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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

Nov'17

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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Regulatory Capital and Its Impact on Credit Risk: The Case of Indian Commercial Banks
Brexit Effect on the Volatility of Indian Banking Stock Returns: Some Evidence
Comparative Performance Analysis of Nationalized Banks: A CAMEL Model Analysis
Investment Behavior Towards Mutual Fund: Are Demographic Variables Really Significant? – A Study on Bank Employees of Tripura
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Contents
(Nov 2017)

Regulatory Capital and Its Impact on Credit Risk: The Case of Indian Commercial Banks

--Nupur Moni Das and Joyeeta Deb

This paper investigates the association between Capital Adequacy Ratio (CAR) (as set by the Reserve Bank of India in line with Basel Committee on Banking Supervision [BCBS]) and the credit risk of Indian commercial banks. The data for the study is a set of balanced panel of 43 (25 public sector and 18 private sector) banks for the period 1996-2016 which are triangulated from various secondary sources. The dependent variable credit risk is proxied by two measures, viz., Credit-Deposit Ratio (CDR) and Net Non-Performing Assets to Total Advances (NPA_TA). The independent variable is measured by the CAR as prescribed by the Basel norms. Apart from CAR, some bank-specific and macroeconomic variables are also used as predictor variables, namely, profitability, bank size, revenue diversification, liquidity, managerial efficiency, economic growth and inflation. With the help of panel data regression, the study reveals that when CDR is taken as a measure for credit risk, a positive association between CAR and credit risk exists, as against the model when NPA_TA is taken as a measure of credit risk where a negative association is observed. This implies that the regulatory capital positively impacts the quantum of lending operation of the banks as well as the quality of such lending. It is therefore inferred that banks have been undertaking risk set off measures in order to comply with the regulations and sustain a balance between profitability and stability. Moreover, it is observed that the different risk measures used to represent credit risk also have a bearing on the results.

Article Price : Rs.50

Brexit Effect on the Volatility of Indian Banking Stock Returns: Some Evidence

-- E Madhavi

The effect of Brexit was hard on the Indian economy affecting many industries, especially the banking sector. This paper empirically analyzes the effect of Brexit on Nifty index returns and two sectoral bank indices returns (includes both public and private sector banks). The time series data of closing prices of CNX Nifty and two sectoral bank indices were taken for a period of 247 days pre- and post-Brexit. The analysis of the data is based on 493 observations using ARCH and GARCH(1,1) model which is tested on all the three distributions—Normal, Student’s-t and Generalized Error Distribution (GED) and considered normal distribution results in detail. The results of Ljung-Box test indicate absence of serial correlation and results of ARCH(LM) test indicate absence of ARCH effect, though histogram normality test indicates that residuals are not normally distributed. The test results conclude that there is a significant impact due to Brexit on the stock returns of the Indian banking sector.

Article Price : Rs.50

Comparative Performance Analysis of Nationalized Banks: A CAMEL Model Analysis

-- Nancy Bawa

The banking system plays a pivotal role in the economy. Sound financial health of a bank is important for depositors, shareholders, employees and whole economy as well. This paper attempts to evaluate the performance of nationalized banks by using CAMEL parameters during the period 2006-07 to 2015-16. These parameters are capital adequacy, asset quality, management capacity, earnings ability, and liquidity of the financial institutions. Supervisory authorities assign each bank a score on a scale, and a rating of one is considered the best and a rating of five is considered the worst for each factor. The findings of the study reveal that Andhra Bank is ranked first, followed by Indian Bank, Corporation Bank, Syndicate Bank and IDBI.

Article Price : Rs.50

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

--Chittresh Coomer and Smarajit Sen Gupta

This paper presents an empirical study of bank selection criteria used by MBA students of Kolkata and checks for group differences on factor scores on the basis of various demographic and related factors. The study also investigates whether certain personal characteristics can be used to differentiate these segments. A structured questionnaire was prepared for use in the survey and the questions were organized into three sections according to the following topics: bank selection criteria, banking behavior and personal background. The respondents were asked to rate the relative importance of 30 attributes while choosing which bank(s) to patronize. The responses were analyzed with the help of factor analysis. The study found that in their bank selection, the MBA students tend to put more emphasis on the factors which give them quick and convenient access to the bank’s services, cost-effective services and the quality of service, rather than factors related to the marketing promotions and advertisements and peer group and friend’s influence. The study also found significant differences in bank selection factors on the basis of single or multiple bank usage, type of bank, place of residence and gender of users.

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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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