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Ghosh, Krishnendu
- Blockchain Technology: A Catalyst for Change in Finance
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1 Faculty Member - Finance, ICFAI Business School, Kolkata, West Bengal, IN
1 Faculty Member - Finance, ICFAI Business School, Kolkata, West Bengal, IN
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Drishtikon: A Management Journal, Vol 12, No 1 (2021), Pagination: 1-22Abstract
Blockchain is one of the most disruptive innovations in the field of technology in 21st century. Blockchain, a distributed ledger technology (DLT) and smart contracts, has emerged as a ground-breaking application in the financial sector. The three key properties of Blockchain technology, Decentralization, Transparency and Immutability have created a huge impact on the banking and finance industries. As technology is the main driving force in Blockchain and its various applications, it will also act as an enabler to sustainable finance which will ultimately lead towards achieving sustainable economy and also sustainable development. This study is an attempt to understand the far-reaching potential of Blockchain technology and its applications such as Bitcoin in the banking and financial services sector. This study has also highlighted the benefits and disadvantages of using Blockchain technology on the banking and finance industries. This study is entirely a theoretical overview based on the available research in the area of Blockchain technology and its application in financial sector. This study will help to understand the future of financial sector in the advent of incorporation of Blockchain technology.Keywords
Blockchain, Distributed Ledger Technology (DLT), Financial Sector, Blockchain Technology, Sustainable Finance, Sustainable Economy, Sustainable Development, Bitcoin
JEL Classification: E42, E58, G12, G18, G21, G22, G23, G28, G32, G38, K22, K24, L50, M48
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- Credit Risk Management and Financial Performance of Indian Commercial Banks: A Study
Abstract Views :215 |
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Authors
Affiliations
1 Research Scholar, Department of Commerce, Sidho-Kanho-Birsha University, West Bengal, IN
2 Associate Professor, Department of Commerce, Sidho-Kanho-Birsha University, West Bengal, IN
1 Research Scholar, Department of Commerce, Sidho-Kanho-Birsha University, West Bengal, IN
2 Associate Professor, Department of Commerce, Sidho-Kanho-Birsha University, West Bengal, IN
Source
International Journal of Financial Management, Vol 12, No 2 (2022), Pagination: 26-37Abstract
Credit risk is a major risk to commercial banks and financial institutions. Credit risk of financial institutions is inherent with the nature of the business, and should be managed well for their survival. The present study examines the role of credit risk management and its impact on the financial performance of commercial banks in India. For the study, secondary financial data are collected from published annual reports of 20 commercial banks, consisting of 12 public sector commercial banks and eight private sector commercial banks, covering six years, from 2013-14 to 2018-19. Risk of commercial banks is measured through non-performing loan ratio, capital adequacy ratio, loan loss provision ratio, cost per loan ratio, and leverages of sample banks. Financial performance of banks is measured through three alternative measures of profitability, namely return on assets, return on equity, and net interest margin. Pooled data are used for panel regression analysis. Empirical study results revealed mixed and varied indication about credit risk management and its influence on the financial performance of commercial banks. The study results indicate that profitability of the banks is falling due to increasing NPAs. However, the capital adequacy ratio enhances the profitability of public sector banks more than the private sector commercial banks.Keywords
Commercial Banks, NPAs, Profitability, Credit Risk Management, Panel Regression Analysis, IndiaReferences
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