A Comparative Analysis of South Indian Bank's Performance Post Implementation of Information Technology: An Empirical Analysis

Technological advancement has created a competitive environment in view of diversified banking products. The study unleashes the performance of South Indian Bank's against the backdrop of technology adoption in the banking industry. It is evident from the study that the bank showed significant improvement in all the CAMEL parameters after the IT adoption. Even though the Net Interest Income margin of the firm decreased during the initial post adoption period; in the long run, it will definitely reap the benefits due to the economies of scale margin. Even though liquidity ratios were above the ideal values, a very high value is an indication of lower amount of advances. A balanced approach would be, to bring liquidity margin near to ideal, which would improve the total business, along with an increase in income from other sources and reduction in operating expenses to maintain profitability.