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1 BIBLIOGRAPHY BOOKS 1. Verma J.C. (1989), A manual of Merchant Banking, Bharat Law House, New Delhi, P Hart H.L, (1990), The Practice and Law of Banking, New Delhi, P Walter Leaf, (1990), Banking, Skyes Edition, P Ram Krishna G. and Rao, Venu G.K.(2008), Performance of Public Sector Banks After Reforms, First Edition, Serial Publication, New Delhi, P Vaish M.C. (1999), Macro Economic Theory, Vikas Publishing, New Delhi, P Bedi, H.L., Ayyar and G.S. Shenoy, A.P. (1984), Theory and Practice of Banking, Jeevandeep Prakashan, Bombay, P Halsbury s, Law of England, 3 rd Edition, Vol II, P Panandikar, S.G. (1975), Banking in India, Orient Longman Ltd, P Muraleedharan. D (2009), Modern Banking: Theory and Practice, PHI learning Pvt. Ltd, New Delhi, PP Machiraju H.R. (1998), Indian Financial System, Vikas Publishing House, New Delhi, P Vaish, M.C., Modern Banking, Op. Cit, P Sheldon H.P., The Practice and Law of Banking, 9 th Edition, P Panandikar. S.G., Banking In India, Op. cit, P Verma J.C. (1989), A Manual of Merchant Banking, Bharat Law House, New Delhi, P Padmavati.A and Hemchandrika.G, (2006), Public Sector Banks In India,Global Research Publication, New Delhi, PP Bhole L.M, (2008), Financial Institutions And Markets,Tata MC Graw Hill Publishing Company,New Delhi, PP Khan M.Y. (2000), Indian Financial System, Tata MC Graw Hill, New Delhi, PP Sharma H.L. (2003), Commercial Banking Development, Rajat Publications, New Delhi, PP Varshney, P.N.(2010), Banking Law and Practice, Sultan Chand and Sons, New Delhi, P

2 20. Chhipa, M.L., (1987), Commercial Banking Development in India, Printwell Publishers, Jaipur, P Sarma Nityananda V,(2011), Banking and Financial Systems, Cambridge University Press India Pvt Ltd, New Delhi. 22. Singh Kripa Shankar(2007), Development of Commercial Banks in India Sunrise Publications, New Delhi. 23. Sobti, R.(2003), Banking and Financial Service in India, New Century Publications, New Delhi. PP Shekhar K.C. and Shekhar Lekshmy (2007), Banking Theory and practice, Nineteenth Edition, Reprint, Vikas Publishing House Pvt. ltd. (India), Chapter: Subramanya, K.N.(1985), Modern Banking in India, Deep and Deep Publications, New Delhi, P Dr. Ramchandran, S. (2003), Nationalisation of Banks - A Mirage, Industrial Herald, Mumbai. 27. Gordon E, Natrajan, K.(1992), Banking Theory Law and Practice, Himalaya Publishing House, Mumbai 28. Gulati C. Nilam(2010), Principles of Bank management, Excel Books, New delhi, PP Garg Anurag(2010), Indian Financial System, Har Anand Publications Pvt Ltd, New Delhi, PP Desai Vasant(2005), The Indian Financial System And Development, Himalaya Publishing House, Nagpur, PP Dr. Tondon, B.K. (2012), Monetary Banking and Financial Development, Swastik Publications, New Delhi, P Subba Rao P, Khanna P.K(2010), Principles and Practice of Bank Management, Himalaya Publishing House, New Delhi, PP The Institute of Company Secretaries of India(2010), Banking and Insurance Law and Practice, P Dr.Babu Ramesh G.(2005), Indian Financial System, Himalaya Publishing House, New Delhi, PP Reddy Narasq B.P, Desarasu Himachalam(2011), Dynamic of Commercial Banks in India The Associate Publishers, Ambala, PP Kandasami K.P, Natarajan S, Parameswaran R,(2009), Banking Law and Practice, S. Chand and Company Ltd, New Delhi, P

3 37. Vijayaragvan.G (2009), Bank Credit Management Text and Cases, Himalaya Publishing House, New Delhi, First Edition, PP Popli G.S, Puri S.K (2013), Strategic Credit Management in Banks, PHI Learning India Pvt Ltd. 39. Mahore R.Y (2002), Non-performing Assets: Extent and Control, Ed by Amlesh Benerjee and Shrawan Kumar Singh, Deep and Deep Publications, New Delhi, P Reddy C.S. and Kalavathi V(2004), Non-Performing Assets In Banks- Causes and Remedies, Edited By B. Ramchandran Reddy, Serial Publications, New Delhi, P Debaprosanna Nandy(2010), Banking Sector Reforms in India and Performance Evaluation of Commercial Banks, Universal Publications, New Delhi, P Uppal. R.K., Kaur Rimpi(2006), Banking Sector Reforms in India: A Review of Post Developments, New Century Publications, New Delhi. 43. Salgve.W.N(2004), Economic Reforms in India and Future of Banking, In S. Murty(Ed), Financial and Monetary State in India: Some Aspects,KBSA Publishers, Jaipur, India. 44. Srivastava, R.M and Nigam. D(2001), Management of Indian Financial Institutions, Himalaya Publishing House, Delhi, PP Sundaram, N and Maran,C.M(2011), A Study on Non-Performing Assets in Indian Scheduled Commercial Banks, Ed Book on Banking Industry in India By Dr M. Sumathy, PP Gupta Ambuj (2010), Non-Performing Assets in Indian Banks: Issues, Perspective and Future Directions, LAPLAMBERT, Academic Publishing, P Upadhyay Krishn Kant(2009), Role of Public Sector Banks in Indian Economy, Pearl Books, New Delhi, PP Tyagi Dinesh Kumar, Ahmad, Shahid Ashraf(2006), Political Economy of Banking Reforms in India, Wisdom Publications, New Delhi, PP Aggrwal, B.P(1981), Commercial Banking in India, After Nationalisation, Classical Publications, New Delhi, P Garg, Chand Suresh(1989), Indian Banking Cost and Profitability, Anmol Publications, New Delhi. P Patnaik, U.C and Patnaik Manoj(2005), Profitability in Public Sector Banks, Sonali Publications, New Delhi, P

4 52. Mathur O.P(1978), Public Sector Banks in India s Economy - A Case Study of the State Bank, Sterling Publishers Ltd, New Delhi, PP Dr. Moharajan Mukund(2000), Indian Banking System, Nirali Prakashan Publishing, Pune, P Aggarwal Monika (2007), Productivity of Commercial Banks in India, Trends and Analysis, Gyan Publishing House, New Delhi, P Rangaswamy B(1985), Public Sector Banking in India, Publications Division, Ministry of Information and Broad Casting, Government of India, PP Chawla A.S(1987), Nationalisation and Growth of Indian Banking, Deep and Deep Publications, New Delhi, P Srivasstava, R.M (2007), Management of Indian Financial Institution, Himalaya Publishing House, Mumbai, P Reddy, B.R(2004), Management of Non- Performing Assets in Banks and Financial Institutions, Serial Publications, New Delhi. 59. Banking Reforms in India: An Evaluative Study of The Performance of Commercial Banks By Prof D. Suryachandra Rao, 2008, Regal Publication. P Avadhani V.A. (1978), Studies In Indian Financial System, Jaico Publications, Mumbai, P Dr. Mrs Murthy.S, Financial Sector Reforms and Economic Growth In India, UBSPD, New Delhi. 62. Das Debendra Kumar, Financial Sector Reforms, Tax System and Development, UBSPD, New Delhi, P Dr Durga Madhab Mahapatra and Prof Dr. Ashok Kumar Mohanty (2010), Management of NPA sn and Indian Banking Sectors, Global Research Publications, New Delhi. 64. Maheshwari S.N and Maheswari S.K (2004), Advanced Accountancy, Banking Companies Accounts, Vol II, Ninth Edition, PP Jain, V. (2007), Non-Performing Assets in Commercial Banks, Regal Publications, New Delhi, PP Regina M. (2009), Co-operative Banking Achievement and Challenges Edited Book by Dr. Rais Ahmed on Co-operative Management and Development Text and Cases. P Bidani S.N. (2002), Managing NPA s In Banks, Vision Books, New Delhi, P Bagchi S.K.(2004), Credit Risk Management,Jaico Publishing House, New Delhi. 318

5 JOURNALS 1. Senasarma. R, (2005), Cost and Profit Efficiency of Indian Banks during 1986 to A Stochastic Frontier Analysis, Economic and Political Weekly, March 19, pp Raghavan R.S. (2010), Banking in India since Independence A Brief History, The Indian Banker, Vol. V, No-08, PP Agarwal Shyam Ji ( 2005), Consolidation in Banking Industry Through Merger and Acquisitions, IBA Bulletin, Special Issue, Vol. XXVII, No-01, PP Chander Ramesh and Chandel Jai Kishan (2010), Financial Viability of an Apex Cooperative Credit Institution- A Case Study of the HARCO Bank, Asia-Pacific Business Review Vol. VI, No.2, April-June 2010, PP Panda. J, and Sahu, P.K. (1983), Changing Pattern in the Growth of Commercial Banking in India, The Indian Journal of Commerce, Vol. 36, N0-137, PP Singla Harish Kumar (2008), "Financial performance of Bank in India", The ICFAI Journal of Management, Vol. 7, Issue SBI (2000), Performance Analysis of Private Sector Banks : , SBI Monthly Review, Vol.. XXXX, No-04, P Bhatt, O.P.(2007), Banking in India, Yojana, Vol.. 51, PP Joshi P.N.(2002), Financial Sector Reforms and Weaker Sections of the Society, The Journal of Indian Institute of Banker, Vol.. 13, No-02, April- June, P Bhide M.G, Prasad A, Gosh Saibal (2002), Banking Sector Reforms- A Critical Overview, EPW, Vol. XXXVII, No-05, February, PP Khanna Ashu, Arora Bindu(2009), A Study to Investigate the Reasons for Bank Frauds and Implementation of Preventive Security Controls in Indian banking Industry, International Journal of Business Science and Applied Management, Vol.. IV, Issue -03.New Delhi. 12. Manoj.P(2003), Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act 2002, The Charted Accountant, The Institute of Charted Accountant of India, January. 13. Shekhar, C. (2003), Reduction of NPA s-key to Banking Reforms, Yojana, Vol. 47, October, PP

6 14. Prasad Bhavani G.V, Veena D(2011), NPA s Reduction Strategies for Commercial Banks in India, IJBMS, Vol. 1, No-03, September. 15. Taori, K.J (1996), Management of NPA s- Policies and Perspectives, SBI Monthly Review, Vol.22, No-07, July. 16. Patel,U.R(1997), Emerging Reforms in Indian Banking: International Perspectives, Economic and Political Weekly, Vol.32, No. 42, October, PP Mishra K.B.L,(2002), Public Sector Banks in India: Should They be Privatised, Economic and Political weekly, Vol. XXXVII, No. 23, June 8-14, PP Sheth N. R and Shah B.G (1975), Personnel Management for Rural Banking, EPW, Vol. X, No-20, May. 19. Velayudham, T.K(2002), Developments in Indian Banking, Bank Quest, Indian Institute of Bankers, October- December, P Dr. Saghir Ahmad Ansari(2005), Commercial Banks in Post reform Period, Journal of Banking and Finance, PP Singh, P(2006), Managing Credit Risk Through Assets Reconstruction Companies- Emerging Issues, Business Perspectives, New Delhi, Vol.-08, No-02, PP Kumar, T.S(2008), An Imperative For the Development of Financial Markets, The Financial Analyst, Hyderabad, Vol. XIV, Issue 10, October, PP Jalan Bimal (2003), Strengthening Indian Banking and Finance: Progress and Prospects, IBA Bulletin, Special Issue, Vol. XXV, No-03, March 2003, P Ray, Partha and Sengupta Indrnil (2003), Systematic Restructuring of Banks: Indian Experience Bank Quest, The Journal of Institute of Banking and Finance, October December, Vol. - 74, No-4, P The Busy Bankers Handbook (2003), Vol. II, 10 th Edition, The Bank of India Officer s Association, Mumbai, PP Sinha R.P. (2007), Assets Quality Based Ranking of Indian Commercial Banks- A Non- Parametric Approach, Asia Pacific Business Review, New Delhi, Vol. III, No- 02, July- December Issue, PP Sinha R. P. (2003), Asset Composition and NPA Profile of the Indian Commercial Banks, Business Perspective, Journal of BIMTECH, Vol. -07, No-01, PP

7 28. Bajju.S. and Thatti G. S (2000), Performance of Banks with Non-Performing Assets: An Analysis of NPA s, Yojana, March Issue, PP Krishnamohan, V. and Rao, Suryachandran, D. (2007), Management of Non- Performing Assets in Scheduled Commercial Banks: A Study of Incidence, Causes, Impact and Strategies, Gitam Journal of Management, Vishakhapatnam, Vol. -05, No-02, April- June, PP Sharma, G.K. (2004), Financial Sector Reforms, Yojana, New Delhi,May Issue, PP Price Waterhouse Coopers: Management of Non-Performing Assets By Indian Banks, IBA Bulletin, Special Issue, June 2004, Vol. XXVI, No-01, PP Yeole, A. (2004), The Problem of NPA s, Yojana, Vol.48, November Issue, PP Panchal B Archit, Co-operative Banks: Challenges in Competitive Era, IBA Bulletin,February 2005, PP- 25 to Dr. Sinha Y.J. (2008), Subprime Crisis Risk Management Principles, Professional Banker, January, PP Kakkar Rajendra (2004), ARCs- New Initiatives, The Journal of Indian Institute of Banking and Finance, Vol Sharma Jyoti (2010), NPA Management n : A Major Challenges for Banks, Vol.. V, Nov 03, March. 37. Sardar N.S. Gujaral (2003), Asset Quality and Management of NPA s, The Journal of Indian Institute of Bankers, Vol. -72, April-June, P Dr. Chakraborty K.C (2005), Management of NPA s: Trends and Challenges, Charted Financial Analyst, PP Nachane D.M. (1999), Capital Adequacy Ratios An agnostic View Point, Economic and Political Weekly, January, PP Sinha Ram Pratap(2006), Capital Adequacy of Indian Commercial Banks: Some Empirical Results, ICFAI Journal of Financial Economics, PP Jagirdar, Brinda(1996), Capital Adequacy : Some Issues, EPW, Vol. XXXI, No-02, March. 42. Rao B.N. (2006), Basel II Compliance and Beyond, Professional Banker, Special Issue, March, P Bhandari K.G. (2006), Basel II A Tool for Bank Risk Management, Professional Banker, P

8 44. Dr. Upadhyay Saroj (2008), Implementation of Basel II Real Challenges for Indian Banks, Professional Banker, PP Sood Rajesh Kumar (2004), Operational Risk under New Basel Accord, IBA Bulletin, Vol. XXVI, No Nachane, D.M. (2003), Basel Accord II: Implications for the Indian Banking System, Bank Quest, Vol. 74, No 4, PP Kohli S.S. (2005), Requisite Capital for Compliance of Basel II Norms Keeping a Present Momentum in Business Growth, IBA Bulleti, Vol. XXVII, No-02, P Durai Rajasekar and Others (2003), Core Banking Change in Form, Not in Substance, The Journal of Indian Institute of Banking And Finance, July September, Vol. -74, No Rege Rupa Nitsure (2005), Basel II Norms, Economic and Political Weekly, Vol. XL, No Rita Rai (2002), The New Three Pillar Capital Adequacy Framework Issues and Constraints Facing Public Sector Banks, IBA Bulletin, Vol. XXIV, No 11, November, PP Roy Robin(2005), Basel II: What Do Banks Needs To Do?, The Journal of Indian Institute of Banking and Finance, July- September, Vol. 76, No-03, PP Sudhakar V.K. (2005), Implementing Basel II for Credit Risk: Challenges for Indian Banks, The Journal of Indian Institute of Banking and Finance, July September, Vol. -76, No-03, PP -21 to Reddy Y.V (2006) Challenges and Implications of Basel II for Asia, Basel II Norms Implications on Business. The ICFAI University Press. PP Rao Raguttama R.(2005), Credit Scoring Models and The Basel Accord, The Journal of Indian Institute of Banking and Finance, July- September,Vol.-76,N0-03, PP Deb, Satyajit (2006) Implementation of Basel 2 in India: A Crucial Journey, Basel II Implications for Asia Pacific Region. The ICFAI University Press. PP Raghvan R.S(2010), Banking In India Since Independence A Brief History, The Indian Banker, Vol.. V, No-08, 57. Dr. Patil Vasundhara, (2012), Impact of DRTs on Recovery of NPAs, The Indian Banker, No-10, Vol. VII, October. 58. Padhy L.P (2012), Credit Monitoring In Banks, The Indian Banker, No-05, Vol.- VII, May. 322

9 59. Patnaik B.C and Others(2011), Demystifying NPAs on Education Loan: An Empirical Study, Indian Journal of Banking and Financial Service and Insurance Research, Vol.. I, Issue 04. REPORTS AND OFFICIAL PUBLICATIONS 1. RBI Report on Trends and Progress of Banking in India, ( Various Issues). 2. RBI Report on Currency and Finance. (Various Issues). 3. Government of India, Report of Banking Commission, New Delhi. 4. Government of India, The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest, Ordinance, New Delhi. 5. RBI, Report of the High Power Committee on Urban Cooperative Banks, Mumbai. 6. Report of Task Force to Study Co-operative Credit System and Suggest Measures for Strengthening RBI. 7. Report of the Expert Committee on Rural Credit- NABARD. 8. Banking Statistics Relating to Indian Economy, Planning Commission, New Delhi. 9. Bombay Stock Exchange Official Dictionary, Mumbai, (Various Issues). 10. Report of Chakravartee Committee to Review the Working of Monetary System. RBI Publication, Mumbai. 11. Report of the Khusro Committee to Review the Agricultural Credit System in India, RBI Publication, Mumbai. 12. Report of the Narasimham Committee on Banking Sector Reforms. 13. Report of the Verma Committee on Weak Public Sector Banks, IBA Publications, Mumbai. 14. Reserve Bank of India Monthly Bulletins, Mumbai. 15. The Financial System: Report by M. Narasimham, Nabhi Publications, New Delhi. NEWS PAPERS 1. The Economic Times. 2. Indian Express. 3. Business Standard. 4. Business Line. 5. The Times of India 323

10 6. The Financial Express. 7. The Hindu. WEBSITES bank.com 6. baroda.com 7. of india.com

Earnest W. Walker, (1974), Essentials of Financial

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