The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

Alzaidanin, J. S. (2003), “An Empirical Investigation of Bank Profitability and Market
Concentration in the United Arab Emirates Financial System”, Working Paper, Bangor Business
School, University of Wales, Bangor.
Athanasoglou, P.P., Brissimis, S. N. and Delis, M.D. (2005), “Bank-Specific, Industry-Specific and
Macroeconomic Determinants of Bank Profitability”, Working Paper No. 23, Bank of Greece,
June.
Barth, J. R., Nolle, D. E. and Rice, T. N (1997), “Commercial Banking Structure, Regulation and
Performance: An International Comparison”, Working Paper No. 97-6, Comptroller of the
Currency Economics.
Bashir, A. (2000), “Assessing the Performance of Islamic Banks: Some Evidence from the Middle
East”, Paper presented at the Economic Research Forum (ERF) 8th meeting in Jordan.
Berger, A. N. (2003), “The Economic Effects of Technological Progress: Evidence from the
Banking Industry”, Journal of Money, Credit and Banking, Vol. 35 No. 2, pp. 141-76.
Bourke, P. (1989), “Concentration and Other Determinants of Bank Profitability in Europe, North
America and Australia”, Journal of Banking and Finance, Vol. 13, pp. 65-79.
Buser, S., Chen, A. and Kane, E. (1981), “Federal Deposit Insurance, Regulatory Policy and
Optimal Bank Capital”, Journal of Finance, Vol. 35, pp. 51-60.
Camilleri, S. J. (2005), “An Analysis of the Profitability, Risk and Growth Indicators of Banks
Operating in Malta”, Bank of Valletta Review, Vol. 31, Spring.
Caprio, G. and Summers, L. H. (1993), Finance and its Reform, Beyond Laissez-faire”, Policy
Research Working Paper 1171, World Bank.
Carlson J., Furst K., Lang W. W. and Nolle D. E. (2001), “Internet Banking: Market Developments
and Regulatory Issues”, Manuscript, the Society of Government Economists, Washington D.C.
Claeys, S. and Vennet, R. V. (2004), “Bank Interest Margins in the CEEC: A Comparison with the
West”, Working Paper, Ghent University.
Delgado, J., Hernando, I. and Nieto, M. J. (2004), “Do European Primarily Internet Banks Show
Scale and Experience Efficiencies?” Working Paper No. 0412, Banco de España, Madrid.
Delgado, J., Hernando, I. and Nieto, M. J. (2006), “Do European Primarily Internet Banks Show
Scale and Experience Efficiencies?” European Financial Management (forthcoming).
Demirguc-Kunt, A. and Huizinga, H. (1999), “Determinants of Commercial Bank Interest Margins
and Profitability: Some International Evidence”, The World Bank Economic Review, Vol. 13 No.
2, pp. 379-408.
Demirguc-Kunt, A. and Huizinga, H. (2000), “Financial Structure and Bank Profitability”, World
Bank Policy Research WP 2430.
DeYoung, R (2001a), “The Financial Performance of Pure Play Internet Banks”, Economic
Perspectives, Vol. 25 No. 1, pp. 60-75.
DeYoung, R. (2001b), “The Financial Progress of Pure-Play Internet Banks”, BIS Papers No 7,
November.
DeYoung, R. (2001c), “Learning-by-Doing, Scale Efficiencies, and Financial Performance at
Internet-Only Banks”, Working Paper 2001-06, Federal Reserve Bank of Chicago, September.
DeYoung, R. (2005), “The Performance of Internet-based Business Models: Evidence from the
Banking Industry”, Journal of Business, Vol. 78 No. 3, pp. 893-947.
DeYoung, R. and Rice, T. (2003), “Noninterest Income and Financial Performance at U.S.
Commercial Banks”, Emerging Issues Series, Supervision and Regulation Department, Federal
Reserve Bank of Chicago.
DeYoung, R., Lang, W. W. and Nolle, D. E. (2006), “How the Internet Affects Output and
Performance at Community Banks”, Journal of Banking and Finance (forthcoming).
Egland, K. L., Furst, K., Nolle, D., E. and Robertson, D. (1998). “Banking over the Internet”,
Quarterly Journal of Office of Comptroller of the Currency, Vol.17 No 4, December.
Furst, K., Lang, W. W. and Nolle, D. E. (2000a), “Who offers Internet Banking?” Quarterly
Journal, Office of the Comptroller of the Currency, Vol. 19 No. 2, June, pp. 27-46.
Furst, K., Lang, W. W. and Nolle, D. E. (2000b), “Internet Banking: Developments and
Prospects”, Economic and Policy Analysis, Working Paper No. 2000-9, Office of Comptroller of
the Currency, September.
Furst, K., Lang, W. W. and Nolle, D. E. (2002a), “Internet Banking: Developments and Prospects”,
Working Paper, Center for Information Policy Research, Harvard University, April.
Furst, K., Lang, W. W. and Nolle, D. E. (2002b), “Internet Banking”, Journal of Financial Services
Research, Vol. 22 No. 1&2, August, pp. 93-117.
Goddard, J., Molyneux, P. and Wilson, J. O. S. (2004), “The Profitability of European Banks: A
Cross-sectional and Dynamic Panel Analysis”, Manchester School, Vol. 72 No.3, pp. 363-81.
Hasan, I., Maccario, A. and Zazzara, C. (2002), “Do Internet Activities Add Value? The Italian
Bank Experience”, Working Paper, Berkley Research Center, New York University.
Hassan, M.K and Bashir, A. H. M. (2003), “Determinants of Islamic Banking Profitability”, Paper
presented at the Economic Research Forum (ERF) 10th
Annual Conference, Marrakesh-
Morocco, 16-18 December.
Hernando, I. and Nieto, M. J. (2005), “Is the Internet Delivery Channel Changing Banks’
Performance? The Case of Spanish Banks”, Banco de Espana, Unpublished Manuscript.
Malhotra, P. and Singh, B (2004), “Status of Internet Banking in India”, Management
Accountant, Vol. 39 No. 11), November, pp. 890-96.
Molyneux, P. and Thornton, J. (1992), “Determinants of European Bank Profitability: A Note”,
Journal of Banking and Finance, Vol. 16, pp.1173-78.
Naceur, B. S. (2003), “The Determinants of the Tunisian Banking Industry Profitability: Panel
Evidence”, Paper presented at the Economic Research Forum (ERF) 10th Annual Conference,
Marrakesh-Morocco 16-18 December.
Sathye, M. (2005), “The Impact of Internet Banking on Performance and Risk Profile: Evidence
from Australian Credit Unions”, The Journal of International Banking Regulation, Vol. 6 No. 2,
February.
Scholtens, B. (2000), “Competition, Growth, and Performance in the Banking Industry”, Working
Paper 00-18, Center for Financial Institutions, Wharton School Center for Financial Institutions,
University of Pennsylvania.
Shanmugam, K. R. and Das, A. (2004), “Efficiency of Indian Commercial Banks During the Reform
Period”, Applied Financial Economics, Vol. 14, pp. 681–86.
Short, B.K. (1979), “The Relation between Commercial Bank Profit Rate and Banking
Concentration in Canada, Western Europe and Japan”, Journal of Banking and Finance, Vol. 3,
pp. 209-19.
Stiglitz, J. E. and Marilou, U. (1996), “Financial Markets, Public Policy and the East Asian
miracle”, The World Bank Economic Observer, Vol. 11, pp. 249-76.
Sullivan, R. J. (2000), “How Has the Adoption of Internet Banking Affected Performance and Risk
at Banks? A Look at Internet Banking in the Tenth Federal Reserve District”, Financial Industry
Perspectives, Federal Reserve Bank of Kansas City, December, pp. 1-16.