Explore publications.

This paper aims to analyse the effects of financial statement indicators and off-balance sheet items affecting risk measures among Indian banks employing both panel data regression and a non-parametric decision tree approach. We explore the effects of bank size, leverage, exposure to contingent liabilities including off-balance sheet derivatives usage and macroeconomic factors on risk measures for banks. In this paper, it is also aimed to examine the effects of the major financial liberalization policy period in the domestic market in India that started in the mid-1990s and ended around 2004 as well as impacts of the 2008 global financial crisis on the risk measures of banks operating in India.  As risk measures, we present a comparative analysis of liquidity, solvency, and interest rate risk measures of Indian banks across public (government) and private ownership categories. Main findings from our study demonstrate (i) significant impact of capital adequacy and the bank size on all the risk measures, (ii) contingent liabilities (including derivatives usage) at banks is observed to significantly impact the asset management measure of liquidity risk and the solvency risk of banks, (iii) GDP growth is observed to impact the asset management and liability management measure of liquidity risk, (iv) the global financial crisis is found to have a significant impact on the liquidity risk measures and interest rate risk, but a weak effect on solvency risk of Indian banks, (v) bank ownership category (government owned versus private sector banks) is observed to have a significant impact on all the risk measures, and finally (vi) financial liberalization reforms had a highly significant effect on the liquidity risk at banks.

Human capital is a significant element in the attainment of sustained competitive advantage and economic survival of organizations. The study explored whether human capital mediates the nexus of human resource management practices and organizational performance. A field study was conducted among 11 internationally and 4 indigenously owned banks. The hypothesized relationships were supported by the data. The results show that the association between selective staffing with the levels of human capital was significant. The results also show that the levels of human capital influenced organizational performance significantly. The results further show that human capital mediated the nexus of HRM practices and organizational performance. The generalizability of the results obtained may be constrained since the present study focused on the banking industry. The study suggests the creation and maintenance of valuable human capital promote competitiveness and sustained competitive advantage. The study contributes to the extant literature by empirically evidencing that human capital mediated the nexus of HRM practice and organizational performance.  

Customer satisfaction is an indicator of an organization's overall health and future prospects.  The study evaluated the impact of customer satisfaction attributes on hospitality services. Data were collected from 680 guests of one to three star rated hotels in the Greater Accra Region. The hypothesized relationships were supported by the data. The results show an insignificant relationship between accessibility and hospitability services. Reliability had an insignificant relationship with hospitability services. The results also show that competence had a significant relationship with hospitability services. The results further show that friendliness had an insignificant relationship with hospitality services. The generalizability of the results obtained may be constrained since the present study focused on the hotel industry with its unique characteristics. The study suggests the enhancement of customer satisfaction to establish customer loyalty, improve brand reputation and competitive advantage. The study adds to the extant literature by empirically evidencing that customer satisfaction attributes significantly impact hospitality services.

This paper aims to examine the association between Indian stock market return and seasonally adjusted trade for Indian Banking sector shares. The objective of the study is to measure the association between stock return and seasonally adjusted trade in the Indian stock market and recommend strategies. Due to the Covid 19 outbreak banking sector was highly affected, the Government of India also announced a moratorium on all categories of loans, banking business majorly depending on the deposit and loan creation, so the Government decision threaten the banking sector. Many private sector banks terminated temporary staff because of cut cost policies.  We divided the banking sector into three segments. Namely, Public, Private and Small Finance Banks. Utilizing daily data from February 2020 to July 2020, consisting of 2196 in numbers, we ran a panel Vector Autoregression model to analyze the association. It was found that the return of stocks is influencing the volume of trade during this period. Also, while measuring the short-run causality, it is found that the return of banking stocks specifically granger causes the volume of trade. The suggestions of the study lie in providing importance to framing policies on improving the financial health of the economy through different fiscal policies. Strategic policies are required to face post-Covid situations. The turnaround strategies to combat the effects of the pandemic are characterized by the availability of the sustainable resources of the particular sector in consideration.