%0 Journal Article
%T The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience
%A Pooja MALHOTRA
%A Balwinder SINGH
%J Eurasian Journal of Business and Economics
%D 2009
%I International Ataturk Alatoo University
%X The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banksĄ¯ performance and risk. Using information drawn from the survey of 85 scheduled commercial bankĄ¯s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank
%K Banking
%K Internet banking
%K performance
%K risk
%K India
%U http://www.ejbe.org/EJBE2009Vol02No04p43MALHOTRA-SINGH.pdf