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The Effect of Information Technology on Banking Efficiency

Vol. 58, Issue No. 37, 16 Sep, 2023
Ahmad Shadab Khan, Abdulla

The effect of information technology in the Indian banking sector is analysed using the stochastic frontier production model to estimate technical efficiency during 2002–18. The evidence suggests that the adoption of IT has a positive and significant impact on the performance of banks. On average, nationalised and new private sector banks are more efficient than foreign ones, while old private sector banks have fallen back in efficiency. While a higher number of bank employees adversely impacts efficiency, greater capital positively impacts banking performance. It is also found that IT-led performance is a promising strategy for a multiplier effect on banking performance. 

Public Sector Bank Mergers

Vol. 52, Issue No. 29, 22 Jul, 2017
R Krishnamurthy

The slowdown in the economy and the resultant rise in bad loans have led to criticism of public sector banks and questioning of their raison d’être. While there is a rush to find a quick solution by merging PSBs, it would be wise to examine the ground realities closely. India needs a mix of efficiently run PSBs and aggressive private banks to achieve growth and development along with social justice.

Public Sector Banks Are Adrift

Vol. 51, Issue No. 42, 15 Oct, 2016
T T Ram Mohan

With credit and deposit growth slowing in key sectors and only retail credit growing, low capital adequacy ratios of banks, senior management changes in the offi ng, and bank mergers, the National Democratic Alliance government needs to ask itself what it envisages for public sector banks, and indeed for the Indian economy.

A Banker's Account

Vol. 51, Issue No. 37, 10 Sep, 2016
S L Shetty

No Regrets by D N Ghosh; New Delhi: Rupa Publications, 2015; pp xi + 375, ₹695 (hardcover).

Concentration, Collusion and Corruption in India’s Banks

Vol. 51, Issue No. 29, 16 Jul, 2016
Sumit K Majumdar

Why would companies, for whom costs rise with higher interest rates, choose to amass credit as interest rates rise? Were more and more loans taken with the understanding that default would be inevitable? Only a commission of inquiry with a specifi c mandate to understand the years of loose lending by banks in India can answer these and other uncomfortable questions. These answers are needed in the interest of securing our economy, and indeed our democracy.

Obituary : Raj Kumar Talwar

Vol. 37, Issue No. 19, 11 May, 2002
A V Rajwade

The story of R K Talwar's sacking from the State Bank of India is very well known - at least to a different generation. It was during the emergency. Talwar had refused to oblige the powers that were by granting loans to their cronies. There was then no provision in the SBI Act to terminate the services of the chairman. The Act had to be - and was - amended to sack him.

Governance in Banks : Cleaning the Augean Stables

Vol. 37, Issue No. 16, 20 Apr, 2002

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