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

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A Critique of RBI’s Trend and Progress of Banking in India

Over the last three years, the scope of the Reserve Bank of India’s Report on Trend and Progress of Banking in India has drastically come down. Information on important aspects of the operations of commercial banks and other financial institutions is now not presented in the report. A plea is made to restore the contents of the erstwhile reports and enhance the utility of the publication with additional data fromRBI’s existing database.

Converting Urban Cooperative Banks into Commercial Banks

The debate around the conversion of Scheduled Urban Cooperative Banks into commercial banks warrants an investigation into their performance. The larger objective is to examine whether SUCBs are able to compete with their peer group and remain viable when subjected to stringent regulatory requirements, in the event of their conversion. The performance of SUCBs as a group is comparable with that of their peer group, that is, old private sector banks, with the exception of non-performing assets. Performance rankings reveal that the smaller SUCBs are better performers than larger ones, calling for a relook at the threshold for conversion. In the event of conversion of SUCBs into commercial banks, some of the converted entities will be as good as some of the existing OPSBs, or may even be a shade better.

Trade Unions in Banks Remain Relevant

“Are Trade Unions Relevant in the Indian Banking Sector?” by Bino Paul G D and Pooja Gupta Mahurkar (EPW, 16 April 2016) contains surmises and generalisations without verifiable supporting data, apart from glaring contradictions. Further, it does not address the current challenges before bank unions.
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