Indian Banking Sector: Essays and Issues

Banking sector continues to be a dominant entity in the Indian financial landscape and that is why, its solvency and robustness is all the more significant for the stability of Indian financial system on one hand and also for the economic development of the country on the other hand. Against this backdrop, an attempt has been made through this book to have an analysis on some of the key topics related to the subject such as Indian financial and banking systems (chapter 1), asset quality (chapter 2), income diversification (chapter 3), concentration indices (chapter 4). Basel III regulatory framework (chapter 5). deposit interest rates and monetary policy transmission (chapter 6), customer services (chapter 7), micro-finance sector (chapter 8), and issues and challenges (chapter 9). Further wherever possible. cross-country experiences have been provided in chapters to have better understanding of the position of Indian banking sector vis-a-vis other countries. The analytics covered in most of the chapters have also been published in various economic journals of the national repute at different points of time. The efforts have been made to consolidate all such articles on the subject at one place through this book for easy accessibility and also for the benefit of large section of readers. The selection of topics has been planned in a manner, which can largely benefit different set of readers. We are hopeful that the publication will be beneficial and also be useful as reference book for bankers, researchers and students pursuing higher studies on the subject.