ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

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Perception and Reality

Indian Banking

This paper overviews the issues of non-performing assets held by banks; slowdown in credit growth; corporate debt; absence of modern risk-based approaches to management and regulation; the poor record of banks in transmitting monetary policy impulses; and their contributions to financial inclusion. It attempts to show that reality is more nuanced than the standard perspective that blames public ownership or a failure to modernise for the stresses public sector banks face.

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Updated On : 31st Mar, 2017
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