May'19


The IUP Journal of Bank Management

ISSN: 0972-6918

UGC Approved Journal @ Sl.No: 49086

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

It is a quarterly journal that focuses on Risk management, Forex markets, Retail banking, Banking-supervision and Regulatory mechanisms, Convergence of financial services and E-Banking, HRM banking, ICT in rendering banking solutions, Blockchain and Cyber security.

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The Impact of Demonetization on Electronic Fund Transfers
50
E-Banking or Branch Banking? Preference of Senior Citizens in Kerala
50
What Determines the Size of Bank Nifty?
50
Does Gender Diversity of Boards Affect Performance? Evidence from Indian Banking Sector
50
Does Bancassurance Improve the Efficiency of Banks? Evidence from Indian Banks
50
     
Contents : (May 2019)

The Impact of Demonetization on Electronic Fund Transfers
Mamta Hindocha and Jayesh K Pandya

Demonetization has been a remarkable move in the history of the Indian economy. The latest round of demonetization, in 2016, has undoubtedly affected the common public and bankers in the short run as well as the economy at large. The mode of transactions has also been significantly affected. The people at large have shifted from traditional pattern of cash transactions to e-transactions. Considering this, the paper aims to examine the impact of demonetization on electronic fund transfers, which is an important part of digital economy and a significant contributor to the development of the nation. The results reveal that demonetization has a significant positive impact on e-transactions, specifically on RTGS and NEFT, in terms of volume and value of transactions. Mobile banking transactions also increased in volume and value significantly in the post-demonetization period. Thus, it is concluded that demonetization has successfully enhanced e-transactions in Indian economy. The government objective of cashless economy was to a great extent fulfilled.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

E-Banking or Branch Banking? Preference of Senior Citizens in Kerala
Ambili Jayachandran

E-banking has made lives easier not only for banks, but also for customers. In spite of the various advantages of e-banking, the acceptance level of the same among the senior citizens in Kerala seems to be stumpy relative to branch banking. Kerala's banking customers, especially the senior citizens, have not yet adopted many of the e-banking services. The study tries to find out the type of banking-branch banking or e-banking-that is most preferred by customers belonging to the 50-plus age group category and the reasons for such preference. Survey method is used for the study and a sample of 400 banking customers belonging to "50-plus" age group is chosen through convenience sampling. The study relies on both primary and secondary data. Branch banking is found to be the most approachable form of banking across all age groups since it offers personalized dealings. The only e-banking service that they prefer is ATM for withdrawing cash.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

What Determines the Size of Bank Nifty?
Rajveer S Rawlin, Savitha Rani Ramachandran and Ramaswamy Shanmugham

Banking stocks have been rebounding of late despite the lingering asset quality issues that have been plaguing the banking sector over the past few years. The bank Nifty index is the key index that tracks the performance of the largest bank stocks in India. Understanding the key drivers of bank size of this index would throw light on the performance of the banking sector at large. This paper studied the influence of key internal determinants on the size of bank Nifty components over a 10-year period from 2009 to 2018. The measure of bank size chosen was the logarithm of stock market capitalization. The internal determinants chosen for the study comprised a key profitability measure, the return on assets; a key lending measure, the credit/deposit ratio; income measures that include interest income/average working funds and non-interest income/ average working funds; a key productivity measure, business per employee; a key asset quality measure, the logarithm of percentage net non-performing asset; and a measure of capital adequacy, the capital adequacy ratio. Lending, profitability, capital adequacy and income measures proved to be the important drivers of size of bank Nifty components. Stakeholders of banks should focus on these determinants as they seek to understand the rapidly evolving Indian banking landscape.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

Does Gender Diversity of Boards Affect Performance? Evidence from Indian Banking Sector
Rekha Handa

The lack of women directors in the upper rungs of the corporate has been a cause for concern for the social reformers, policy makers and stakeholders. The ever sensitive issue of gender diversity has been revisited in the Indian context in the special case of banking sector. The paper investigates the impact of women directors on the Indian banks' performance using Return on Assets (ROA) as a measure of performance. Using panel data analysis for 36 scheduled banks operating in India over a span of four years, the paper investigates the effect of women directors on bank's performance. The results highlight a strong statistical negative association between female directorship and performance measured through ROA, which defies the theories of ethics and economics. The results, though pave way for further investigations, undoubtedly establish women as important influencers of performance of banks.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

Does Bancassurance Improve the Efficiency of Banks? Evidence from Indian Banks
Suman Rani and Meena Sharma

This paper examines whether insurance business helps in improving the efficiency of the banking sector. The previous literature had shown contradictory results regarding the impact of diversification on banks' performance. On the one hand, past studies argued that banks engaging in a variety of insurance selling activities can benefit from economies of scope, ultimately improving both their performance and market value. On the other hand, diversification could lead to the escalation of agency problems existing between corporate insiders and small shareholders, which would ultimately destroy the value of the firm within the market. This study examined the impact of bancassurance on the efficiency of public sector banks and private sector banks in India for the period 2011-2017. Data Envelopment Analysis (DEA) was used to measure the impact of bancassurance on all public sector and private sector banks in India. The results revealed that bancassurance made an impact on the efficiency of the banking sector. An average deviation of 7.28% has been observed between the overall technical efficiency scores without bancassurance income and with bancassurance income. The observed difference supports the positive impact of bancassurance on technical efficiency of the Indian banking sector.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

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