Income Diversification : A study on Indian Banking Industry (Record no. 48412)
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| 000 -LEADER | |
|---|---|
| fixed length control field | nam a22 4500 |
| 003 - CONTROL NUMBER IDENTIFIER | |
| control field | OSt |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20171009165849.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 171009b xxu||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Sharma, Shraddha |
| 9 (RLIN) | 27806 |
| 245 ## - TITLE STATEMENT | |
| Title | Income Diversification : A study on Indian Banking Industry |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | 41 - 59 p. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc | Internationally, the transformation in banking industry has opened up new opportunities for banks to diversify through own expansion and/or strategic association. They are focusing more on non-interest income as it enables to setoff the reduction in their interest income due to falling interest rate as well as increasing income from fee-based activities. Indian banking industry is also going through a phase of changing strategies to evolve in the competitive environment. Considering the importance of income diversification, it had become imperative to investigate how the prospects of non-interest income work in the Indian banks. This paper makes an attempt to explore income diversification in the Indian banking industry. Applying trend analysis and correlation, the paper analyzes the trends in interest income and non-interest income using aggregate and bank-wise secondary data from 2003 to 2016. Also, the paper studies the share of non-interest income components. The results reveal that in Indian banking industry, interest income is still the dominant source of income though the share of non-interest income is also increasing due to higher growth rate of non-interest income as compared to interest income. In non-interest income components, the share of investment-related other income is also the highest compared to the banking-related other income. Aggregate as well group-wise, public and private sector banks are having negative correlation between non-interest income share and interest income share, which means Indian banking sector is enjoying income diversification benefits. The results of Herfindahl-Hirschman Index (HHI) also show that private sector banks are more diversified compared to public sector banks. [ABSTRACT FROM AUTHOR] |
| 653 ## - INDEX TERM--UNCONTROLLED | |
| Uncontrolled term | Interest income |
| Uncontrolled term | Banking industry |
| Uncontrolled term | Financial institutions -- India |
| Uncontrolled term | Financial services industry -- India |
| 700 ## - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Sharma, Geeta |
| 9 (RLIN) | 27807 |
| 773 0# - HOST ITEM ENTRY | |
| Host Biblionumber | 30414 |
| Host Itemnumber | 67184 |
| Main entry heading | MURTHY, E N |
| Place, publisher, and date of publication | IUP PUBLICATION HYDERABAD |
| Other item identifier | 5557806 |
| Title | BANK MANAGEMENT |
| International Standard Serial Number | 0972-6918 |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Source of classification or shelving scheme | Dewey Decimal Classification |
| Koha item type | Journal Article |
| Withdrawn status | Lost status | Source of classification or shelving scheme | Damaged status | Not for loan | Home library | Current library | Date acquired | Total Checkouts | Full call number | Barcode | Date last seen | Price effective from |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dewey Decimal Classification | Main Library | Main Library | 09/10/2017 | Vol 16, No 3/ 5557806JA2 | 5557806JA2 | 09/10/2017 | 09/10/2017 |