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Bank Lending

Estimating the demand for industrial credit during the fifth plan period A comparative historical review of lending policies in different countries A study of the relationship between credit extension and the increase in current assets and production An action research programme on organization of credit operation for small and marginal farmers Financial ratios as predictors of borrower's health Study of follow-up of advances to small industries End-use of borrowed funds and follow-up systems in banks Development of a statistical technique for follow-up of advances Evaluation of financial performance of sugar industry units Financial ratios as predictors of sickness in cotton industry Preparation of an operational manual on sick accounts Study of industrial sickness Management of non-performing advances Evaluation of soft loan schemes Contextual world underlying lending policies Planning for loans and advances Credit appraisal for decisional analysis Behaviour of borrowal accounts Alternative approach to lending in the emerging environment Lending in transition Financing non-banking finance companies Rating of corporate customers

Rural and Development Banking


A comprehensive area development plan for the tribal areas of Santhal Parganas A study of the structure of farms, resource use and development potential in the drought prone areas of Anantpur district Linking of agricultural research system with the commercial banks : an empirical study Development of unbanked areas and the role of banks Study of Indebtedness Management of lift-irrigation schemes in Pune district Study of practices of water management and their relation to credit dispensation Formulation of District Credit Plan : an approach to estimation of credit demand Study of research and training needs for the development of small scale industries Evaluation and implementation of Block level plans Poverty alleviation : an alternative approach Bank lending to the weaker sections of the society A study of differential rate of interest scheme Managerial Aspects of IRDP Women's savings and credit schemes Strategies to Improve Repayment Impact of Agriculture and Rural Debt Relief Scheme Micro-finance and Micro-finance Institutions Self Help Groups Planning for development of villages Participatory Rural Banking Maharashtra Rural Credit Project

Commercial Agriculture Strategies to Improve Credit Flow in Rural Areas Strategies towards Non-performing Assets

RURAL and DEVELOPMENT BANKING is a vital subject of research for the Institute. Issues relating to specific areas of agricultural lending, organizational structure relating to rural lending, strategies for developmental finance, special problems of backward regions, strategies and systems of developmental assistance to weaker and backward sections of the population, study of the developmental experiences of other countries, area approach to development planning, evaluation of various development schemes, are some of the issues of research in this area.

Economic Environment and the Financial System


A study of small-scale industries A study of the structural retrogression in the Indian economy since mid-sixties A study of the economics of education Environmental analysis in the context of performance budgeting in rural areas Company mergers in India and their implications on bank finance Savings behaviour in India Regional behaviours of bank deposits and its implication to deposit mobilisation A study of financing of primary agricultural cooperative societies by commercial banks in Mysore , Karnataka A study of company finance Financing of agro-service centres by commercial banks Multi-agency approach to agricultural finance : a study of Belgaum district Trends and patterns of financing in corporate sector Bilateral productivity and performance comparisons of India 's public sector banks Finances of all-India investment institutions

Another important field of research is the ECONOMIC ENVIRONMENT and the FINANCIAL SYSTEM.

Studies on industrial policy, resource potential, regional economic problems, performance of specific industries, infrastructure development issues, and development of the financial system form a part of the research efforts in this area.

Financial Services and Investment Banking


Merchant banking in India Managing mutual funds Launching of factoring services in India Study on hire-purchase business in India Introduction of international factoring in India Management of bank credit cards Asset and liability management in banks Investment management in banks Study of Concurrent Audit Management in Bond Portfolio Emerging Issues : Risk Management, Regulation and Supervision

FINANCIAL SERVICES and INVESTMENT BANKING as an area of research has emerged in recent years. Studies have been undertaken on emerging financial services such as factoring, hire purchase, leasing, mutual funds, credit cards and various aspects of investment banking in a deregulated environment.

Monetary Economics and International Banking


A study of the impact of interest rates on interest costs Interest spread management in commercial banks in India Money-income causality in India : an empirical study Empirical definition of money for India

Velocity of money in India : a time series analysis Behaviour of aggregate bank deposits and their determinants Study of the impact of public deposits and debentures on bank borrowings Determinants of flow of funds through commercial banks in India Use of international commercial credits and financial facilities for financing India 's export-import trade A study of the prospects of trade and economic collaboration between India and Indonesia A study of the prospects of India's trade with and investment in the East Asian countries of Korea, Malaysis, Philippines, Taiwan and Thailand Study of foreign exchange markets and rate quotation in India Accounting and control system of foreign exchange business in Banks Banking regulation and environment in selected countries Risk management of foreign exchange dealing operations Exchange rate of the rupee since its basket link in 1975 Empirical comparison of simple sum and superlative monetary aggregates for India Trading blocs, turbulent markets and India 's international banking prospects Liberalization of India 's banking and monetary regime Banking industry in the 1990s: profile and strategies Behaviour of important real exchange rates and real interest rates Some recent developments in macroeconomics and their implication for inflation: empirical evidence of India International capital flows A structural model of trade inflation: exchange rate and credit policy effects on the Indian economy Options as hedges for foreign currency exposure Export of banking services : quantitative study

Financial disintermediation : a view from the household portfolio preferences Multicurrency exchange rates and bond markets : a VAR approach

Monetary Economics and International Banking The impact of monetary and central banking policy on the banking system and the economy at large, behaviour of monetary aggregates, deposit behaviour, financial disintermediation and liberalization are the main areas of study in monetary economics. Trade finance, exchange rate behaviour, international banking operations, risk management and managing forex operations are the focus in the international banking and finance area.

Planning

Linkage of multi-level development plan with multi-level credit plans of banks Study of planning models Branch location (and site location) in metropolitan and urban centres Linking banking operations with national development plans. - Multi-level planning process. - National banking plan. - Banking Plan for individual banks. - Performance budgeting system Studies on planning for banking development Methodology for preparing credit plan for the regional economy Long-range planning in manufacturing and service industries in India Financial planning for commercial banks Deposit and credit planning at the banking system level Branch expansion planning Manpower planning at bank level Management audit Planning for capital adequacy

Rating of banks PLANNING attracts quite some research attention at NIBM.Theoretical models, forecasting techniques, integration of national development plans with bank level and regional level plans are some of the research themes in this area

Organizational Structure, Systems and Processes


Structural alternatives for the banking industry Design of internal control system for banks Organizational structure for credit to small farmers A study of work organization and work enrichment A study of the budgetary system, delegation and control in a nationalized bank Areas of mechanization in Indian commercial banks Optimum size of a metropolitan branch Study on housekeeping operations at metropolitan branches Performance monitoring format at branch/regional office Methodology for corporate position audit exercise in banks Time management by branch managers Study of audit/inspection report format Organizational design and development in banks A study on organizational diagnosis techniques in public sector banks Study of redesign of organizational structure of individual banks Organizational change processes

ORGANIZATIONAL STRUCTURE SYSTEMS and PROCEDURES are fields demanding continuous analytic attention. Starting from the macro-level issue of structure of the banking industry itself, to areas such as organizational structure for individual banks, systems and procedures, delegation and control, job design and enrichment, mechanization of branches, process of organizational change in banks are some of the topics of research.

Industrial Relations, Personnel Management and Organizational Behaviour


Study on participative management in banks Development of a battery of objective tests for direct recruitment of clerks and officers Andhra Bank strike study Psycho-sociological background of scheduled caste members entering the banking system Validation studies of the personnel selection techniques Survey of attitudes and opinions of bank employees towards personnel policies and issues in banking Review of changes in HRD: policies and practices in banks since nationalization Growing inter-union rivalry in banks Correlates of stress : an exploratory study Ethical dimensions of managerial decisions Quality Circle : an approach to HRD Employee performance appraisal Study of organizational culture of banks Benchmark study of industrial relations in banking industry Women executives in banks : a profile Meaning of working : study in a public sector bank Qualitative Management in HRM Career and Succession Planning Potential Appraisal System for Banks Competency Mapping Based Training Need Analysis in Banks Executive Stress Audits of Banks Relationship Between Emotional Intelligence and Personality Profile of Bank Employees

INDUSTRIAL RELATIONS, PERSONNEL MANAGEMENT and ORGANIZATIONAL BEHAVIOUS The nature and dynamics of labour unions, labour-management relationship, management decision-making, HRD practices, organizational culture, personnel selection and manpower planning are some of the research issues in this field of study.

Training Technology and Management


Project on development of Programmed Learning Texts on banking operations Preparation of cases in rural banking/bank marketing/bank lending Evaluation of an entrepreneurial development programme Identification of training needs of trainers in the area of behavioural science teaching A study of trainers' profile and their training needs Long-term training strategy for banks A study on management of training The transfer of learning : a study of organizational factors influencing the learning process in management training Computer based training Study of training implications of information technology Video film on Counselling at Work Video film on Emerging Voices on DWCRA

In the field of TRAINING TECHNOLOGY and MANAGEMENT, such topics as organization and management of the training function in banks, training strategies, training needs of trainers, course design and evaluation, and development of training materials such as cases, programmed learning materials and AV packages have been studied by the Institute over the years.

Information Technology

Management Information System (MIS) and Decision Support Systems (DSS) in Indian commercial banks

Knowledge-based systems Security, Control & Audit of Information Systems IT Risk Management Data Warehousing Data Mining Artificial Intelligence Applications Developing Software in Various Functional Areas

Information Technology The recent focus has been towards software development, designing and developing DSS, MIS systems, data mining & AI applications in various functional areas in Banking and Finance, also auditing computerised systems and suggesting various measures. In recent period, NIBM has specialised in software development such as:

ALM System for Banks Human Resource Management System Web-Based Application Development Hybrid Expert System Shell Environment

Cost and Profitability in Banks

Determination of cost and review elements of major banking activities and introduction of cost accounting systems in banks A comparative study of the profitability of nationalized banks A study of functional costing in a nationalized bank A study of the profit and loss statements of the foreign exchange departments A study of the extent of decline in profitability and the factors responsible for it

Monitoring profitability of bank branches Profitability analysis for regional rural banks Non-interest costs management in commercial banks in India during the decade of the seventies Profits and profitability of Indian commercial banks Management of cash in banks Approaches to profit planning in banks Managing bank balance sheet for profitability Bank costs and profitability Interest spread management in banks

COSTING and PROFITABILITY IN BANKS is yet another area of research. Issues of costing and pricing of bank services, profitability and profit planning, and cost accounting systems are analysed in depth.

Marketing

A study of the deposit potential in the West Godavari District (Andhra Pradesh) Export potential for the State of Jammu & Kashmir A study of the problems of banking industry in Assam and the potential for its banking development Survey of customer attitudes towards the banking system Rural bank marketing Regional behavior of bank deposits and its implication to deposit mobilization Study of market research in banking Marketing: perception and practices of bank branch managers A survey of the quality of customer service offered by banks A study of the possibilities of financing educational activities in rural areas

Customer profile survey Pre-testing for measuring advertisement effectiveness: a case of rupee travellers' cheques A comparative study of actual and potential capacity of banks to create secondary deposit Use of marketing in development schemes in banks Strategies for promotion of banking services and deposit mobilization in India : a systems approach An inter-regional study of bank deposits and branch expansion Evaluation of rupee travellers' cheques Study of Customer Preference on Bank Deposits All India Savings and Deposit Trends and Patterns

Diverse issues such as survey of customer service, possibility of new services, strategies for promoting bank services, evaluation of advertisement effectiveness and managerial perception of marketing are studied.

International Activities The Institute has been actively involved in interacting and exchanging with the banking and financial organizations across the continents of the world. Exchanges and visits, training and educational programmes, research and consultancy have been part of the international activities of NIBM. One of the prime attractions for many countries has been India s unique experiences in developmental finance. Besides this, due to NIBMs accumulated experience in management education and its relatively economical services, it is emerging as an attractive resource for management development in a multicultural and multinational environment for many financial organizations from different parts of the world. The Institute has been providing consultancy services on wide ranging issues to banks and financial institutions both national and international. Reorganization of banks, design of systems and procedures, facilitating the setting up of new institutions, helping in integrated planning, assisting in computerization of banks, selection, placement and promotion of personnel and management development are some of the areas where consultancy services have been rendered.

Project / Research Reports 2001-2005


Finance (FIN) Human Resource Management (HRM) Information Technology (IT) Marketing Management (MM) Money, International Banking and Finance (MIBF) Rural Finance and Development (RFD) Strategic Planning, Management and Control (SPMC)

Finance (FIN) FIN 2000-2001/RR 37 FIN 2000-2001/RR 38 FIN 2001-2002/RR 39 FIN 2002-2003/RR 40 FIN 2002-2003/RR 41 FIN 2002-2003/RR 42 FIN 2003-2004/RR 43 FIN 2003-2004/RR Problems and Prospects of SSI Sector in the Changed Environment P R Kulkarni

Maintenance of CRR and SLR by Scheduled Commercial Banks S V Kuvalekar

Credit Flow to SSIs during Post-Reform period P R Kulkarni & V S Kaveri

Risk Management in the Operations of Primary Dealers S V Kuvalekar

Asset Reconstruction Company : Feasibility Aspects V S Kaveri & S V Kuvalekar Organizational Study of Kerala State Financial enterprises Ltd Kalyan Swarup, S V Kuvalekar & K Ramesha An Exploratory Study on financing of Housing by Banks K Ramesha & V S Kaveri Securitization and Reconstruction of Financial Assets and Enforcement of

44 FIN 2003-2004/RR 45 FIN 2003-2004/RR 46 FIN 2003-2004/RR 47 FIN 2003-2004/RR 48 FIN 2004-2005/RR 49 FIN 2004-2005/RR 50 FIN 2004-2005/RR 51 FIN 2004-2005/RR 52

Security Interest Act, 2002: An Impact Study Gourav V Sharma & V S Kaveri Case Studies in Finance Sumathi Pant & V S Kaveri Consolidation of Accounts in Case of banks and Financial Institutions and its Relevance to Facilitate consolidated Supervision S V Kuvalekar & V S Kaveri Factoring Services in India (Focus on without Recourse Factoring) S V Kuvalekar

Preparation of Case Studies in Management of Lending Satish R Shinde Preparation of Case Studies for Cash Flow Based Lending Approach Satish Shinde Challenges for Women Entrepreneurs in India Focus: Credit Availability from Banks K U Umakrishnan Interest Rate Sensitivity of Commercial Banks in India: An Empirical Study V Subramanian & Asish Saha Predicting Bank Capital Adequacy : An Early Warning System for Offsite Surveillance of Indian Banks Amit Kulkarni

Human Resource Management (HRM) HRM 2002-2003/RR 18. Training Need Assessment by Competency Profile mapping and Performance Rating Vaishali DKK & Mohit P Kumar

Information Technology (IT) IT 2000-2001/RR 13 Appraisal and Management of Software Projects A K Hirve & P R Kulkarni IT 2000-2001/RR 14 IT/IS Audit in Banks in India S M Padwal & S D Page IT 2002-2003/RR 15 Designing and Developing Internet Banking Environment R M Sonar

IT 2002-2003/RR 16 Data Warehousing for Corporate Knowledge Management in Banks S D Page IT 2002-2003/RR 17 Study of IT/IS Issues in Banks S D Page IT 2004-2005/RR 18 Business Process Reengineering Atul Balwant Naik

Marketing Management (MM) MM 2002-2203/RR 10 MM 2004-2205/RR 11 Business practices for Retail Banking Atul Bhatt

New Product Development Activities of Indian Banks Atul Bhatt

Money, International Banking and Finance (MIBF) MIBF 2003-2004/RR 44. Reassessment of Textile Portfolio of Bank of Baroda in the WTO Context K U Umakrishnan, Satish R Shinde, R Dasgupta, Asish Saha, Jigisha Thakkar & P K Mohanty

Rural Finance and Development (RFD) RFD 2000-2001/RR 45. RFD 2000-2001/RR 46 RFD 2000-2001/RR 47 RFD 2001-2002/RR 38. RFD 2001-2002/RR 48 Maharashtra Rural Credit Project : Ongoing Evaluation VII R Dasgupta & Team Maharashtra Rural Credit Project : Ongoing Evaluation VIII K Dinker Rao & Team Maharashtra Rural Credit Project : Ongoing Evaluation IX R Dasgupta & Team An Analysis of Non Performing Advances of Public Sector Banks with Special Reference to Priority Sector Credit N B Shete, R Dasgupta & K Dinker Rao Integration Study K Dinker Rao

RFD 2002-2003/RR 49. RFD 2002-2003/RR 50 RFD 2002-2003/RR 51 RFD 2002-2003/RR 52 RFD 2003-2004/RR 53 RFD 2003-2004/RR 54 RFD 2003-2004/RR 55. RFD 2004-2005/RR 56 RFD 2004-2005/RR 57. RFD 2004-2005/RR 58 RFD 2004-2005/RR 59 RFD 2004-2005/RR 60 RFD 2004-2005/RR 61 RFD 2004-2005/RR 62 RFD 2004-2005/RR 63

An Exploratory Study of Patpedhis (Cooperative Credit Societies) in Maharashtra State N B Shete (Coordinator), K Dinker Rao & R Dasgupta Qualitative Assessment of Implementation of SGSY K Dinker Rao

Case Studies on financing Emerging Areas in Agriculture N B Shete

Godavari Gramin Bank : A Study of SHG-Linkage Programme K Dinker Rao Management of Non-Performing Advances in Priority Sector Credit of Banks N B Shete Role of Lead Bank Officers in the Changed Context of Financial Sector Reforms N B Shete Gomati Gramin Bank : A Study of SHG-Linkage Programme K Dinker Rao Performance and Functioning of Specialized SSI Branches: An Exploratory Study A U Gadewar & K Ramesha Study of Auto-Ancillary Industry in India A U Gadewar, D P Khankhoje, C Ramamurthi & Satish Shinde Efficiency of Rural Banks in India : A Non-Parametric Approach D P Khankhoje

Research Study on Perspective of Lending to Priority Sector N B Shete Management of Non-Performing Advances in Priority Sector Lending N B Shete Role of Lead District Managers/Lead District Officers in the Changed Context of Financial Sector Reforms N B Shete Swarnjayanti Gram Swarozgar Yojana K Dinker Rao

Women and Banking K Dinker Rao, R Dasgupta & K U Umakrishnan

Strategic Planning, Management and Control (SPMC)

SPMC 2003-2004/RR Research Project of Factors Affecting Branch Performance C Ramamurthi 09 SPMC 2003-2004/RR An Impact Study of Urban and Metro Branches of State Bank of Indore 10 Mukta Kamplikar & Kalyan Swarup SPMC 2004-2005/RR Indian Banking System : Gearing up for Basel-II K Satyanarayana 11

1983-84 - 2001-02 Area Groups :


Finance Human Resources Management (HRM) Information Technology (IT) Marketing Management (MM) Money, International Banking & Finance (MIBF) Rural Finance & Development (RFD) Maharashtra Rural Credit Project (MRCP) Strategic Planning, Management & Control (SPMC)

Finance (FIN) FIN 88-89/RR 01 Financial Strategies for the Corporate Sector : Automobiles and Ancillary Industry - S P Singh & A Saha

FIN 88-89/RR 02 FIN 89-90/RR 03 FIN 89-90/RR 04 FIN 89-90/RR 05

Industry Studies : Automobile and Ancillary Industry - Y S R Murthy, A Saha & S P Singh Changing Pattern of Capital Structure in Indian Industries - A Saha Credit Decisions in Banks - Ashish Saha & Sampat P Singh Trends and Patterns of Financing in Corporate Sector - Sampat P Singh & Biswa N Bhattacharyay New Instruments of Rehabilitation of Sick Industrial Units, Mergers and Acquisitions - S R Shinde Finance and Development of Small Scale Industries in the North Eastern Region : A Survey and Role of Banks - S V Kuvalekar, V S Kaveri & S R Medhi Lending to Large Borrowers : Group Approach - S R Shinde Launching Factoring Services in India - A K Sen Gupta & S V Kuvalekar Sickness of Industrial Units and the Role of BIFR - S R Shinde Study of Export Trade Financing in India : Problems and Prospects - A K Sen Gupta & P K Keshari Study on Hire Purchase Business in India - A K Sen Gupta Study of Bank Overdues in SSI Sector : A Survey - V S Kaveri A Study of Role of Banks and Financial Institutions in Financing of Public Enterprises - S V Kuvalekar Operational Guidelines for Dealing with BIFR Cases - S V Kuvalekar Industrial Finance Branches : A Critical Evaluation - Asish Saha Management Audit :Concepts and Process - V S Kaveri, T S Ravisankar & K Satyanarayana Bank Lending System in the Changing Economic Scenario - A Saha Study of Credit Policy and Decision Systems in Banks - A K Sen Gupta Study on Venture Capital Financing in India - A K Sen Gupta A Study of Underwriting Business in India - S V Kuvalekar

FIN 90-91/RR 06

FIN 92-93/RR 07 FIN 92-93/RR 08 FIN 92-93/RR 09 FIN 92-93/RR 10 FIN 92-93/RR 11 FIN 92-93/RR 12 FIN 92-93/RR 13 FIN 92-93/RR 14 FIN 92-93/RR 15 FIN 92-93/RR 16 FIN 92-93/RR 17 FIN 93-94/RR 18 FIN 93-94/RR 19 FIN 93-94/RR 20 FIN 93-94/RR 21

FIN 93-94/RR 22 FIN 93-94/RR 23 FIN 93-94/RR 24

Study of Scope and Strategy for Launching Financial Futures Market in India - A K Sen Gupta & Y S R Murthy Shaping the Strategic Focus of the Indian Public Sector Banks - A Saha Study of Evolving Risk Weightage Pattern of Assets of Non-Banking Financial Companies - A K Sen Gupta & K Satyanarayana A Study of Finances of All India Investment Institutions - S V Kuvalekar & O P Chawla Managing Mutual Funds (With Special Reference to Portfolio Selection - Asish Saha & Y S R Murthy Introduction of International Factoring in India : Issues, Problems and Prospects - A K Sen Gupta Commercial Paper Market in India - S V Kuvalekar Securitization of Assets : Developments Abroad and Prospects in India - U S Sohoni Case Studies in Credit Area - S R Shinde Evaluation of Concurrent Audit in Banks - V S Kaveri Banking Expectations of SSI clients of Specialised SSI Branches : A Critical Analysis - K Ramesha Changing Structure and Growth of the SSI Sector - P R Kulkarni & V S Kaveri Financing of SSI during Reform Process: Issues and Suggestions - V S Kaveri, P R Kulkarni & S Mehta Financing of Non-Banking Finance Companies - S V Kuvalekar Seed Capital and Its Catalytic Role - P R Kulkarni Problems and Prospects of SSI Sector in the Changed Environment - P R Kulkarni

FIN 93-94/RR 25

FIN 93-94/RR 26

FIN 93-94/RR 27 FIN 96-97/RR 28 FIN 96-97/RR 29 FIN 97-98/RR 30 FIN 97-98/RR 31 FIN 98-99/RR 32 FIN 98-99/RR 33 FIN98-99/RR34 FIN 98-99/RR 35 FIN 98-99/RR 36 FIN 2000-2001/RR 37 FIN 2000-2001/RR 38 FIN 2001-2002/RR

Maintenance of CRR and SLR by Scheduled Commercial Banks - S V Kuvalekar Credit Flow to SSIs during Post-Reform period - P R Kulkarni & V S Kaveri

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Human Resource Management (HRM) HRM 88-89/RR 01 HRM 88-89/RR 02 HRM 88-89/RR 03 HRM 89-90/RR 04 HRM 92-93/RR 05 HRM 92-93/RR 06 HRM 92-93/RR 07 HRM 92-93/RR 08 HRM 93-94/RR 09 HRM 93-94/RR 10 HRM 93-94/RR11 HRM 93-94/RR 12 HRM 93-94/RR 13 HRM : IR Interface - R Prakasam

HRM Practices in Indian Banks : Certain Issues - R Prakasam

Preparing HRM People - R Prakasam

Employee Performance Appraisal in Public Sector Banks - R Prakasam

Benchmark Study of Industrial Relations in Banking Industry - Jacob Mankidy

Feasibility of Implementing Career Path Planning in Banks - Aruna Mankidy A Radical Behaviouristic Critique of Banduras Social Learning Theory - P K Barthakur Women Executives in Banks : A Profile - Aruna Mankidy Meaning of Working : Study in a Public Sector Bank - Aruna Mankidy & Jacob Mankidy An Empirical Study of Role Innovation of Branch Managers - G S Das A Study on the Behavioural/Psychological Correlate of Non-Repayment Behaviour of Defaulters of Small Banks Loans - P Amsa A Study on Excellent Branch Managers - P Amsa

Leadership and Ethics in Banking : A Study of Managerial Perception - J L Gupta

HRM 94-95/RR 14 HRM 96-97/RR15 HRM 97-98/RR 16 HRM 97-98/RR 17

Development of Measurement Tools for Potential Appraisal - Aruna Mankidy Quality Orientation in Human Resource Management : A Step Towards TQM in Banks - Aruna Mankidy Time Management : Personality Profile - A Mankidy

Study of Profile and Orientating of Bank Union Leaders - A Mankidy

Information Technology (IT) IT 88-89/RR 01 IT 92-93/RR02 IT 92-93/RR 03 IT 92-93/RR 04 Expert Tools for Software System Development - V Mookerjee Connecting Unix Systems Using UUCP Network - K V Dinesha & D D Barve Development of a Presentation Layer for Banknet - K V Dinesha Standardisation of Batch Processing Algorithms for Commercial systems - K V Dinesha & D D Barve Connecting to Videsh Sanchar Nigam Limited - K V Dinesha, D D Barve & D B Bhagwat Role of IT (Information Technology) in Capital Market and Financial Services S M Padwal Development of a Prototype Expert System for Term Lending - R S Desikan Artificial Neural Networks (ANN) for Capital Markets - R S Desikan & Y S R Murthy Banking Technology and Financial Network - V P Gulati, S D Page, A Vaidya & R M Sonar Business Continuity and Disaster Recovery Planning - S M Padwal & S D Page CBT on DSS and RDBMS - V P Gulati & S D Page Systems Audit in Indian Banks - S M Padwal & S D Page

IT 92-93/RR 05

IT 92-93/RR 06 IT 94-95/RR 07 IT 95-96/RR 08

IT 97-98/RR 09 IT 97-98/RR10 IT 97-98/RR 11 IT 98-99/RR 12

IT 2000-2001/RR 13 IT 2000-2001/RR 14

Appraisal and Management of Software Projects - A K Hirve & P R Kulkarni IT/IS Audit in Banks in India - S M Padwal & S D Page

Marketing Management (MM) MM 90-91/RR 01 Study of Market Research in Banking - Atul Bhatt MM 91-92/RR 02 Service Quality in Banking Sector - B N Bhattacharyay MM 92-93/RR 03 Preparation of Case Studies on Marketing and Market Research in Banking - Atul Bhatt

MM 93-94/RR 04 Preparation of Cases in Bank Marketing 1992-93 - Atul Bhatt MM 94-95/RR 05 Study of Market Research in Indian Banks : 1993 - Atul Bhatt MM 95-96/RR 06 Case : A Case on Shared ATMs (PC) - Atul Bhatt MM 96-97/RR 07 Market Orientation and Indian Banks - Atul Bhatt MM 97-98/RR 08 Prepreation of Cases in Marketing for Banks and Financial Institutions - Atul Bhatt MM 97-98/RR 09 Study of Consumer Finance - Atul Bhatt

Money, International Banking and Finance (MIBF) MIBF 89-90/RR 01 MIBF 89-90/RR 02 MIBF 89-90/RR 03 MIBF 89-90/RR 04 Bank Deposits Estimation and Forecasting - Y S R Murthy

Deposits : Methods for Estimation at the Bank Level - Y S R Murthy Management of Bank Credit Cards : A Marketing Approach - Biswa N Bhattacharyay Options as Hedges for Foreign Currency Exposure : Implications for India - Wilson Varghese

MIBF 90-91/RR 05 MIBF 91-92/RR 06 MIBF 92-93/RR 07 MIBF 92-93/RR 08. MIBF 92-93/RR 09 MIBF 92-93/RR 10 MIBF 92-93/RR 11 MIBF 92-93/RR 12 MIBF 92-93/RR 13 MIBF 92-93/RR 14 MIBF 92-93/RR 15 MIBF 92-93/RR 16 MIBF 93-94/RR 17 MIBF 93-94/RR 18 MIBF 93-94/RR 19

A Monetary General Equilibrium Model of Trade and Inflation Exchange Rate and Credit Policy Effects on Indian Economy - M Thomas Paul Comparative Performance and Conduct of Foreign Controlled and Domestic Firms in the Indian Engineering Industry - P K Keshari Bilateral Productivity and Performance Comparisons of Public Sector Banks in India - Ganti Subrahmanyam & Sooraj B Swami Demand for Money, Inflationary Expectation and Stock Market - M Thomas Paul

Export of Banking Services : A Quantitative Study - Sukumar Nandi Financial Disintermediation : A View from the Household Portfolio Preferences Ganti Subrahmanyam, S B Swami & O P Chawla International Capital Flows : Some Focus on Developing Countries - M Thomas Paul & G Haresh A Micro-Econometric Study of Characteristics of Financial Instruments and Financial Innovation - Y Sree Rama Murthy Multi Country Exchange Rates and Bond Markets : A VAR Approach - M Thomas Paul, G Haresh, Sujata Kulkarni & K V Dinesha The Nature of Service Sector in the Indian Economy and its Potential for Export Dhanmanjiri Sathe Theory and Practice of Portfolio Management : Implications for Indian Banks - Y Sree Rama Murthy Two Essays on Banking and Monetary Policy Issues - Ganti Subrahmanyam & S B Swami Exchange Rate of Indian Rupee : Research Report - S Nandi

Operations of Foreign Banks and Domestic Banks in India - P K Keshari Exchange Rate Volatility and Export Performance of Developing Countries - M Thomas Paul, G Haresh & J Sherkar

MIBF 93-94/RR 20 MIBF 93-94/RR 21 MIBF 94-95/RR 22 MIBF 94-95/RR 23 MIBF 94-95/RR 24 MIBF 95-96/RR 25 MIBF 95-96/RR 26 MIBF 95-96/RR 27 MIBF 95-96/RR 28 MIBF 95-96/RR 29 MIBF 95-96/RR 30 MIBF 96-97/RR 31 MIBF 96-97/RR 32 MIBF 96-97/RR 33 MIBF 96-97/RR 34

Bank Deposit Behaviour at the Regional and Micro Levels - Y S R Murthy Asset Liability Management in the Developing Countries - M Thomas Paul & G Haresh Capital Flight from India : Determinants and Economic Implications - Sukumar Nandi Study of Loss Making Branches - Y S R Murthy Macroeconomic Constraints and Structural Adjustment in India : A Comparative Study - Srinivasa Sundararajan & Ganti Subrahmanyam Financial Behaviour of Households in India - G Subrahmanyam & S B Swami Financial Liberalization and Demand for Money in Asian Countries - M Thomas Paul & G Haresh Demand for Money, the Stock Market and Financial Environment - M Thomas Paul A Study of the Functional Aspects of Forex Markets in India - M Thomas Paul & Vishwas Takale Software Development of Analysisof Economic Environment for Business Estimation (Floppy) - Y S R Murthy International Capital Mobility - Sukumar Nandi

Demand for International Reserve and Liquidity - Sukumar Nandi Euro-Currency, Real Interest Rate Equalization and the Integration of International Financial Markets - M Thomas Paul Study of Inflation in Asian Countries (1970-1992 : Quarterly Data) - M Thomas Paul Do Exchange Rates Follow a Chaotic Path ? An Empirical Analysis - S sundararajan & V Subramanian

MIBF 96-97/RR 35 MIBF 97-98/RR 36 MIBF 97-98/RR 37 MIBF 97-98/RR 38 MIBF 98-99/RR 39 MIBF 98-99/RR 40 MIBF 98-99/RR 41 MIBF 19992000/RR 42 MIBF 19992000/RR 43

Asset Liability Management of Selected Commercial Banks - M Thomas Paul

EMU, EURO and India - G Subrahmanyam, S V S Dixit & Arindam Roy

Cases in International Banking - J M Jamkhandi

Regional Growth Cycles and Profitability of Commercial Banks - Sukumar Nandi Exchange Rate Pass Through and Balance of Trade in India : An Empirical Study Sukumar Nandi Offshore Banking Units in India : Issues, Implications and Prospects - J M Jamkhandi Role of Foreign Direct Investment in Developing Countries - M Thomas Paul & J M Jamkhandi Growth, Financial Cycles and Bank Efficiency : A Study of Indian Money Market Sukumar Nandi Linkages between Money and Capital Market - Sukumar Nandi

Rural Finance and Development (RFD) RFD 88-89/RR 01 RFD 88-89/RR 02 RFD 88-89/RR 03 RFD 88-89/RR 04 RFD 88-89/RR 05 RFD 89-90/RR 06 RFD 89-90/RR 07 Development with External Resources - M V Bhatawdekar Education of the Rural Borrowers - M V Bhatawdekar & N B Shete Managerial Aspects of IRDP - O P Chawla & Atul Bhatt Planning for Development of Villages - K Dinker Rao Evaluation Study of Girna Irrigation Project - R K Patil & R Dasgupta Banking in the 1990s : Problems and Issues - M V Bhatawdekar Determinants of Agricultural Performance (Tentative Explanations) - R Dasgupta

RFD 89-90/RR 08 RFD 89-90/RR 09 RFD 89-90/RR 10

External Debt of India - M V Bhatawdekar Santalpur Block after Seven Years - Atul Bhatt Studies on Self Help Groups of the Rural Poor from Maharashtra and Gujarat - K Dinker Rao & Salil Mehta Development of Women and Children in Rural Area (DWCRA) (FF) - N B Shete & G L Karkal The Impact of Voluntary Agency on Rural Development (FF) - S Datta The Impact of Voluntary Agency on Rural Development (FF) - R Banerjee & S Datta Key Elements in Successful Development Intervention (FF) - S Sinha Reaching the Poor (FF) - V D Deshpande Studies in Alternative Models of Development (FF) - S Gautam Vohra Rural Development the ASSEFA Way (FF) - M J Arul Rehabilitation Approach to Poverty Alleviation (FF) - Anil Bhatt A Summary of Case Studies on Poverty Alleviation Programmes (FF) Canara Banks Rural Service Volunteer in Timmalapura Tandya - K Dinker Rao Statistical Analysis of Agricultural Credit - Rajaram Dasgupta Development of Rural Industries, SSI and Tiny Units and the Role of Banks : A Survey - D P Khankhoje & V S Kaveri Financial Innovations in Rural Lending : An Indian Experience - N B Shete Linking of Agricultural Research System with Commercial Banks - N B Shete Perspective Study of DWCRA, Pune - K Dinker Rao & N B Shete A Pilot Study of Present Status of Agriculture Technical Personnel in Banks - N B Shete & D P Khankhoje Womens Savings and Credit Schemes : Three Studies - K Dinker Rao & N B Shete FORA for Coordination under Lead Bank Scheme - D P Khankhoje

RFD 89-90/RR 11 RFD 89-90/RR 12 RFD 89-90/RR 13 RFD 89-90/RR 14 RFD 89-90/RR 15 RFD 89-90/RR 16 RFD 89-90/RR 17 RFD 89-90/RR 18 RFD 89-90/RR 19 RFD 90-91/RR 20 RFD 90-91/RR 21 RFD 92-93/RR 22 RFD 92-93/RR 23 RFD 92-93/RR 24 RFD 92-93/RR 25 RFD 92-93/RR 26 RFD 92-93/RR 27 RFD 93-94/RR 28

RFD 95-96/RR 29

Conceptual Framework for a Training Strategy for Bankers on Credit Needs for Poor Women - K Dinker Rao Service Area Plan with Peoples Participation (Junnar Block) - K Dinker Rao, V A Deshpande & M N Sante Indepth Study on the Impact of Agriculture and Rural Debt Relief Scheme : 1990 on the Rural System - Sponsored by NABARD Strategies for Recovery of Non-Performing Advances in Priority Sector - K V Patel & V S Kaveri Study of Recovery Performance of Bank Loans in Orissa : I & II - R Dasgupta, K Dinker Rao & N B Shete Greenhouse Technology for Production of Horticultural Crops - N B Shete A Study of Hi-Tech (Agriculture) Branches of Commercial Banks - N B Shete Training of SSI Entrepreneurs - K V Patel, V S Kaveri, K Dinker Rao & D P Khankhoje Study of SHGs and Linkage Programme - K Dinker Rao & R Dasgupta An Analysis of Non Performing Advances of Public Sector Banks with Special Reference to Priority Sector Credit - N B Shete, R Dasgupta & K Dinker Rao

RFD 95-96/RR 30

RFD 95-96/RR 31

RFD 96-97/RR 32

RFD 96-97/RR 33 RFD 97-98/RR 34 RFD 97-98/RR 35 RFD 97-98/RR 36 RFD 19992000/RR 37 RFD 20012002/RR 38

Maharashtra Rural Credit Project (MRCP) RFD 95-96/RR 39 Maharashtra Rural Credit Project : On-going Evaluation I - K Dinker Rao & Team MRCP I Phase II (a) Beed District - N B Shete (b) Bhandara District - D P Khankhoje (c) Amravati District - K Dinker Rao Maharashtra Rural Credit Project : On-going Evaluation II - K Dinker Rao MRCP II Phase II (a) Amravati District - K Dinker Rao (b) Gadchiroli District - R Dasgupta (c) Beed District - R Dasgupta

RFD 96-97/RR 40

(d) Bhandara District - R Dasgupta RFD 97-98/RR 41 Maharashtra Rural Credit Project : On-going Evaluation III - K Dinker RaoMRCP III Phase II (a) Amravati District - N B Shete (b) Beed District - N B Shete (c) Bhandara District - N B Shete (d) Gadchiroli District - N B Shete Maharashtra Rural Credit Project : On-going Evaluation IV - R Dasgupta MRCP IV Phase II (a) Beed District - D P Khankhoje (b) Gadchiroli District - D P Khankhoje (c) Amravati District - D P Khankhoje (d) Bhandara District - D P Khankhoje Maharashtra Rural Credit Project : On-Going Evaluation - V - D P Khankhoje & Team Maharashtra Rural Credit Project : On-Going Evaluation - VI - R Dasgupta & Team

RFD 97-98/RR 42

RFD 19992000/RR 43 RFD 19992000/RR 44 RFD 20002001/RR 45 RFD 20002001/RR 46 RFD 20002001/RR 47 RFD 20012002/RR 48

Maharashtra Rural Credit Project : Ongoing Evaluation - VII - R Dasgupta & Team Maharashtra Rural Credit Project : Ongoing Evaluation - VIII - K Dinker Rao & Team Maharashtra Rural Credit Project : Ongoing Evaluation - IX - R Dasgupta & Team

Integration Study - K Dinker Rao

Strategic Planning, Management and Control (SPMC) SPMC 88-89/RR 01 SPMC 92-93/RR 02 Profile of Chairmen of Regional Rural Banks - S S Kshirsagar & N B Shete Study on Organizational Diagnosis Techniques in Public Sector Banks - Anuradha R

SPMC 93-94/RR 03 SPMC 95-96/RR 04 SPMC 96-97/RR 05 SPMC 97-98/RR 06 SPMC 97-98/RR 07 SPMC 98-99/RR 08

Strategic Responses of Public Sector Banks to Environmental Changes - Anuradha R Organizational Design in Head Office and Zonal Offices with Reference to Departmentalization -Anuradha R Span of Control Efficiency of Regional Managers - Anuradha R A Survey on Organizational Effectiveness in Banks and Financial Institutions : Pilot Study - Anuradha R Cases in Strategic Management in Banks and Financial Institutions - D Ghosh roy

Preparation of Cases in Strategic Management - D Ghosh Roy

Working Papers 2001-2005


Finance (FIN) Human Resource Management (HRM) Information Technology (IT) Rural Finance and Development (RFD) Strategic Planning, Management and Control (SPMC)

Finance (FIN) FIN 20012002/WP 76 FIN 20012002/WP 77 FIN 20012002/WP 78 PLR and Export Credit T Chherawala

Credit Monitoring System in Banks V S Kaveri

Specialized SSI Branches P R Kulkarni

FIN 20012002/WP 79 FIN 20012002/WP 80 FIN 20022003/WP 81 FIN 20022003/WP 82 FIN 20032004/WP 83 FIN 20032004/WP 84 FIN 20042005/WP 85 FIN 20042005/WP 86 FIN 20042005/WP 87

Norms of Financing of SSis : Need for Review P R Kulkarni

Factoring Services in India : Focus on Recourse Factoring S V Kuvalekar

Risk Management the Operations of Primary Dealers S V Kuvalekar

Indian Banking System Gearing up for Basel II K Satyanarayana

Best Practices in Supervision of Banks P K K Krishnan

Recovery Measures V S Kaveri

Risk-Based Internal Audit in Banks : Framework for Risk Assessment V S Kaveri

Due Diligence in Credit Management V S Kaveri Estimating Default correlation for Indian firms : A Rating Based Approach Arindam Bandyopadhyay

Human Resource Management (HRM) HRM 20022003/WP 32 Knowledge Management in Banks : An Integrative Rold of Human Resource Department Mohit P Kumar & Vaishali DKK

Information Technology (IT) IT 2004-2005/WP Changing Face of Banking Services in India Atul B Naik 10

Rural Finance and Development (RFD) RFD 20012002/WP 62 RFD 20012002/WP 63 RFD 20012002/WP 64 RFD 20022003/WP 65 RFD 20022003/WP 66 RFD 20022003/WP 67 Priority Sector Advances by the Public Sector Banks during the Post-Reform Period : 1992-93 to 1999-2000 R Dasgupta, K Dinker Rao & N B Shete Management of Non-Performing Advances and Risks in Cooperative Banks : A View Point V S Kaveri & N B Shete Priority Sector Lending, Yesterday, Today and Tomorrow R Dasgupta

Microinsurance Emerging Dimension of Micro-Finance D P Khankhoje

Agro-Exports and Role of Banks N B Shete

Agriculture Lending Revisited N B Shete

Strategic Planning, Management and Control (SPMC) SPMC 200001/WP 20 Design issues at Corporate Office for Risk Management Anuradha R

1983-84 - 2001-02

Finance Human Resources Management (HRM) Information Technology (IT) Marketing Management (MM) Money, International Banking & Finance (MIBF) Rural Finance & Development (RFD)

Strategic Planning, Management & Control (SPMC)

Finance (FIN) FIN 83/WP 01 FIN 83/WP 02 FIN 85/WP 03 FIN 85/WP 04 FIN 85/WP 05 FIN 85/WP 06 FIN 85/WP 07 FIN 85/WP 08 FIN 85/WP 09 FIN 85/WP 10 FIN 85/WP 11 FIN 85/WP 12 FIN 85/WP 13 FIN 86/WP 14 FIN 86/WP 15 FIN 86/WP 16 FIN 87/WP 17 FIN 87/WP 18 Comparative Study on the Actual and Potential Capacity of a Bank to Create Secondary Deposits - G L Karkal Cost and Profitability in Banks - Varsha S Varde & S P Singh Changing Structure and Growth of Industries - V S Kaveri Company Mergers in India : An Empirical Study - V S Kaveri Cybernetics of Financial Flows and Demand Management of Money - A K Chakraverti Study of Inspection of Branches : A Survey - V S Kaveri Review of Working Capital in India - V S Kaveri Study of Period Involved in Credit Sanctions to Medium and Large Industries - M V Sonalker & V S Kaveri Study of Suspense Accounts - M V Sonalker & V S Kaveri Review Studies on Industrial Sickness - V S Kaveri Review of Inspection of Branches - V S Kaveri Study of Monitoring of Term Loans - M V Sonalker & V S Kaveri Study of Short Term Review of Large Advances - M V Sonalker & V S Kaveri Working Capital Management and Finance - S P Singh Approaches to Profit Planning in Banks - Varsha S Varde Break-Even for Bank Branches - Varsha S Varde Bank Credit and Economic Development : Back to the Principles - S P Singh Bank Deposits in 2001 AD : Some Time Series Forecasts - B Kamaiah, D Balaiah & D M Nachane

FIN 87/WP 19 FIN 87/WP 20 FIN 87/WP 21 FIN 87/WP 22 FIN 87/WP 23 FIN 87/WP 24

Comparing Bank Concentration across Regions in India - B N Bhattacharyay Empirical Studies on Savings in the Form of Financial Assets - B N Bhattacharyay & Y S R Murthy Impact of Public Deposits and Debentures on Bank Borrowings - V S Kaveri An International Cross Section Study in Explaining Differences of Financial Infrastructural System - B N Bhattacharyay Managing Credit Deposit Ratio in Commercial Banks - Varsha S Varde & S P Singh On the Determinants of Industrial Output in India - B Kamaiah, D Balaiah & S V Kashalkar On the Use of Financial Ratios for Classifying Banks in India - B Kamaiah & S V Date Annual Review of a Borrowal Account - V S Kaveri A Deposit Planning Framework at the Banking System Level - B N Bhattacharyay Approach to Working Capital Management - S P Singh Credit Authorisation Scheme : Further Liberalisation - S P Singh Excellence in Management Education - S P Singh Future of Indian Banking - S P Singh Humanities Input in Management Education - S P Singh Notes on Introducing Factoring Services - S P Singh reparation of Business Plan at a Branch Level in Banks - Y S R Murthy & V S Kaveri Review of Bank Profitability Studies with Special Reference to Indian Banks - K Kulkarni, B Kamaiah & O P Chawla Revival of Industrial Sickness and BIFR - V S Kaveri A Study of the Management Practices of Small Scale Industrial Units in the Unorganised Sector and their Impact on the Indian Banking Industry - H Y Kulkarni & V S Kaveri Beyond Short-Term Financial Goals - S P Singh

FIN 87/WP 25 FIN 88/WP 26 FIN 88/WP 27 FIN 88/WP 28 FIN 88/WP 29 FIN 88/WP 30 FIN 88/WP 31 FIN 88/WP 32 FIN 88/WP 33 FIN 88/WP 34 FIN 88/WP 35 FIN 88/WP 36

FIN 88/WP 37

FIN 88/WP 38

FIN 88/WP 39 FIN 89-90/WP 40 FIN 89-90/WP 41 FIN 89-90/WP 42 FIN 90-91/WP 43

Zero Base Budgeting : Its Relevance and Applicability in Indian Commercial Banks - A Saha Funds Planning and Control Systems in Banks - O P Chawla Industrial Sickness in India : An Overview - V S Kaveri Takeover of Companies in India - V S Kaveri New Instruments of Rehabilitation of Sick Industrial Units : Mergers and Acquisitions - S R Shinde Orientation of Bank Branch Managers towards Marketing of Credit : An Empirical Study - A K Sen gupta Applicability of Norms in Financial Decision Making - S P Singh & B N Bhattacharyay Economic Integration of the European Community (1992) and its Implications for Indian Banking Industry - A K Sen Gupta & S Pusegaonkar Management of Non-Performing Advances - S R Shinde & V S Kaveri Success Stories on Rehabilitation of Sick SSI Units - V S Kaveri Developing a Rating Model for Indian Banks - A K Sen Gupta & A R Patki Intuition in Credit Decisions in Banks and its Correlates - A K Sen Gupta Restructuring of Public Sector Banks Strategic Alliance rather than Straight Mergers is a More Feasible Solution - S R Shinde & D P Khankhoje Corporate Capital Structure : Concept and Relevance in Public Enterprises - S V Kuvalekar Study of Sick Public Sector Enterprises - V S Kaveri Asset-Liability Management in Banks : A Conceptual Framework - S V Kuvalekar & V S Kaveri Credit Monitoring System in Banks - V S Kaveri Future Role of Internal Auditors in EDP Audit in Banks - V S Kaveri Study of Concurrent Audit in Banks - V S Kaveri

FIN 90-91/WP 44

FIN 91-92/WP 45

FIN 91-92/WP 46 FIN 91-92/WP 47 FIN 91-92/WP 48 FIN 91-92/WP 49 FIN 91-92/WP 50 FIN 91-92/WP 51

FIN 92-93/WP 52 FIN 93-94/WP 53 FIN 95-96/WP 54 FIN 96-97/WP 55 FIN 96-97/WP 56 FIN 96-97/WP 57

FIN 97-98/WP 58 FIN 98-99/WP 59 FIN 19992000/WP 60 FIN 19992000/WP 61 FIN 19992000/WP 62 FIN 19992000/WP 63 FIN 19992000/WP 64 FIN 19992000/WP 65 FIN 19992000/WP 66 FIN 19992000/WP 67 FIN 19992000/WP 68 FIN 19992000/WP 69 FIN 19992000/WP 70 FIN 19992000/WP 71 FIN 20012002/WP 72 FIN 20012002/WP 73

Asset-Liability Management II - V S Kaveri Investment Decision Making in Banks - S V Kuvalekar Maintenance of CRR & SLR by Scheduled Commercial banks: Strategies - S V Kuvalekar Women in Industry - P R Kulkarni Extension and Support Services for Accelerating Growth of SSI : An Overview - P R Kulkarni SSIs and NPAs : The Real Issue - P R Kulkarni

Institutional Finance in the Development and Growth of SSI - P R Kulkarni

Financial Structure for Backward Area Development - P R Kulkarni

Compromise as a strategy for Recovery of NPAs in SSI - Suresh Mehta

SSI Policies in the Changing Economic Environment - Suresh Mehta

Prevention of Sickness and Strategies Role of SSI Branches - Suresh Mehta

Evolving a Framework for Management Appraisal - Suresh Mehta Total Return Analyses and Its Management in Bond Portfolio : Techniques and Strategies - V Subramanian & A Saha Extensive Support Services for Accelerating Growth of SSI : An Overview - P R Kulkarni & V S Kaveri PLR and Export Credit - T Chherawala

Credit Monitoring System in Banks - V S Kaveri

FIN 20012002/WP 74 FIN 20012002/WP 75 FIN 20012002/WP 76

Specialized SSI Branches - P R Kulkarni

Norms of Financing of SSis : Need for Review - P R Kulkarni

Factoring Services in India : Focus on Recourse Factoring - S V Kuvalekar

Human Resource Management (HRM) HRM/WP 01 HRM 82/WP 02 HRM 83/WP 03 HRM 84/WP 04 HRM 84/WP 05 Time Management Personality Profile - Aruna Mankidy Job Rotation Practices and Employee Attitudes - R Prakasam Profile of Loss Making Branches : A Descriptive Analysis - R Prakasam Employee Performance Appraisal in Public Sector Banks - R Prakasam Social Skills as Noise Reduction in Interpersonal Communication : A Two Factor Mode l - Some Contributions to Managerial Training - P K Barthakur Some Critical Evaluations of Performance Appraisal in Public Sector Banks : A Pilot Study - R Prakasam Organisational Culture and Work Group Behaviour : An Empirical Study - P Amsa Profile of Trainees and their Training Needs - G R Deekshit, G D Gadre, A N Nerkar & V S Kaveri Quality Circle : An Approach to Human Resource Development - Jacob Mankidy Leadership Behaviour and Role Effectiveness of Regional Managers in a Public Sector Bank - P Amsa & K N Aithal Transfer of Training to the Job : A Survey of the Recent Studies - P Amsa Organisation Committment among Bank Employees : Extent and Correlates : Report - M Rostami & R Prakasam Dual Dimensional Control : Development of an Instrument and Some Preliminary

HRM 84/WP 06 HRM 84/WP 07 HRM 86/WP 08 HRM 87/WP 09 HRM 89-90/WP 10 HRM 91-92/WP 11 HRM 91-92/WP 12 HRM 91-92/WP

13 HRM 91-92/WP 14 HRM 91-92/WP 15 HRM 91-92/WP 16 HRM 91-92/WP 17 HRM 91-92/WP 18 HRM 91-92/WP 19 HRM 91-92/WP 20 HRM 93-94/WP 21 HRM 94-95/WP 22 HRM 95-96/WP 23 HRM 97-98/WP 24

Findings - G S Das Ethics in Management - J L Gupta

How to Prepare a New Entrant for Todays Banking - P Amsa

Towards Better Functioning of Women Managers in Banks - Aruna Mankidy Work Group Climate in Banks : Diagnosis and Suggestions for Improvements - G S Das Management of Training in Banks - P K Barthakur Training Intervention for Women in Banks : An Indian Experience - Aruna Mankidy A Study on Organisational Culture of Banks - P Amsa

Developing Potential Appraisal System for Banks - Aruna Mankidy

HRM in Banks : A Historical Perspective - Biju Varkey & Aruna Mankidy New Perspectives of Employment Relations in Banking : Changing Role of Management - Jacob Mankidy Need and Distribution Potential for Audio-Visual Based Training Material for the Banking Industry - Aruna Mankidy

Information Technology (IT) IT/WP 01 IT 88/WP 02 IT 88/WP 03 Information Technology as a Strategic Response - S M Padwal Business Expert Systems - V Mookerjee Computer Simulation Model of a Bank Branch : An Aid to Branch Level Planning -

V Mookerjee IT 88/WP 04 IT 89-90/WP 05 Knowledge Based Systems Using Decision Tables - V Mookerjee Auro Branch Management System : An Introduction to the Technology of Banking - S G Marathe Computer Based Training in Indian Banks : Potential and Prospects - A M Nagarkar & S G Marathe Developing a Packet Radio Network - K V Dinesha Development of a Software Package for Forward Error Connection - K V Dinesha, D Gurumurthy, B Singh & P Kumar Banks and Vigilance Administration - A K Hirve

IT 89-90/WP 06 IT 92-93/WP 07 IT 92-93/WP 08 IT 98-99/WP 09

Marketing Management (MM) MM 95-96/WP 01 Study of Market Research in Indian Banks - A Bhatt

Money, International Banking and Finance (MIBF) MIBF 83/WP 01 MIBF 84/WP 02 MIBF 84/WP 03 MIBF 84/WP 04 MIBF 84/WP 05 MIBF 85/WP 06 Interest Rates and the Fisher Effect in India : An Empirical Study - M Thomas Paul Behaviour of Aggregate Bank Deposits and their Determinants in India - M Thomas Paul & B N Bhattacharyay Government Expenditures Valuation and the Multiplier - Ganti Subrahmanyam A Sample Design for an All India Survey to Study the Savings and Deposit Trends and Patterns of Households and Institutions of India - B N Bhattacharyay Management of Exchange Rate of the Rupee since its Basket Link - S K Verghese A Framework for Sampling Design and Organisation for an All India SocioEconomic Survey for Households and Institutions of India - B N Bhatacharyay

MIBF 85/WP 07 MIBF 85/WP 08 MIBF 85/WP 09 MIBF 85/WP 10

A Note on Household Savings in India - B Kamaiah Foundations and Tests of Causality : A Review - B Kamaiah, Ganti Subrahmanyam & G L Karkal Savings Behaviour in India : 1951-1982 - M Thomas Paul Velocity of Money : Some Conceptual and Empirical Issues - M Thomas Paul & B Kamaiah Wealth Effects in L M Stability and the Efficacy of Economic Policies - Ganti Subrahmaniam An Empirical Study of Causal Relationship between Money Supply and Income in India - B N Bhattacharyay An Inter Regional Study of Bank Deposits and Bank Branch Expansion - B N Bhattacharyay Deposit Forecasting for the Indian Banks : Some Arima Estimates - V Chittibabu & B Kamaiah Evaluation of Soft Loan Scheme - V S Kaveri & B M Jani Measurement of Output Scale Economic and Productivity of Banks : A Methodological Note - Ganti Subrahmanyam Monetary Planning in the Nineties : A System Analysis Approach - A K Chakraverti Monograph on Inter-Sectoral Financial Transactions in the Indian Economy - S B Swami & B Kamaiah Money Experience of India : Supply Shocks and the Demand for Money in India M Thomas Paul The Effect of Income on Banks, Deposits : An Inter Regional Analysis - B N Bhattacharyay The Hidden Economy and the Evasion Multipliers - Ganti Subrahmanyam What Explanatory Job Can Buoyancies and Elasticities Do? - Ganti Subrahmanyam, B Kamaiah & S B Swami Tax Buoyancies and Elasticities - Ganti Subrahmanyam & S B Swami

MIBF 85/WP 11

MIBF 86/WP 12

MIBF 86/WP 13

MIBF 86/WP 14 MIBF 86/WP 15 MIBF 86/WP 16 MIBF 86/WP 17 MIBF 86/WP 18

MIBF 86/WP 19

MIBF 86/WP 20 MIBF 86/WP 21 MIBF 86/WP 22 MIBF 86/WP 23

MIBF 86/WP 24

Time Domain Causality Tests : An Application to Study the Empirical Relationship between Money and Income in India - B N Bhattacharyay An Inter-regional Study of Bank Deposits and Bank Branch Expansion - B Bhattacharyay Import Prices, Exchange Rates, Unanticipated Money and Inflation : Indian Experiences - M Thomas Paul, H K Pradhan & I S Ashok On the Use of Financial Ratios for Classifying Banks in India - B Kamaiah & S V Date Empirical Studies on Savings in the Form of Financial Assets : A Review - B Bhattacharyay & Y S R Murthy Comparing Banks Concentration Across Regions in India - B Bhattacharyay Relevance of Exchange Rate forecasting Models - Wilson Varghese Deposit Mobilisation : A Marketing Approach - B N Bhattacharyay Evaluation of Customer Service in Banking Industry in India - B N Bhattacharyay Monetisation and Economic Growth : A New Approach and Evidence - Ganti Subrahmanyam & S B Swami Money Definitions and Money Stock Measures : A Critical Survey - Ganti Subrahmanyam & S B Swami The Money Multiplier and the Money Stock Determination in India - Ganti Subrahmanyam & S B Swami A Ratio Analysis of Bank Branches : A Case Study of a Nationalized Bank in Tamil Nadu Region - B Kamaiah, P D Nayak & V S Kaveri Regional Demand for Bank Deposits - B N Bhattacharyay Trends in Excess Reserves of Commercial Banks and Monetary Regulation : An Econometric Review - A K Chakraverti Offsetting Coefficient to Monetary Policy : Monetarist, Portfolio Balance and Keynesian Estimates for India - S K Kulkarni & H K Pradhan An Empirical Note on the Maturity Pattern of Bank Fixed Deposits : A Study Based on Canonical Correlation - Y S R Murthy

MIBF 86/WP 25

MIBF 87/WP 26

MIBF 87/WP 27

MIBF 87/WP 28 MIBF 87/WP 29 MIBF 88/WP 30 MIBF 88/WP 31 MIBF 88/WP 32 MIBF 88/WP 33

MIBF 88/WP 34

MIBF 88/WP 35

MIBF 88/WP 36 MIBF 88/WP 37 MIBF 88/WP 38

MIBF 88/WP 39 MIBF 89-90/WP 40

MIBF 89-90/WP 41 MIBF 89-90/WP 42 MIBF 89-90/WP 43 MIBF 90-91/WP 44 MIBF 91-92/WP 45 MIBF 91-92/WP 46 MIBF 92-93/WP 47

The Exchange-Rates Forecasting : A Survey of Some of the Theoretical and Empirical Issues - M Thomas Paul Foreign Exchange Rates : Regression Forecasting Models for Some Major Currencies - M Thomas Paul & M Ashtekar Foreign Exchange Rates : Comparison of Time Series (ARIMA) Forecasts - M Thomas Paul & M Ashtekar Country Risk Monitoring Models for Indian Banks - Y S R Murthy Comparative Export Behaviour of the Foreign Controlled and Domestic Firms in the Indian Engineering Industry - P K Keshari International Debt Crisis - P K Keshari Financial Resources Mobilization in Less Developed countries : The Role of Marketing - B N Bhattacharyay

Rural Finance and Development (RFD) RFD/WP 01 RFD 78/WP 02 RFD 79/WP 03 RFD 83/WP 04 RFD 84/WP 05 RFD 84/WP 06 RFD 84/WP 07 RFD 84/WP 08 RFD 85/WP 09 Innovations in Social Banking : Some Issues - D P Khankhoje Peoples Perception of Progress in Rural India An Evaluative and Analytical Report on Rural Action Project - S Dasgupta Development of Backward Areas - N B Shete & V S Kaveri Agricultural Banking in Indonesia : Structure, Policy and Performance of Bank Rakyat, Indonesia - D P Khankhoje Institutional Credit System and Role of Bank Pertinian, Malaysia - D P Khankhoje Role of Regional Rural Banks in Development Banking in India - K V Patel & N B Shete Self Employment Scheme for the Educated Unemployed : 1983-84 - V K Chebbi Analysis of Agricultural Performance without any Analytical Framework : 1952-82

- R Dasgupta RFD 85/WP 10 RFD 85/WP 11 RFD 85/WP 12 RFD 85/WP 13 RFD 85/WP 14 RFD 85/WP 15 Bank Finance for Land Development in the Irrigation Commands - R K Patil Formulation of District Credit Plans : An Approach to Estimation of Credit Demand - K Dinker Rao & D P Khankhoje Lead Bank Scheme : Testing Ground for Delivery System - K Dinker Rao Liberalisation of Automobile Industry and Demand for Commercial Vehicles - R Dasgupta Operational Credit Plan for Bailhongal Block - D P Khankhoje & K Dinker Rao Planning for Development of Villages : An Evaluation of IRDP - G Kambale & Jatin Aziz Bank Credit for Development Management of Dairy Development Schemes : Experience of Some Commercial Banks in India - K V Patel & N B Shete A Study of Private Sector Banks (Parts 1 & 2) - M S Apte & D P Khankhoje Service Area Approach : Formulation of Credit Plan - D P Khankhoje & K Dinker Rao Contradictions in Service Area Approach - R Dasgupta

RFD 85/WP 16 RFD 87/WP 17 RFD 87/WP 18 RFD 88-89/WP 19 RFD 88-89/WP 20 RFD 88-89/WP 21 RFD 88-89/WP 22 RFD 88-89/WP 23 RFD 88-89/WP 24 RFD 90-91/WP 25

Ethics of Environment and Environment of Ethics - R Dasgupta

Finance and Development of SSI - V S Kaveri & D P Khankhoje

Formulation of Service Area Plans - K Dinker Rao

Monitoring of Service Area Plans - K Dinker Rao Service Area Approach : Junnar Model - K Dinker Rao, V A Deshpande & N B Shete Financial Innovations for Rural Lending : Experiences of Financial Institutions - N B Shete

RFD 90-91/WP 26 RFD 90-91/WP 27 RFD 90-91/WP 28 RFD 90-91/WP 29 RFD 90-91/WP 30 RFD 90-91/WP 31 RFD 91-92/WP RFD 92-93/WP 33 RFD 92-93/WP 34 RFD 92-93/WP 35 RFD 92-93/WP 36 RFD 92-93/WP 37 RFD 93-94/WP 38 RFD 93-94/WP 39 RFD 93-94/WP 40

Participation of Women in Rural Development : Issues and Approaches - N B Shete Service Area Approach : Training - K Dinker Rao

Service Area Approach for Regional Managers - K Dinker Rao Strategies for Increasing Pulse Production : Role of Financial Institutions - N B Shete Research Achievements on Horticultural Crops : Implications to Financial Institutions - N B Shete Research Methodologies Adopted in Farm Mechanisation Studies conducted by the Banks : Some Observations - N B Shete Report of the Committee on the Financial System and Economic Development - R Dasgupta A Cooperative Approach to Priority Sector Lending - R Dasgupta

National Rural Bank of India : Some Issues - D P Khankhoje

Perfect Planning for Poverty : Implicit Becoming Explicit - R Dasgupta

Service Area Approach : A Need for Reconsideration - R Dasgupta

Financial Reform for Rural and Semi-urban Areas : Pursue or Perish - R Dasgupta

Service Area Approach and Liberalisation - K Dinker Rao

Evaluation Study of Service Area Approach - K Dinker Rao

Analysis of Agricultural Credit with District Level Data - R Dasgupta

RFD 93-94/WP 41 RFD 93-94/WP 42 RFD 94-95/WP 43 RFD 95-96/WP 44 RFD 95-96/WP 45 RFD 97-98/WP 46 RFD 97-98/WP 47 RFD 98-99/WP 48 RFD 98-99/WP 49 RFD 19992000/WP 50 RFD 19992000/WP 51 RFD 19992000/WP 52 RFD 19992000/WP 53 RFD 19992000/WP 54 RFD 19992000/WP 55

Service Area Approach : Bankers View - K Dinker Rao Agricultural Technical Personnel in Commercial Banks and the Conversion - N B Shete & D P Khankhoje Financial Sector Reforms, Underprivileged Sector and Economic Development : Lessons from Three Years - R Dasgupta Refocusing Extension Endeavours in Meeting Future Challenges of Agriculture in India - N B Shete Emerging Issues in Bank Financing High-tech Agriculture - N B Shete

Analysis Performance of RRBs : 1993-96 - R Dasgupta

Trend in Rural Credit in India and the Effect on the Economy - R Dasgupta Management of Rural Banking : A Review of Expert Committee Reports and Beyond - R Dasgupta Maharashtra Rural Credit Project : A View from Horses Mouth - K Dinker Rao

Banking Sector Reforms and Rural Credit - N B Shete Strategies for Management of Non-Performing Advances of Public Sector Banks in Priority Sector - N B Shete Problems and Prospects of Financing Food Processing Industries in India - N B Shete Alternative Models for Broadening the Receptivity of Rural Credit to the Rural Poor without Risk - N B Shete Performance of the Regional Rural Banks during the Post-Reform Period : 199499 - N B Shete Priority Sector Credit by the Public Sector Banks during the Post-Reform Period : 1992-99 - N B Shete

RFD 19992000/WP 56 RFD 20012002/WP 57 RFD 20012002/WP 58 RFD 20012002/WP 59

An Approach to Rural Credit for Growth, Employment and Profitability - R Dasgupta Priority Sector Advances by the Public Sector Banks during the Post-Reform Period : 1992-93 to 1999-2000 - R Dasgupta, K Dinker Rao & N B Shete Management of Non-Performing Advances and Risks in Cooperative Banks : A View Point - V S Kaveri & N B Shete Priority Sector Lending, Yesterday, Today and Tomorrow - R Dasgupta

Strategic Planning, Management and Control (SPMC) SPMC 83/WP 01 SPMC 85/WP 02 Introducing LRP in Banks : An Indian Experience - V T Godse Study on Housekeeping Operations at Metropolitan Branches of Commercial Banks - V T Godse Telecommunications Facilities for Banking Industry - P G Damle & R Bandyopadhyay Use of Marketing in Development Schemes in Banks - B V Godbole Mass Banking : Management Problems - R Bandyopadhyay Profile of RRB Chairmen : Exploratory Study - S S Kshirsagar & N B Shete Restructuring of the Banking System in India : Issues and Perspectives - T S Ravisankar Survey of Customers Attitudes to Banking System - V N Patankar & V T Godse Time Management by Branch Managers : A Pilot Survey - V T Godse Regionalisation in Banks Revisited - S S Kshirsagar Conceptual Model of Work Flow of a Typical Bank Branch - K Swarup Emerging Challenges and Bank Trainers Role - R Bandyopadhyay

SPMC 85/WP 03 SPMC 85/WP 04 SPMC 85/WP 05 SPMC 85/WP 06 SPMC 85/WP 07 SPMC 85/WP 08 SPMC 85/WP 09 SPMC 87/WP 10 SPMC 88/WP 11 A SPMC 88/WP 12

SPMC 88/WP 13 SPMC 88/WP 14 SPMC 88/WP 15 ORSPMC 88/WP 16 SPMC 91-92/WP 17 SPMC 200001/WP 18

Indian Commercial Banks : Retrospect and Prospect - R Bandyopadhyay Applications in Agriculture Credit in Developing Economics - R Bandyopadhyay Size, Variety and Control : Triad of Management Problems in Indian Commercial Banks - R Bandyopadhyay Challenges in Integrating Technology and People : A Systems Approach - R Bandyopadhyay Organizational Change as a Concept and its Evolution in the Public Sector Anuradha Rangan Design issues at Corporate Office for Risk Management - Anuradha R

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