Is there excess capacity in rural banking markets: Some empirical insights for India

According to economic theory, there are at least three indicators of excess capacity in banking: (a) low loan-to-asset ratio, (b) low profitability and (c) high per unit operating expense. If excess capacity exists, it will be easiest to identify, through these indicators, at regional rural banks. Using bank level data on regional rural banks in India for the period 1991 to 2001, the paper uncovers little evidence of excess capacity using simultaneous equation techniques; univariate analysis reinforces the findings

Corporate Governance in Banking System: An Empirical Investigation

The paper examines the issue of corporate governance in the Indian banking system. Using data on banking systems for the period 1996-2003, the findings reveal that CEOs of poorly performing banks are likely to face higher turnover than CEOs of well performing ones.

Market Discipline, Capital Adequacy and Bank Behaviour: Theory and Indian Evidence

Policy debate with regard to financial intermediaries has focused on whether, and to what extent, governments should impose capital adequacy requirements on banks, or alternately, whether market forces could also ensure the stability of banking systems. The paper contributes to this debate by showing how market forces may motivate banks to select high capital adequacy ratios as a means of lowering their borrowing costs. If the effect of competition among banks is strong, then it may overcome the tendency for bank capitalisation that arises from systemic effects. If systemic effects are strong, regulation is required. Empirical tests for the Indian public sector banks during the 1990s demonstrate that better capitalised banks experienced lower borrowing costs. These findings suggest that ongoing reform efforts at the international level should primarily focus on increasing transparency and strengthening competition among banks.market disciplinel capital adequacy; deposit insurance; banking; India

Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation

The determinants of credit risk of banks in emerging economies have received limited attention in the literature. Using advanced panel data techniques, the paper seeks to examine the factors affecting problem loans of Indian state-owned banks for the period 1994-2005, taking into account both macroeconomic factors as well as microeconomic variables. The findings reveal that at the macro level, GDP growth and at the bank level, real loan growth, operating expenses and bank size play an important role in influencing problem loans. The study performs certain robustness tests of the results and discusses several policy implications of the analysis.credit risk; banking; state-owned banks; India

Is there excess capacity in rural banking markets: Some empirical insights for India

According to economic theory, there are at least three indicators of excess capacity in banking: (a) low loan-to-asset ratio, (b) low profitability and (c) high per unit operating expense. If excess capacity exists, it will be easiest to identify, through these indicators, at regional rural banks. Using bank level data on regional rural banks in India for the period 1991 to 2001, the paper uncovers little evidence of excess capacity using simultaneous equation techniques; univariate analysis reinforces the findings.regional rural banks; excess capacity; india

Risk, capital and operating efficiency: Evidence from Indian public sector banks

The paper examines the interaction between risk, capital and operating efficiency in a simultaneous equation setting. Using data on Indian state-owned banks for 1993-2000, the analysis finds these variables to be intertwined, with each reinforcing the other, although the results differ across bank size class.Risk; capital; operating efficiency; banking; India

The Relationship Between Risk and Capital: Evidence from Indian Public Sector Banks

The study investigates the relationship between changes in risk and capital in the public sector banking system in India, using both the seemingly unrelated regression (SUR) and the two stage least square (2SLS) method of estimation. Empirical findings establish a negative and significant impact of size on capital, indicating that large banks increased their ratio of capital to risk weighted assets less than other banks. Regulatory pressure is also found to have a negative and significant impact on the ratio of capital to risk weighted assets. Ceteris paribus, adequately capitalised banks decrease their capital ratio more prominently than other banks.

Molecular modelling and Function Prediction of hABH7, human homologue of _E. coli_ ALKB7

Human homologues of ALKB protein have shown the prime role in DNA damaging drugs, used for cancer therapy. Little is known about structure and function of hABH7, one of the members of this superfamily. Therefore, in the present study we intend to predict its structure and function using various bioinformatics tools. Modeling was done with modeller 9v7 to predict the 3D structure of the hABH7 protein. The tertiary structure model of hABH7, ALKBH7.B99990002.pdb was predicted and evaluated. Validation results showed 97.8% residues in favored and additional allowed regions of Ramachandran plots. Ligand binding residues prediction showed four ligand clusters, having 25 ligands in cluster 1. Importantly, presence of a Phe120-Gly121-Gly122 conserved pattern in the functional domain was detected. In the predicted structural model of hABH7, amino acid residues, Arginine at 57, 58, 59 and 60 along with tyrosine at 61 were predicted in RNA binding sites of the model. The predicted and validated model of human homologue hABH7 resulting from this study may unveil the mechanism of DNA damage repair in humans and accelerate the research on designing appropriate inhibitors aiding in chemotherapy and cancer related diseases