Green Computing
نویسنده
چکیده
of the Paper Information Technology (IT) has got tremendous potential for enhancing the operational efficiency of banks and strengthening their risk management capability, particularly credit risk management. Taking the case of Old Private sector Banks (OPBs) in Kerala state, this paper seeks to analyse the role of IT in improving their net interest margin (NIM) and non-interest margin (NOM), the most popularly used measures for operational efficiency and risk management. For the sake of comparison of Kerala-based OPBs (KOPBs), the general case of OPBs and that of New generation Private sector Banks (NPBs) in India are also studied. Key Terms: Technological Change, Operational Efficiency, NIM, NOM.
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