Efficiency, and Financial Performance of Indian Banking Sector: A Mediation Analysis
50
Understanding the Drivers of E-Banking Adoption for Enhanced Customer Engagement
50
Enhancing Job Satisfaction Through Motivation and Rewards in Afghanistan's Public Sector Banks
50
Contents : (Aug 2023)

Credit Risk Management, Technical Efficiency, and Financial Performance of Indian Banking Sector: A Mediation Analysis
Aparna Bhatia and Megha Mahendru

The study aims to capture the mediating effect of technical efficiency on the relationship between credit risk and financial performance in the Indian banking sector. This paper is based on secondary data extracted from the financial reports of commercial banks operating in India for the year 2021-22. Simple mediation analysis is used to analyze the data. The technique of data envelopment analysis (DEA) was deployed to calculate technical efficiency score. The findings show that credit risk has a negative and significant relationship with both financial performance and technical efficiency when taken alone as an independent variable. Overall, the results show that technical efficiency fully mediates the relationship between credit risk and banks' profitability. The mediating effect suggests that scheduled commercial banks operating in India can achieve both technical efficiency and good financial performance through vigilant supervision of credit risk. With specific reference to India, such empirical work showing the mediating effect of technical efficiency on financial performance and credit risk has not been taken up before. The findings of the study are expected to provide a better understanding of the role of managing nonperforming assets in determining technical efficiency and financial performance.


© 2023 IUP. All Rights Reserved.

Article Price : Rs.50

Understanding the Drivers of E-Banking Adoption for Enhanced Customer Engagement
Supreet Sandhu

Financial technology (fintech) has seen significant growth and development in recent years. In the banking sector, understanding the interaction between customers and technology is critical for effective implementation of e-banking services. Given its low usage, the present study intends to investigate the factors important for enhancing e-banking services. Differences in the perceptions of two groups of customers-heavy users and light users of e-banking services-are also examined. The study employed survey method to collect data from bank customers in India. The results of discriminant analysis showed that only 'performance expectancy', 'information content', and 'self-interest' are significant differentiators of heavy and light users of e-banking services. The findings reveal that factors for initial adoption or behavioral intentions are different from continual use post adoption of e-banking services. So, the banks, while formulating strategies and restructuring their operations, should focus more on performance, information, and entertainment to elicit more users and their usage. These factors would enhance customer engagement in e-banking, increase its usage and earn returns to banks. Policymakers can also design their economic programs and channelize public resources accordingly to achieve a cashless economy.


© 2023 IUP. All Rights Reserved.

Article Price : Rs.50

Enhancing Job Satisfaction Through Motivation and Rewards in Afghanistan's Public Sector Banks
Abozar Andaraby and Abbokar Siddiq

The study examines the impact of motivation and rewards on job satisfaction in Afghanistan's public sector banks. The study employs quantitative research methodology, using a sample of Afghanistan's public sector bank employees and assistant managers. The data is collected using a self-administered questionnaire and analyzed using descriptive and inferential statistics such as correlation analysis. The results reveal that there is a strong correlation between basic pay, performance-based incentives, personal growth, learning at the workplace and employee job satisfaction. This finding underscores the substantial influence of the above factors on job satisfaction, and supports the hypothesis that there is a positive relationship between both extrinsic and intrinsic rewards and employees' job performance. Further, the study highlights the interconnected nature of these reward types in shaping employee job satisfaction and performance.


© 2023 IUP. All Rights Reserved.

Article Price : Rs.50