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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

Aug'16

Previous Issues

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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Benchmarking with a Dynamic DEA Model: Evidence from Indian Banking Sector
Geographic Diversification in Indian Banking: Assessing the Impact on Risk and Returns
The Performance of Regional Rural Banks and Non-Banking Institutions in Priority Sector Lending: A Study on West Bengal
The Impact of Acquisition of an Insurance Company on Bank’s Financial Performance: A Study on the Acquisition of Metlife India Insurance Co. Ltd. by Punjab National Bank
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Contents
(August 2016)

Benchmarking with a Dynamic DEA Model: Evidence from Indian Banking Sector

-- Ram Pratap Sinha

There was a paradigm shift in the competition scenario of the Indian commercial banking sector as a consequence of the initiation of banking sector reforms and opening up of the banking sector to the foreign participants in a gradual fashion. The present paper benchmarks the performance of public sector, private sector and foreign banks operating in India for the period 2006-07 to 2010-11 through a ‘Dynamic Slacks-Based DEA Model’. The study also computes factor efficiency indicator for the output and link variables.

Article Price : Rs.50

Geographic Diversification in Indian Banking: Assessing the Impact on Risk and Returns

-- Joyeeta Deb and Gautam Sen

Indian banking sector has undergone sea changes over the years. Much of these changes are the consequences of irreversible process of liberalization, globalization and privatization. Banks in India, to a large extent, have become functionally dynamic and operationally efficient. One of the important developments one can witness in the sector is the growing scale of geographical and revenue diversification over the years. Geographical diversification is expected to bring positive results by way of reduced risks and increased returns for the Indian banks. Against the backdrop of existing literature which renders diverse views about the diversification benefits, the present study examines the manner and the extent to which banks are geographically diversified in the case of both public and private sector banks and analyzes its impact on the performance measured in terms of returns. The study uses a panel dataset of 40 observations for the period 1994-2014. In order to examine the impact of geographical diversification on bank’s risk and returns, a Least Square Dummy Variable (LSDV) regression model is used. The results indicate that public sector banks are more diversified than private sector banks and the geographical diversification has a negative impact on the returns of the banks.

Article Price : Rs.50

The Performance of Regional Rural Banks and Non-Banking Institutions in Priority Sector Lending: A Study on West Bengal

-- Mahua Bhattacharya and Paromita Dutta

This paper addresses two main questions: Are the Regional Rural Banks (RRBs) and non-banking institutions of West Bengal performing well in the remotest part of rural areas? If so, how pervasive are they in priority sector lending? To address these questions, a study was undertaken by selecting a sample of 125 respondents from different remotest rural areas of West Bengal and the responses collected for each of the five different priority sectors, viz., agriculture, micro and small-scale enterprises, education, housing and others (includes Self-Help Groups (SHGs), joint liability groups, other backward classes, women, etc.), were analyzed. The study involved a two-step empirical procedure: exploratory factor analysis and Structural Equation Modeling (SEM). The findings of this study provide that apart from ‘others’ sector, none of the remaining priority sectors gives a positive indication about the effect of the performance of RRBs and non-banking institutions in priority sector lending. Due to the rising cost of Non-Performing Assets (NPAs), in the near future, operations of RRBs can only be improved if they are merged with sponsor banks or by going through the privatization route.

Article Price : Rs.50

The Impact of Acquisition of an Insurance Company on Bank’s Financial Performance: A Study on the Acquisition of Metlife India Insurance Co. Ltd. by Punjab National Bank

-- N M Leepsa and Ranjit Singh

This paper examines the impact of acquisition of an insurance company on a bank’s financial performance in the light of the acquisition of Metlife India Insurance Co. Ltd. by Punjab National Bank (PNB). The paper aims to study (a) whether positive or negative cumulative excess returns have accrued to PNB shareholders during the acquisition announcement; (b) whether there is any improvement in the financial and operating performance of PNB because of acquiring an insurance company; and (c) what are the reasons for the improvement or deterioration in the performance of the banking and insurance firms that opt for M&A. The present study uses CAMEL model and regression analysis for analyzing the three-year average performance before and after the bancassurance for the period of study, i.e., 2008 to 2014. The results reveal that in the short run, the indifferent behavior shown by the stock market is the cause of concern for the bank. The bank should take appropriate measures to disseminate the information with respect to its acquisition of an insurance company to its investors. But in the long run, the impact of acquisition of an insurance company is felt on the bank’s financial and operating performances.

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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