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1 REFERENCES 1. Banking in the New Millennium Issues-Challenges and Strategies ; Deep and Deep Publications (P) Ltd., pp 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 Ahluwalia, Montek S (2002) Economic Reforms in India since 1991: Has Gradualism Worked?, Journal of Economic Perspectives, Vol.16, Issue 3, pp Ahooja Aditi (2011), A Study of Indian Banking Sector - Performance Analysis since Liberalization, Ph.D Thesis, Department of Humanities & Social Science, National Institute of Technology, Kurukshetra, Haryana. 6. Al-Tamini H A H and Jabnoun N (2006), Service Quality and Bank Performance: A Comparison of the UAE National and Foreign Banks, Finance India, Vol.21, Issue 1, pp Anantha Swamy BN (2001), New Competition, Deregulation and Emerging Changes in Indian Banking-An Analysis of the Comparative Performance of Different Bank-Groups ; The Journal of the Indian Institute of Bankers, Vol.72, No.3, July, pp Anderson E W, Claes Fornell and Donald R Lehmann (1994), Customer Satisfaction, Market Share, and Profitability: Findings from Sweden, Journal of Marketing, Vol.58 (Jul), pp Arora Usha and Verma Richa (2005), Banking Sector Reforms and Performance Evaluation of Public Sector Banks in India, Punjab Journal of Business Studies, Vol.1, Issue 1, pp Arun, T G, Turner, J D (2002), Financial Sector Reforms in Developing Countries: The Indian Experience ; World Economy; Vol.25, pp

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5 52. Kalluru Siva Reddy (2009), Ownership structure, performance and risk in Indian Commercial Banks, The ICFAI Journal of Applied Finance, Vol.15, pp Kamakodi N (2007), Customer Preferences on e-banking Services- Understanding through a Sample Survey of Customers of Present Day Banks in India, Contributors, Banknet Publications, 4(4), pp Kaveri VS (2001), Prevention of NPAs-Suggested Strategies, IBA Bulletin, Vol.23, Issue 8, 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 Khan M Y (2011), Financial Management, 6 th edition, McGraw Hill Education. 57. Khan, M. and Jain P. (2007), Financial Management: Text, Problems and Cases, Fifth edition, Tata McGraw-Hill. 58. Kohli Renu (1999), Rural Bank branches & Financial reforms ; Economic & Political Weekly, Vol.34, No. 3-4, pp Kunjukunju Dr Benson (2006), Reforms In Banking Sector and Their Impact In Banking Services, South Asian Journal of Socio-Political Studies, Vol.7, July-Dec 2006, pp Kusum, W Ketkarel al (2003), An Analysis of Efficiency and Productivity Growth of the Indian Banking Sector, Vol.17, No.2, June, pp Lakshmi Kumar, D Malathy, LS Ganesh (2011), The diffusion of ATM Technology in Indian Banking, Journal of Economic Studies, Vol.38, Issue 4, pp Mabwe Kumbirai and Robert Webb (2010), A financial Ratio Analysis of Commercial Bank Performance in South Africa), African Review of Economics and Finance, Vol. 2, No. 1, Dec 2010, 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 Maniappan G P (2003), Reorienting Banking Structure, IBA Bulletin, Vol.25, Issue 3, pp

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7 78. Nigmonov Asror (2010), Bank Performance and Efficiency in Uzbekistan, Eurasian Journal of Business and Economics 2010, 3 (5), pp Ozkan-Gunay, E Nur Tektas, Arzu (2006), Efficiency Analysis of the Turkish Banking Sector in Pre-Crisis and Crisis Period: A DEA Approach, Contemporary Economic Policy, Vol.24, pp Padwal S M (2004), Data Warehousing and CRM in Banking, Vinimaya, Vol.25, No. 1, pp Padwal SM (1991), Liberalization and its Impact on Banking and Finance, Prajnan, Vol.20, No.4, pp Pal Ved, Bishnoi N K (2009), Productivity Analysis of Commercial Banks in India, Decision, Vol.36, pp Patel Urjit R (2000), Outlook for the Indian Financial Sector, EPW, Vol.35, No.45, November 4, pp Pathak B (2003), A Comparison of the Financial Performance of Private Sector Banks, Finance India, Vol.17, No. 4, pp Paul M, Mukherjee A and Nath P (2000), Performance Analysis of the Indian Banks An Exploratory, International Journal of Bank Marketing, Vol.20, Iss 3, pp Prasad M, Sinha KK and Prasad K M (2004), Post-reform Performance of Public Sector Banks with Special Reference to Non-performance Assets, Edited Book, Banking in the New Millennium, New Delhi. 87. Prasuna D G (2004), Performance Snapshot , Chartered Financial Analyst, The ICFAI University Press 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 Rakshit Mihir (2005), Banking Under the Emerging Economic Environment, Money & Finance (ICRA Bulletin), 2 (22 23), July - December, pp Ram Mohan TT (2002), Deregulation and Performance of Public Sector Banks, EPW, Vol.37, No.5, Feb, 2-8, pp Ram Mohan, TT and Subhash C Ray (2004), Comparing Performance of Public and Private Sector Banks-A Revenue Maximization Efficiency Approach, EPW, Vol.39, No.12, Mar, pp

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9 105. Sangmi Mohi-ud-Din et.al (2010), Analyzing Financial Performance of Commercial Banks in India: Application of CAMEL Model, Pakistan Journal of Commerce & Social Sciences, Vol.4 (1), pp Sanjeev, Gunjan M (2006), Does Bank s Size Matter in India?, Journal of Services Research, Vol.6, pp Sarkar B (2006), A Study on Efficiency and Productivity of Turkish Banks in Istanbul Stock Exchange using Malmquist DEA, The Journal of American Academy of Business Cambridge, Vol.8, Issue 2, pp Satish D, Jutur S and Surender V (2005), Indian Banking Performance and Development , Chartered Financial Analyst, Special Issue Oct, pp Satya Swaroop Debsish (2003), Service Quality in Commercial Banks - A Comparative Analysis of Selected Banks in Delhi, Journal of Marketing, Vol.33, No.3, March, pp Savalan Ismayilov Ismayil (2012), The Principles of Islamic Finance, Its Challenges and Policy Suggestions for Azerbaijan, SBI - Research Department (2000), Performance Analysis of the 27 Public Sector Banks: , SBI Monthly Review, Vol.39, No.10, Oct, pp Schiller John E (2008), Trustee Liability: A Litigator s Perspective. Journal of Financial Service Professionals, Vol.62, pp Shankaraiah, K. (1999), Customer Awareness and Preferences in Banking Services, The Management Accountant, Vol. 15, No.2, 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. al (2003), Benchmarking Performance of Indian Public Sector Commercial Banks, Indian Journal of Accounting, Vol.34, December, pp Shenoy, P.S. (2004), Public Sector Banks-Remarkable turnaround, The Hindu Survey of Indian Industries, pp

10 117. 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, Issue 3, pp Shroff, F.T. (2007), Modern Banking Technology, Contributors, Vol.4, Banknet Publications, pp Singh H and Kaur N (2006), Internet Banking The Current Challenges, Banking in the New Millennium Issues, Challenges and Strategies, Edited by R.K Uppal and Rimpi Kaur, Mahamaya Publishing House, New Delhi, pp Singh I and P Kumar (2005), Efficiency Analysis: The Case of Indian Banking Industry, The Indian Economic Journal, Vol.52, Issue 3-4 (Oct 04 Mar 05), pp Singh I and P Kumar (2006), Liberalisation and Efficiency: The Case of Indian Banking Industry, Indian Management Studies Journal, Vol.10, pp Singh R (2003), Profitability Management in Banks under Deregulated Environment, IBA Bulletin, 25(7): pp Singla A and Arora R S (2005), Financial Performance of Public Sector Banks - A Comparative Study of Canara Bank and Indian Bank, Punjab Journal of Business Studies, Vol.1, Issue 1, pp Singla H K (2008), Financial Performance of Banks in India, The ICFAI Journal of Bank Management, 7(1): 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, Issue 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 Srivatsa H S, Srinivasan R (2009), New Age Youth Banking Behavior-An Explorative Study in the Indian Banking Sector, Journal of Services Research, Vol Subbarao PS (2007), Changing Paradigm in Indian Banking, Gyan Management, 1(2), pp

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13 155. Wilson John O.S, Casu Barbara, Girardune Claudia and Moly Leux Philip (2009), Emerging Themes in Banking; Recent Literature and Directions for Future Research, Cass Business School, City University London, WP 07/09, pp In addition to the above, the Researcher has also perused & accessed the following: Journals Indian Banker, Prajnan (NIBM), Vikalp, Vinimay, Management Research Review, Bank Quest (IIBF), Paradigm (IMT), The ICFAI Journal of Bank Management, International Journal of Research in Commerce, Economics and Management, Asian Journal of Research in Banking & Finance, International Journal of Commerce & Management, Journal of Services Research, Global Management Review, Journal of Internet Banking & Commerce, The Journal of Indian Management & Strategy, Journal of Applied Sciences. International Research Journal of Finance & Economics, International Business & Economics Research Journal, The International Journal of Finance, The International Journal of Electronic Finance, The International Journal of Management & Business Studies, The International Journal of Productivity & Performance Management, Journal of Economic Studies. Other journals published by Indian Bankers Association - Mumbai (IBA Bulletin), The Bankers - New Delhi and visited the sections of the RBI site (Speech, Archives, Publication, Statistic, Reports etc). Websites Reports and other Publications - Trend and Progress of Banking in India ( to ): RBI, Report on Currency & Finance: RBI, RBI Bulletins, Handbook of Statistics on Indian Economy: RBI, Banking Statistics: IBA, Database on Indian Banking ( ) : IBA, Indian Banking at a Glance ( ) :IBA, A Profile of Banks ( ) :RBI, Statistical Tables relating to Banks in India ( ) 222

14 :RBI, Database on Indian Banking :RBI, Database in Indian Economy: RBI, Performance highlights of Public Sector Banks- Various Issues : IBA, Performance highlights of Private Sector Banks- Various Issues : IBA, Lead Bank Report, Economic surveys, Annual Reports of the Commercial Banks, Economic Survey of Govt. of India, IBA Bulletins, Publications of Indian Institute of Banking & Finance, Publications of National Institute of Bank Management, Business Daily & Periodicals and other published Reports 223

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

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