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Faculty Detail

Deepak Tandon  

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Deepak Tandon  

MSc(1981-DelhiUniv) L.L.B(1987) –Delhi Univ C.A.I.I.B;M.B.A (Finance)-F.M.S Delhi University Dipl.Intl Trade-Exports( Bangalore)-1987 P.hD -2010   Washington DC US

Deepak Tandon  

I. PRESENT POSITION – PROFESSOR( Finance & Accounting ) , AREA   CHAIR =FINANCE & ACCOUNTING ;PROGRAMME CHAIRPERSON - PGDM   -Banking & Financial Services ,  IMI-International Management Institute   NEW DELHI  PAPERS TAUGHT :        1.Financial Management II         2.Management of Banks           3. Treasury & Risk in Banks           4. Investment Banking          5. Project & infrastructure financing  6. Financial & Commodity derivatives 7. Legal & regulatory aspects of banking 8. Treasury & Foreign Exchange Mangement 
  II. ACADEMIC TEACHING EXPERIENCE (21 YEARS) INTERNATIONAL +NATIONAL  International : University of Luton, Bedfordshire U.K. – Strategic Cost Management (M.B.A students )- Full Course taught Sasin University, Bangkok – Guest Lecturette   Regular Assignments Senior Faculty Member – Forex and Risk Management at Punjab National Bank, Oriental Bank of Commerce: Central Staff College / ZTC (2003 – 2005) Lal Bahadur Shastri Institute of Management – Professor Finance teaching Corporate Risk Management, Stock Market Operations, Corporate Taxation, Derivatives, International Financial Management, Banking, Security Analysis and Portfolio Management (Jan 2010 – Dec2012)  As a Visiting Professor where PGP / PGDM full – semester papers have been taught Shriram College of Commerce, Delhi University – GBO Course: Risk Management, International Financial Management –Derivatives , Risk Management SP Jain Institute of Management, Mumbai – Family Owned Business Working Capital Management IMT Ghaziabad – PGDEM: Investment Banking and Forex; MIB   International Financial ManagementRisk Management British Council – EMBA, Strategic Finance, Cost Management ICAI, New Delhi – Corporate Risk Management, Forex Risk Management  III. INDUSTRY EXPERIENCE 14  Scale I & II: Punjab National Bank & PNB Capital Services (Vice President) {1982 - 1994} Areas of Operations & teaching - Risk Management ., Forex - Dealing Room { Dealer }, Treasury Operations, FEDAI workshops, Trade Financing and Working Capital   Management At the Overseas Branch New Delhi and PNB Capital services – Merchant Banking Operations . Faculty at ZTC and STC Scale III: Senior Manager Forex - Vysya Bank Ltd {1994 - 1995}- Trade Financing operations . Faculty Scale IV: Chief Manger - J&K Bank Ltd { 1995-2000}- IPO and   Head Merchant Banking Divisions Scale V: All India Head compliance + Institutional Marketing - IndusInd Bank ( 2000-2003). Faculty Senior Faculty at Oriental Bank Of Commerce – Forex & Risk Management ( 2005-2010) Approved ISO Lead Auditor from Nigel Bauer & Associates (Germany), IRCA certified (London) Auditor

Deepak Tandon  

BOOKS AUTHORED1.Retail Banking; Skylark Publications; Jan 2009  ISBN: 81 – 86141 – 35 – 9 2.Forex Management & Business Strategy; Skylark Publications; 2006  ISBN: 81 – 86141 – 24 – 3 3.Forex Rate Arithmetic; Skylark Publications; (to be released shortly) 4.Indian Banking: Technology, Innovations and Key Concerns; Kunal Publications, New Delhi; Dec 2010 ISBN: 078 – 93 – 80752 – 18 – 1 5.Emerging Issues in Finance & Accounting; Himalaya Publishing House, Mumbai; 2002 6.Risk Management in Basle; Skylark Publications New Delhi ISBN 81-86141-46-47.
,7.Management  Of Banks : Text  & Cases (2015), Taxmann Publications Pvt Ltd  New Delhi  .ISBN  978-93-5071-638-0 Book Reviews Published  Over 20  Tandon K, Purohit H, Tandon D.  August (2016) Measuring Intellectual Capital and Its Impact on Financial Performance: Empirical Evidence from CNX Nifty Companies ,  Global Business Review 17(4) 1–18 © 2016 IMI SAGE Publications DOI: 10.1177/0972150916645703




(I)            Publications in National Journals

  • Tandon, D. (2015), “Predicting Non Performing Assets (NPAs) of Indian Banks: An Empirical Analysis Using Advance Binary Choice Models”at  8 th ISDSI International Conference, Pune, 2 -4 January, 2015 . Received the best paper award
  • Tandon D, Mehra Y.S , BansalM ( 2015 April)  Risk Management Practices of Indian Banks: A Survey based Study , Asian Journal of Research in Social Sciences and Humanities  Year : 2015, Volume : 5, Issue : 4, pp 118-133
  • Jaisinghani  D. Tandon D, Case - Vertical Integration in Manufacturing Sector: A Case of Indian Liquor Industry, Asian Journal of Research in Business Economics and Management Vol. 5, No. 7, July 2015, pp. 17-25. ISSN 2249-7307
  • Malhotra N ,Tandon K, Tandon .D ( Oct 2015) “Testing Emperics Of Weak Form Of Efficient Market Hypothesis: Evidence From Asia-Pacific Markets” IUP Journal of Applied Finance (IJAF), ISSN: 0972-5105
  • Tandon N, Tandon D , (August 2015)  India Adopts  Flexible inflation Targeting The Indian Banker  Vol III Issue , Indian banks’ association Mumbai   pp 18-25
  • Tandon ,D , Singh ,H , Singh K ,( November  2015)Credit Default Modelling in Indian Banks – Analysis using Altman Z Score, Asian Journal of Research in Social Sciences and Humanities Vol. 5, No. 11, November 2015, pp. 93-110.
  • Tandon D, KapoorT,Sha V (December 2015) Analysis Of Non-Performing Assets In The Indian Banking Industry, ZENITH International Journal of Business Economics & Management Research ZIJBEMR, Vol.5 (12), pp. 31-50

(II)               Publications in International Journals

  •     Tandon D, Yogieta  S Mehra “Impact Of Ownership And Size On Operational Risk Management Practices: A Study Of Banks In India ” Is Accepted In April 2015  for publication in Global Business Review. To be published in GBR 18.3 (May - June 2017) issue


  • Jaisinghani D,Tandon D, Batra DK , (June 2015)Profit persistence in emerging markets: empirical evidence from Indian banking sector , International Journal of Business Competition and Growth, Vol. 4, Nos. 1/2,Inderscience Journals Publications 


  • Jaisinghani D , Tandon D , (2015)"Yes Bank – Bringing Sustainability In Agriculture Through Public­private­partnerships (Ppps)" Emerald Emerging Markets Case Studies ­ Decision on Manuscript ID EEMCS­01­2015­0001.R1



  • Tandon D , Watts S ( 2015) Testing Stability Of Systematic Risk For Indian Stock Market: A Case Of Nifty50 Stocks , International Journal of Applied Financial Management Perspectives Volume 4, Number 4, October – December’ 2015 ISSN (Print):2279-0896,


  •  Sharma  RR , Tandon D . (June 2015)Case  Study titled  "Canara Bank Turnaround"    has been accepted at Ivey Publishing  for publication .


(i)                 BOOK AUTHORED Tandon D., Tandon N., Management Of Banks: Text And Cases, Taxmann’s Publications(P)Ltd, May 2015,308pp,Rs 345 ISBN :978-93-5071-638-0


  • Tandon D, Tan        Details of papers presented  Abroad don N Economic Growth Model of India and China – A Comparative Analysis paper  accepted  , presented at 2015 Sino-Indian Forum Sino Indian Relation : Change and development  on October 26-27th ,2015  at Chengdu , China . The International Conference was hoisted by Sichuan Academy of Social sciences , institute for  Social and Economic Change (ISEC ) China .



Amity Management Analyst; Vol. V, No. II, July – December 2010 ISSN: 0975 - 1440 Journal of Practicing Managers, I.P. University; Vol. I, No. II ISSN: 2230 – 7419 Global Business Review by Sage Publications -- ISSN 0972-1509== 5 Reviews Cengage Publications – Book on Indian Banking 2014 Tata Mc Graw Hill – Book Review on Financial Services Tat Mc Graw Hill – Book Review on Financial accounting – 2014 8 M-  Journal of  Indian Management  & Strategy  JIMS   ISSN : No 0973-9335- APRIL - JUNE 2014   Volume  19:  Issue 2   pp 64 FBR – FIIB Business Review AMR-11-2013-0064.R1 for Journal of Advances in Management Research.{ Listed Emerald Journal} Vikalpa: The Journal for Decision Makers – IIM Ahmedabad  AWARDS RECEIVED Received "Jewel Of India Award" from Ex Tamil Nadu Governor on behalf of Indian Solidarity Council on 24th November 2009 for outstanding achievements.  Received "Vidya Gaurav Gold Medal Award" from International Institute of Education & Management, Mumbai on 24th Nov 2009 for outstanding achievements\ Received Prof . T. S Grewal Award for the best paper in “ Banking Sector Reforms” at National Seminar University of Delhi on January 21 , 2011.  Received “Life Time Achievement Award” in Research (Commerce & Management) on 4th Feb 2012 at UGC sponsored conference at DAV College Malout, Punjab Received "Best Professor in Financial Management " Award at 22nd Dewang Mehta Business School Award  on 15th November 2014 at Mumbai Received the best paper Award at the 8th ISDSI  International Conference 2015 at Pune (Maharashtra)   EVENTS 2014 Financial Risk Management  CFO 2014 event of Dunn & Bradstreet  Mumbai  held at Park Hotel  New Delhi   on 18th September 2014 . Was a Delegate and panelist Chairman & Keynote Speaker at  International Conference on "Leadership Strategies for Management of Accounting, Finance, Marketing, Entrepreneurship, Economics and Trade" (LSMAFMET- 2014) Organized by "Social Welfare Foundation" In Association with "Krishi Sanskriti" on 20th and 21st September, 2014Venue: Jawaharlal Nehru University, New Delhi. Keynote Speaker   at  National Conference on Emerging Issues in International Trade and Finance at DDU, Delhi University Conference   held on October 17,2014 Chair at the 7th International Conference - Managing Organisations of tommorrow by Capitalising Generation NEXT  at BVIMR on 16th January 2015  ACADEMIC PAPERS PUBLISHED/ PRESENTED Year 2014 TandonD.,Tandon K, Malhotra N, An Evaluation of the Technical, Pure Technical and Scale Efficiencies in the Indian Banking Industry using Data Envelope Analysis  GBR  Global Business Review15(3) 1–19 © 2014 IMI  SAGE Publications Los Angeles, London, New Delhi, Singapore,Washington DC Tandon N, TandonD, Shruti (2014) " Virtual World Brand Experience And Purchase Intentions in India– A Factorial Approach "International Journal of Applied Services Marketing Services perspectives “ Vol 3, No 2 , pp 873-881 Seth Y,Tandon D(2014): Social Capital and its Intangible Gains - A Review, Asian Journal of Research in Social Sciences and HumanitiesVol. 4, No. 4, April 2014, pp. 1-19.ISSN 2249-7315  Papers accepted for  Publication  Tandon D, Gupta A (2014)Empirical Study of Level of Customer Service at Commercial Banks Asian Journal of Research in Social Sciences and Humanities   November 2014   Case Study  accepted for Publication- YES BANK – Bringing Sustainability in Agriculture through Public-Private Partnerships (PPPs)- Case + Teaching Notes   Ivey Business School at Western University  Year 2013 Publications in International refereed Journals “Capital Adequacy and Financial Indicators for profitability in Banks”, Asian Journal Of Research in social Sciences and Humanities  Vol III issue-IV, April2013  pp 01-07 “ Currency futures Potential in Capital Markets ”,International Journal of research in commerce,Economics and Management ,Vol.No 3(2013),Issue No 04 (April)pp29-37 Increasing threat of Money Laundering-A study of diversity in Indian Banking ,Global  Journal  of Finance  and Management ,Volume 5, Number 13,2013 pp 49-55 “World Congress on “Business, Finance, Marketing and Industrial Management for Sustainable Development” (BFMIMSD - 2013) organized by Krishi Sanskriti at School of Social Sciences, JNU Campus on May 25 – 26, 2013. “National Conference on Information and Communication Technologies (ICT) for Competitive Advantage” organized by I.P. University on April 26, 2013. “National Conference on Paradigm for Sustainable Business: People, Planet, and Profit” organized by IIT Roorkee on March 9, 2013. “International Conference 2013 on Global Competitiveness and Corporate Governance Imperatives in Emerging Economies” organized by Ansal University, Gurgaon on February 16, 2013. “Innovative Trends in Marketing in the New Millennium” organized by LBSIM, Dwarka on December 5, 2012. Case Study Published in International Journal Tandon, Deepak"Surmounting heights of Performance vis-a-vis peers: A Case Analysis of Punjab National Bank" International Journal of Applied Financial Management Perspectives, Vol 2 (2), April – June, 2013, pp. 447-461 IIM LUCKNOW CONFERENCE -2013 International Conference on Accounting & finance (IAF )Paper Presented -Emerging Risk Through Derivatives Payoffs, Valuations of Option Pricing and Strategies in Heteroskedascity Markets - Deepak Tandon7th ISDSI & 5th OSCM International Conference, Dec. 28-30, 2013, IMI, New Delhi, INDIA- Paper Presented titled “" TESTING EMPERICS OF WEAK FORM OF EFFICIENT MARKET HYPOTHESIS: EVIDENCE FROM ASIA-PACIFIC MARKETS" TRACK CHAIR in the IAF conference at IIM Lucknow in the CORPORATE FINANCE AREA Book Chapter:  “ Internet Marketing –Leveraging the internet for success in the Indian Banks”,inInformation and communication Technologies for Competitive Advantage Anu Singh Lather , Anil K. Saini and Sanjay Dhingra(edited) Bloomsbery Publishing India Pvt ltd , New Delhi , 2013, pp20-33Book review Published-Book Review by  Dr Madhu Vij Professor  FMS  New Delhi and Tandon K .published in International Journal of Applied  Financial  Management Perspectives  pp 313–A refreed quarterly Journal  .Book titled – “ Risk Management  in Basel” authored by  Dr Tandon D. Dr Tandon N and Ahuja .P  (2012)  Skylark Publications, Connaught place New delhi ISBN No 81-86141-46-4. Consultancy Conducted sessions for Loesche  India Private Limited Noida in the areas  of “Commercial and Legal Aspects of Business” on April 8-9 , 2013 .On 8th April 2013 Conducted sessions on Legal aspects of business – FEMA Implications on imports,Letter of Credit , Bank Guarantee/Bid Bond/Performance GuaranteeTraining Programmes / Workshop Conducted Training session at Bank of India STC   Noida for Probationary officers of Central bank of India in the area of  Trade, Import & Export policy , 16 April 2013Professional Services Year 2012 Tandon D. , Tandon N, Ahuja P, ( Jan 2012 ) An Empirical Analysis Of The Price Movements Of Futures Prices Of Brent Crude Oil On The Energy Sector  Companies In Indian Bourse Zenith International Journal of Multidisciplinary Research   Vol.2 Issue 1, January 2012, ISSN 2231 5780 Tandon D , 3-4 February 2102 , Profitability Modeling of Indian Banks in the light of Basel III norms- An insight , UGC sponsored National Conference , DAV College Malout Punjab. Tandon D . Ojha S .  ( May 21-222012 ) Accounting Globalisation : Issues and Challenges of IFRS  Implementation in Indian Banks  at 2nd Annual International Conference GSTF  Singapore Tandon D , Tandon N ( 24-25 Feb 2012 ) , Human Resource  Productivity  Accounting in the Public Sector Banks – A suggestive Lev & Schwartz Economic Model   HR  Conference at IP University, GGSIPU. Published in Book by Narosa Publications Tandon D, Ojha S, Tandon (March 2012 ) Customer Delivery And Delights In Indian Banking– An Empirical Analysis At Hdfc Bank, Icici Bank  Vis a Vis SBI  AJRBEM: Asian journal of Research in business, Economics and Management,Vol 2, issue 3 ISSN: 2249‐7307  Tandon D , Tandon N  ( 14 Dec 2012 ,  Facets  of Multivariate Modeling of Credit Risk in the Indian Banking Sectotr  at  BFSCON 2012 , International Conference  on Banking & Finance IMI  New Delhi  . Was also a Technical Chair  Year 2011  Dr Deepak Tandon; “An Empirical Analysis of the Impact of Performance parameters on the Technological upgradation in the Indian Banking Sector – A Case analysis” Paper published in Book – Financial sector Reforms in India - The Roadmap Ahead; BLS Institute of Management, Ghaziabad & Deakin University, Australia (2010) Excel Publishers, New Delhi ISBN: 978 – 93 – 80043 – 98 - 2  Dr Deepak Tandon; Paper at MDI – Management Development Institute, Gurgaon International Conference (FINCON) – “International Conference on Financial Innovations & Change for Survival & Growth” held on Jan 07 - 08, 2011Paper Titled "Unveiling Forex Markets, Exposure modeling and Forex Risk Management by Indian Commercial Banks – An empirical assessment"  Paper titled “MIS Sustain Credit Risk metrics Vis a Vis the Future of Indian Banking System” by Dr AK Saini (Professor) IP University and Dr. Deepak Tandon (Professor) LBSIM Published in International Journal Global Journal of Enterprise Information System (GJEIS); Vol. 3, No 2 (2011)  Presented a Research paper at IIT Delhi on 7th July 2011 at International Conference on Tourism & Technology (Banking & Technology) Paper titled - “Money Laundering & Indian Banking - A Latent Variable Approach”   Presented a paper at Sailesh J. Mehta Institute of Management IIT Mumbai Paper titled “Metrics linkages like growth, profitability and Non Performing assets in the Indian Banks – an empirical analysis of the Public Sector Banks” on 30th September 2011. Paper is coauthored with Dr. Deepak Tandon (Professor) - LBSIM  Dr. Deepak Tandon; “Strategizing Indian Corporate Growth by deployment of Innovative Forex Risks Hedging Techniques – Assessment of Forex Derivatives Through VAR Models” Paper presented at International Conference “Enhancing Organizational Growth through Innovation and Creativity” on 05 - 06 May 2011 at Amity University, Manesar (Haryana) ISSN: 979 – 93 – 81361 – 02 - 3 (Excel India Publishers) Dr. Deepak Tandon; Panelist and Chair Person – Technical Sessions at the International Conference “Enhancing Organizational Growth through Innovation and Creativity” on 05 – 06 May 2011 at Amity University Manesar (Haryana)   Paper titled “Exchange Rate Forecasting Model - An Empirical Analysis of Artificial Neural Network (ANN) vs. Linear Regression” coauthored with Dr. Deepak Tandon at Diamond Jublee International Conference on Frontiers of Infrastructure Finance (ICFIF 2011) at IIT Kharagpur (Vinod Gupta Institute of Management) on Dec 29 – 31, 2011 .  Tandon D , Tandon N ( 2012 ) IT Governance and CRM beyond CBS in the Indian Banking Industry , BVIMR   Paristhiti 2011 – Adjudged best Case Prize award   Tandon D. ( Nov 2011 )   Credit Risk Modeling : Analytics in the Indian Banking Sector   at International Conference at Apeejay School of Management New delhi . Was the Session Chair at the conference “Evidence of Technology S - Curve’s in Indian Banking Sphere” accepted for Presentation and Publication in IBA sponsored BANCON 2011 hosted by Indian Overseas Bank as part of their Platinum Jubilee Celebrations on 04 - 06 November 2011 at Hotel Le Royal Meridien St. Thomas Mount, Chennai. Paper titled “An Analysis of the Indian cement sector and evaluating the impact of a possible merger between two top players ACC and Ambuja Cements Ltd.”  INTERNATIONAL CONFERENCE ON ECONOMIC AND BUSINESS ISSUES at Hotel Hans, New Delhi on Dec 19, 2011  [Foreign Collaboration] GARP (Global Association of Risk professionals, Inc USA) sets standards in advanced Professional Risk Management and Market data for promotion of best practices globally -became an Affiliate Member (APAC Region) - Mumbai centre on 30th May 2011  Year 2009 - 2010 Research paper titled “Relative Performance Of Banks - a study using DEA Model” published in The Indian Banker - IBA Bulletin, Mumbai Vol. IV, No. 7 pp 39 – 45; July 2009  Presented and published a research paper titled “Banking Sector Transformation and Implications of NPA Management on Indian banks in the Current Scenario" at 4th National Research Conference on Impact of Current Economic Downturn on Financial Sector and Employment Prospects in India held by AIMA New Delhi on 11th April 2009  Paper presented at The IXth National Conference at Bharti Vidyapeeth University (BVIMR) New Delhi on 13 February 2009 Paper titled “Exposures in Forex Risk Management”  Presented and Published a Research Paper titled “Money Laundering (Hawala) and its implications in the Performance Of Indian Banking - Case studies with insight to AML at Axis Bank” at National Conference on Finance & Banking - 2009 at Saintgitts Institute of Management Kottayyam on 28 - 29 August 2009  Presented and published Case study titled “Credit Risk and Monitoring Mechanisms in Scheduled Commercial Banks: A Model Case study of Union Bank Of India” at VISHLESHAN 2009 at Case Study Symposium held at Guru Gobind Singh I.P University New Delhi on 4th September 2009  Presented and Published a Research Paper titled “Multi facet Audit Controls in Indian Banking Sector - A Systematic Model for adoption of Credit Audit at J & K Bank Ltd” at the 7th UGC Sponsored National Conference on Indian Banking - A New Vision at DAV College Malout (Punjab) on 18 - 19 September 2009. Was the Keynote speaker and Chair person of the Research Papers presentation  Presented and Published a Research paper titled “Information Technology, Innovations in the Indian Banks : A Comparative Analysis” at the Athanaeum 09 at Bhartidasan Institute of Management BIM - Tiruchirapalli on 14 - 15 February, 2009  Paper titled “Credibility & delivery of Services envisaged to the customers in Indian Banking - An empirical analysis of ICICI Bank, HDFC Bank vis-a-vis SBI” Paper presented on 18th July 2009 at ICIMP - 2009 International Conference on Indigenous Management Practices at Annamalai University, Tamil Nadu  Presented and Published a Research paper titled “Hedging and Modeling of Forex Risk Exposures via SWAPS - An Empirical Study of the Indian Public Sector Banks” at International Conference – 2009 - Innovative Trends and strategies in Finance held at IES, Mumbai on 5th February 2009  Paper presented titled “Evaluation and judgmental Multivariate Analysis of Indian Banking” presented at the 2nd Annual Banking Conference: BANCON on 30th October 2009 at NMIMS (Narsee Monji Institute of Management) Mumbai  Presented a Research Paper titled “Impact of global Financial crisis on Cost and performance of the Indian Banking Industry - An Empirical Analysis using Nonparametric Tests” at the International Conference on Innovative Strategies for Value Creation and Management at RV Institute of Management Bangalore presented on December 10, 2009  Paper titled “Rationalistic view and assessment of a long term Credit proposal for Consortium Banking” Research paper presented and won award of appreciation at National conference of Research paper Competition at Bharti Vidyapeeth University Pune,(Delhi Campus) on 20th February 2010  Dr. Deepak Tandon; Paper presented titled “Credit Default Risk Modeling through Transition Matrix: A Case Analysis at Indus Bank Ltd” at 7th Renvoi, Amity Business School, Noida – International Case competition on theme - Innovative Managerial Techniques in the Contemporary Ethos on August 27 2010

Deepak Tandon  

RESEARCH PAPERS / SEMINARS RESEARCH PAPERS IN BANKING OVER 70 , (IBA)BANCON – Papers presented . Research Papers  : 117  Books Authored  : 7 ., National Seminars participation/coordinated  :  18 Conferences/ Workshops participation/coordinated  Keynote  : 52   International Seminar/ Conferences participation/ coordinated   :   35  Panel Discussions participation/ coordinated  : 05  Refresher Programmes Attended-  ISO  Participation /  Lead Auditor  :02   PhD students  guided  :03 POSTS HANDLED + ACADEMIC MEMBERSHIPS  Positions Handled Current Position – Professor – Finance, International Management Institute (IMI), New Delhi -Dec 2012 Coordinator  and Faculty Mentor of Finalyze club  IMI NEW DELHI  Professor – Accounting & Finance, Lal Bahadur Shastri Institute of Management New Delhi; Coordinator – Post Graduate Programme Executive (PGDM – Executive) ; Finance club Moderator, ISO 9001:2008 Certification Coordinator, Head of Risk Management cell.  Editor – in - Chief 1.Asian Journal of Research in Social Sciences and Humanities ISSN: 2229 – 7315 Listed at Cabell’s Directory, U.S.A.; Ulrich’s Periodicals Directory, ProQuest, U.S.A.; University Library of Regensburg, Germany; South Western German Library Consortium (SWB)  2.Journal of Finance  and Economics .. 10. Cheswold Blvd. Newark,De,19713 United States  ISSN (Print): 2328-7284,ISSN (Online): 2328-7276 Member: Editorial Board  ZENITH: International Journal of Multidisciplinary Research Indexed / Listed at Cabell's Directory of Publishing Opportunities, Texas; Ulrich’s Periodicals Directory, ProQuest, U.S.A.; E - ISRJC, Philippines; EZB, Germany; Open J - gate, India I.P. University – BCIPS: Journal for Practicing Managers, ISSN: 2230 - 7419 IJAME – International Journal of Advances in Management & Economics - An International Bimonthly Open Access and Peer Reviewed Journal of Management Studies ISSN 2278 – 3369 International Journal of Applied Business Management perspectives with Dr. Medhat Hassanein - Professor; School of Business Management, American University in Cairo, Minister of Finance, Egypt as Patron E Journal of Financial Engineering and Management (EJFEM} with Hamid Saremi - Vice – Chancellor; Islamic Azad University, Quchan Branch, Iran Indian Journal Of Finance {double –blind peer reviewed Index /referred journal   w.e.f May 2013 International Journal of Accounting and Financial Management Research (IJAFMR) , ISSN (Print : 2249-6882, ISSN Online :2249-7994 Advances in Economics and Business Management (AEBM)Mexico,Print ISSN: 2394-1545 Online ISSN: 2394-1553



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