Comparative Study of Performance of Indian Commercial Banks in the Era of Global Melt-Down

The gap regarding the costs and profits is widening among the various bank groups. The present paper is an endeavor to study the comparative costs and profits to study the comparative costs and profits among partially and fully IT-oriented bank groups. The paper concludes that even the costs are high in partially IT-oriented bank groups but their profits are also lesser as compare to fully IT-oriented bank groups and there is significant correlation between operating costs and net profits but insignificant correlation between per employee expenditure and net profits. At the end, paper suggests some areas of comprehensive research

Global Crisis: Problems and Prospects for Indian Banking Industry

The present paper analyses the efficiency of all the bank groups in the post- banking sector reforms era. Time period of the study is related to second post-banking sector reforms (1999-2000 to 2005-06). This period has been chosen taking into consideration the following factors; On the basis of some parameters of efficiency i.e. profitability per employee, per branch, business per employee, per branch and expenses per employee and per branch, the paper concludes that efficiency of all the bank groups has increased in the second post-banking reforms period but these banking sector reforms are more beneficial for new private sector banks and foreign banks. At the end, paper suggests some measures for the improvement of efficiency of Indian nationalized banks

E-Banking: Problems and Prospects an Empirical Study in Punjab

The present study is concerned with the problems and prospects of e-banks in India. The present paper suggests some policies on the basis of perceptions of 60 selected e-bank employees regarding the various issues related to e-banking services. The paper concluded that not more then 50% of Indian bank customers are using e-channels, these channels are not much popular among old age and middle age persons as much as among youngsters and finally the paper concludes that the most of the customers are shifting from public sector banks to new private sector banks or foreign banks to avail innovative and attractive services. On the basis of these conclusions, paper suggests some strategies to make the public sector banks more competitive in the era of IT

Customer Service in Banks: Mapping Excellence in Emerging New Competitive Era

The Indian Banking Industry has undergone radical changes due to liberalization and globalization measures undertaken since 1991. Today, Indian Banking Industry is one of the largest in world. There has been a great surge in efficient customer services. A highly satisfied and delighted customer is a very vital nonfinancial asset for the banks in the emerging IT era. The curtsey, accuracy & speed are like a crown factors for a bank. Based on the responses of 768 customers of public sector bank, Indian Private Sector Bank & Foreign Bank (each one from these groups) operating in Amritsar district of Punjab and in case of fully E-bank, (three banks, one from each bank group) have been taken into consideration. It may be inferred that there is significant difference among three bank groups with regard to the time customers have to spend to transact a business. The E-banks are more efficient in regard to time factor. This is the very important factor of shifting of potential customers in E-banks. The survey was conducted in Amritsar district of Punjab in the month of September 2007. Chi-Square test is used to check the level of significance difference among various bank groups and coefficient of contingency among various bank group customers’ responses is also calculated

Banking Sector Reforms: Policy Implications and Fresh Outlook

Various reform measures introduced in India have indeed strengthened the Indian banking system in preparation for the fresh global challenges ahead. The present paper reviews the banking sector reforms policy, crucial issues and agenda for the future. On the basis of certain parameters, like productivity, profitability and NPAs’ management, the paper concludes that foreign banks and new private sector banks are much better in performance as compared to our nationalized banks in the post-banking sector reforms period. The paper ends with the future agenda for the Indian banking industry, particularly for public sector banks to make them efficient and strong, to compete with the global banks

E-Age Technology–New Face of Indian Banking Industry: Emerging Challenges and New Potentials

The present paper analyzes the performance of major banks in terms of productivity and profitability in the pre and post e-banking period. Under the regime of banking sector reforms, IT Act of 1999 gave new dimensions to the Indian banking sector. IT has created transformation in banking structure, business process, work culture and human resource development. It has affected the productivity, profitability and efficiency of the banks to a large extent. The paper concludes that performance of all the banks under study is much better in post-e-banking period and further foreign banks are at the top position, whereas the performance of the public sector banks is comparatively very poor. The paper suggests some measures to tackle the challenges faced by the banks particularly public sector banks. At the end, paper suggests how public sector banks can convert the emerging challenges into opportunities

Indian Banking – NEW Vision 2030

Dynamic changes are taking place in the Indian banking industry .The purpose of this paper is to access and analyze the future of Indian banking in the coming competitive era. With the help of ratio analysis method and various statistical techniques ,evaluates the performance of banking industry .In the post – second banking reforms era, Indian banks are very fastly changing and ready to face the global challenges. The paper has been divided into two parts, i.e pre-ebanking period and post -ebanking period. The paper concludes that the performance of banks much better in the post ebanking period. Only those banks will survive in future, which are intensively using information technology in day-to-day activities. The present paper highlights the changing face of Indian banks and predicts the future for 2030. Information technology has altered the face of Indian banks and it has positively affected the productivity and profitability of banks. The presence of Indian banks in the global market is continuously increasing

Role of Negative Pressure Wound Therapy in Healing of Diabetic Foot Ulcers

Introduction: Foot disorders such as ulceration, infection and gangrene are the most common, complex and costly sequelae of diabetes mellitus.[1-3] Even for the most superficial wounds, treatment is often difficult with poor healing responses and high rates of complications. The purpose of this study is to compare the rate of ulcer healing with the negative pressure dressing technique to conventional moist dressings in the treatment of diabetic foot ulcers. Materials and Methods: The study was conducted on 30 patients, which were divided into two groups. One group received negative pressure dressing while other group received conventional saline moistened gauze dressing. Results were compared for rate of wound healing. Results: There was a statistically significant difference in the rate of appearance of granulation tissue between the two groups; with granulation tissue appearing earlier in the study group. The study group promised a better outcome (80% complete responders) as compared to the control group (60% complete responders). Conclusions: Negative pressure wound therapy has a definitive role in healing of diabetic foot ulcers

Balanced nutrition increases yield of pearl millet under drought

Improving the climate resilience of crops is particularly important in the semi-arid tropics (SAT) where variability and uncertainty of precipitation is expected to increase under climate change with detrimental impacts on the vulnerability of livelihoods of small farm holders. This study analyses a long-term strategic experiment datasets from fifteen experiments (1981–1995) managed under different fertility level sat International Crops Research Institute for the Semi-Arid Tropics (ICRISAT), Patancheru and on-farm balanced nutrition management trials (2010–2012) in Karnataka, India to evaluate the pearl millet performance in contrasting seasons with improved agronomic management. Long-term climate variability and yield trends were analyzed using ICRISAT’s weather datasets. On-farm data analysis revealed that majority of farmers’ field soils were deficient in organic carbon, available phosphorous, sulphur, zinc and boron at all the locations studied. Pearl millet grain yield and above ground dry matter was improved significantly with balanced nutrient application (NPK + S + Zn + B) in farmers’ field which were critically deficient in the soil nutrients. Even in comparatively drier years, application of balanced nutrient significantly increased grain yield and aboveground dry matter which provides resilience against drought through enhanced water productivity. Long-term experiments conducted in ICRISAT showed that nitro-gen application increased grain yield and above ground dry matter in pearl millet however seasonal variability had a greater effect on yield than cultivars and applied N. Pearl millet yield was positively associated with August maximum temperature and negatively with seasonal precipitation. September precipitation >125 mm which coincided with grain filling stage reduced grain yield. Benefit: cost analysis showed that balanced nutrient application of pearl millet is an economically sustainable option across the seasons. Pearl millet can be an important component of climate resilient agriculture in low production environments when managed with improved agronomic practices