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

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Public Sector Banks Are Adrift

With credit and deposit growth slowing in key sectors and only retail credit growing, low capital adequacy ratios of banks, senior management changes in the offi ng, and bank mergers, the National Democratic Alliance government needs to ask itself what it envisages for public sector banks, and indeed for the Indian economy.

Issues in Asset Liability Management - VI

This article, in a series on asset liability management by commercial banks, discusses the principles governing the fixing of the prime lending rate. Actual pricing at times may have to differ from what is arrived at on the basis of the principles set out here - for competitive reasons, for instance. However, it will be prudent to undertake such deviations consciously and calculatedly - and with the idea of reverting to rational pricing when conditions permit.
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