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Author: K Srinivasa Rao
Publisher: Notion Press
ISBN: 9781645878674
Category : Business & Economics
Languages : en
Pages : 278
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Book Description
Transformation of Public Sector Banks in India crisply captures the different phases of the journey of the transformation of PSBs in India, beginning with the nationalisation of banks. It maps the developments and challenges of PSBs in expanding the outreach to the unbanked hinterland to fulfil the socio-economic needs of the financially excluded segments. The resilience of PSBs is evident, more particularly in adopting technology, business process reengineering, risk management, asset quality management and other significant post-reform measures. The challenge to reinvent universally accessible banking services to compete with new generation banks is the reflection of the commitment of PSBs. The changes in the organizational structure, governance, human resource management and leadership developments brought through the seven pronged 'Indradhanush' framework and the Enhanced Access and Service Excellence (EASE) set of reforms put together provide an insight on the next level of bank reforms.
Author: K Srinivasa Rao
Publisher: Notion Press
ISBN: 9781645878674
Category : Business & Economics
Languages : en
Pages : 278
Get Book Here
Book Description
Transformation of Public Sector Banks in India crisply captures the different phases of the journey of the transformation of PSBs in India, beginning with the nationalisation of banks. It maps the developments and challenges of PSBs in expanding the outreach to the unbanked hinterland to fulfil the socio-economic needs of the financially excluded segments. The resilience of PSBs is evident, more particularly in adopting technology, business process reengineering, risk management, asset quality management and other significant post-reform measures. The challenge to reinvent universally accessible banking services to compete with new generation banks is the reflection of the commitment of PSBs. The changes in the organizational structure, governance, human resource management and leadership developments brought through the seven pronged 'Indradhanush' framework and the Enhanced Access and Service Excellence (EASE) set of reforms put together provide an insight on the next level of bank reforms.
Author: Dr M JuliasCeasar, Dr B Sheeba Pearline
Publisher: Archers & Elevators Publishing House
ISBN: 8195038425
Category : Antiques & Collectibles
Languages : en
Pages :
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Book Description
Author: K. Srinivasa Rao
Publisher: Notion Press
ISBN: 1684941962
Category : Business & Economics
Languages : en
Pages : 212
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Book Description
When the banking sector was coping with mergers and consolidation, the enlarged scope of activities of non-banks, fintech companies on high voltage digital banking spree, the scourge of the pandemic suddenly added several tectonic changes. The Covid-induced stress led to several rounds of stimulus packages, expansionary Union Budget 2021-22 and increased Capex allocations where the role of banks became more critical. Formation of Development Finance Institutions (DFI) and National Asset Reconstruction Company Ltd. (NARCL) – Bad Bank followed to provide the firepower to revive and sustain the economy. Encouraged by the unprecedented changes in banking sector, writing a book on ‘Changing Dimensions of Banking in India’ was considered apt to capture key changes with their implications. It highlights the nuances of potential changes in the organizational structure, corporate governance, digital innovations, credit growth, MSME sector, better managing asset quality and strengthening risk management architecture. The quick read can be a ready reference to the next generations leaders.
Author: Dasarathi Mishra
Publisher: Partridge Publishing
ISBN: 148283751X
Category : Business & Economics
Languages : en
Pages : 413
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Book Description
“The author, Dasarathi Mishra, a veteran central banker and bank supervisor and a leading champion for financial education, has comprehensively captured the critical role played by the central bank in the financial sector reforms. Mr Mishra’s book is a good addition to the literature on post reforms Indian financial system whose robustness and resilience remains critical to strong, sustained, and inclusive economic growth of the country.” — Harun R Khan, Former Deputy Governor, Reserve Bank of India
Author: Suman Bery
Publisher: Brookings Institution Press
ISBN: 9780815797623
Category : Business & Economics
Languages : en
Pages : 362
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Book Description
A Brookings Institution Press and the National Council of Applied Economic Research publication The India Policy Forum (IPF) is a new annual publication dedicated to research on the contemporary Indian economy. It provides a forum for addressing the scope, speed, and desirability of economic reforms within India and their fundamental impacts on the country's social and economic welfare. The IPF aims to nurture a global network of scholars interested in India's economic transformation. A joint publication of the National Council of Applied Economic Research in India and the Brookings Institution in the United States, the IPF provides a bridge between researchers in India and abroad. This inaugural issue contains highlights from a conference held in New Delhi in March 2004. Topics include: • India's Trade Reform: Progress, Impact, and Future Strategy • Should a U.S.-India Free Trade Agreement Be Part of India's Trade Strategy? • Foreign Inflows and Macroeconomic Policy in India • India's Experience with the Implementation of a Pegged Exchange Rate • The Challenges for Capital Account Convertibility in India • Banking Reform in India
Author: Nicholas C. Hope
Publisher: Cambridge University Press
ISBN: 1139560840
Category : Business & Economics
Languages : en
Pages : 545
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Book Description
The essays in this volume are written by leading economists working on the Indian economy. They collectively emphasize the importance of policies and institutions for sustained growth and poverty reduction, stressing that the success of sector-specific policies is vitally dependent on the nature of markets and the functioning of institutions such as those charged with regulating and overseeing critical sectors. Individual contributions assess the role of Indian government policy in key sectors and emphasize the policies required to ensure improvements in these sectors. The first section discusses aspects of the macro economy; the second deals with agriculture and social sectors; the third with jobs and how labor markets function in agriculture, industry and services; and the fourth with infrastructure services, specifically electricity, telecommunications and transport. The essays are drawn from the most influential papers presented in recent years on Indian economic policy at the Stanford Center for International Development.
Author: Neeta Verma
Publisher: CRC Press
ISBN: 1000482855
Category : Computers
Languages : en
Pages : 266
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Book Description
Technological innovations across the globe are bringing profound change to our society. Governments around the world are experiencing and embracing this technology-led shift. New platforms, emerging technologies, customizable products, and changing citizen demand and outlook towards government services are reshaping the whole journey. When it comes to the application of Information and Communication Technologies (ICT) in any sector, the Government of India has emerged as an early adopter of these technologies and has also focused on last-mile delivery of citizen-centric services. Citizen Empowerment through Digital Transformation in Government takes us through the four-decade long transformational journey of various key sectors in India where ICT has played a major role in reimagining government services to citizens across the country. It touches upon the emergence of the National Informatics Centre as a premier technology institution of the Government of India and its collaborative efforts with the Central, State Governments, as well as the District level administration, to deliver best-in-class solutions. Inspiring and informative, the book is filled with real-life transformation stories that have helped to lead the people and the Government of India to realize their vision of a digitally empowered nation.
Author: Viral V. Acharya
Publisher: Penguin Random House India Private Limited
ISBN: 9357082468
Category : Business & Economics
Languages : en
Pages : 278
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Book Description
An excellent primer for students wanting to learn macroeconomics and policymaking - Kaushik Basu An important and timely contribution to our understanding of the Indian economy - Raghuram Rajan How to maintain financial stability in India? Quest for Restoring Financial Stability in India is a classic work to understand this critical subject. In this Penguin edition, with a new introduction, Viral V. Acharya, former Deputy Governor of RBI offers a concrete road map for comprehensive improvement of India's economy. Authoritative and definitive, this is a must read for the students and scholars of Indian economy, policymakers and anyone interested in India's finance sector.
Author: Dr. Sanjeev Kumar
Publisher: EduPedia Publications (P) Ltd
ISBN: 8193339312
Category :
Languages : en
Pages : 188
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Book Description
The book entitled “Priority Sector Lending in India by Public Sector Banks- A Study of Pre and Post-Reform Period” is a Ph.D. thesis evaluated by Dr. Tapan Choure, Professor and Head, Vikram University, Ujjain (MP) and Dr. Shakuntla Gupta, Professor, Punjabi University Patiala (Punjab). Both these evaluators had recommended the publication of the thesis in its present form. Two research papers have been published from this thesis in the journal of “the Finance-India” and the Indian Journal of Economics. Commercial banks are supposed to play an important role in achieving the economic development by providing effective institutional credit support to various regions/sectors/sections. Banking has been viewed as a catalytic agent that must develop and support not only single element of national economy, but, also provide an effective link between the productive, distributive and consumption side of it. One of the most important objective of government policies since bank nationalization has been to extend and expand credit not only to those sectors which were of crucial importance in terms of their contribution to national income and employment, but, also to those sectors which have been severely neglected in terms of access to institutional credit. Those sectors which were to be initially identified for this purpose were agriculture, small scale industries and self employed persons. These sectors were accorded priority status in credit allocation by the banks. In fact, priority sector is still the butter and bread, both, literally and figuratively of Indian economic growth. Therefore, they require a special status. Though, there is no known formal decision by the government regarding curtailment in priority sector credit, yet, serious attempts have been in recent years to dilute the norms of priority sector lending. New banking culture after banking sector reforms is set to focus on credit to customer durables’, to corporate allied and to capital market related activities. Since the aim of banking reforms is to make public sector banking more proficient in treasury operations, the importance of investing in priority sector seems to have lost its relevance for banks. The present study seeks to analyze the growth and structure of priority sector lending in different states during the pre and post-reform period in India. Further, an attempt is also made to probe the trends in disparities in priority sector lending across the selected states of India. The scope of the study is confined to priority sector lending by the public sector banks only. Since public sector banks represent majority of the commercial banking activities in India, the overall trend can be easily determined by analyzing the data of priority sector lending of the public sector banks alone. Public sector banks are those, which are included in the second schedule of Reserve Bank of India Act 1934. However, the regional rural banks are not included in the present study. The main objective of the study is to analyze the level and structure of priority sector lending in India during the pre and post-reform period. How with economic reforms, the growth and composition of priority sector lending has been affected needs to be analyzed. Further, to what extent the different stipulated targets of priority sector lending are met also remains to be examined. Whether, priority sector credit is evenly disbursed across different states/sectors or is confined to few states/sectors remain to be studied. So, the present study is an attempt to evaluate the performance of public sector banks during the pre and post-reform period in priority sector lending. The study comprises eight chapters in all. The first chapter contains the role of commercial banks in the process of economic development and the genesis of priority sector lending in India. Also, various issues relating to non-performing assets (NPAs) in priority sector lending is discussed in this chapter. Further, a brief review of literature on priority sector lending by the public sector banks has been presented in the second chapter. The third chapter outlines the need, scope, objectives, hypothesis, limitations and methods of investigations used in the study. In the fourth and fifth chapter, the performance of public sector banks in financing agriculture and small scale industries has been analyzed respectively. In the sixth chapter, the performance of banks with respect to ‘other priority sector’ has been evaluated. In the seventh chapter, the performance of public sector banks with respect to overall priority sector lending has been examined. The growth and structure of NPAs in priority sector lending are also analyzed in the seventh chapter. Finally, summing up of the findings and conclusions of the present study and suggestions for improving the quality of priority sector lending by public sector banks finds a place in the eighth (last) chapter of the study.
Author: Debaprosanna Nandy
Publisher: Universal-Publishers
ISBN: 1599423510
Category :
Languages : en
Pages :
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Book Description
The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.
