232

Bibliography

233

Aggarwal, Mohan, “Raising productivity in a service organization: the role of pace and consumer participation,” Paradigm, Vol.I, No.2, Jan.1998. Aggarwal, R.C., “Industrial Sickness and its effects on Banks Profitability,” Indian Banking Today and Tomorrow, Sept. 1986. Albert, Geroge, “Missing the recession narrowly,” Business Standard Banking, Annual, Nov. 1998. Albert, George, “State Bank of Mauritius comes out tops,” Business Standard Banking, Annual, Nov. 1998. Al-Saleem, J.A., “A comparison between the performance of GCC banksand western banks”, Asian Economic Review, p. 291. Amandeep, “Profits and Profitability of Indian Nationalized Banks” 1991. (A Thesis submitted to UBS, PU, Chandigarh). Ananthaswami, B.N., “An Analysis of the Comparative Performance of Different Bank Group,” The Journal of the Indian Institute of Bankers (Special feature). Angadi, V.V. and Devraj, V.J., “Profitability and Productivity of Banks in India,” Economic and Political weekly, Nov.26, 1983. “Are Indian Banks ready for CAC?,” Analyst. February 1998, p.28. Arunachalam, Dr P & Shankar, Narayan, Dr K.C., “Liberalization and Inflation in India,” Yojana, Nov. 1998.

234

Arya P.P. Tandon B.B., Economic Reforms in India, (2003), Deep and Deep Publications, New Delhi. Athma, Prasantha, “Performance of Public Sector Commercial Bank – A Case Study of State Bank of Hyderabad,” abstract of doctoral dissertation, Finance India, March 2000. Bajwa,K.S., “Stepping Up Productivity in Banks,” Financial Express, June 15, 1983, p.5. Balasubramaniam, Chitra,” Customer is King – The new age Banking Mantra,” Business, July 29, 2002. Banargee, Prasantha, “Trends and Monitoring of Profitability in the Banking Sector.” Bandyopadhyay, Tamal, “The politics of NPA,” FE Select, The Financial Express, Nov. 1998. “Banking Industry going through a period of intense change,” Monthly Commentary, Sept. 1998. “Banks and FIs are Backbone of Indian Economy,” Monthly Commentary, Aug. 1999. “Banks – Backbone of Indian Economy,” Monthly Commentary, June 2000. Baslas, Deepti and Bansal, Dr. Anand, “Banking Sector Reforms: Towards a New Face of Indian Banking,” Management Accountant, May 2001. Berger, A.N., W.C. Hunter and S.G. Time, “The Efficiency of Financial Institutions: a Review and Preview of Research. Past, Present and Future.” Journal of Banking and Finance, pp. 221-249.

235

Bhai, Neeraj B., “Budgeting for E-Banking,” Chartered Financial Analyst, March 2003. Bhalla V.K., “Restructuring Indian Financial System,” Chartered Secretary, Nov. 1997. Bhanot, S.P., “Profitability of Banks,” Indian Banking Today and Tomorrow, Aug. 1988. Bhasin, T.M., “Technology implementation and HRD initiatives in public sector banks in India.” Proceeding of Bank Economists Conference 2002, pp. 248-259. Bhati, B.S., Management of Productivity in Indian Industries, Deep and Deep Publications, New Delhi, 1998. Bhatia, Savieeta, Verma, Satish, “Factors Determining Profitability of PSBs in India-An Application of multiple regression model,” Prajnan, Vol.XXVII, No.4, 1998-99, NIBM, Pune. Bhujbal, Subhash B., “Bank Profitability note worth the candle,” Indian Banking Today and Tomorrow, Feb. 1991. “Big Banks – The trail of Mega Banks,” The Economist, October 31st 1998. p.24. Bilgramy Dr .S.A.R., Growth of PSBs-A Regional Growth Analysis (1982), Deep & Deep Publications, New Delhi. Chakravarty, Manash, “The Cloud behind the Silver Lining,” FE Select, The Financial Express, Nov. 1998. Chander, Subhash “Productivity in Banking Industry,” The Chartered Accountant, Sep. 1987, pp. 165-168. “Changing face of Indian Banking”, Fortune India., Feb. 15, 2003.

236

Chansarkar, Dr. A.R., “Market Share of PSBs in post freeform period”, SBI Monthly Review, Oct. 1999. Chari, P.S.V. and Narasimhan, P.S. “Time to revamp banking system”, The Hindu, December 22, 1999. Chawla, A.S. & Uppal, K.K., Malhotra, Keshav, Indian Banking towards 21st Century, Deep & Deep Publications, New Delhi. Chelliah, Raja J., “Financial and Fiscal Reforms in Asian Countries,” Asian Development Review. Cheria G. “Expanding the Horizons,” The Financial Express, November 1998. p.20. Chidambaram, R.M., “Total Quality Management in Bank’s Lending”, Indian Banking Today and Tomorrow, June 1996, p.4. Chopra Kiran, Managing Profits, Profitability and Productivity in Public Sector Banking, ABS Publications, Jalandhar, 1987. Choudhary, C.M., Dynamics of Indian Banking, Print Well, Jaipur. Choudhary, Y.L., Challenges and Strategies of the Banking Sector in the new Millennium, Deep & Deep Publication, New Delhi. Dasgupta, Dvajyoti, “Profitability of Indian Public Sector Banks in the light of liberalization of Indian Economy – An overview,” The Management Accountant, Sept. 2001. Desai, Chandrasinji J., “Analyzing Productivity in Banking: Concept and Methodology,” Prajnan, July-Sept.1983, pp. 185-193. Desai, Divyesh and Manel, Namita, “Collaring the Crisis,” Business India, Jan.11-24, 1999.

237

Desai, Vasant, Indian Banking Nature and Problems, (1997), Himalaya Publishing House. Desai, Vasant, Principles of Bank Management, (1991) Himalaya Publishing House. Deshmukh, M., “Human Resource Management: Need for a Pragmatic Approach,” Proceedings of the Bank Economists Conference, 2002, pp.248-316. “Destroying Public Sector Banks, Mandirwallah Style,” People’s Democracy, Vol.XXV, No.24, June 17, 2001. Devaranjan, P., “Last Chance for Weak Banks,” The Hindu, July 18, 2000. Dey, P.K., “Public Sector Banks Set the Trends”, Business Standard Magazine, Banking Annual Dec. 1997. Dutt, Ruddar and Sundaram, K.P.M., Indian Economy, Sultan Chand and Company, New Delhi. “Easier said than done,” The Economist, March 13, 1999. “Financial Reforms – Paving the way for growth and democracy,” Economic Reforms Today, No.1, 1995. “Financial Sector Reforms,” Chartered Financial Analyst, September 1998, p.42. Gadkire, R.G., “Corporate Governance – Applicability in the Context of Public Sector Banks,” IBA Bulletin, Dec. 1999. Ghosh, D.N., “Business of Commercial Banking in the Context of Emerging National Priorities,” State Bank of India Monthly Review, March 1989, pp. 123-129.

238

Ghosh, D.N., “Commercial Banking : Lesson from Indian Experience,” State Bank of India Monthly Review, Nov. 1988, pp. 531-542. Gibson, Robert, “Financial Sector Reforms – Imperatives for Competitiveness,” Productivity, Vol.40, No.I, April-June, 1999. Godse, V.T., “Productivity in Banks – Concept and Measurements,” Papers presented at Bank Economists Meet, Madras, 1984, p. 298. Godse, V.Y., “Centralized Database : Concept and Relevance,” IBA Bulletin, Dec. 2002. Government of India (1998), Report of the Committee on Banking Sector Reforms. Govindarajan, V. and Ramamurthy B., “Management Control in Banks,” Indian Banking Today and Tomorrow, Sept. 1981, pp. 14-17. Gujarat, N.S., “Retail Banking in the Changing Scenario,” Proceedings of the Bank Economist Conference, pp. 94-98. Gupta, A., “The Malaise in Public Sector Banking : Faulty Piggy Banks,” Business Today, May 21, 2001. Gupta, D.G., “Bank Reforms Pose Many Challenges,” Indian Banking Today and Tomorrow,” Feb. 1994. Gupta, Manika, “Banks go all out to buy customers,” The Financial Express, October 14, 2001. Gupta, Raj Sen, “Challenges to Indian Banks,” The Economic Times, Oct.1, 1987. Gupta, S.C., “Risk – The New Strategic Imperative in Financial Management,” Proceedings of the Bank Economist Conference, pp.100-101.

239

Gupta, S.P., Statistical Methods (2000), S. Chand and Sons, New Delhi. Gupta, Vinay, “Customer Services made Simple,” Chartered Financial Analyst, March 2003. Haldipur, Rajesh, “The New Face of Retail Banking,” Indian Management, November 1998. Hanson, James A, “Indian Banking : Market Liberalization and the Pressures for Institutional and Market Framework Reform,” Working Paper No.104, Center for Research on Economic Development and Policy Reform. Henry, D., Productivity is Key to Outsourcing. Alltel information services. Herbert, H., Productivity in Service Organization for People.” McGraw Hill & Company, NY “How to say Japan’s Banks,” The Economist, Oct. 31, 1998. “Indian Banking-Hybrid,” The Economist, Sept.25, 1999. “Indian Banking – Competing for the Future,” Analyst, ICFAI, June 1997. J., Raja,, “Banking Industry – SWOT Analysis,” The Management Accountant, May 2001, pp. 365-66. Jadhav, N. (1996), Challenges to Indian Banking, MacMillan India Ltd., Delhi Chapter – 32, pp. 279. Jain, T.R., “Reforms and Indian Banking Structure,” Banking and Foreign Trade Management (2003), V.K. Publications Ambala City.

240

Jalan, Dr Bimal, “Banking and Finance in the New Millennium”, PNB Monthly Review, Jan.2001. Jalan, Dr. Bimal, “Towards the more Vibrant Banking System,” Yojana, March, 1999. Jalan, Dr. Bimal, “Indian Banking and Finance : Managing New Challenges,” Chartered Secretary, March 2002. Janakai, J., “Impact of Liberalization on Banking,” Banking in the new Millennium, Deep & Deep Publication, New Delhi. Jaykar, Roshni, “Growth of Indian Banking,” Business Today, January 2002. Jha, Dr Bishwambhar, “Product Strategy for Banking Sector post liberalization effect,” The Management Accountant, July 2000. Joshi, N.C., Indian Banking (1978), Ashish Publishing House, New Delhi. Joshi, P.N., “Evaluation of Performance of Commercial Banks,” Financial Express, Oct. 12, 1987. Joshi, Sharad, “NPAs and Empty Threats,” The Hindu, July 19, 2000. Joshi, V.S. and Joshi V.V., “Managing Indian Banks : The Challenges Ahead,” 1998, Response Books, New Delhi. K., Shakariah, “Customer Awareness and References in Banking Services,” The Management Accountant, March 1999, pp. 190-192. Kamesham, V., “Re-Engineering Operation in Banking System,” Proceedings of the Bank Economist Conference, pp. 28-31. Kamesham, V., “Slow Recognition of Value,” The Hindu Survey of Indian Industry, 2003.

241

Kameswary, T.R., “E-Banking Software : Capitalizing the Advantage,” Chartered Financial Analyst, March 2003. Kanan, K., “Indian Banking in the New Millennium,” Chartered Financial Analyst, June 1999. Karkal, G.L., “Profit and Profitability of Banking,” Prajnan, Jan-March, 1982, pp.19-45. Kashyap, Kapil, “The best banks and the worst,” Business Today, Nov.7, 1998. Kaul, R., “Beyond VRS: Towards Strategic Human Resource Management.” Proceeding of the Bank Economist Conference, pp. 305-309. Kaura, Mohinder N., “Restructuring of Banks : An Evaluation of Key Issue in Implementation”, ASCI Journal of Management, V. No.24. No.II, March 1995. Khusro, A.M. Keynote Address, BEM, 1986, p. 1.19. Kopleman, Richard E., Managing Productivity Organizations. McGraw Hill Book Company, New Delhi, 1986, p.3. Kaushik, Sanjaya, “Social Objectives and Profitability of Indian Banks,” (1995). (A Thesis submitted to UBS, PU, Chandigarh) Kaveri, V.S., “Credit Management in the Banks : Issues and Suggestions,” ASCI Journal of Management, Vol.24 No.I, Sept.1994. Kohli, S.S., “Knowledge Economy and the Role of CAs,” PNB Monthly Review, Jan.2001. Kothari, C.R., Social Banking and Profitability, Arihant Publishers, Jaipur, 1991.

242

Krishna, Dr. R.R., “Profitability Analysis : An Overview,” Indian Banking Today and Tomorrow, Sept. 1996. Krishnakumar, Mrs. D., “Impact of Liberalization on Banking,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Krishnan, M.A., “A Saga of bold initiatives,” The Hindu Survey of Indian Industry, 2003. Kulkarni, H.V., “Bank Profitability – Causes of Recent Fall,” The Economic Times, March 7, 1983. Kulkarni, L.G., “Development Responsibility and Profitability of Banks,” Economic and Political Weekly, Aug.25, 1979, pp. M 99 to M 100. Kunal, Tela, “Indian Banks : The Retail Shift,” Chartered Financial Analyst, June 2003. Lal, M.V., Development Banks, 1990, Criterion Publications, New Delhi. Leelathar, V., “Branch Banking – Its Future in India”, Proceedings of the Bank Economist Conference, pp.74-81. Malahotra, Meenakshi, “Bank and Capital Adequacy Ratio Implication for Indian Economy,” The Management Accountant, Oct.1999, pp. 752-54. Malahotra, Meenakshi, “Banking Sector Reforms – Experience of PSBs,” Abhigyan, Vol.XVII, No.II. Malhotra, Meenakshi, “Impact of Financial Liberalization on Economic Growth,” Finance India, Vol.XII, No.2, June 1998.

243

Mathur, O.P., Public Sector Banks in India – A Case Study of State Bank, Sterling Publishers Private Ltd., New Delhi, 1978. “Mega Banks : Multinational Banks may pose stiff competition”, Monthly Commentary, Oct. 1996. Mishra, Dr K.C., “Emerging Paradigm,” Analyst, ICFAI, Now.1999. Mnakidy, Jacob, “Industrial relations in Indian Banking Industry”, in Challenge of Change : IR in Indian Industry, edited by C.S. Venkataraman and Verma, 1997. Mohan, R., “Transforming Indian Banking: in Such of a Better Tomorrow,” Proceeding of the Bank Economist Conference, pp. 33-40. Mohiadeen, P.M.M., “Managing Global Competitiveness – What NBFCs must do?,” Banking in the new Millennium, Deep & Deep Publication, New Delhi. Murali, S., “Indian Banking Industry – A paradigm shift,” The Management Accountant, May 2001. Murty, G.R.K., “Training in the Indian Banking Sector,” HRM Review, Sept.2002. Nag, Aniraban, “PSBs : Facing the Millennium Challenge and More,” The Financial Express. December 1999, p.10. Nag, Arban, “Between size and a focus,” The Financial Express, November 1998, p.16. Nag, Mohan, U., “The imminent Squeeze.” Analyst, February 1998. p.40. Nagpal, K.G.S., “Profitability of Banks: A Rainbow on the Horizon,” Indian Banking Today and Tomorrow, Sept.1985

244

Nair, M.K.C., “E-Banking Growing Big,” Chartered Financial Analyst, March 2003. Nair, V.M.R., “Issues Relating to Productivity in Banking Industry,” The Journal of the Indian Institute of Bankers (special feature). Nambirajan, R., “Performance of Public Sector Banks after reforms with special reference to NPAs,” PNB Monthly Review Oct.2000. Narasimhamn, M., “Financial Sector Reforms,” Chartered Secretary, July 1993. Narasimham, M., “Globalization of financial Markets and India,” ASCI Journal of Management, Vol.XIX, No.1, Sept.1989. Narasimhman, R., “Cash Management in Banks – Problems and Prospective,” State Bank of India Monthly Review, Feb.1989, pp. 73-90. Narasimhman, R., “Efficiency, Productivity and Customer Service in Banks,” State Bank of India Monthly Review, Feb.1989. Narasimhan, R., “Public Sector Banks in a Pressure Cooker,” The Hindu, March 29, 2000. Narayan, Janadhyala, “Globalization : Some Strategic Implications”, ASCI Journal of Management,” Vol.24, No.2, March 1995. Navaneethan, A.D., “Recent Trends in Indian Banking,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Nemivant, R.T., “Turnaround in Banking Performance,” Chartered Financial Analyst, Aug. 1998. Ojha, J., “Productivity and Profitability of Public Sector Banks in India : An International Comparison,” State Bank of India Monthly Review, July, 1987, pp. 333-348.

245

Oster, A., and Antioch. L., “Measuring Productivity in the Australian Banking Sector.” Submission to the National Australia Bank, pp. 201-212. Padhy, Dr. K.C., “TQM in banks,” Indian Banking Today and Tomorrow, Oct.,1996. Padmakumar, K.P., “Old Private Sector Banks : Relevance in New Milieu,” The Hindu Survey of Indian Industry, 2003. Padmanabhan, B.S., “Revamping the Banking Sector,” Yojana, July 1998. Prasad, Amitand Dhawade, Samata, “Scripting a 6 Point Survival Gude,” Business Standard, Banking Annual, Dec.1999. Prasad, Bandiram, “Banking Reforms Moving at a Snail’s Pace,” The Economic Times, January 9, 2002. “Profitability of Banks: A Study Conducted by CRISIL,” 2002. Puri, L., “Re-Orienting Structure,” Proceedings of the Bank Economist Conference, pp. 105-109. Purwar, A.K., “SBI : Yesterday, Today and Tomorrow,” Gurukul, June 2003. Radhakrishnan, P.G., “Profitability of Commercial Banks,” Indian Banking Today and Tomorrow, Feb.1981. pp.10-11. Raghavan, R.S., “Banking : Innovation for Viability,” The Hindu Survey of Indian Industry, 2003. Raghunathan, V., “Universal Banking : Possibilities and Pitfalls,” The Hindu Survey of Indian Industry 2003.

246

Rajagopal, J., “Indian Banking : Time for a Renewal,” Business Today, Nov.7, 1998. Raje, Pradeep, “Banking will never be the same again,” Business Standard Banking Annual, Dec.1999. Raje, Pradeep and Kadam, Kishore, “The Three Cs of Success.” Business Standard, Banking Annual, Dec.1999. Rajeshwar, C., “Banking Sector Reforms – Shackled liberation,” Chartered Financial Analyst, June 1998. Ramamoorthy, K.R., “Profitability and Productivity in Indian Banking,” Chartered Financial Analyst, February 1998, p.53. Ramesha, Dr K., “Banking Expectations and Bank Selection,” IBA Bulletin, Sept. 1999. Rangarajan, C, “Banking and Profitability,” Dynamcis of Indian Banking, Deep & Deep Publication, New Delhi. Rangarajan, C., “Financial Liberalisation and Reforms,” Chartered Secretary, July 1993. Rangarajan, C., “Imperatives of Banking in India,” Indian Banking Today and Tomorrow, Oct.1994. Rangarajan, C., Indian Economy : Essays on Money and Finance. Rangarajan, C., “Indian Financial System : Current Issues, Future Challenges,” Challenges to Indian Banking, p.5. Rao, C.B., “Productivity and Competitiveness : A Model for Developing Economics,” ASCI Journal of Management, Vol.23, No.2, March, 1994.

247

Rao, Jerry, “Are Brick and Mortar banks outdated?”, FE Select, The Financial Express, Dec. 1999. Rao, K.N., “NPAs : Ground Realities,” Chartered Financial Analyst, April 2000. Rao, K.S., Public Sector Banks in India and Productivity Question, Ashish Publication House. Rao, P. Dinkar, “Business Process Re-engineering,” IBA Bulletin, April, 2003. Rao, Rohit, “Collaring the Crisis,” Business India, Jan. 11-24, 1999. Rao, S. and Balachandran, K., “Methodology for Pricing of Multiple Banking Products,” Proceedings of the Bank Economist Conference, pp. 204-209. Ravi K., “Rationalizing Bank Branches – Some Issues,” IBA Bulletin 2002. Ravi, K. and Gopal, K.S., “Risk Adjusted Performance Measure in Banks : Concepts and Applications,” Proceeding of the Bank Economist Conference, pp. 185-195. Ravichandran, N., “Indian Banking Sector : Challenges and Opportunities,” VIKALPA, Vol.28, No.3, July-Sept. 2003. Reddy, Y.Venugopalan, Issuing in Choosing Between Single and Multiple Regulators of Financial System. Reserve Bank of India, Report of the J.C. Luther Committee on Productivity, Efficiently and Profitability in Commercial Banks, Bombay, 1976. Reserve Bank of India, Report of the Committee on the Functioning of Public Sector Banks, Bombay, 1976.

248

Robert, M., “Profitability in Public Sector Banks in India,” 1990 (A thesis submitted to Dept. of Commerce, University of Madras, Chennai). Roger, M., “The Definition and Measurement of Productivity,” Melbourne Institute Working Paper No.9/98. pp. 13-15. Roy, Durgadas, “Bank Profitability: Social Role is no Barrier,” Business Standard, Nov. 26, 1986. Roy, R.K., “The coming decline of Public Sector Banks,” Financial Express dated Aug. 10, 2001. Shu, B., “Banking Technology vision 2000”, IBA Bulletin, June 1999. Sahoo, R.K., “Branch Expansion in Post Reform Period.” Canara Bank Manual, 2003. Saleem, Dr. Imran, “Strategic Reforms of Banking Sector,” Monthly Commentary, Feb. 1995. Samal, Dr B, “Branch Networking,” Chartered Financial Analyst, March 2003. Samal, B., “EVA – A Key Measure”, Proceedings of the Bank Economist Conference 2002, pp. 83-86. Sankaran, P., “Mobilizing Banking Solutions : Best Practices”, Chartered Financial Analyst, March 2003. Saranya, Ms. A., “Global Competitiveness of Banks,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Sarkar, R., “SBI : The Leader Strikes back,” Business World, May 27, 2002.

249

Satish, D., “VRS in Banks : Shedding the Flab,” Chartered Financial Analyst, April 2001. Satyamurty, B., “Profitability and Productivity in Banks : Concepts and Evaluation,” IBA Bulletin, Nov. 1987. Selvaraj, V., “Challenges faced by Public Sector Banks,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Sen, Ashish, “The Key to Success,” Analyst, June 1997. Seethapathy, K and Bohini, K., “Indian Banking : Back to the Future,” Analyst, Feb. 1999. Sethumadhavi, R., “Bank Profitability – Causes of Recent Fall,” The Economic Times, May 11, 1983. Shah, S.G., “Bank Profitability: The Real Issues,” The Journal of the Indian Institute of Bankers, (July-Sep. 1979), pp. 130-14. Shakunthalamani, Mrs. P., “NPAs in Banks : Impact and Management,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Shankar, K., “Evaluating Bank Performance – A New Look at Parameters,” Indian Banking Today and Tomorrow, April, 1993. Shankar, Uday, “Universal Banking – A Bird Eye’s View,” The Management Accountant, November 2000, pp. 859-860. Shastri, R.V., “Recent Trends in Banking Industry : IT Emergence,” Charted Financial Analyst, March 2003. Shastri, R.V., “Towards a New Banking Order,” Proceedings of the Bank Economist Conference 2002, pp. 56-61.

250

Shety, S.L., “Performance of Commercial Banks Since Nationalisation of Major Banks : Promise and Reality,” Economic and Political Weekly, Aug. 1978, (Special Number). Sholvapur, M.R., Profitability Analysis of Bank Branches (Spread Burden Approach), 1999. Sibson, R.E., Increasing Employee Productivity, Library of Congress Catalogue in Publication Data. Sidh, D.N., “New Horizons and Emerging Problems of Indian Banking,” Dynamics of Indian Banking, Deep & Deep Publication, New Delhi. Sidhu, Jatinder Kaur, “Growth and Disparities in Banking Development in India,” 1994 (A thesis submitted to UBS, PU, Chandigarh) Singh, A.A., “Survival of the Fittest”, Chartered Financial Analyst. October 1998, p.43. Singh, Dr Jagwant, “Productivity in Indian Banking,” 1990. (A Thesis submitted to UBS PU, Chandigarh). Singh, Kewaljeet, Profitability Performance of Nationalized Banks: Some Issues, 1999. Sinha, R.P., “Public Sector Banks – Reverse Turnaround,” Indian Banking Today and Tomorrow, September 1996, p.1. “Snail paced consolidation,” The Economist, Aug.28, 1999. Sood, Archana, “Performance Appraisal of RRBs in Punjab,” 1994 (A Thesis submitted to UBS, PU, Chandigarh) Srivastava, R.B., “Profitability and Work Measurement in Banks,” State Bank of India Monthly Review, Dec. 1981, pp. 491-501.

251

Subramani, R.V. and Raghavan, K.S., “Operational Efficiency of Banks,” Banking in the New Millennium, Deep & Deep Publication, New Delhi. Subrahmanya, K.N., Modern Banking in India, Deep and Deep Publications New Delhi, 1986. Subramaniam, S.S., “INFINET : Leading the Revolution,” Chartered Financial Analyst, March 2003. Sundaram, I. Satya, “Banks : Improving Productivity and Profitability, The Journal of the Indian Institute of Bankers, Sept. 1984, pp. 155-160. Thanan, M.L., “Tannan’s Banking Law and Practice in India,” Indian Law House, New Delhi “Technology and Financial Sector,” Indian Economy : Essays on Money and Finance, p.174. Thirunavukkarasu, S., “The Economic Policy and Fiscal Reforms : A Critical View,” Asian Economic Review, p. 324. Thomas, Z., “Performance Effectiveness of Nationalized Banks: A Case Study of Syndicate Banks,” Finance India, Vol.XIV, No.1, March 2000. pp.187-192. Triplett, J.E., “Banaking Output,” in Eatwell et. al (eds), New Palgrave Dictionary of Money and Finance, Macmillan, London. Pp.143-146. Tseng, W. and Corker, R., “Financial Liberalization, Money Demand, and Monitory Policy in Asian Countries,” Asian Development Review, pp. 52. Varde, Varsha S. and Singh, Sampat P., “Profitability Planning in Banks,” The Economic Time, Nov. 11, 1981.

252

Varde, Varsha S. and Singh, Sampat P., “Towards an Analytical Framework for Profit Management in Banks,” The Chartered Accountant, June 1980, pp. 1063-1071. Vashisht, A.K., “Performance Appraisal of Commercial Banks in India,” 1987 (A Thesis submitted to the Dept. of Commerce and Business Management, HPU, Shimla). Verghese, S.K., “Profits and Profitability of Indian Commercial Banks in Seventies,” Economic and Political Weekly, Nov. 1983, pp. M-145 to M-157. Viswanathan, V., “Moneys in Banking,” Business World, July 15, 2002. “VRS to hit Bank Capital Adequacy,” PNB Monthly Review, Jan. 2001. Wheelen, Thomos, L. and Hunger, David J., Strategic Management and Business Policy. (2004), Pearson Education, Delhi. P.127. “Who is afraid of Privatization?,” The Management Accountant, September 1994, p.643. World Bank Report (2001). The Development and Regulation of Non-Bank Financial Institutions. Xu, Dianquing, “Contradictory Measures Frustrate Bank Reform”, Economic Reform Today, Number one 1995, p.25. Statistical Publications: Reserve Bank of India, Report on Currency and Finance Mumbai, (issues of relevant years). Reserve Bank of India, Reserve Bank of India Monthly Bulletins, Mumbai (various issues).

253

Reserve Bank of India, Statistical Tables Relating to Banks in India, Mumbai, (issues of relevant years). Reserve Bank of India, Trends and Progress of Banking in India, Mumbai, (issues of relevant years). IBA Bulletins (various issues). Web Sites www.acedemicfoundation.com www.allahabadbank-india.conm www.andharabank-india.com www.bankofbaroda.com www.bankofindia.com www.bankersindia.net www.centralbankofindia.co.in www.corpbank.com www.denabank.com www.dialindia.com www.dissertation.com www.economist.com www.financeindia.com www.icfaipress.org

254

www.indian-bank.com www.indianbanksassociation.com www.infowarld.com www.indiainfoline.com www.indiansources.com www.indiastat.com www.indorebank.com www.mysorebank.com www.NMIMSonLine.org www.obscindia.com www.onlinesbi.com www.pnbindia.com www.psbindia.com www.rbi.org.in www.reports.ribi.org.in www.sbi.co.in www.sbbijbank.com www.sbhyd.com

255

www.sbp.co.in www.sbsbank.com www.sbtr.com www.shilpabichitra.coma www.statebankofindia.com www.ucobank.com www.unionbankofindia.com www.unitedbankofindia.com www.vijayabank.com www.valuenotes.com