REFERENCES: Ballabh J (2002), Unleashing Employee Productivity: Need for a Paradigm Shift, IBA Bulletin, Vol24, No. 3, pp 7-9.

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1 REFERENCES: Agarwal Pankaj K et al (2011), Performance of Public Sector Banks in the New Economy: A Comparison with Private Sector Banks, Bank Quest, Vol 82, No 4, pp Aggarwal A K, Singh D and Chaturvedi N (2007), India s Banking sector consolidation and convergence: Balancing on the brink., Punjab Journal of Business Studies, Vol 3, No. 2, pp Arora U and Verma R (2005), Banking Sector Reforms and Performance Evaluation of Public Sector Banks in India, Punjab Journal of Business Studies, Vol. 1, No 1, pp 11. Avinandan Mukherjee, Prithwiraj Nath, Manabendra Nath Pal (2002), Performance benchmarking and strategic homogeneity of Indian banks, International Journal of Bank Marketing, Vol 20, Iss 3, pp Ballabh J (2002), Unleashing Employee Productivity: Need for a Paradigm Shift, IBA Bulletin, Vol24, No. 3, pp 7-9. Bhinde M G, Prasad A and Ghosh S (2002), Banking Sector Reforms A Critical Overview, Economic & Political Weekly, pp Bisht N S, Mishra R C and Belwal R (2002), Liberalisation and its Effects on Indian Banking, Finance India, Vol 16, No 1, pp Brinda J and Dubey A K (2007), Performance of Public Sector Banks: An Econometric Analysis, The Indian Banker, Vol 2, No 12, pp

2 Das A (2000), Efficiency of Public Sector Banks: An Application of Data Envelopment Analysis Model, Prajnan: Journal of Social and Management Sciences, Vol 28, No 2, pp Das M R (2001), Performance analysis of the Private Sector bank , SBI Monthly Review, pp Das Uday Kumar Lal (2002), Banking reforms and lead bank scheme, Deep and Deep Publications Private Ltd, New Delhi, pp Gupta S and Verma R (2008), Changing Paradigm in Indian Banking, Professional Banker, pp Ketkar Kusum W (2008), Performance and Profitability of Indian Banks in the post reform period, The International Journal of Finance, Vol 20, No 3, pp Kohli, Renu (1999), Rural Bank branches & Financial reforms ; Economic & Political Weekly, Vol 34, No 3-4, pp Lakshmi Kumar, D Malathy, L.S Ganesh (2011), The diffusion of ATM Technology in Indian Banking, Journal of Economic Studies, Vol 38, Iss 4, pp Malhotra Pooja and Singh B (2010), Experience in Internet Banking and performance of banks, International Journal of Electronic Finance, Vol 4, No 1, pp

3 Manjula Kumara Wanniarachchige et al (2011), How does Ownership Affect Bank Performance? The Case of Indian Commercial Banks, International Business and Economics Research Journal, Vol 10, No 3, pp Mukherjee A, Nath P and Pal M N (2002), Performance Benchmarking and Strategic Homogeneity of Indian Banks, International Journal of Bank Marketing, Vol 20, No 3, pp Padwal S M (2004), Data Warehousing and CRM in Banking, Vinimaya, Vol 25, No 1, pp Pathak B (2003), A Comparison of the Financial Performance of Private Sector Banks, Finance India, Vol 17, No 4, pp Prasuna D G (2004), Performance Snapshot , Chartered Financial Analyst, Vol 10, No 11, pp Raju M Thiripal et al (2010), The cost of Equity for Indian Banks: A CAPM Approach, Prajnan, Vol 39, No 3, pp Mukherjee A, Nath P and Pal M N (2002), Performance Benchmarking and Strategic Homogeneity of Indian Banks, International Journal of Bank Marketing, Vol 20, No 3, pp Ramachandra Reddy, B Vijayulu Reddy and Sakunthala (2001), Management of NPAs in Public Sector Banks, Yojana, pp Ram Mohan T T (2002), Deregulation and performance of Public Sector Banks, EPW, Vol 37, No 5, pp

4 Saha Asish and T S Ravishankar (2000), A DEA Approach, European Journal of Operational Papers, Vol 114, No 3, pp Satish D, Jutur S and Surender V (2005), Indian Banking Performance and Development , Chartered Financial Analyst, Special Issue Oct, pp Shanmugam K R and Lakshmansamy T (2001), Production Frontier and Efficiency Measures: An Analysis of the banking sector in India, Asian African Journal of Economics and Econometrics, Vol 1, No 2, pp Sheeba Kapil et el (2003), Benchmarking performance of Indian Public Sector Commercial Banks, Indian Journal of Accounting, Vol 34, pp Shrivastava Urvashi et al (2011), Evaluating the performance of Axis Bank in terms of Capital Adequacy using financial indicators, International Journal of Management & Business Studies, Vol 1, Iss 3, pp Siraj K K et al (2011), Asset Quality and Profitability of Indian Scheduled Commercial Banks during Global Financial Crisis ; International Research Journal of Finance and Economics, Iss 80, pp Sooden M and Bali M (2004), Profitability in the PSBs in India in the Pre and Post Reform Period, Indian Management Studies Journal, Vol. 8, No. 2, pp Srivastava R M (2006), Indian Commercial Banks on Path towards Competitive Efficiency, Vinimaya, Vol.27, No.3, pp

5 Sunil Kumar, Rachita Gulati (2009), Measuring efficiency, effectiveness and performance of Indian Public Sector Banks, International Journal of Productivity and Performance Management, Vol 59, Iss 1, pp Subrahmani, R Venkat and Raghavan K S (2001), Operational efficiency of bank, Banking in the new millennium; Issue Challenges and Strategies, Deep and Deep Publications Private Ltd, New Delhi, pp Uppal R K (2010), Indian Banking: Emerging Issues and enhancing competitive efficiency, The IUP Journal of Business Strategy, Vol 7, No 1 & 2, pp Veni P (2004), Capital Adequacy Requirement of Commercial Banks: A Study in Indian Context, GITAM Journal of Management, Vol 2, no 2, pp

6 5

Several literatures have been reviewed for this study, among them few are as follows:

Several literatures have been reviewed for this study, among them few are as follows: LITERATURE REVIEW: Several literatures have been reviewed for this study, among them few are as follows: Agarwal Pankaj K et al (2011) made an attempt to compare the performance of PSBs with their Private

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24. Chhimpa J (2002), Incremental NPA: Stem that inflow, Vinimaya, 23(3): pp Choudhary Vikas, Tandon Suman(2011), Performance of

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