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1 BIBLIOGRAPHY A. Akhigbe and A.M.Whyte (2001) The impact of FIDICIA on bank returns and risk: Evidence from the capital markets, Journal of Banking and Finance, volume 25(2),2001, pp Abheek Barua (2004), Bancassurance in India, central council library articles from, The Chartered Accountant, volume 52 June 2004, PP Agarwal, Abhisek, Distribution of life Insurance products in India. Insurance Chronicle, Aggarwal, Vineet.(2004). Bancassurance: Concepts, Framework and Implementations. The Journal of Insurance Institute of India, July- Dec 2004, Allen and Rai (1996), Operational efficiency in banking: An international comparison, Journal of Banking and Finance, volume 20, pp Amitesh Chowdhury, Banc assurance The most Challenging Insurance Distribution channel with special reference to SBI the Management Account, March, 2004 P.No Andhra Business Bureau (April 2010), Bancassurance to touch 40 percent of premium income by 2012, Hyderabad 28th April Angus Hislop., Ole Petersen., and Ralf Ziegler. Making Bancassurance Really work: from Product-oriented Cross Selling to Customer-focused Crossbuying. Bancassurance: Trends and opportunities. Ed. Ravikumar, V.V. Hyderabad: the Icfai University Press. 2006, pp

2 Anita Hora. Bancassurance Opportunities and Issues for Banks. Bank Economist Conference 2003 Business Strategy-I. Ed. Nagarajan, Dr. N. Vol. III, 2004, pp Anu Anna Thomas. Bancassurance: Growth Opportunities for Banks. Banking: The New Challenges. Ed. KaturiNageswara Rao. Hyderabad: the Icfai University Press. 2005, pp Anuja Banerjee. Bancassurance: A Major Para-banking Activity. Insurance Chronicle, Apr. 2009, pp Ashish Srivastava. "Bancassurance: Issues and Opportunities". Professional Banker. Nov. 2007, pp Bhatt, A. Ed.Padwal, S. M. and Parchure, R. K. Pune Bancassurance: Issues in Marketing, Bancassurance in India, National Institute of Bank Management. 2000, pp Barathi, C. and Balaji,C.D.(2011). Innovative strategies to catalyze growth of Indian Life insurance sector an analytical review. Indian Journal of Commerce and Management studies, Vol II, Berger (2000), The integration of the financial services industry: where are the efficiencies?, Finance and Economics Discussion series Berger A.N, D.Hancock and D.B.Humphrey(1993) Bank efficiency derived from the profit function, Journal of Banking and Finance, 17(April 1993):

3 Berger, A.N., Cummins, J.D., Weiss, M.A., &Zi, H. (2000). Conglomeration versus strategic focus: Evidence from the insurance industry. Journal of Financial Intermediation, volume 9, pp Bhat., Ramesh., and Dixit. M.R. Bancassurance: Exploiting an Opportunity with Partnerships. Vikalpa. Vol.30, July-Sept. 2005, pp Boubakri, N., Dionne, G., &Triki, T. (2008). Consolidation and value creation in the insurance industry: The role of governance. Journal of Banking and Finance, 32(1), Brahmam, R., Lokanandha Reddy Irala.,AparnaPulugundla. Bancassurance in India- Issues and Challenges. Pratibimba. Vol.4, No.1, Jan Bryan Clontz. Bancassurance in the United States: Effects on consumers. Journal of the American Society of CLU&ChFC; May 1997, pp Carow K. A. and R.A. Heron,2002, Capital market reactions to the passage of the financial services modernization Act of 1999, Quarterly Review of Economics and Finance 42(3), Carow, K.A. (2001) Citicorp Travelers Group merger: Challenging barriers between banking and insurance. Journal of Banking and Finance, 25(8), Chaudhary, Amitesh. (2004). Bancassurance The Most Challenging Insurance Distribution Channel with special reference to SBI. Management Accountant, April 2004

4 Chen X., Yao, T., & Yu, T. (2007). Prudent man or agency problem? On the performance of insurance mutual funds. Journal of Financial Intermediation, 16, Cheng- Ru Wu., Chin-Tsai Lin., and Yu-Fan Lin. What forms of the Bancassurance Alliance Model is Customers' Preference. Journal of Modeling in Management. Vol.3, No.3, 2008, pp Cherian Varghese. "Bancassurance." Scribid Web. 19 Sept < www. scribd.com/doc/ /bancassurance>. Chevalier, Marjorie, Launay, Carole, Mainguy, Berangere, Analysis of Bancassurance and its status around the world, SCOR Group publication, Cummins, D.J., & Weiss, M.A. (1993). Measuring cost efficiency in the property-liability insurance industry. Journal of Banking and Finance, 17(2-3), Cummins, D.J., &Xie, X. (2008a). Efficiency, productivity, and scale economies in the US property-liability insurance industry. Working Paper, Temple University. Cummins, D.J., &Xie, X. (2008b). Mergers and acquisitions in the US propertyliability insurance industry: Productivity and efficiency effects. Journal of Banking and Finance,32(1), Cummins, D.J., Tennyson, S., & Weiss, M.A. (1999). Consolidation and efficiency in the US life insurance industry. Journal of Banking and Finance, 23,

5 Cummins, D.J., Weiss, M.A., Xie, X. &Zi, H. (2010). Economies of scope in financial services: A DEA efficiency analysis of the US insurance industry. Journal of Banking andfinance, 34(7), D Arcy S.P., &Gorvett, R.W. (2004). The use of dynamic financial analysis to determine whether an optimal growth rate exists for a property-liability insurer. Journal of Risk andinsurance, 71(4), David. C (May 2009), Marketing of life Insurance, IRDA Journal, Volume VII, No. 5, May 2009, Pg. no Dorlisa K. Flur., Darren Huston., Lisa Y. Lowie. Bancassurance: Could banks be a new channel to sell insurance? Three partnership models. The Mckinsey quarterly. No.3, Aug. 1997, pp Dr. Anshujatiwari; Ms. Babitayadav, A customer survey and Perception towards bancassurance (with reference to life Insurance industry) SAJMMR volume 2, issue 2 (february, 2012) ISSN x. Dr. Nandita Mishra, (2012) Bancassurance: Problems and challenges in India, Integral Review A Journal of Management, Volume 5, No.1, June 2012 pp Eckardt, Martina, Agent and broker intermediaries in Insurance Markets An empirical analysis of market outcomes, International Society for New Institutional Economics, Elango, B., Ma, Y.L., & Pope, N. (2008). An investigation into the diversificationperformance relationship in the US property-liability insurance industry. Journal of Risk andinsurance, 75(3),

6 Franco Fiordelisis and Ornella Ricci. "Bancassurance Efficiency Gains in the Insurance Industry: the Italian Case." Hostuniroma3. Sept Web. 7 Oct < uniroma3. it/eventi / wolpertinger2009/36.pdf>. Fraser and Kolari (2004) What's Difference about Bancassurance? Evidence of Wealth Gains to Banks and Insurance Companies pp Ganesan, Dr. S. and Jayaprakash. Dr. S. "Micro Bancassurance Models for India." Rmi.nccu. Proc. of Eleventh Annual APRIA Conference, National Chengchi University, Taipei Web. 27 Nov <ww.rmi.nccu.edu.tw/.../15207micro%20banc%20assurance%20 Models %20for%20India-%..>. Gardner, L.A., & Grace, M.F. (1993). X-Efficiency in the US life insurance industry. Journal of Banking and Finance, 17(2-3), Gazetteer of India, Tamil Nadu, Kanyakumari District, Madras, 1995 P -1 Goranbergandahl (1995) The Profitability of Bancassurance for European banks pp Gupta,Mukul.(2006). Bancassurance : Taking the Lead- online edition of Hindu Business Line, Jan 1 Gupta,Mukul (May 2005), Bancassurance: The Buzzword in Insurance, Insurance World Magazine, May 2005, Page no Heyman, W.H. & D.D. Rowland. (2006). An investment management methodology for publicly held property/casualty insurers. Journal of Applied Corporate Finance, 18(1),

7 Hong Jay H and Rios-Rull, Jose Victor, Life Insurance and Household Consumption, University of Pennsylvania, Jackson, G. (2010). How bancassurance can dominate the UK life insurance industry [Online].Available: archive/2010/11/23/how bancassurance-can-dominatethe-uk-life-insurance-industry- 1-of-2.aspx [2012, May 30] John Cooper, Success in Bancassurance, Ernst& Young The Bancassurance Bulletin, Issue 1, January- May 2013.pg4. Karunagaran, A. (2006). Bancassurance: A feasible strategy for banks in India? Reserve Bank of India Occasional Papers, 27(3), Khan, Mohd. Mohsin (2004, December) customer retention strategies in globalizing Indian banks, Banking finance, pp Krishnamurthy, R. Bancassurance in India.paper presented at the CEO summit of Swiss Reinsurance company. Krishnamurthy, R.(2003). Bringing Bancassurance toindia Blue prints for Success.IRDA Journal,Aug, Krishnamurthy. S, Jhaveri. Nani, Bakshi. S (July-Sept 2005), Insurance Industry in India: Structure, performance and future challenges, Vikalpa, IIMA Volume 30, No. 3, Pg no Kumar, M. (2007). Economics of Bancassurance. Bankers Middle East, 85(1), Retrieved on July 3, 2013

8 Kumar, R (2006) Bancassurance-Opportunities and Challenges in India, Bancassurance: Trends and Opportunities, First Edition, Hyderabad, ICFAI publication, 2006, pp Kumar, S.R., Insurance Perspective in Eastern U.P.: An Empirical Study, Indian Journal of Marketing, August, 2005, pp Lang G and P. Welzel(1998), Technology and cost efficiency in universal Banking a think Frontier Analysis of the German banking industry, JPA, volume10(1): pp Liebenberg, A.P., &Sommer, D.W. (2008). Effects of corporate diversification: Evidence from the property-liability insurance industry. Journal of Risk and Insurance, 75(4), Liebenberg, A.P., Carson, J.M., & Hoyt, R.E. (2009). The demand for life insurance policy loans. Journal of Risk and Insurance. Lymberpoulos, K., Chaniotakis, I.O. and Soureli, M. (2004). Opportunities for Banks to Cross-Sell Insurance Products in Greece. Journal of Financial Services Marketing, 9(1), Ma, Y.L. &Elango, B. (2008). When do international operations lead to improved performance? An analysis of property-liability insurers. Risk Management and Insurance Review,11(1), Malabika Deo, Bancassurance Awin-win solutions for Banks and Insurers, Facts for You, April 2005,P.42.

9 Malkonen (2004), The efficiency implications of financial conglomeration, Bank of Finland discussion paper No. 17/2004. Malpani, Sudarshan. (2003). Many roads to Bancassurance. IRDA Journal, Aug, Manoj, K. (2001). Marketing and Distribution Channels in Bancassurance [Online]. Available: [2012, 30 May] Martin Eling and Michael Luhnen, 2009, Efficiency in the international insurance industry; Across country comparison, Journal of Banking and Finance, Volume xxx (2009) xxx xxx. Morris Graham, Bancassurance in India www. WATSONWYATT.com Narayanan, A.G.V., Rural Marketing Strategies for Life Insurance Products in Coimbatore District, Ph.D. Thesis submitted to the Department of Management, Alagappa University, Karaikudi, Neelamegam, R. and Veni, K. Pushpa. (2009).Bancassurance - An Emerging Trend in Indian service Sector. Indian Journal of Marketing, October, Pandey.N (2008), Bancassurance as a strategic management tool, Dissertation SMS Management College Varanasi, Page no Parakala, V.S. Naga Raja Rao. (2004). Alternative channels of Insurance Distribution in India.Paper presented at 6th Global Conference of Actuaries.

10 Parihar, Rachna. (2003). Bancassurance: Challenges and Opportunities in INDIA.Bancassurance: Trends and Opportunities; ICFAI Press. Popli, G S. and Rao, D. N. (2009). An Empirical Study of Bancassurance: Prospects and Challenges for selling Insurance Products through Banks in India. Working Paper Series. Retrieved on December 29, Pottier, S.W. (2007). The determinants of private debt holdings: Evidence from the life insurance industry. Journal of Risk and Insurance, 74(3), Rachana Parihar. Bancassurance: Challenges and Opportunities in India. Insurance Chronicle. July 2004, pp Radhika Menon and Priya Nair. Insurers begin to look beyond bancassurance Channels. Hindu Business Line.Mar Raj Kumar, Bank Assurance in India: Challenges, Opportunities and Future Prospects, Ph.D. Thesis submitted to the Department of Management, Maharshi Dayanand University, Rohtak, Rajagopalan Krishnamurthy, Reaching New Frontiers-India Bancasurance, IRDA Journal, June, 2010, pp Rajkumari, M. (2007). A Study on Customer Preference towards Insurance Services and Bancassurance. ICFAI Journal of Risk and Insurance, 4(4), Rajkumari.M (2008), Services and Bancassurance, ICFAI Journal of Risk and Insurance October 2007.

11 Rajni, M.Shah. Creating Consumer Awareness in Life Insurance. Bimaquest. Vol.VIII, Issue.I, Jan. 2008, pp Rama Devi, Dr.V. and Ramesh, M. Investors Preferences and their Satisfaction with Life Insurance Products.Life Insurance Today. Vol.V, No.2, May 2009, pp Ramakrishna Rao, T.S. Bancassurance in India. Insurance Chronicle, May 2006, pp Rawani, M.A. and Gupta P.M. (2002). Role of Information systems In Bank: An Empirical Study in Indian Context. Vikalpa, 27(4), Rao, D Tripati, A study of the Indian life insurance Industry, Centre for development studies, Trivandrum, Ravikumar. V.V (2006), The emerging structure of Bancassurance in India, First Edition, Hyderabad ICFAI publication. S.Saravan Kumar, U. Punitha, Gunasekaran & S.Sankar, Flourishing Bancassurance business an Indian Perspective. International Journal of Multidisciplinary Research Vol.2 Issue 2, February Sakr, G. (No date). Special report about bancassurance. [Online]. Available: [2012, May 30] Sarkar, Jayati (1999). India s banking sector: current status, emerging challenges and policy imperatives in a globalised environment. In Handson, James A., &Kathuria, Sanjey (Eds.) India: A financial sector for the Twenty first century. (PP ) Oxford University press.

12 Sigma report, Bancassurance: emerging trends, opportunities and challenges, Swiss Re, Singh, S.B. (2005, April June) Indian banking vision. Bank quest The Journal of the Indian Institute of Bankers, 76(2), 4-7. Singhal, Ajai Kumar and Singh, Rohit, Bancassurance: Leveraging on the Synergy between Banking and Insurance Industry. The IUP Journal of Risk & Insurance, Vol. 7, Nos. 1 & 2, Jan Apr., 2010, pp Singhvi, Neha and Bhatt, Prachi, Distribution Channels in Life Insurance ; Bimaquest, Vol III, issue I, Jan 2008 Sinha, Tapan, Privatization of the Insurance Market in India: From the British Raj to Monopoly Raj to Swaraj, University of Nottingham, Sonia Chawla and Fulbag Singh. Bancassurance in India: Who is tying the knot with whom, why and how.prajnan. Vol.XXXVI, No.3, , pp SreedharaMenon A., Trivandrum District Gazetteer, 1962, P 5 Sreesha, Ch. and Joseph, M.A., Bancassurance: A Case of SBI Life Insurance, Southern Economist, May 1, 2010, p.23. Sridharan.Gand Allimuthu.S, Bancassurance: Prospects, strategies, challenges and mutual benefits Indian Journal of Finance, Volume - III July 2009 Page No.37 to 42. Sumninderkaurbawa and SubashChander, Prospects of Bancassurance in India, Journal of Accounting and Finance, volume 23, No.2, April September 2009, pp

13 Suresh Chandar G. S., Rajandran C., &Amantharamar R.N. (2003), Customer perception of service quality in the banking sector of a developing economy. A critical analysis International journal of Bank Marketing, 21(5): Tapen Sinha's (2005) Bancassurance in India: Who is Tying the Knot and Why The WATSON WYATT Bancassurance benchmarking study India A comparative study of Bancassurance performance practices in India. Thomas, Susan, How the financial sector in India was reformed, IGIDR, Goregaon, Toivanen, O. (1997). Economies of scale and scope in the finish non-life insurance industry. Journal of Banking and Finance, 21(6), Upadhyay D., (2011 March 28-30), Service quality perception and customer satisfaction in life insurance companies in India, International conference on technology and business management, Upadhyaya D., Badlani M. and Paryani P. (2011), Importance of Technology in Enhancing Customer Satisfaction in Retail Insurance Market, Review of Business and Technology Research, Volume 4 Number 1, July 011, pp , Velayudham, T.K. (2002, Oct Dec.), Developments in Indian banking: past, present and future. Bank quest The journal of the Indian Institute of bankers, 73(4),

14 Vijaya Kumar, A., Globalization of Indian Insurance Sector - Issues and Challenges, The Management Accountant, March, 2004, p.195. Vineet Agarwal (2004) Bancassurance: Concept, Framewor and Implementation pp VissapragadaSrinivas. Bancassurance: A New Channel of Insurance Business. Professional Banker Magazine,June Viswanadham, Dr. P. Bancassurance in India: An alternative Channel of Insurance Distribution. Indian Journal of Marketing. Nov. 2005, Volume 29, pp White, Michael D, Bancassurance in the U.S. and abroad, Security Pacific Insurance Group, London, England, Xie, X. (2010). Are publicly held firms less efficient? Evidence from the US property-liability insurance industry, Journal of Banking and Finance. BOOKS REFERED 1. Research Methodology, Concepts and cases, Deepak Chawla and Neena Sondhi, Vikas Publications House Pvt.Ltd, New Delhi, Business Research Methods, William G Zikmund, 7 th edition, Cengage Learning India Private Limited, New Delhi, Marketing Research, G C Beri, 4 th edition, Tata McGraw Hill Education Private Limited, New Delhi, Bancassurance in Europe, Tobias C Hoschka,1 st edition, ST.Martin s Press, London,1994.

15 5. Bancassurance Trends and Opporunities, V V Ravi Kumar, 1 st edition, The ICFAI University Press, Hyderabad, NEWS PAPERS AND MAGAZINES IRDA, Annual Report Journals published by Insurance Regulatory & Development Authority Asis Bandyopadhyay. Bancassurace: Trends and Issues, India Insurance Report Series-I. Ed. Dharmendra Kumar and Rahul Singh. New Delhi: Allied Publishers, 2005, pp Best, John W. Research in Education. (3rd. ed.), 1977.New Delhi, Prentice-Hall of India. WEBSITES

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