Bibliography. Aggrawal, H.N. (1977),"A Portrait of Nationalized Banks", Inter-India Publication, Delhi.

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2 Bibliography Books Aggrawal, H.N. (1977),"A Portrait of Nationalized Banks", Inter-India Publication, Delhi. Avadhani V.A., "Studies in Indian Financial System", Jaico Publishers, Bombay, Bajpai S.R. (1960), "Methods of Social Survey and Research", Third Edition, Kitab Ghar, Delhi Bhattacharya B.B. (1998), "Financial Reforms & Financial Development in India", First Edition, Excel Books, New Delhi Bhole L.M.(1999), "Financial Institutions & Markets", Third Edition-Tata Me Grawhill, New Delhi. Bidani S.N. (2002), "Managing NPA's in Banks", First Edition-Vision books, NewDelhi Bilgrami, S.A.R. (1988), "Growth of Public Sector Banks-A Regional Growth Analysis", Deep & Deep Publication, Delhi. Bogan (1994), "Benchmarking for Best Practices", Me Graw Hill Inc., NewYork. Charles, R. Wittlesey (1958), "Principles and Practices of Money and Banking", Macmillan, NewYork Carter H. and Parington (1979),"Applied economics in Banking & Finance", Oxford University Press, New York. Das, Debendra Kumar (1993),"Structural Adjustment in the Indian Economy", Deep & Deep Publications, Delhi. Debendra Kumar, Das (1999), "Financial Sector Reforms,Tax System and Development", Deep & Deep Publications, Delhi. Edward W. Reed, "Commercial Banks Management", Publishers, New York Haffer and Row Engel J.F.& Blackwell R.D. Dryden, "Consumer Behaviour", Press London, London. 200

3 Frank, M. Sana (1996), "Organisational Structure and the Process of Bank IVIanagement, "Tiie Bankers Handbook" (ed.), William, H.Baughan and Charles E.Walker, lllinos; Irwin Inc, Homewood. Gopal Karkal (1977),"Perspectives in Indian Banking", Popular Prakasan, Bombay. Gunnar Myiual (1968), "Asian Drama-An Enquiry into the Poverty of Nations, Vol. II, The Twentieth Century Fund Inc., London. Haiman, Theo (1982), "Professional Management," Euransis Publishing House Private Limited, New Delhi. ICFAI, "Banking Strategy Volume I", ICFAI Publications,Hyderabad, ICFAI, "Banking Strategy-Volume II", ICFAI Publications, Hyderabad, 2002 Jalan Bimal (1991), "India's Economic Crisis: The Way Ahead", Oxford University Press, New York. Jaspal Singh (1994),"Introduction to Methods of Social Research", Second Edition, Sterling Publishers Private Limited, New Delhi Jhingan M.L. & S.C.K. Jhingan (1994), "Currency & Banking", First Edition- Konark Publishers, Delhi Khan M.Y. (2000), "Indian Financial System", Second Edition, Tata Me Grawhill, New Delhi Koontz O'Donnel (1972), "Principles of Management-An Analysis of Managerial Functions", McGraw Hill Company, New Delhi Kothari C.R. (1996), "Research Methodology", Second Edition, Wishwa Prakashan, Delhi. Kumar T. Ravi (2000), "Indian Banking-Issues and Challenges",Vision Books, New Delhi Leie M.M. and J. Sheth (1987), "The Customer is the Key", Wiley Publishers, New York Leon G. Schiffman & Leslie Lazar Kanuk (2000), "Consumer Behaviour", Sixth edition. Prentice Hall India Ltd, NewDelhi Lester V. Chandler (1997), "The Economics of Money & Banking", Sixth Edition- Harper International Edition 201

4 Machiraju H.R. (2000), "Indian Financial System", Fifth Reprint-Vikas Publishers, NewDelhi Mahajan V.S. (1984), "Studies in Indian Banking & Finance Vol. 1", Deep & Deep Publications, Delhi Mahajan V.S. (1985), "Studies in Indian Banking & Finance Vol. 2", Deep & Deep Publications, Delhi Maheswari S.N., R.R. Paul (2002), "Banking & Financial Services", Fourth Edition- Kalyani Publications, New Delhi Malik, Vijay (1989), "Law Relating to Banking and Financial Institutions", Eastern Book Co., Lucknow Mathur, B.L. (1989), "Indian Banking Performance Problems and Challenges," National Publishing House, Jaipur Mishra M.N. (1998), "Modern Marketing Research", First Edition, Himalaya Publishing House, Mumbai Murthy S. (Mrs.) (1997), "Financial Sector Reforms & Economic Growth in India", First Published, RBSA Publishers, Delhi Narasimham M. (2002), "Economic Reforms-Development and Finance", First Published, UBSPD, NewDelhi Philip Kotler(1997), "Marketing Management", Ninth Edition, PHI, NewDelhi Quddas Mohammed (1976), "Control of Commercial Banks in India", Sahitya Bhavan, Agra Ravi Kumar, T. (2000), "Indian Banking in Transition", Vision Books Pvt. Ltd., Delhi Reddy & Appanaiah (2000), "Theory & Practise of Banking", Fourth Edition- Himalaya Publishing House, Mumbai Richard Handscomb, et. al. (1976), 'Establishing a Framework of Bank Objectives/ "Bankers Management Handbook", Tata McGraw Hill Book Company, London Rituparna Rai (1999), "A study in Business Ethics", First Edition, Himalaya Publishing House, Mumbai Savankar, D.S. (1938), "Joint Stock Banking in India", Popular Depot, Bombay 202

5 Sharma, B.P. (1974), "The Role of Commercial Banks in India's Developing Economy", Sultan Chand and Company Private Limited, New Delhi. Shiva Kumar M. and Prakash M. (1999), "Project work guidelines". First Edition, Himalaya Publishing House, Mumbai Srivastava, R.M. Divya Nigam (2001), "Management of Indian Financial Institutions", Himalaya Publishing House, Mumbai Suja R. Nair (2000), "Consumer Behaviour (Text & Cases)", Himalaya Publishing House, Mumbai Tandon, Prakash (1989), "Banking Century-A Short history of Banking in India and the Pioneer: Punjab National Bank", Viking Penguin Book India Ltd., New Delhi Tarapore S.S. (2000), "Issues in Financial Sector Reforms", UBSPD, NewDelhi. Tarapore S.S. (2000), "Twists & Turns in Financial Reforms", First Edition, UBSPD, NewDelhi Tannan, M.L. (1989), "Banking Law and Practice in India", 18'^ Edition, Orient Law House, New Delhi Vaish M.C. (1999), "Macro Economic Theory", 11 Revised Edition, Vikas Publishers, New Delhi Vasanth C. Joshi & Vinay C. Joshi (1998), "Managing Indian Banks", First Edition, Response Books, New Delhi. Vasant Desai (1987), "Indian Banking-Nature and Problems", Himalaya Publishing House, Mumbai Verma J.C. (1989), "A Manual of Merchant Banking", Bharat Law House, New Delhi William J. Goode & Paul K. Hart (1981), "Methods in Social Research", International Edition, Me Graw Hill 203

6 Journals, Magazines & News Papers Alok Majundar (2003), "Passport to Growth", Business India, Mumbai, 27 Oct. 9 Nov. Ashok K. Nag, Abhiman Das (2002), "Credit Growth and Response to Capital Requirements", Economic and Political Weekly, Mumbai, 10 August. ATM, Business Line, Hyderabad, September 20, ATM, Business Standard, Hyderabad, May 29, ATM, Business Standard, Hyderabad, May 9 and July 25, ATM, Business Standard, Hyderabad, May 29, Avinash Celestine (2002), "Securitization Act", Business World, NewDelhi, 23 December. Banks Pick of the Season, "ET 500", Economic Times, Hyderabad, December, Bansal S.P (2000), "Job Satisfaction Among Bank Officers", Business Revierv, Mumbai, January. "Banking and Finance in the New Millennium", The Hindu, Bangalore, January Berry L.L. (1985), "Relationship Marketing", in Emerging Perspectives in Services Marketing, L.L. Berry, G L Schostack and G D Upah, eds, American Marketing Association. Best Banks, 2002, Business India, Mumbai, 25 Nov-8 Dec Bhattacharya, A.K. (1991), "The Road-blocks to Reform", Economic Times, Monday, 23 Sept. "BoB Paves Way for Single Window Banking", Business Standard, Hyderabad, April 10, "BS1000 Companies"(2002), Business Standard, Hyderabad, December, Correspondent, "What ails Public Sector Banks?" The Hindu, Bangalore, January Data Bank-Banking Annual, Business Standard, Hyderabad, November Data Bank -Banking Annual, Business Standard, Hyderabad, October

7 Datar M.K. (2002), "Redefining Debtor- Creditor Relationship", Economic and Political Weel<ly, Mumbai, 14 September Dass S.L. (1984), "HRD in Banking Industry", Journal of Training & Development, Vol. 14, Jan-March Dharmalingam Venugopal (2003), "PSB's a Complete Make Over", Professional Banker, ICFAI, Hyderabad, August "Dormant Resources Outside Banking Sector", Pigmy Economic Revieio, Vol. 33, No. 6, June, 1988 Errol D' Souza (2000), "Prudential Regulation in Indian Banking", Economic and Political Weekly, Mumbai, January 29 Errol D' Souza (2002), "How well have Public Sector Banks Done?",' Economic and Political Weekly, Mumbai, 2 March Figure Bank, Professional Banker, ICFAI Publications, Hyderabad, June 2003 Ghosh D.N. (2002), "Governance, Culture and Adaptive Efficiency", Economic and Political Weekly, Mumbai, 4 May Ghosh D.N. (2000), "Weak Banks-A Strategy for Self Renewal", Economic and Political Weekly, Mumbai, January 29 Gupta, S.K. (1976), "Area Development Scheme-Alternative to Lead Bank", The Economic Times, Calcutta, July 10 Indira Rajaraman (1999), Suman Bhanmik, Namita Bhatia, "NPA Variations Across Indian Commercial Banks", Economic & Political Weekly, Mumbai, January "Indian Bankings", Business World, New Delhi, 8'^ September Indian Economic Panorama, New Delhi, October "India's Best Banks", Business Today, Delhi, 7 December 2003 "International Banking", Professional Banker, ICFAI, Hyderabad, July 2003 Jalan Bimal (1998), "Towards a more Vibrant Banking System", Journal of Indian Institute of Bankers, Mumbai, Oct- Dec Joshi P.N (1999), "Banking Sector Reforms-The Other side of the Coin", Economic and Political Weekly, Mumbai, April

8 Joshi, Navin Chandra (1983), "Revamping Indian Banking Structure", Journal of the Indian Institute of Bankers, July-Sept Kanika Goswami (2003), "Wealth Management", Special Advertising Feature, Business Standard, Hyderabad, May Kaplan R.S. and DP. Norton (1992), "The Balanced Scorecard Measures that Drive Performance", Harvard Business Review, January-February Kasturi Nageswara Rao (2003), "Good show by Public Sector Banks", Professional Banker, ICFAI Publications, Hyderabad, December Khurana A.S. (2003), "Banking on Peers", Business India, Mumbai, May Little, Ian M.D (1996), "Indian Economic Refoms", Economic Times, Bombay, 3 April Majumdar N.A. (1999), "Banking Sector Reforms: Second Coming", Economic and Political Weekly, Mumbai, 21 Nov and 28 Dec Mannur, A.G. (1996), "Transition to Second phase of Banking Reforms", Central Bank of Indian Economic Buletin, Vol. 16, No. 8, August Mathew Joseph, Rupa Rege Nitsure (2002), "WTO and Indian Banking Sector", Economic and Political Weekly, Mumbai, 15 July Mathur K.B.L. (2002), "Public Sector Banks in India, Should they be Privatized", Economic and Political Weekly, Mumbai, 8 June Me kitterick J.B. (1957), "What is the Marketing Management Concept", in Frontiers of Marketing Thought and Action, American Marketing Association, Chicago Mehtha S.P. (2003), "Lending Rates", Professional Banker, ICFAI Publications, Hyderabad, November Narasimham, N. (1992), "Banking Reforms", (The Summary of Narasimham Committee Report), Indian Overseas Bank Monthly News Review, Vol. 5, No. 10, January Narasimham, N. (1990), "Towards Financial Liberalization", Management Journal, Vol. 3, No. 2, July 2 "Non Performing Assets-Priority Sector", Business Standard, Hyderabad, December 11,

9 "Non Performing Assets", Business Standard, Hyderabad, July 1,2003. "NPAs", Business Line, Hyderabad, 27 September, 2003 "NPAs", Business Standard, Hyderabad, 11 December "Offshore Banking", Business Line, Hyderabad, May 16,2002 Padmanabhan B.S (1998), "Narasimham Committee Report: Revamping the Banking Sector", Yojana, July Pawar, B.B. (1988), "Indian Banking Profile for 1990s", The Journal of the Indian Institute of Bankers, Diamond Jubilee Special Issue, Vol. 59, No. 1 Pramod Guptha (2003), "Indian Banks going Innovative", Professional Banker, ICFAI Publications, Hyderabad, October Prasad R. (2002), "Credit Cards", Professional Banker, ICFAI Publications, Hyderabad, October Press Trust of India, "Jalan for Flexible Intrest Rate Regime", The Hindu, Bangalore, January 22, 2002 Purwar A.K. (2003), "Time lines". Business India, Mumbai, April Rama Chandran S. (2003), "Nationalisation of Banks-A Mirage", Industrial Herald, August Rao, K.V. (1990), "Reserve Bank of India Merits Greater Autonomy", The Hindu, Bangalore, June 7 Rashid Jilani (1999), "Non Performing Assets-Issues and Prospects", PNB Monthly Review, Vol. 21, No. 6, August Reddy, Y.V. (1997), "Competition in Indian Banking-Issues and Implications", Economic Bulletin, Volume 17, No. 2, Central Bank of India, Bombay Reserve Bank of India, Special statistics 31, Economic and Political Weekly, Mumbai, 2 February, 2002 Reserve Bank of India, Special Statistics 33, Economic and Political Weekly, Mumbai, 22 February, 2003 Reserve Bank of India, Special Statistics 36, Economic and Political Weekly, Mumbai, 20 March, 2004 Robert G. Ecles and Nitin Nohria (1992), "Beyong the Hype: Rediscovering the Essence of Management" Harvard Business School, Boston 207

10 Rohit Sarkar (2003), "The Financial Sector Reforms", Yojana, October Samil< Dasgupta (2000), "PSU Banks recover RS.297 Crore NPAs under one time Settlement Scheme", Economic Times, Hyderabad, 4 December Sandip K. Bhatt Some reflections on NPA's and Risk Management in Banks, Indian Economic Panorama, Special Banking Issue (2002), "Securitisation Act", Business Standard, Hyderabad, December 5, Shivamaggi H.B. (2000), "Reforms in Rural Banking -Need for Bolder Approach", Economic and Political Weekly, Mumbai. May 13 Singh, Dr. Manmohan (1992), "Economic Reforms to Harness Immense Development Potential," Yojana,Vol.36, No.4, March 15 Singh, R.K.P. Singh, R.P.N, and B.B. Singh (1987), "Financial Viability of Commercial and Regional Rural Banks in Bihar-A Case Study", The Journal of Indian Instuitute of Bankers, Vol. 58, No. 2, April-June "Snap Shot", Professional Banker, ICFAI Publications, Hyderabad, September, 2003 (2002), Special Banks 2003, Business India, Mumbai, 24 Nov., 7 Dec Suresh Krishna Murthy (2002), "Old Private Sector Banks Bent but not Broken", Portfolio Organiser, ICFAI Publications, Hyderabad, December. Rashid Jilani (1999), "Non Performing Assets-Issues and Prospects", PNB Monthly Review, Vol. 21, No. 6, August Reddy, Y.V. (1997), "Competition in Indian Banking-Issues and Implications", Economic Bulletin, Volume 17, No. 2, Central Bank of India, Bombay Reserve Bank of India, Special statistics 31, Economic and Political Weekly, Mumbai, 2 February, 2002 Reserve Bank of India, Special Statistics 33, Economic and Political Weekly, Mumbai, 22 February, 2003 Reserve Bank of India, Special Statistics 36, Economic and Political Weekly, Mumbai, 20 March, 2004 Robert G. Ecles and Nitin Nohria (1992), "Beyong the Hype: Rediscovering the Essence of Management" Harvard Business School, Boston 208

11 Rohit Sarkar (2003), "The Financial Sector Reforms", Yojana, October Samik Dasgupta (2000), "PSU Banks recover RS.297 Crore NPAs under one time Settlement Scheme", Economic Times, Hyderabad, 4 December Sandip K. Bhatt (2002), Some reflections on NPA's and Risk Management in Banks, Indian Economic Panorama, Special Banking Issue "Securitisation Act", Business Standard, Hyderabad, December 5,2002 Shivamaggi H.B. (2000), "Reforms in Rural Banking -Need for Bolder Approach", Economic and Political Weekly, Mumbai. May 13 Singh, Dr. Manmohan (1992), "Economic Reforms to Harness Immense Development Potential," Yojana,Vol.36, No.4, March 15 Singh, R.K.P. Singh, R.P.N, and B.B. Singh (1987), "Financial Viability of Commercial and Regional Rural Banks in Bihar-A Case Study", The Journal of Indian Instuitute of Bankers, Vol. 58, No. 2, April-June "Snap Shot", Professional Banker, ICFAI Publications, Hyderabad, September, 2003 Special Banks 2003, Business India, Mumbai, 24 Nov., 7 Dec, 2003 Suresh Krishna Murthy (2002), "Old Private Sector Banks Bent but not Broken", Portfolio Organiser, ICFAI Publications, Hyderabad, December Talwar, R.K. (1972), "Some Issues in Rural Banking", The journal of Indian Institute of Bankers, Vol. 42, No.2, Mumbai, April-June Tapora, S.S. (1998), "Need for Second Generation Banking Sector Reforms", Indian Institute of Bankers, Vol. 69, No. 2, Mumbai, April-June Tara S. Nair (2000), "Rural Financial Intermediation and Commercial Banks - Review of Recent Trends", Economic & Political Weekly, Mumbai, January 29 Taori, K.J. (2000), "Settlement Advisory Committee for Tackling Non-Performing Assets in Priority Sector," SBI Monthly Review, February "The Hindu Survey of Indian Industry", The Hindu, Chennai, Thingalaya N.K. (1998), "What ails Indian Banking Sector", Industrial Economist, 30 July to 14 August "Universal Banking", October 4, 2001, Business Standard 209

12 Vepa Kamesam (2003), "Computerisation in Banks", The Hindu Survey of Indian Industry, Chennai Venkatatamana, B., Nandy, P.K. and Sarat Chandra, A. (1985), "Regional Imbalances in Banking Development", United Commercial Bank Review, March Venu Gopal Rao K. (2001), "Banking Industry in India and Economic Reforms", Indian Economic Panorama, Special Banking Issue, Mumbai Vijay Kelkar (1999), "India's Emerging Economic Challenges", Economic and Political Weekly, Mumbai, August 14 Yash Paul Pahuja (2003), "State Bank of India", Professional Banker, ICFAI Publications, Hyderabad, April 210

13 IBA Publications "Financial Sector Reforms", IBA Bulletin, Indian Bankers Association, Mumbai, 1993 "Performance Highlights of Public Sector Banks, ", IBA Bulletin, Indian Bankers Association, Mumbai, 1999 "Performance Highlights of Public Sector Banks, ", IBA Bulletin, Indian Bankers Association, Mumbai, 2000 "Performance Highlights of Public Sector Banks, ", IBA Bulletin, Indian Bankers Association, Mumbai, 2001 "Performance Highlights of Public Sector Banks, ", IBA Bulletin, Indian Bankers Association, Mumbai, 2003 "Public Sector Banks Performance Highlights", IBA Bulletin, Indian Bankers Association, Mumbai, "Reforms in Indian Banking: ", IBA Bulletin, Special Issue, Indian Bankers Association, Mumbai, January, 1997 "Reforms in Indian Banking", IBA Bulletin, Indian Bankers Association, Mumbai,

14 RBI Publications Abhiman Das (1997), "Technical, Allocative and Scale efficiency of Public Sector Banks in India", Reserve Bank of India Occasional Papers, Mumbai, June & Sept Abhiman Das (1996), "Structural Changes and Asset Liability Mismatch of Scheduled Commercial Banks in India", Reserve Bank of India Occasional Papers, Mumbai Ajit D. & R.D. Bangar (1997), "Banks in Financial Intermediation-Performance and Issues", RBI Occasional Papers, Mumbai, June & September Bimal Jalan (2000), "Agenda for Banking in the New Millennium", Reserve Bank of India Bulletin, Mumbai, March Bimal Jalan (2003), "Statement on Monitory and Credit Policy for the Year ", Reserve Bank of India Bulletin Supplement, Mumbai, May Chakrabarty T.K. (1986), "Profitability of Banks", Reserve Bank of India Occasional Papers, Mumbai, June "Composition & Ownership Pattern of Deposits with Scheduled Commercial Banks-March 2002", Reserve Bank of India Bulletin, Mumbai, May, 2003 "Current Statistics", Reserve Bank of India Bulletin, Mumbai, April 2003 Malhotra R.N. (1990), "India's Monitory Policy and the role of Banking System in the Economic Development", Reserve Bank of India Bulletin, Mumbai, March Malhotra R.N. (1990), "The evolving of financial system". Reserve Bank of India Bulletin, Mumbai, October RBI History Vol. II RBI History Vol. I 212

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