Impact of Interest Rates Changes on Banking Profitability Sector in India: An Empirical Research on the Profitability Performance of Selected Nationalized Banks in India

The study designed the impact of an interest rate change on the profitability of the banking sector in India. In this work comparative analysis of various profitability performance ratios like ROA, ROE, ROCE, Net Profit Margin Ratio, EPS, etc… and also find out the impact of interest rate on banks profitability with the help of correlation and regression analysis of selected nine nationalized banks in India. The data is collected through various annual reports of selected respective banks from 2011-12 to 2019-20. For the analysis, the data researchers have used various statistical tools like Mean, Ratio, Correlation Analysis, and Regression Analysis. This study concluded that out of all selected ratios, ROA, ROCE, Net Profit Margin Ratio, Net Interest Income/Total assets, Net Interest Margin Ratio and Capital adequacy Ratio indicated that null hypothesis is rejected which means there is a significant difference between these ratios of selected nationalized banks during the study period and also found that Bank Rate has significantly impacted on Net Profit Margin Ratio in all selected nationalized banks in India.

Antecedents and Consequences of Employee Engagement

Employee engagement in the corporate world, as well as in the academia, is an area of inquiry and exploration of its virtual importance. The objective of this research study is to present a conceptual model designed to probe the key antecedents and consequences of employee engagement, which determine the impact of empowering leadership, psychological capital, and job characteristics as antecedents, and employee service performance and organizational citizenship behavior as consequences related to employee engagement. This thesis replicates and expands Kahn‘s theory of engagement by integrating various variables designated as core antecedents and consequences of employee engagement. This research study is intended to contribute substantial knowledge to the argumentative literature on the employee engagement for academic researchers and business experts, which has mostly remained under the shadow of burnout concept based on Job Demand – Resource Model. The findings of this research study and significant suggestions, relevant to the banking sector will oblige leaders to re-evaluate their strategies and policies accordingly. Simple random sampling technique has been applied to select banks to collect requisite data through self-administered questionnaire from 1200 employees of the banking sector working in different banks posted in various cities located in all provinces of the Pakistan. The Analysis of a Moment Structures has been applied for confirmatory factor analysis and SPSS has been used to examine and determine inter-relationships among the study variables. PROCESS macro method developed by Hayes (2013) in SPSS has been applied to test the hypotheses. Empirical findings of the research study demonstrated positive and significant relationship among antecedents and consequences of employee engagement. Similarly, the results confirmed the partial mediation of employee engagement between aforementioned antecedents and consequences. Overall, this research study establishes and concludes that Kahn‘s theory of employee engagement is a sound conceptual basis for further research on this subject and guides future researchers to consider application of this theory for exploration of other relationships in the purview of employee engagement.