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Volume : V, Issue : VII, August - 2015

A STUDY ON EFFECT AND IMPACT OF BANK RATE VOLATILITY IN FINANCIAL MARKET IN INDIA

M. Shanthana Lakshmi, None

By : Laxmi Book Publication

Abstract :

Bank rate adjustments made by RBI with the aim of reducing the rupee volatility during 2013-14 increased the gap between the relative values of assets and liabilities ALM in banks This research explores the impact of bank rate volatility in ALM. Based on the RBI data collected for the period 2012-14, we measured the impact of bank rate on ALM by applying variance analysis and estimated the relationship with Granular model. We found that bank rate influence the volume of liquidity flows but not the value of cash flows. Hence to reduce ALM gap the costs of cash outflows could be managed in accordance to bank rate. In other way, the ALM gap can be narrow down by balancing long-term deposits and loans during the bank rate revision period.

Keywords :


    Article :


    Cite This Article :

    M. Shanthana Lakshmi, None(2015). A STUDY ON EFFECT AND IMPACT OF BANK RATE VOLATILITY IN FINANCIAL MARKET IN INDIA. Indian Streams Research Journal, Vol. V, Issue. VII, http://isrj.org/UploadedData/7050.pdf

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    31. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
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    34. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    35. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
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    37. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    38. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    39. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    40. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    41. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    42. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    43. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    44. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    45. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    46. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    47. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
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    49. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    50. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    51. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    52. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    53. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    54. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    55. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    56. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    57. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    58. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    59. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    60. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    61. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    62. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    63. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    64. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    65. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    66. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    67. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    68. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    69. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    70. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    71. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    72. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    73. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    74. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    75. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    76. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    77. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    78. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    79. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    80. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    81. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    82. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    83. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    84. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    85. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    86. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    87. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    88. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    89. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    90. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    91. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    92. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    93. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    94. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    95. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    96. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    97. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    98. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    99. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    100. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    101. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    102. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    103. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    104. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    105. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    106. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    107. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    108. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    109. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    110. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    111. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    112. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    113. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    114. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    115. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    116. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    117. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    118. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    119. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    120. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    121. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    122. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    123. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    124. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    125. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    126. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    127. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    128. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    129. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    130. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    131. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    132. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    133. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    134. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    135. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    136. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    137. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    138. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    139. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    140. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    141. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    142. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    143. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    144. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    145. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    146. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    147. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    148. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    149. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    150. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    151. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    152. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
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    171. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    172. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    173. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    174. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    175. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    176. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    177. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
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    179. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    180. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    181. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
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    183. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    184. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    185. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    186. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    187. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    188. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    189. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    190. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    191. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    192. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    193. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    194. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    195. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    196. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    197. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    198. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    199. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    200. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    201. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    202. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).
    203. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    204. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    205. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    206. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    207. Sunil Kumar, R. G. (2014). Banking System in India: Developments, Structural Changes and Institutional Framework. In Deregulation and Efficiency of Indian Banks India Studies in Business and Economics , (pp. pp 11-47).
    208. [5]M.M.G. Fasea, b. (January 1995). The demand for commercial bank loans and the lending rate. In European Economic Review (pp. Volume 39, Issue 1, Pages 99–115).
    209. [7].Singh, A. B., & Tandon, P. ( 2012). Asset - Liabilty management in Indian banking industry. Asia Pacific Journal of Marketing & Management Review, 122-132.
    210. Anthony Saunders, Liliana Schumacher. (December 2000). The determinants of bank interest rate margins: an international study. Journal of International Money and Finance, Volume 19, Issue 6, Pages 813–832.
    211. James, M. .. (1984). The Effect of Interest Rate Changes on the Common Stock Returns of Financial Institutions. The Journal of Finance, 1141–1153.
    212. Detragiache, Asli Demirgüç-Kunt and Enrica. (2005). Cross-Country Empirical Studies of Systemic Bank Distress: A Survey. In Journal of the National Institute of Economic and social research.
    213. ordi Jaumandreua, Joaquı́n Lorencesb. (January 2002). Modelling price competition across many markets (An application to the Spanish loans market). In European Economic Review (pp. Volume 46, Issue 1, Pages 93–115).
    214. Nier, Erlend W. (April 2005). Regulation and Financial Stability. In Journal of Financial Stability (pp. Volume 1, Issue 3, Pages 342–354).
    215. Sumon Kumar Bhaumika, V. D. (September 2011). Implications of bank ownership for the credit channel of monetary policy transmission: Evidence from India. Journal of Banking & Finance, Volume 35, Issue 9, Pages 2418–2428.
    216. Vicente Salasa, Jesús Saurinab. (December 2003). Deregulation, market power and risk behaviour in Spanish banks. In European Economic Review (pp. Volume 47, Issue 6, Pages 1061–1075).

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