KISHORE MEGHANI | Sam Higginbottom Institute of Agriculture, Technology & Sciences - Deemed University (original) (raw)

Finance & Banking by KISHORE MEGHANI

Indian Journal of Applied Research : Volume-10 , Issue-8 , August-2020, Aug 1, 2020

Artificial Intelligence (AI) is rapidly transforming the global financial services industry . Art... more Artificial Intelligence (AI) is rapidly transforming the global financial services industry . Artificial Intelligence studying the thought processes of human beings and it deals with representing those processes via machines (like computers, robots, etc.). on the other side The Block-chain Technology is a technology in which digital information is stored in a public shared data-base. This technology got famous mainly after introducing the first cryptocurrency which is the Bitcoin. The study was conducted to know the importance of using Artificial Intelligence and Block Chain especially in the Banks to reduce the dependency on the human element also to understand what can be the possible implications of the use of artificial intelligence and Block Chain.

Saudi Journal of Business and Management Studies ISSN 2415-6663 (Print) |ISSN 2415-6671 (Online) Scholars Middle East Publishers, Dubai, United Arab Emirates, Jul 8, 2020

The term volatility is simply synonymous with risk: in their view high volatility is to be deplor... more The term volatility is simply synonymous with risk: in their view high volatility is to be deplored, because it means that security values are not dependable and the capital markets are not functioning as well as they should [22]. It measures how for the current price of an asset deviates from its average past values. The coefficients also suggest spillovers from the returns to the sentiments across markets. The coefficients indicate that high absolute sentiment scores in the stock market are expected to have an increasing influence on the commodity returns and a decreasing influence on the stock returns of the following day.

International Journal Of Core Engineering & Management, Volume-6, Issue-7, 2020 , 2020

Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries t... more Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries to develop long term relationship with the customers to develop them as life time customers.This research check the impact of customer relationship management activities on bank’s customer retention in The Nainital Bank Ltd.,Vikasnagar. For the purpose of study, a sampling analysis was conducted among (400) customers selected with the help of a structured questionnaire.(370) questionnaires were usable.Statistical answers give support on the high positive relationship between customer relationship management (CRM) and customer satisfaction.Thus, this paper aims to identify the reasons for the customers to prefer The Nainital Bank Ltd. at Vikasnagar. Further, this paper focuses the service provided by the staff in the bank.This paper is an attempt to find out CRM role in The Nainital bank Ltd. Few recommendations were suggested from this study were to create an awareness of loan facility, internet banking and locker service.

Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because
it is intangible. We have chosen the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

International Journal of Business Quantitative Economics and Applied Management Research, Volume 1, Issue 2, July, 2014

The objective of this study is to Analyze the Financial Position and Performance of the Axis and ... more The objective of this study is to Analyze the Financial Position and Performance of the Axis and Kotak Mahindra Bank in India based on their financial characteristics. We have chosen the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity. The present study is conducted analyze the consistency of the profitability of the Axis and Kotak Mahindra bank's. It is analyses that the ratio of credit deposit is maximum of Kotak Mahindra Bank Ltd and it shows efficient management of the bank. The ratio of earning per share is maximum for Axis Bank Ltd i.e. 50.28 and the ratio of return on Assets is minimum for Axis Bank Ltd. The CAMELS' analysis and t-test concludes that there is no significance difference between the Axis and Kotak Mahindra bank's financial performance but the Kotak Mahindra bank performance is slightly less compared with Axis Bank.

Papers by KISHORE MEGHANI

Saudi journal of business and management studies, Apr 4, 2024

RePEc: Research Papers in Economics, Mar 5, 2015

Oman Chapter of Arabian Journal of Business and Management Review, Mar 1, 2015

Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. We have chosen the CAMEL model and ttest which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

The purpose of this paper is to identify the determinants of bank profitability of Public Sector ... more The purpose of this paper is to identify the determinants of bank profitability of Public Sector Banks and Private Sector Banks in India .Using panel data spanning the period 2014 to 2019, this study estimates several specifications to examine the impact of bank-level and country-level variables on profitability, also there are some factors which make unique significant impact on profitability of Public Sector Banks but not Private Sector Banks and vice versa. ROA was the profitability measure which served as the dependent variable. The independent variables were made up of bank specific and macroeconomic variables. In Banking, there are some variables i.e.-credit risk, liquidity, net interest margin, capital adequacy ratio, and bank size. The macroeconomic variables were Annual GDP growth rate and CPI-Inflation rate. The results indicated that there are some important factors i.e. credit risk, net interest margin, capital adequacy and inflation that significantly affect profitability of banks. Also prudent credit risk management practices must be adhered to by managers of banks and as the size of bank increases, internal control measures must be strengthened by managers of banks in order to minimize excessive cost of operation. Our results suggest that researchers should probably focus more on profit efficiency than cost efficiency. Almost all banks are below the optimal size.

Social Science Research Network, Mar 12, 2015

Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. We have chosen the CAMEL model and ttest which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of th... more Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of the death. The purpose of this study is to explore Why Anxiety, Depression, Stress and after that Commit Suicide in India. Now-a-days suicidal gesture, attempted suicide & well successful suicide cases are seen in the society often on. This study attempts to provide a theoretical work/information regarding Why Anxiety, Depression, Stress and after that Commit Suicide? and why people try to end their lives? Mental health issues affect many people across the country. While there’s a 25 times greater risk of suicide, even during the recovery process, the American Association of Suicidology reports that treatment for depression is effective 60 to80 percent of time. These types of challenges are not new and have been around for a long time.

SSRN Electronic Journal, 2014

Social Science Research Network, Feb 10, 2020

Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries t... more Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries to develop long term relationship with the customers to develop them as life time customers. This research check the impact of customer relationship management activities on bank's customer retention in The Nainital Bank Ltd.,Vikasnagar. For the purpose of study, a sampling analysis was conducted among (400) customers selected with the help of a structured questionnaire. (370) questionnaires were usable. Statistical answers give support on the high positive relationship between customer relationship management (CRM) and customer satisfaction. Thus, this paper aims to identify the reasons for the customers to prefer The Nainital Bank Ltd. at Vikasnagar. Further, this paper focuses the service provided by the staff in the bank. This paper is an attempt to find out CRM role in The Nainital bank Ltd. Few recommendations were suggested from this study were to create an awareness of loan facility, internet banking and locker service.

Saudi Journal of Business and Management Studies

The term volatility is simply synonymous with risk: in their view high volatility is to be deplor... more The term volatility is simply synonymous with risk: in their view high volatility is to be deplored, because it means that security values are not dependable and the capital markets are not functioning as well as they should [22]. It measures how for the current price of an asset deviates from its average past values. The coefficients also suggest spillovers from the returns to the sentiments across markets. The coefficients indicate that high absolute sentiment scores in the stock market are expected to have an increasing influence on the commodity returns and a decreasing influence on the stock returns of the following day.

IEEE Access, 2019

Indoor tracking and navigation (ITN) mainly depend on indoor localization. An impulse radio ultra... more Indoor tracking and navigation (ITN) mainly depend on indoor localization. An impulse radio ultra-wideband (IR-UWB) is the most advanced technology for precision indoor localization. Besides its precision, IR-UWB also has low complex hardware, low power consumption, and a flexible data rate that makes it the ideal candidate for ITN. However, two significant challenges impede the achievement of highresolution accuracy and optimum performance: non-line-of-sight (NLOS) channel condition and multipath propagation. To enhance the performance under these conditions, the ranging error is estimated and corrected using parameters' uncertainties. The uncertainties in the channel's parameters have a relationship with the error, and these uncertainties are induced due to NLOS and MPP propagation conditions. The parameters are collected in real-time experimental setups in two different environments. A proposed fuzzy inference model utilizes these uncertainties and the relationship to estimate ranging errors. The model is evaluated, and its performance is gauged in terms of residual ranging error cumulative distribution, root mean square error and outage probability parameters using experimental measurements and compared with the state-of-the-art work. Moreover, the proposed fuzzy model is evaluated for computational complexity in terms of execution time and compared with the state-of-the-art work. The time is estimated on the targeted embedded system. The experimental and simulated results show that the proposed model effectively minimizes the ranging errors and computational burden. Also, the model does not induce a delay in estimating ranging error due to the non-statistical based solution.

CompSciRN: Human-Robotic Interaction (Topic), 2020

Artificial Intelligence (AI) is rapidly transforming the global financial services industry. Arti... more Artificial Intelligence (AI) is rapidly transforming the global financial services industry. Artificial Intelligence studying the thought processes of human beings and it deals with representing those processes via machines (like computers, robots, etc.) On the other side the Block-chain Technology is a technology in which digital information is stored in a public shared data-base. This technology got famous mainly after introducing the first cryptocurrency which is the Bitcoin. The study was conducted to know the importance of using Artificial Intelligence and Block Chain especially in the Banks to reduce the dependency on the human element also to understand what can be the possible implications of the use of artificial intelligence and Block Chain.

Saudi Journal of Business and Management Studies

The Prime objective of the study was to find out the certain financial and operating issues preva... more The Prime objective of the study was to find out the certain financial and operating issues prevailing in the Public sector banks in India. Issues which are identified in the research study includes:(i) Rise in cyber-attacks,(ii) Money Laundering cases,(iii) Non-Performing Assets of public sector banks,(iv) Inability to implement Basel III due to weak capital position, and (v) Challenges in Financial Inclusion along with low profitability of public sector banks about their massive asset base. The research paper also measures the volatility, systematic risk and unsystematic risk associated with 12 banks that are constituents of the S&P NSE banking index (BANKEX) (Nifty Bank INDEXNSE: BANKNIFTY) based on their daily returns. The Research study is to identify financial and operating risks prevalent in the Public Sector Bank. Parameters such as volatility and total risk change with respect to time, vary with bank, and thus need to be measured to enable better investing decisions. The study measures these parameters for stocks included in the S&P NSE's banking index (BANKEX) (Nifty Bank INDEXNSE: BANKNIFTY). For volatility, the paper calculates the beta value of stocks with reference to the market index (S&P NSE Nifty). While calculating the value of beta acts as an input for further measuring value of systematic as well as unsystematic risk.

Evaluation of bank performance is important for all parties: depositors, bank managers, and regul... more Evaluation of bank performance is important for all parties: depositors, bank managers, and regulators. The aim of this paper is to rank some of the commercial banks in Bangladesh on the basis of their financial characteristics revealed by different financial ratios. The study also tries to investigate the impact of operational efficiency and asset utilization on the financial performance of these banks. A total of ten commercial banks are financially analyzed. The study finds that the bank with higher total assets, deposits and credits does not always ensure better profitability performance and operational efficiency and asset utilization but all these have significant influence on financial performance of the commercial banks.

Evaluation of bank performance is important for all parties: depositors, bank managers, and regul... more Evaluation of bank performance is important for all parties: depositors, bank managers, and regulators. The aim of this paper is to rank some of the commercial banks in Bangladesh on the basis of their financial characteristics revealed by different financial ratios. The study also tries to investigate the impact of operational efficiency and asset utilization on the financial performance of these banks. A total of ten commercial banks are financially analyzed. The study finds that the bank with higher total assets, deposits and credits does not always ensure better profitability performance and operational efficiency and asset utilization but all these have significant influence on financial performance of the commercial banks.

The International Journal of Indian Psychology, Aug 23, 2020

Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of th... more Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of the death. The purpose of this study is to explore Why Anxiety, Depression, Stress and after that Commit Suicide in India. Now-a-days suicidal gesture, attempted suicide & well successful suicide cases are seen in the society often on. This study attempts to provide a theoretical work/information regarding Why Anxiety, Depression, Stress and after that Commit Suicide? and why people try to end their lives? Mental health issues affect many people across the country. While there's a 25 times greater risk of suicide, even during the recovery process, the American Association of Suicidology reports that treatment for depression is effective 60 to80 percent of time. These types of challenges are not new and have been around for a long time.

Indian Journal of Applied Research : Volume-10 , Issue-8 , August-2020, Aug 1, 2020

Artificial Intelligence (AI) is rapidly transforming the global financial services industry . Art... more Artificial Intelligence (AI) is rapidly transforming the global financial services industry . Artificial Intelligence studying the thought processes of human beings and it deals with representing those processes via machines (like computers, robots, etc.). on the other side The Block-chain Technology is a technology in which digital information is stored in a public shared data-base. This technology got famous mainly after introducing the first cryptocurrency which is the Bitcoin. The study was conducted to know the importance of using Artificial Intelligence and Block Chain especially in the Banks to reduce the dependency on the human element also to understand what can be the possible implications of the use of artificial intelligence and Block Chain.

Saudi Journal of Business and Management Studies ISSN 2415-6663 (Print) |ISSN 2415-6671 (Online) Scholars Middle East Publishers, Dubai, United Arab Emirates, Jul 8, 2020

The term volatility is simply synonymous with risk: in their view high volatility is to be deplor... more The term volatility is simply synonymous with risk: in their view high volatility is to be deplored, because it means that security values are not dependable and the capital markets are not functioning as well as they should [22]. It measures how for the current price of an asset deviates from its average past values. The coefficients also suggest spillovers from the returns to the sentiments across markets. The coefficients indicate that high absolute sentiment scores in the stock market are expected to have an increasing influence on the commodity returns and a decreasing influence on the stock returns of the following day.

International Journal Of Core Engineering & Management, Volume-6, Issue-7, 2020 , 2020

Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries t... more Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries to develop long term relationship with the customers to develop them as life time customers.This research check the impact of customer relationship management activities on bank’s customer retention in The Nainital Bank Ltd.,Vikasnagar. For the purpose of study, a sampling analysis was conducted among (400) customers selected with the help of a structured questionnaire.(370) questionnaires were usable.Statistical answers give support on the high positive relationship between customer relationship management (CRM) and customer satisfaction.Thus, this paper aims to identify the reasons for the customers to prefer The Nainital Bank Ltd. at Vikasnagar. Further, this paper focuses the service provided by the staff in the bank.This paper is an attempt to find out CRM role in The Nainital bank Ltd. Few recommendations were suggested from this study were to create an awareness of loan facility, internet banking and locker service.

Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because
it is intangible. We have chosen the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

International Journal of Business Quantitative Economics and Applied Management Research, Volume 1, Issue 2, July, 2014

The objective of this study is to Analyze the Financial Position and Performance of the Axis and ... more The objective of this study is to Analyze the Financial Position and Performance of the Axis and Kotak Mahindra Bank in India based on their financial characteristics. We have chosen the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity. The present study is conducted analyze the consistency of the profitability of the Axis and Kotak Mahindra bank's. It is analyses that the ratio of credit deposit is maximum of Kotak Mahindra Bank Ltd and it shows efficient management of the bank. The ratio of earning per share is maximum for Axis Bank Ltd i.e. 50.28 and the ratio of return on Assets is minimum for Axis Bank Ltd. The CAMELS' analysis and t-test concludes that there is no significance difference between the Axis and Kotak Mahindra bank's financial performance but the Kotak Mahindra bank performance is slightly less compared with Axis Bank.

Saudi journal of business and management studies, Apr 4, 2024

RePEc: Research Papers in Economics, Mar 5, 2015

Oman Chapter of Arabian Journal of Business and Management Review, Mar 1, 2015

Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. We have chosen the CAMEL model and ttest which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

The purpose of this paper is to identify the determinants of bank profitability of Public Sector ... more The purpose of this paper is to identify the determinants of bank profitability of Public Sector Banks and Private Sector Banks in India .Using panel data spanning the period 2014 to 2019, this study estimates several specifications to examine the impact of bank-level and country-level variables on profitability, also there are some factors which make unique significant impact on profitability of Public Sector Banks but not Private Sector Banks and vice versa. ROA was the profitability measure which served as the dependent variable. The independent variables were made up of bank specific and macroeconomic variables. In Banking, there are some variables i.e.-credit risk, liquidity, net interest margin, capital adequacy ratio, and bank size. The macroeconomic variables were Annual GDP growth rate and CPI-Inflation rate. The results indicated that there are some important factors i.e. credit risk, net interest margin, capital adequacy and inflation that significantly affect profitability of banks. Also prudent credit risk management practices must be adhered to by managers of banks and as the size of bank increases, internal control measures must be strengthened by managers of banks in order to minimize excessive cost of operation. Our results suggest that researchers should probably focus more on profit efficiency than cost efficiency. Almost all banks are below the optimal size.

Social Science Research Network, Mar 12, 2015

Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming mo... more Banking sector is one of the fastest growing sectors in India. Today's banking sector becoming more complex. The objective of this study is to analyze the Financial Position and Performance of the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This study attempts to measure the relative performance of Indian banks. For this study, we have used public sector banks. We know that in the service sector, it is difficult to quantify the output because it is intangible. We have chosen the CAMEL model and ttest which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity.

Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of th... more Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of the death. The purpose of this study is to explore Why Anxiety, Depression, Stress and after that Commit Suicide in India. Now-a-days suicidal gesture, attempted suicide & well successful suicide cases are seen in the society often on. This study attempts to provide a theoretical work/information regarding Why Anxiety, Depression, Stress and after that Commit Suicide? and why people try to end their lives? Mental health issues affect many people across the country. While there’s a 25 times greater risk of suicide, even during the recovery process, the American Association of Suicidology reports that treatment for depression is effective 60 to80 percent of time. These types of challenges are not new and have been around for a long time.

SSRN Electronic Journal, 2014

Social Science Research Network, Feb 10, 2020

Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries t... more Customer Relationship Management (CRM) is a new technique in marketing where the marketer tries to develop long term relationship with the customers to develop them as life time customers. This research check the impact of customer relationship management activities on bank's customer retention in The Nainital Bank Ltd.,Vikasnagar. For the purpose of study, a sampling analysis was conducted among (400) customers selected with the help of a structured questionnaire. (370) questionnaires were usable. Statistical answers give support on the high positive relationship between customer relationship management (CRM) and customer satisfaction. Thus, this paper aims to identify the reasons for the customers to prefer The Nainital Bank Ltd. at Vikasnagar. Further, this paper focuses the service provided by the staff in the bank. This paper is an attempt to find out CRM role in The Nainital bank Ltd. Few recommendations were suggested from this study were to create an awareness of loan facility, internet banking and locker service.

Saudi Journal of Business and Management Studies

The term volatility is simply synonymous with risk: in their view high volatility is to be deplor... more The term volatility is simply synonymous with risk: in their view high volatility is to be deplored, because it means that security values are not dependable and the capital markets are not functioning as well as they should [22]. It measures how for the current price of an asset deviates from its average past values. The coefficients also suggest spillovers from the returns to the sentiments across markets. The coefficients indicate that high absolute sentiment scores in the stock market are expected to have an increasing influence on the commodity returns and a decreasing influence on the stock returns of the following day.

IEEE Access, 2019

Indoor tracking and navigation (ITN) mainly depend on indoor localization. An impulse radio ultra... more Indoor tracking and navigation (ITN) mainly depend on indoor localization. An impulse radio ultra-wideband (IR-UWB) is the most advanced technology for precision indoor localization. Besides its precision, IR-UWB also has low complex hardware, low power consumption, and a flexible data rate that makes it the ideal candidate for ITN. However, two significant challenges impede the achievement of highresolution accuracy and optimum performance: non-line-of-sight (NLOS) channel condition and multipath propagation. To enhance the performance under these conditions, the ranging error is estimated and corrected using parameters' uncertainties. The uncertainties in the channel's parameters have a relationship with the error, and these uncertainties are induced due to NLOS and MPP propagation conditions. The parameters are collected in real-time experimental setups in two different environments. A proposed fuzzy inference model utilizes these uncertainties and the relationship to estimate ranging errors. The model is evaluated, and its performance is gauged in terms of residual ranging error cumulative distribution, root mean square error and outage probability parameters using experimental measurements and compared with the state-of-the-art work. Moreover, the proposed fuzzy model is evaluated for computational complexity in terms of execution time and compared with the state-of-the-art work. The time is estimated on the targeted embedded system. The experimental and simulated results show that the proposed model effectively minimizes the ranging errors and computational burden. Also, the model does not induce a delay in estimating ranging error due to the non-statistical based solution.

CompSciRN: Human-Robotic Interaction (Topic), 2020

Artificial Intelligence (AI) is rapidly transforming the global financial services industry. Arti... more Artificial Intelligence (AI) is rapidly transforming the global financial services industry. Artificial Intelligence studying the thought processes of human beings and it deals with representing those processes via machines (like computers, robots, etc.) On the other side the Block-chain Technology is a technology in which digital information is stored in a public shared data-base. This technology got famous mainly after introducing the first cryptocurrency which is the Bitcoin. The study was conducted to know the importance of using Artificial Intelligence and Block Chain especially in the Banks to reduce the dependency on the human element also to understand what can be the possible implications of the use of artificial intelligence and Block Chain.

Saudi Journal of Business and Management Studies

The Prime objective of the study was to find out the certain financial and operating issues preva... more The Prime objective of the study was to find out the certain financial and operating issues prevailing in the Public sector banks in India. Issues which are identified in the research study includes:(i) Rise in cyber-attacks,(ii) Money Laundering cases,(iii) Non-Performing Assets of public sector banks,(iv) Inability to implement Basel III due to weak capital position, and (v) Challenges in Financial Inclusion along with low profitability of public sector banks about their massive asset base. The research paper also measures the volatility, systematic risk and unsystematic risk associated with 12 banks that are constituents of the S&P NSE banking index (BANKEX) (Nifty Bank INDEXNSE: BANKNIFTY) based on their daily returns. The Research study is to identify financial and operating risks prevalent in the Public Sector Bank. Parameters such as volatility and total risk change with respect to time, vary with bank, and thus need to be measured to enable better investing decisions. The study measures these parameters for stocks included in the S&P NSE's banking index (BANKEX) (Nifty Bank INDEXNSE: BANKNIFTY). For volatility, the paper calculates the beta value of stocks with reference to the market index (S&P NSE Nifty). While calculating the value of beta acts as an input for further measuring value of systematic as well as unsystematic risk.

Evaluation of bank performance is important for all parties: depositors, bank managers, and regul... more Evaluation of bank performance is important for all parties: depositors, bank managers, and regulators. The aim of this paper is to rank some of the commercial banks in Bangladesh on the basis of their financial characteristics revealed by different financial ratios. The study also tries to investigate the impact of operational efficiency and asset utilization on the financial performance of these banks. A total of ten commercial banks are financially analyzed. The study finds that the bank with higher total assets, deposits and credits does not always ensure better profitability performance and operational efficiency and asset utilization but all these have significant influence on financial performance of the commercial banks.

Evaluation of bank performance is important for all parties: depositors, bank managers, and regul... more Evaluation of bank performance is important for all parties: depositors, bank managers, and regulators. The aim of this paper is to rank some of the commercial banks in Bangladesh on the basis of their financial characteristics revealed by different financial ratios. The study also tries to investigate the impact of operational efficiency and asset utilization on the financial performance of these banks. A total of ten commercial banks are financially analyzed. The study finds that the bank with higher total assets, deposits and credits does not always ensure better profitability performance and operational efficiency and asset utilization but all these have significant influence on financial performance of the commercial banks.

The International Journal of Indian Psychology, Aug 23, 2020

Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of th... more Now-a-days Anxiety, Depression, Stress and Suicide has become one of the most common causes of the death. The purpose of this study is to explore Why Anxiety, Depression, Stress and after that Commit Suicide in India. Now-a-days suicidal gesture, attempted suicide & well successful suicide cases are seen in the society often on. This study attempts to provide a theoretical work/information regarding Why Anxiety, Depression, Stress and after that Commit Suicide? and why people try to end their lives? Mental health issues affect many people across the country. While there's a 25 times greater risk of suicide, even during the recovery process, the American Association of Suicidology reports that treatment for depression is effective 60 to80 percent of time. These types of challenges are not new and have been around for a long time.