REFERENCES. 1. Abott, K. (1988). Critical realism in industrial relations theory. AIRAANZ Conference, Waikato University, NZ. pp14-23.

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1 REFERENCES

2 REFERENCES 1. Abott, K. (1988). Critical realism in industrial relations theory. Current Research in Industrial Relation. Proceedings of the 10 th AIRAANZ Conference, Waikato University, NZ. pp Ajit D. (1997), Bank in Financial Intermediation: Performance & Issues RBI Occasional papers vol.18 No.2&3, pp Ahluwalia, Montek S (2002) Economic Reforms in India since 1991: Has Gradualism Worked? Journal of Economic Perspectives, Vol.16, No 3 pp Ammannaya, K. K. (2008), Transformation in Indian Banking Post- Reform Developments and Challenges Ahead, The Indian Banker, Vol.3, No.10, pp Bakshi, S. (2003). Corporate Governance in Transformation Times. IBA Bulletin, Vol 25 No 10,pp Berstain D. (2008), Home equity loans and private mortgage insurance: Recent Trends & Potential Implications, Vol.3, No.2, August 2008, pp

3 7. Bhukta, A (2002), Banking Sector Reform in India, A Study, Yojana, pp Boyd, W. L., Leonard, M. and White, C. (1994), Customer Preferences for inancial Services: An Analysis, International Journal of Bank Marketing, Vol. 12, No. 1, pp Bryman, A. and Bell, E. (2007). Business research methods. 2 nd ed. Oxford: Oxford University Press, pp Chakarborty, K.C (1999) Transfer Price Mechanism IBA Bulletin, Vol.21, No.465, pp Chakrabarti Rajesh and Chawla Gaurav (2005) Bank Efficiency in India since the Reforms: An Assessment Money & Finance ICRA Bulletin, pp Chidambaram (1994) Promotional Mix for Bank Marketing IBA Bulletin, Vol.16, No.3, pp Chipalkatti Niranjan and Rishi Meenakshi (2007) Do Indian banks understate their bad loans? The Journal of Developing Areas. Nashville:. Vol. 40, No. 2, pp

4 14. Churchill, G. A. and Iacobucci, D. (2002). Marketing research: Methodological foundations. 8 th ed. Orlando: Harcourt College Publishers, pp Clark, D., Lotto, L. and Astuto, T. (1984). Effective schooling and school improvement: A comparative analysis of two lines to inquiry. Educational Administration Quarterly 20, pp Das, A., (1997) Technical, Allocative and Scale Efficiency of Public Sector Banking in India RBI occasional paper, Vol.18, No.2&3, pp Devlin, J. F., (2002), An analysis of choice criteria in the home loans market, International Journal of Bank Marketing, Vol 20, No5, pp Dixit, V.C. (2004), Marketing Bank Products, IBA Bulletin, (April), p Dwivedi, R. (2007), Managing Marketing-Finance Interface, Journal of Commerce and Trade, Vol. 2, No. 2 (Oct.), p Farooqui, S.U. (2007), Marketing of Banking Services, Banking Finance Vol.20, No.9 152

5 21. Farooqui, S.U. (2008), Branchless Banking BB - A New Dimension of Financial Inclusion Banking Finance vol.21,, No Fanning (1982), The Demand for Home Mortgage Debt Journal of Urban Economics, Vol 11 No 2, November, pp Gadkari (2000), Corporate Governance: An agenda for Public Sector Banks Banking Finance (January) pp Garg, M. (1994). Profitability of Indian and Foreign Banks in India: Comparative Analysis, M. Phil. dissertation, Dept. of Economics, Delhi School of Economics, Uni. of Delhi, Delhi. 25. Godse (1983), looking a fresh at banking productivity, Journal of Real Estate Literature, Vol. No. 13, pp Goyal, K. A. and Joshi, V(2011). Mergers in Banking Industry of India: Some Emerging Issues. Asian Journal of Business and Management Sciences,Vol 1, No2,pp: , 27. Gurumurthy, N. (2004), Marketing Bank Products, IBA Bulletin, (April), p Gupta, O.,(1997) Emerging Issues in Service Marketing-Banks Experience, SBI Monthly Review, (Dec.), pp

6 29. Haavio, K (2000), Residential Lending to Low-Income and Minority Families: Evidence from the 1992 HMDA Data, Federal Reserve Bulletin, Vol.80 No2,, pp Hair, J. F. Jr., Anderson, R. E., Tatham, R. L. and Black W. C. (1998). Multivariate data analysis. 5 th ed. New Jersey: Prentice Hall 31. Hair, J. F. Jr. Block, W. C., Babin, B. J. Anderson, R. E. and Tatham, R. L. (2006); Multivariate data analysis. 6 th ed. New Jersey: Prentice Hall, pp Hanson, James A. (2001): Indian Banking: Market Liberalization and the Pressures for Institutional and Market Framework Reform, in: Working Paper Stanford University, No. 104, pp Hugar, R. S. (1998), Challenges to the Banking Industry, The Indian institute of Bankers, pp Joshi, P. N. (1999), Banking Sector Reforms; The Other Side of Coin, Economic and political Weekly, Vol 34, No 14;pp Jain, J. (1997) Managing Financial Risk in Banking The Banker vol.44 No.8, pp

7 36. Jain, A. (2007), Managerial Role in International Marketing Strategies, Journal of Commerce and Trade, Vol. 2, No. 2, pp Jain, JKamesam, V. (2001) Developments in the Indian banking Industry and the Emerging Challenges, IBA Bulletin, pp Khanna, S. (1999), Financial Reforms and Industrial Sector in India, Economic and Political Weekly,Vol 65 pp Kohli, R. (1997), Directed Credit and Financial reforms, Economic and Political Weekly, Vol 32,No Kulkarni (1979), Development responsibility and profitability of banks Journal of Economic Perspectives, Vol 9 No 1,pp La cour Micheal (2006), The Home Purchase Mortgage Preferences Of Lowand-Moderate Income Households, Forthcoming in Real Estate Economics, Vol 18, No 4, pp La courr, Micheal (2007), Economic Factors Affecting Home Mortgage Disclosure Act Reporting The American Real Estate and Urban Economics Association, Vol.2 No. 2, pp Leonard, M. & Spencer. A (1991), These Importance of Image as a Competitive Strategy An Explanatory Study in Commercial Bank, International Journal of Bank Marketing vol.9, No.4, pp

8 44. Levin, D. M. (1988). The opening of vision: Nihilism and the postmodern situation; London: Routledge, pp Mahesh H.P & Meenakshi Rajeev (2009) Producing Financial Services: An Eficiency Analysis of Indian Commercial Banks Journal of Services Research,Vol 8, No Malhotra, R. N. (1991), Banking in 90 s. Financial System of India. Vol 1, pp Malik, S.C. (1996), Building Human Capital for Banking, Vichaar, Vol. 16, No Mukherji, Joydeep (2002): India s Long March to Capitalism, in: India Review, Vol 1, No 2, pp Nachmias, C. F. and Nachmias, D. (2008). Research methods in the social sciences. 7 th ed. New York: Worth, pp Nachane, D. M.Ghosh and, Saibal (2004) Credit Rating and Bank Behaviour in India: Possible Implications of the New Basel Accord. Singapore Economic Review; Vol. 49 No 1, pp

9 51. Narsimhan, R. (2000), A Public Sector Bank in a Pressure Cooker, The Hindu 52. Parasuraman, A., Grewal, D. and Krishnan, R (2004). Marketing research. Boston: Houghton Mifflin, pp Patnaik, U. and Chhatoi, B. (2006), Bank Marketing edited book by Sonali Publications, New Delhi. 54. Pevekar Sunil and Sharma Ashvine (2006), Role of PR in reducing NPAs in Banks, Vol. 19, No. 9, pp Podsakoff et al., P. M. MacKenzie, S. B., Lee, J. Y. and Podsakoff, N. P. (2003). Common method biases in behavioural research: A critical review of the literature and recommended remedies. Journal of Applied Psychology Vol 88, pp Ramasastri A.S. and Achamma Samuel (2006) Banking sector development in India, what the annual account speaks? (Reserve Bank of India Occasional Papers), Vol 27, No.1, pp Rangarajan C. (2001), A Simple Error Correction Model of House Price. Journal of Housing Economics Vol.4 No.3, pp

10 58. Rangarajan C. (1988), Central banking and economic development Indian experience. Reserve Bank of India Bulletin, Vol.62 No.8, pp Ravi K. (2002), Rationalizing Bank Branches; Some Issues, IBA Bulletin, pp Reddy B. Ramachandra, Reddy Yuvaraja, (2005), Financial Performance of SBI An Analysis, Vol. 18, No Reddy P. Mohan & Reddy C. Sivarami (2006), Banking Sector Reforms: A Prospective, Vol. 19, No Reddy, S. V. et. Al (2007), Profitability and Productivity in Indian Public Sector Banks-An Analysis, banking Finance, Vol. 20, No Reddy, Y.V. (2002): Public Sector Banks and the Governance Challenge: Indian Experience, in: RBI Bulletin, May, pp Robson, C. (2002) Real world research: A resource for social scientists and practitioner researchers (2 nd Ed). Oxford: Blackwell, pp R.V. Verma, Chairman and Managing Director, NHB. (2011)business line, Nov.,, pp10 158

11 66. Saha, G (2001) Shareholder Value-Banking Companies: The Management Accountant, Vol.35, No.11, pp Sanjeevaiah. B. C., Venugopal (2004), Paradigm Shift in Banks, Vol. 17, No Satish P. and Gopalakrishna, C. K. (1997), Viability of Rural Banking, Economic and Political Weekly, pp Saunders et al., (2000), Real World Research, pp Saunders, M.N.K., Lewis, P. & Thornhill, A. (2003) Research methods for business students (3 rd Ed.). Harlow: FT Prentice Hall, pp Saunders, M., Lews, P. and Thornhill, A. (2007). Research methods for business students. 4 th ed. London: Prentice Hall, pp Sayer, A. (2000). Realism and social science. London: Sage, pp Schiffman, L. G. and Kanuk, L. L. (1997). Consumer Behaviour. London: Prentice Hall, pp Sendhivelan. M & Karthikeyan. K. (2007), A Progressive Move towards Universal banking in India, Banking Finance, Vol. 20, No

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13 82. Subbiah A. & Jeyakumar S. (2009) Customer Service of Commercial Banks with special Reference to ATMS Banking Finance, Vol. 22, No Subbaroo, P. S. (2007). Changing Paradigm in Indian Banking. Gyan Management, Vol4 No2,pp: Sikidar, S. & Mukherjee, K. (2001), Basic Norms, Cost Income Measurement: Impact on Commercial Bank, The Management Accountant, Vol.32, No.11 pp Talwar, S.P. (1996) Care Principle for Effective Banking Supervision 86. Taori, K. J. (2000), Management of NPAs in Public Sector Banks, Banking Finance, pp Trivedi, A. K. (2003). Indian Banking: Managing Transformation. IBA Bulletin, Vol 25 No 3:pp RBI Bulletin, Vol.3 No.12, pp Upadhyaya, G. (2001), Corporate Governance in the Financial System, Banking Finance, pp

14 89. Vandell, Kerry D( 2008), Subprime lending and housing bubble:tail wag dog? International Journal of Bank Marketing, vol 21,no 2, pp Varghese, E (2001) Marketing of Bank Services: Unpublished doctoral thesis, Department of Commerce, University of Kerala 91. Yin (2006); Mixed Methods Research: Are the Methods Genuinely Integrated or Merely Parallel?; RESEARCH IN THE SCHOOLS; Mid- South Educational Research Association 2006, Vol.13, No.1,

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