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100			_aNatarajan, P _921462
245			_aTechnology-enabled performance of nationalized banks in india: an analysis _cP Natarajan and Nisha S Simon
260			_aHydrabad _bIUP Publication _cFebruaury 2015
300			_a58 - 75 p. _bPaper
500			_aThe study deconstructs the performance of nationalized banks against the backdrop of technology adoption in the industry. Integrating financial ratio approach and Data Envelopment Analysis (DEA), bank performance is analyzed on eight distinct frontiers. Improvements in the efficiency of banking system are reflected in the reduction in operating expenditure, interest spread and cost of intermediation. Banks have responded to the challenges of competition, as reflected by the increase in market share and employee productivity. Margins have come down significantly owing to competition and technology evening out location and traditional niches. IT has taken off the advantages that the large banks enjoyed and consolidated the industry. Declining spread also shows convergence among peers and signals increased focus on non-interest income. However, non-interest income has witnessed a declining trend as interpreted from insignificant Levine’s diversity ratios and non-interest income ratios. Undiversified banking practices signal a risky banking system due to higher dependence on interests, making banks’ profitability more sensitive to asset quality. Technology has reshaped the dimension of competition and strategies for survival. Diversification, customization and service quality will become watchwords for the industry in future.
650			_aData Envelopment Analysis (DEA) _921510
651			_2Nationalised Banks _xInformation Technology _921512
700			_a Simon, Nisha S _921509
773	0		_030414 _953327 _aMURTHY, E N _dIUP PUBLICATION HYDERABAD _o5553811 _tBANK MANAGEMENT
942			_2ddc _cJA-ARTICLE
999			_c42965 _d42965