Ravichandran Krishnamurthy

New York Institute of Technology | NYIT · School of Management

The slowdown in the economy and the resultant rise in bad loans have led to criticism of public sector banks and questioning of their raison d'être. While there is a rush to find a quick solution by merging PSBs, it would be wise to examine the ground realities closely. India needs a mix of efficiently run PSBs and aggressive private banks to achie...

In this research study, we propose an alternative empirical technique for the performance of UAE top 5 banks (initially) in comparison with global banks. The comparative ratio analysis has been performed and the UAE based banks are ranked as per their performance. The findings of this appraoch are important in the context recent banking and financi...

Tamil Nadu is endowed with a network of 4530 Primary Agricultural Cooperative Societies (PACSs). The implementation of Task Force Recommendations 2004 contributed significantly for revival of the functioning of the PACSs in the State. Majority of the PACSs could reduce and/or wipe out entire loss and increase their loan operations. However, the pos...

The purpose of this paper is to empirically measure the service quality level using the new industry specific scale called HEdPERF (Higher education performance-Measurement Scale) among engineering colleges/Institutions which are offering professional courses in Tiruchirappalli, Tamilnadu, India. In this study, Purposive Non-Probability sampling te...

This paper analyses the efficiency and performance using CRAMEL–type variables on selected commercial banks in Saudi Arabia. The results predominantly shows that all the Saudi Arabian banks were performing well and the only area all the banks has to concentrate was Asset Quality. Concentration over public deposits was very low when compared to the...

Investigating the influence of SERVQUAL variables on multidimensional model of customers’ behavioral intentions should help to measure, control and improve customer perception of service quality by public banks. Hence, this relational impact should be a central concern for public retail bank managers as well as for service management academics and...

The Black Scholes model of option pricing constitutes the cornerstone of contemporary valuation theory. However, the model presupposes the existence of several unrealistic assumptions including the lognormal distribution of stock market price processes. In the past decade or so, physicists have begun to do academic research in economics. Perhaps pe...

Financial liberalization has led to intense competitive pressures and private banks dealing in retail banking are consequently directing their strategies towards increasing service quality level which fosters customer satisfaction and loyalty through improved service quality. This article examines the influence of perceived service quality on custo...

Financial liberalization has led to intense competitive pressures and private banks dealing in retail banking are consequently directing their strategies towards increasing service quality level which fosters customer satisfaction and loyalty through improved service quality. This article examines the influence of perceived service quality on custo...

This paper analyses the efficiency and performance using CRAMEL–type variables, before and after the merger for the selected public and private banks which are initiated by the market forces. The results suggest that the mergers did not seem to enhance the productive efficiency of the banks as they do not indicate any significant difference. The fi...

This paper investigates the impact of oil Prices on Gulf Cooperation Council (GCC) stock markets'. Since GCC countries are major suppliers of oil, their stock markets are likely to be susceptible to change in oil prices. The results confirm that there is an influence of oil price change on GCC stock markets returns in the long-term. Long term is de...

This paper analyses the efficiency and performance of post merger using CRAMEL–type variable of selected banks in India & Saudi Arabia which are initiated by the market forces. The results suggest that the mergers did not seem to enhance the productive efficiency of the banks as they do not indicate any significant difference. The financial perform...

The management of business has the task of conducting business performance analysis. The modern corporate business looks for not only financial performance also technical performance analysis. The present study is to fulfill the modern corporate business performance ambition by conducting the study of financial and technical performance of the comp...

Even as far as 30 years ago a UN expert committee had stated that the way to decongest urban concentration was by reverse migration of people from urban to rural centers; that could be possible only through long term planning and infrastructure development which will drive the population towards the less congested rural areas, where land and cost o...

The Global financial crisis has leaded the world into downsizing of its various activities and the worst part of it was retrenchment of employees. Statistics says that about 30 Million people will loose their jobs in this year. So retrenchment has become a part of our life, so we should be ready to cope up with this and try to overcome it. This pap...

In times of economic adversity, organizations have multiple courses of action to consider. This paper synthesizes the existing literature from two perspectives - cost cutting and investment for growth. Conditions to consider for each choice are explained, overall recommendations for moving forward are provided, and potential research areas are iden...

Branding today has evolved to far more of a complex system than it ever used to be. There has been a key shift from the brand being a corporate identifier to becoming a personal identifier in today's market. Now a day, customer mind is flooded with the brands. When the brands delight the customers, they build the brands. In case of dissatisfaction,...

Sundaram Clyaton limited (SCL) is a member of the Rs. 6400 crore TVS group companies, the largest automotive, component manufacturing and distributing group in India. SCL was established n 1962 in collaboration with clayton Dewandre Holding (WABCO Automotive / American standard inc), pioneering the manufacture of air brake system in India. The mark...

The merger and acquisition (M&A) activities have grown significantly around the world over the last two decades, the amount and volume of mergers and acquisitions is reaching a record braking levels. Major factors underlying this process are attributed to emergence of globalization, low cost funding and current financial turmoil, hence the need to...

Though our country's economy is growing around 9 percent, still the growth is not inclusive with the economic condition of the people in rural areas worsening further. One of the typical reasons for poverty is being financially excluded. Though there are few people who are enjoying all kinds of services from savings to net banking, but still in our...