BIBLIOGRAPHY. Ahmed and Khan Massod, Banking in India, Anmol Publications, New Delhi, 1992.

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1 BIBLIOGRAPHY Books: Ahmed and Khan Massod, Banking in India, Anmol Publications, New Delhi, Anand Sharm, Statistics for Management, Himalaya Publishing House, Second Revised Edition, Bombay, Ashok Banerjee, The Cost of Credit Re-examined, Deep and Deep Publications Pvt. Ltd., New Delhi, Balachandran G., The Reserve Bank of India: , Oxford University Press, New Delhi, Banerjee Amalesh and Singh S.K., Banking and Financial Sector Reforms in India, Deep and Deep Publishers, New Delhi, Bansal C.L., Management of Commercial Banks in India, Financial Markets and Institutions, Harnad Publishing House, New Delhi, Batra G.S. and Dangwal R.C., Banking and Development Finance, Deep and Deep Publications, New Delhi, Bhalla V. K., Financial Management & Policy, IInd Edition, Anmol Publications, New Delhi, Bombay, Bharadwaj R.K., Chetiya Anuradha R. and Majumdar Kakali, Quantitive Techniques for Business Managers, Himalaya Publishing House, Mumbai, First Edition, Bhattacharya H., 2001, Banking Strategy, Credit Appraisal & Lending Decisions, Oxford University Press, New Delhi, Bidani S.N., Managing Non-performing Assets in Banks, Vision Books private Limited, New Delhi, Cem Karacadag and Michael W Taylor, Toward a New Global Banking Standard: The Basel Committee s Proposals, ICFAI Books, 2002.

2 Chakrabarti Anjan, Dynamics of emerging India's banking sector assets: A simple model, The Journal of Asset Management, Chakraborty K.C., Banking in 1990, Himalaya Publishing House, Bombay, Chaudhary A.K., Banking Management, Rajat Publications, New Delhi,1998. Chaudhary C.M., Recent Trends in Banking, sublime Publications, Jaipur, India. Das and Uday Kumarlal, Banking Reforms and Lead Bank Scheme, Deep and Deep Publications, New Delhi, Deb and Kalpada, Indian Banking Since Independence, Ashish publishing House, New Delhi,1993. Desai V., Banks Institutional Management by Himalaya Publishing House, Bombay, Desai Vasant, Indian Banking Nature, performance and problems, Himalaya Publishing House, Bombay. Dr. Bhattacharya K.M. and Agarwal O.P., Basics of Banking and Finance, Himalaya Publishing House, Bombay, Dr. Srivastava P.K., Banking Theory and Practice, Himalaya Publishing House, Bombay, Dr. Vibha Jain, Non-Performing Assets in commercial Banks, Regal Publication, New Delhi, 1st Edition 2007,p Dreze, Jean and Sen and Amartya, The political Economy of Hunger, Oxford Clarendon Press, U.K, Dreze, Jean and Sen, Amartya,(1995), Indian Economic Development and Social Opportunity, Oxford University Press, U.K. Dut Ruddar and Sundaram, K.P.S., (2003), Indian Economy, Sultan Chand and Company, New Delhi. 318

3 Garg S.C., Indian Banking Cost and Profitability, Anmol Publications, New Delhi, Gopala Krishna T.V., Management of Non-performing Advances, Indian Institute of Banking and Finance, Northern Book Centre, Mumbai, Gordon E. Natarajan k., Banking Theory, Law and Practice, Himalaya Publishing House Government of India, Nationalization of Banks: A symposium: Ministry of Information and Broad casting, Publishing House, New Delhi, Gupta S.P., Statistical Methods, Sultan Chand & Sons, New Delhi, Iyengar G.V., Introduction to Banking, Excel Books, Jadhav N., Challenges to Indian Banking, Competition, Globalization and Financial Markets (Union Bank of India), Mc millan Indian Limited, New Delhi, Jain Vibha, Non-Performing Assets in Commercial Banks, Regal Publications, New Delhi, Jain, S.P., Commercial Banking, Meaning and Functions: Macro Economics, J.K. Publications, New Delhi, Joshi and Vijay I.M.D., India s Economic Reforms, Oxford University Press, New Delhi, Joshi V.C. and Joshi V.V., Managing Indian Banks the Challenges ahead: Response Books, Sage Publications India Private Limited, New Delhi, Kapila Raj and Uma Kapitha., Banking and Financial Sector Reforms in India, Academic Foundation, New Delhi, Kenneth J. Le Strange, Risk Management and Risk Financing Alternatives, Deep and Deep Publications Pvt., Ltd., New Delhi, Krishna Swami O.R. and Ranganathan M., Methodology of Research in Social Sciences, Himalaya Publishing House,

4 Kumar N., Hand Book for Bank Managers, Misra S.N., Banking sector and Narasimham Committee Recommendation An appraisal, Deep and Deep Publications, New Delhi, Murthy G.R.K., Credit Risk Management in a Market Driven Economy: The Acid Test for Banks, Deep and Deep Publications Pvt. Ltd., New Delhi, Nalini Prava Tripathy, Emerging Scenario of Indian Banking Industry, Mahaya Publishing House, New Delhi, Nigam B.M. and Lall, Banking Law and Practice, Konark Publishers Private Limited, New Delhi, Nirmala Prasad K. and Chandra Doss, Banking and Financial System, Himalaya Publishing House, Mumbai, Pandey I. M., Financial Management, Vikas Publication House, New Delhi, Parameswaran R. and Natrajan S., Indian Banking, Sultan Chand and Sons, New Delhi, Pattern James, Fundamental of Bank Accounting, Reston Publishing Company, Virginia, Pawan Kumar, Indian Banking Today, Impact of Reforms, Kanishka Publishers and Distribution, New Delhi, Prasanna Chandra, Financial Management, Tata McGraw Hill, New Delhi, Rai and Rita, Gender Dimensions In Banking, Manak Publication, 2002, pp Rakesh Mohan, Monetary Policy in a Globalized Economy, A Practitioners view, Oxford Collected Essays, Published by Oxford University Press, New Delhi, 2009, pp Ramachandran K.S., Management of Financial Reforms, Anmol Publications, New Delhi. 320

5 Ranganadhachary A.V., and Paul R.K., Banking and Financial Systems, Kalyani Publishers, Ludhiana, Rangaswamy B., Public Sector Banking in India, Publication Division, Ministry of Information and Broad Casting, Government of India, New Delhi, Rao K. Koteswar, Management of Commercial Banks, Delta Publishing House, New Delhi, Rastogi R. P., Financial Management, Galgotia Publication, New Delhi, Rathi Gokul B. and Sandhane Samitan, Non-Performing Assets A Practical Hand Book, Tanvi Publications, Pune, Ravi Kumar T., Indian Banking in Transition Issues and Challenges, Vision Books Private Limited, New Delhi, Reddy B., Ram Chandra and Yuvaraja B., Some Aspects of Financial Sector Reforms, Banking Theory and Financial System, 2002, Kalyani publication, Ludhiana, 2002, p Robert, Cassen and Vijay Joshi, Economic and Financial Sector Reforms, Oxford University Press, New Delhi, Bidani S N,, Managing Non-performing Assets in Banks, Vision Books Publications, Indian Banking Year Book, IBA publication, Mumbai. Sahoo and Banambar, Bankers Hand Book on NPA Management, Asia Law House, Hyderabad, Saravanvel P., Modern Banking, Marcham Publishers, Chennai, Sarkar A.K., Application and Implications of New Prudential Norms for Banks, Deep and Deep Publications Pvt. Ltd., New Delhi, Sharma and Gupta, Financial Management, Kalyani Publication, New Delhi, Sharma R.K., Gupta S.K. and Singh J., Banking and Foreign Trade, Kalyani Publishers,

6 Shete N.B., Management of NPAs in Primary Sector Credit of Banks, NIBM, Pune, Shivpuje C.R. and Kaveri V.S., Management of Non-performing advances, Sultan Chand and Sons Publications, Sreekantaradhya B.S., Banking and Finance Perspectives on Reform, Deep and Deep Publications, New Delhi, Subba Rao P., Principles and Practice of Bank Management, Himalaya Publishing House, Mumbai, Subramani R. Venkat and Radhavan K.S., Operational Efficiency of Banks, Banks in the new Millennium Issues Challenges, Deep and Deep Publications, Sundharam K.P.M. and Varshney P.N., Banking Theory, Law and Practice, Sultan Chand & Sons, Educational Publishers, New Delhi, 2003, pp Swain B.K., Commercial Banking in a changing Scenario, Excel Books, Tanan, M.L., Banking Law and Practice in India, Thackers, Bombay,1973. Tarpore S.S., Issues in Financial Sector Reforms, USB Publishers, New Delhi, Tarpore S.S., Twists and Turns in Financial Reforms, USB Publishers, New Delhi, Taxman, RBI s Instructions for Banks and Banking Operations, Taxman Allied Services (P) Limited, New Delhi, Toor N.S., Non-Performing advances in Banks, Skylark Publications, New Delhi,1997. Trivedi, I.V., Indian Banking in the New Millennium, RBSA Publishers, Jaipur, Uppal R.K., Indian Banking Industry and Information Technology, New Century Publications, New Delhi, Varshney P.N., Banking Law and Practices, Sultan Chand And Sons,

7 Venugopal, G.V., Non-performing Assets of Banks, Published by Mrs.Shyamala Venugopal, Trichur Volume 5, Issue 4, No. 1, Jan-March, 1999, pp , Articles: Abhiman Das, Risk and Productivity Change of Public Sector Banks, Economic and political weekly, Feb 2-8, 2002, pp Adityanarayana and Khannan, R., Determinants of Net Interest Margin under regulatory requirements An Economic Study, EPW,Vol.XXXVI, No.4, Jan 27-29,2001, pp Aggarwal, Monica, Sharma and Rishi Raj, Indian Banking: Present and Future, The Indian Journal of Commerce, Vol. 58, No. 3, July-September, Alamelu K., and Chidambaram,R.M., (1994), Profitability in Banks A matter of survival: The Banker, May 18 th, pp.1-3. Alpesh Shah, Ashish Garg, Bharat Poddar, Neeraj Aggarwal, Pranay Mehrotra, Ruchin Goyal and Saurabh Tripathi, Indian Banking 2020 Making the Decade s Promise Come True, The Boston Consulting Group, Inc Altunbas Y., Goddard J. and Molyneux P., Technical change in Banking. Economic Letters vol. 64, issue 2, pp , Anantha Swamy B.N., New Competition, Deregulation and Emerging Changes in Indian Banking An Analysis of the Comparative Performance of different bank Groups, The Journal of the Indian Institute of Bankers, Vol.72, No.3, July, pp.3-23, Anantharam Iyer T.V., Banks Supervision and the Management of Non- Performing Advances, The Journal of the Indian Institute of Bankers, Vol.70, No.2, April-June, pp.7-9, Anuhuwalia M.S., Second Generation reforms in Banks Major Issues, Paper presented at the Bank Economists Conference, Jan, New Delhi, Anurag, Causes for Non-performing Assets in Public Sector Banks, Feb,

8 Arjun K. Sengupta, The Financial Sector and Economic Reforms in India, The Journal of the Indian Institute of Bankers, Vol.66, No.1, Oct-Mar,1995, pp Arora Sangeeta and Kaur Shubpreet, Financial Performance of Indian Banking Sector in Post Reforms Era, The Indian Journal of Commerce, Ashok Kurana Dr. and Mandeep Singh Dr., NPA Management: A study of New Private Sector Banks in India, Indian Journal of Finance, Sept, 2010, pp Avudaiammal B. and Vasanthi G., NPAs of Urban Cooperative Banks in India, Southern Economist, Dec, 2009, pp Badade K. and katkar M., Foreign Direct Investment in Banking Sector-A Boon in Disguise, Dec, Badar Alam Iqbal, Performance Appraisal Commercial Banks, The Banker, March, pp32-35, Baiju S. Garbrial and Simon Thattel, Performance Banks with Non-performing Assets: An analysis of NPAs, Yojna, Mar 2000, pp.5-9. Balachandran Nair K.K., Banks and Non-performing Assets, Economist, Nov 15, 1999, pp Southern Ballabh Janaki, The Indian Banking Industry : Challenges Ahead, IBA Bulletin,Vol.23, Nos.4 & 5, April-May, 2001, pp Banmali O.P., Life Line of Banking New RBI Formula for NPA Recovery, IBA Bulletin, Basu and Sankarshan, Risk Management in the Indian Banking : Need for a New Paradigm, The Chartered Financial Analyst, Vol.xii, Issue 1o, Oct, pp.65-69, Benardo Maggi and Marco Guida, Modelling non-performing loans probability in the commercial banking system: efficiency and effectiveness related to credit risk in Italy Springer-Verlag,

9 Bhatia, Non-Performing Assets of Indian Public, Private and Foreign Sector Banks: An Empirical Assessment, Icfai Journal of Bank Management, Vol. 6, No. 3, pp. 7-28, Bhatia, Saveeta and Verma Satish, Factors Determining Profitability of Public Sector Banks in India: An Application of Multiple Regression Model, Prajnan, Vol.XXXVII, No.4, Bhavani Prasad G. V. and Veena D., NPAS in Indian banking sector- trends and issues, Vol. 1, Issue 9, Bloem A.M. and Goerter C.N., The Macroeconomic Statistical Treatment of Non-Performing loans, Discussion Paper, Statistics Department of the IMF, Decembere1, Chakraborthy K.C., Management of NPAs: Trends and Challenges, Chartered Financial Analyst, Indian Banking Special, Oct 2005, p Chavan V.M., and Sangapur N.B., Dimensions of NPAs in UCBs: Micro Study, Southern Economist, June 1, 2010, p.5-6. Das A. and Ghosh S., Determinants of Credit Risk, Paper presented at the Conference on Money, Risk and Investment held at Nottingham Trent University, Nov, Das S. and Bose S.K., Risk Modelling A Markovian Approach, The Alternative, Vol.IV, No.1, March 2005, p Debanth and Kalyan, Managing Non-Performing Assets: A Professional Approach for Better Asset Management, IBA Bulletin, Vol.XVI, No.5, May, Irfan Ahmad Dr., Banking Sector Reforms in India Since Liberalization, Monthly public opinion surveys, 2007, p Janadhran G. Naik Dr., NPAs Management challenges before banking sector, The management accountant, vol. 41,no. 5, may, 2006, p Jasbir Singh Deswal Dr., Anand Singh Kodam, Shailander Mehra and Rajiv Deshwal, Non-performing Assets in Public Sector Banks and Their Resolving Method in India : An Analysis, Monthly Public Opinion Surverys, Jan,

10 Sudarsana Murthy D. and Narasaiah P.V., Performance of Regional Rural Banks An Analytical Review, Published in Monthly Commentary on Indian Economic Conditions, Sept, 2009, p Durshan N.V., The Secret of Recovery, IBA Bulletin, May, Erasi K., Hossain, and Md. Altaz., Nationalization of Banks in respect, Accounting and Finance, Vol.14, No.2, Sept, Geeta Chug, Foreclosure Laws: Right Medicine, Small Recoveries, IBA Bulletin, August 2003, p Ghosh S. and Das A., Market Discipline, Capital Adequacy and Bank Behaviour. Economic and Political weekly, Vol. 40, 2005, p Gnashing P., Determinants of Profits and Profitability of Public Sector Banks in India: A profit function approach, Journal of Financial Management and Analysis, Jan June, Gulati A. and Seema Bathla, Institutional Credit to Indian Agriculture Defaults and Policy Options, Occasional Papers 23 NABARD, Mumbai, Gupta and Amitabh, CAMEL Approach A Case Study of SBI, Prajnan, Vol.2, No.1, Jan June, Gupta V.K., Whether Defaulters can get Indulgence of DRT s New Opportunities to Banks for Recover, IBA Bulletin, June 2004, p Harpreet Kaur and Pasricha J.S., Management of NPAs in Public Sector Banks, The Indian Journal of Commerce, Vol.57, No.2, April-June, 2004, p He and Dong, International Monetary Fund, Resolving Non-performing Assets of the Indian Banking System, Sept, Indira Rajaraman and Garima Vasista, Non-performing Loans of PSU Banks, Some panel results, Economic and Political Weekly, Feb, Indira Rajaraman, Sumon Bhaumik and Namita Bhatia, A variation across Indian Commercial Banks: Some Findings, Economic and Political Weekly, Jan 16-23,1999, p

11 Jaya Agnani, NPAs in Banks: A Syndrome Probing Remedy, International Journal of Research in Commerce and Management, Vol. No.1, Issue No.5, Sept, 2010, p Jayakumar S. and Subbiah A., Deposit Mobilisation and Lending Performance of Commercial Banks in India, Monthly Opinion Surveys, Dec, 2009, pp Jiaqin Yang, Mike Whitefield and Rina Bhanot, E-Banking in Rural Area - Recent Trend and Development: A Case Study, Communications of the IIMA, Jigar J. Soni, A Project on Comparative Analysis on Non Performing Assets of Private and Public Sector Banks, IBM Ahmadabad, Joshi Hemlata, Net NPAs of Public Sector Banks, Journal of Banking and Finance, Sept, Kanika Goyal, Empirical Study of Non Performing Assets Management of Indian Public Sector Banks, APJRBM Vol.1, October Kannan R., Dainty Narain and Gosh Saibal, Determinates of Net Interest Margin Under Regulatory Requirement: An Economic Study, Economic and Political Weekly, Vol.XXXVI, No.4, Jan 27-2, 2001, p Kaur Harpreet Pasricha J. S., Management of NPAs in PSBs,The Indian journal of commerce, april-june, Vol. 57, No. 2, 2004,p Kaveri, V.S., (1998), Prevention of NPAs Suggested Strategies, National Institute of Bank Management Seminar,1998. Khan M.Y., NPAs Recovery Blues, Business Line, 2 nd, Feb, Khasnobi S., NPAs Emerging Challenges, Indian Bankers, A monthly journal published by the Indian Banks Association, Vol.11, Nov, 2006, p Krishna A.R., An Analysis of NPA in Indian Commercial Banks, Journal of Commerce and Trade Vol. 3. No. 2. Oct, Krishna Mohan V. and Surya Chandra Rao D., Managemenr of Non-performing Assets in Scheduled Commercial Banks, Geetam Journal Management, Vol.5, No.2, April June, 2007, p

12 Kulakarni P.R. and Sete N.B., Credit Flow to Small Scale Industry during the Post-reforms Period, IBA Bulletin, Nov, 2001, p Laxminarayana Ramanathan and Gurav A.M., Commercial Banks in SHG Bank Linkage Programme: An Analysis of SBI, Southern Economist, Nov, 2010, p Majumdar and Aloka, NPAs: Recovery Blues, Business India, Nov 2000, p Marjit S., Financial Sector Reform for Stimulating Investment and Economic Growth The Indian Experience, Centre for Studies in Social Science, Calcutta, 2002, p.25. Mathur K.B.L., Development Financial Institutions at the Crossroads, Economic and Political Weekly, 22 nd, Feb, 2003, p Mohan N.J., Monteiro and Ananthan B.R., NPAs in Public Sector Banks: Causes and Cures, An Analysis of Managers Perception, The Indian Journal of Commerce, Vol.62, No:2, April-June 2007, p Money and Banking Division of the Economic Research Department of State Bank of India, Performance Analysis of the 27 Public Sector Banks, SBI Monthly Review, April, Mor, Nachiket and Sharma Bhavna, Rooting Out Non-Performing Assets, ICICI Research Paper, Sept, Mulye V, Sharma A and Sabnavis M., Valuation of NPAs, ICICI Research Paper Mar, Muniappan G.P., Management of Challenges in Banks, NIBM Annual Day Celebration, Pune, Muniyappan G.P., The NPA Overhang Magnitude, Solutions, Legal reforms, speech at cii Banking Summit, published in RBI Website, April 11, Nachane D.M., Ghosh and Saibal, Capital Adequacy and Credit Rating: Preliminary Evidence from Indian Public Sector Bank, Economic and Political Weekly, January 29, 2000, p

13 Nair S. and Tara, Rural Financial Intermediation and Commercial Banks Review of Recent Trends, Economic and Political Weekly, January 29, 2000, p Nettime N. and Kuruba G., Reforming Banking and Financial Sector in the Context of Economic Restructuring, 2000, p Nigamananda Biswas, Banking Sector in India: Challenges Ahead, Southern Economist, Nov 15, 2009, p.5-7. Pate A.P, Non-Performing Assets Causes, Consequences and Cures, Management Accountant, Nov, Reserve Bank of India Bulletin, July, Patel K.V. and Kaveri V.S., Non-performing Advances in Priority Sector A Study, IBA Bulletin, June 1998, p Patel Urjit R., Out look of the Indian Financial Sector, Economic and Political Weekly, Vol.XXXV, No.45, Nov. 4, 2000, p Patra M. D., Strengthening Indian Banking and Finance - Progress and Prospects, Prashanth K Reddy, A comparative study of Non Performing Assets in India in the Global context - similarities and dissimilarities, remedial measures, Oct, IIM Ahmadabad, India, Professional Bankers Research Team, NPAs Ground realities, Chartered Financial Analyst, April, Puhazhendhi V., and Jayaraman B., Rural Credit Delivery: Performance and Challenges before Banks, Economic and Political Weekly, Jan, 1999, p Radhika R., Non-performing Assets: A study of scheduled commercial banks in India, International Journal for Research in Commerce and Management, Vol.No.1, Issue No.1, May, Raghupathy S., South Indian Banks: A brief price new look, Industrial Economist, 30 th, Jan - 14 th, Feb,

14 Rais Ahmad and Nasirullah Bhat, Recovery Performance of District Cooperative Banks In J & K State, Monthly Public Opinion Survey, Aug, 2004, p Rajan, Rajiv and Dhal Sarat Chandra, RBI occasional papers, Vol.24, No.3, Rajana Kumar, NPA Management for Better Banking, Proceedings of the Bank Economist Conference Bank with new millennium, 2000, p Rajendran P. and Karthikeyan K., Impact of NPAs on Micro Banking Variables, Southern Economist, May 15, 2008, p.5-8. Rajini Saluja and Roshan Lal, Comparative analysis on Non-performing Assets (NPAs) of Public Sector, Private Sector and Foreign Sector Banks in India, International Journal of Research in Commerce and Management, Vol. No.1, Issue No.7, Nov, 2010, p Ram Mohan T.T., Deregulation and Performance of Public Sector Banks, Economic and Politicl Weekly, Vol.XXXVII, No.5, Feb , p Ramachandra Reddy, Vijayalu Reddy and Sakuntala, Management of NPAs in Public Sector Banks, Yojana, Sept 2001, p Rao D. Nageswara, Indian Banking in the New Scenario, Front Line, October- November Reddy B. and Rama Chandra and Reddy S. Vijayulu, Banking Sector Reforms in India A Review, Internet Edition, Business Line, Nov.19, Reserve Bank of India, NPAs in Indian Commercial Banks, Published in Southern Economist, Sept, 1999, p Ritu Goyal and Rajindar Kaur, Performance of New Private Sector Banks in India, The Indian Journal of Commerce, Vol.61, No.3, July-Sept, 2008, p Roopak Kumara Gupta and Ekta Sikarwar, Financial Performance of Indian New Private Sector and Public Sector Banks: Comparison, BVIMSR s Journal of Management Research, Vol.2, No.1, April, 2010, p

15 Sandeep Sharma, Rajush Sharma, Manish Didwania and Siddharth Mittal, Performance of Indian Public Sector Banks with special reference to Non-performing Assets, The Indian Journal of Commerce, Vol.63, No.3, July-Sept, 2010, p.63. Sangeeta Arora and Shubapreet Kaur, Diversification in Banking Sector in India Determinants of Financial Performance, The Indian Journal of Commerce, Vol.61, No.3, July-Sept, Sangeeta Arora and Shubapreet Kaur, Financial Performance of Indian Banking Sector in Post Reforms Era, The Indian Journal of Commerce, Vol.59, No.1, Jan-Mar Sardar Gujaral N.S., Asset Quality and Management of NPAs, The journal of the Indian Institute of Bankers, Vol.74, No.2, April June, 2003, p Satish P. and Gopalakrishna C.K, Viability of Rural Banking, Economic and Political Weekly, Vol.XXXII, No.42, Oct 18, 1997,p Satyanarayana K., Feasible NPA Levels of Banks for Capital Account Convertibility, Prajnan, Vol.XXVI, No.3, 1997, p Shalu rani, A study on NPAs with Special reference to SCBs of India, RMS journal of management & IT, vol. 5, June, 2011, p Sharma S.G. and Bardia S.C., Managing NPAs in Banks, Indian Journal of Accounting, Vol.XXXIII, June 2003, p Sharma Mandira and Nikaido Yuko, Capital Adequacy Regime in India: An Overview. Indian Council for Research on International Economic Relations, Working Paper No. 196, Shinde S.R. and Kaveri V.S., Management of Non-performing Advances, The Journal of the Indian Institute of Bankers, Vol.63, No.2, April June, Singla, H. K. Financial Performance of Banks in India, The ICFAI Journal of Bank Management, 7 (1): 50-62, Sinha and Ram Pratap, Capital Adequacy of Indian Commercial Banks: Some Empirical Results, The ICFAI Journal of Financial Economics, Vol. IV, Issue-1, p.26-44,

16 Siva Kumar V. and Sundar K., Loan Assets Management in SBI, Southern Economist, July 15, 2010, pp.5-8. Somanadevi Thiagarajan, Ayyappan S. and Ramachandran A., Market Discipline, Behavior and Capital Adequacy of Public and Private Sector Banks in India European Journal of Social Sciences, Vol. 23, Number 1, pp , Subramani R., Venkata and Raghavan, Operational Efficiency of Banks, Banking in the New Millennium Issues, Challenges and Strategies, in Guruswamy S, Deep and Deep Publications, 2001, p Sudhakar V.K., Management of NPA Menance in Banks, IBA Bulletin, April 1998, p Suresh R., Management of Non-performing Assets in Regional Rural Banks A case study of Pandyan Grama Bank (PGB), Indian Journal of Finance, Oct, 2010, p.37. Taori K.J., Problems and Issues relating to Management of NPAs of Banks in India Thampy Ashok and Baheti Rajiv, Economic Value Added in Banks, The ICFAI Journal of Applied Finance, Vol.17, No.1, Jan, Usha Arora, Bhavana Vashist and Monica Bansal, An Analytical Study of Growth of Credit Schemes of Selected Banks, The Icfai University Journal of Services Marketing, Vol.VII, No.1, 2009, p Reports: Banking Statistics, Reserve Bank of India, RBI Report on Trends and progress of Banking in India from Global Financial Stability Report, April 2099, IMF. IBA, Performance Highlights of Public, Private and Foreign Banks in India, IBA publication, Mumbai (various issues). 332

17 RBI, Report on Trends and Progress of Banking in India, RBI publication, Mumbai, (various issues). R.B.I Master circular - prudential norms on income recognition, assets classification and provisioning pertaining to advances July 1st Report on trend and progress of banking in India to Pdf. Reserve Bank of India, Report on Trend and Progress of banking in India, Various issues, Bombay, India. Report on Trend Progress Report, RBI, Dec.10, P Annual Report, RBI, , p RBI, Report on Trend and Progress of Banking in India, various issues. Economic Review" Foreign Invest flows to India RBI Annual report (September). RBI, Report on Trend and Progress of Banking in India, various issues. Websites: mbaknol. com/businessfinance/ eurojournals.com/mefe.htm

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