(An Autonomous Apex Institute Established by RBI & Banks)
(An Autonomous Apex Institute Established by RBI & Banks)
NIBM working paper series is an initiative to disseminate the initial research outcome of NIBM faculty members. The major research areas are Finance, International Finance, Credit Risk, Market Risk, Operational Risk, Treasury, Agricultural Finance, Economics, Marketing, Strategy, Operations Management, Analytics, Information Systems, and Human Resource Management within the broad areas of banking and finance. These research works are not peer-reviewed. The idea is to share the research outcomes to receive comments and suggestions. Some of the papers are expected to be under review for possible publications in peer-reviewed journals. Any citation of these research papers requires to mention of the appropriate URL with the source, and the date of access.
Paper Number: WP39/2024
Publication Year: April 2024
Authors:
Smita Roy Trivedi, smita@nibmindia.org
(Revised version accepted for publication in Commentary section, EPW)
Paper Number: WP38/2024
Publication Year: April 2024
Authors:
Shomi Srivastava, shomi@nibmindia.org
The objective of the research to investigate the impact of work experience and span of supervision on the choice of behavioral influence tactics. The research examines the consultation tactic and exemplification tactic as the dependent variables. Path coefficient and Multivariate analysis identified a significant relationship between work experience and …
Paper Number: WP37/2024
Publication Year: March 2024
Authors:
Jiji T Mathew, jiji@nibmindia.org
The main objective of this article is to critically assess the monetary tightening measures adopted by Reserve Bank of India (RBI) since April, 2022, and analyse its effects on money, bond, deposit and credit markets, including the real economy. It briefly looks at India’s quarterly inflation performance and also …
Paper Number: WP36/2024
Publication Year: March 2024
Authors:
Deepankar Roy, d_roy@nibmindia.org
Following demonetization, India experienced a significant increase in cashless transactions, propelled by initiatives such as PMJDY and the digital revolution driven by e-KYC and UPI. PMJDY, launched in 2014, facilitated the opening of a remarkable 420 million bank accounts, while UPI, introduced in 2016, emerged as a leading platform …
Paper Number: WP35/2024
Publication Year: March 2024
Authors:
Deepankar Roy, d_roy@nibmindia.org
Sarika Lohana
Fraud detection and prevention is a national concern. Fraud prevention is important for the national economy's corporate image, and an efficient mechanism must exist to identify and stop the continuation of the frauds, as well as strict prosecution. This study investigates the nature and types of bank frauds, as …
Paper Number: WP34/2024
Publication Year: February 2024
Authors:
Sanjay Basu, sbasu@nibmindia.org
Tasneem Chherawala
This paper offers a nontechnical overview of risk management in banks and financial institutions, with special reference to India. It begins with the evolution of banks and risk management practices over several centuries. It describes the genesis of the Basel Accords, against the backdrop of global financial instability during …
Paper Number: WP33/2023
Publication Year: November 2023
Authors:
Naveen Kumar K, naveen@nibmindia.org
Kuntal De
Financial inclusion and digital financial inclusion have been priority across countries, particularly in those that have large number of people operating outside the formal financial and banking framework. Digital financial literacy has been recognized as the first step towards this transformation which would allow many small holders to operate …
Paper Number: WP32/2023
Publication Year: August 2023
Authors:
Gargi Sanati, gargi@nibmindia.org
India's external sector has grown significantly through economic liberalization reforms, resulting in increased trade and capital flow ties with the world. The Inter-Departmental Group (IDG) of the Reserve Bank of India has been formed to discuss the internationalization of INR. The group recently submitted its report on October 22, …
Paper Number: WP31/2023
Publication Year: August 2023
Authors:
Richa Verma Bajaj, richa@nibmindia.org
The Reserve Bank of India, Master Direction on Minimum Capital Requirement for Operational Risk (OR), released on June 26, 2023, replaces all the existing Basel II risk approaches. The capital estimation in the new and revised approach, i.e. Standardised Approach (SA) of Basel III is based upon the financial …
Paper Number: WP30/2023
Publication Year: August 2023
Authors:
Dr Tasneem Chherawala & Dr Alka Vaidya
The digital lending industry has seen a remarkable growth in India over last few years. The Reserve Bank of India (RBI) has played a crucial role in supporting this initiative by establishing regulations and providing timely guidelines on digital lending to various regulated entities. The latest directive by RBI …
