Banking Sector Reforms in India : Problems and Prospects

Contents: Preface. Contributors. 1. Performance appraisal of public and private sector banks during the post liberalization period in India/M.S. Tomar. 2. Extent and control: analysis of NPAs of Indian banking industry/B.S. Yadav. 3. The key issues for furtherance of reforms on urban co-operative banking/Kaynat Tabassum. 4. Profitability of RRBs and the issues for the sponsoring banks/Krishan Kumar Yadav. 5. Emerging approaches to combat the financial crisis in banking industry/Humayun Masood. 6. Evaluative analysis of consolidation of banks in India after new economic reforms/K.D. Gaur and Rachita Rana. 7. Banking sector reforms in India/Shok Mittal, Shaukat Haseen and Reena. 8. Banking sector reforms in India: some issues/M. Altaf Khan, M.K. Nabi and Mohammed Arshad Khan. 9. Emerging challenges in India banking/Atvir Singh. 10. Deposit mobilization by scheduled commercial banks during the banking sector reforms period/B.S. Yadav and Km. Priya Jain. 11. A study of institutional credit for agricultural development in India economy/Gajendra Singh. 12. Recommendations of Narasimham Committee-I and its impact on banking sector reforms/Nandini Sharma and Anjali Chaudhary. 13. Role of institutional agricultural credit and its implications in India/Kavita Solanki. 14. Impact of recommendations of Narasimham Committee I and II on banking industry/Azra Bano. 15. Indian banking sector-running and reforms since its inception: a review/Aditya Gautam and Sachi Rana. 16. An analysis of Raghuram Rajan Committee report of banking sector reforms in India/Virendra Singh and Neeraj Chaudhary. 17. Rationale, strategy, advancement and efficacy and future agenda during financial and banking sector reforms in India/Vikas Garg. 18. Non-Performing Assets of public sector banks in India in post-reform era/H.P. Singh and Rajeev Pandey. 19. Banking sector reforms and regional rural banks: an overview/Renu Tyagi. 20. Information technology in banking industry with special reference to six-sigma quality model/A.K. Tomar and Vineeta Gupta. 21. Banking sector reforms and efficiency of the banking sector in India/R.K. Singhal, Mohit Dhawan and Aakansha Uppal. 22. Efficacy and future agenda for banking sector reforms/Anil Gupta, Jasvir Singh, R.K. Agrawal and Atul Gupta. 23. The liberalization policy of Gvt. Of India with special reference to banking sector/S.K. Gupta and V.V. Arya. 24. Banking and financial sector reforms in India/Mamta Chaudhary and A.K. Govila. 25. An analysis of recommendations of Narasimham Committee-I/Archana Singhal and Virendra Tiwari. 26. Approaching the Doorsil of recession: banking sector reforms in the backdrop of recessional tendencies/Sachi Rana. 27. The changing banking environment and role of HRM/Abhinanda Gautam. 28. Non-Performing Assets of scheduled commercial banks in India: magnitude and control/Richa Singh and Vineeta Sharma. 29. Impacts of banking sector reforms on the Indian banking industry/Manju Mittal. 30. Financial stability of Indian banking sector in the context of global financial crisis/Kamal Vir Tyagi and Suchi Tyagi. 31. Banking reforms in India/Anju Garg. 32. Banking sector reforms in India/Renu Dubey, Neetu Dubey and Mukesh Sharma. 33. Non-Performing Assets of scheduled commercial banks/Archana Gupta. 34. Appraisal of Indian banking system: pre and post financial reforms/Sachin Shrivastava and Anil Rajoria. 35. Banking sector reforms in India: problems and prospectives/Shobha Jain and Hemlata. 36. Banking sector reforms and its impact on the soundness of the banking sector/Surbhi Mittal and Parul. 37. Narasimham Committee-I and its implications in Indian economy/Haridutt Sharma and Lokesh Kumar. 38. An analysis of Narasimham Committee-II report/Ruchi Rani and Meena. 39. Efficacy and future agenda for banking sector reforms/Rahul Garg. 40. Banking sector reforms in India/Garima Chaudhary. 41. Impact of reforms on Indian banking industry/Neetu Saini and Hemlata. 42. Non-Performing Assets (NPAs) of commercial banks: problems and challenges/Mukesh Kr. Sharma and Jyotsana Chauhan. 43. The banking system ad the securities scam of1992 and 2001/A.K. Govila and Neha Goel. 44. Banking sector reforms and profitability in public sector banks/Surbhi Mittal and Vinod Kumar. 45. Impact of globalization on performance of banking sector in India/A.K. Garg and Priya Jain.

“Responding to the macro economic crisis of the late 1980s, a wide programme of globalisation, liberalisation and privatization was initiated in India in July 1991. This programme encompassed wide -- ranging reform measures touching almost every aspect of the Indian economy. Since hen, these wide ranging reforms have induced greater efficiency and competitiveness in all spheres of economic activity.

The basic theme of the book is to present a comprehensive and systematic analysis of the impact of Banking Sector Reforms in the areas of efficiency, profitability and performance appraisal of commercial banks, both in public and private sector, over a period of 16 years since the initiation of Banking Sector Reforms in 19925-93. It takes into account a historical review of the development of commercial banking in India in the pre-reform period and also mentions the conditions and circumstances that were responsible for the initiation of Banking Sector Reforms. It also reviews the main recommendations of the “Committee on the Financial System” (1991) and the “Committee on the Banking Sector Reforms” (1998), both presided over by Shri M. Narasimham and their implications for the banking sector.

The main focus of the analysis presented in the different papers is on the evaluation of response of banks in public and private sector individually and as a group to Banking Sector Reform measures in the areas of efficiency, performance and profitability. Thus, the book provides a detailed and comprehensive review of Banking Sector Reforms and shifts that have taken place in the perceptions, practices and policies of commercial banks.

The book will be highly useful for academicians, researchers, policy makers, bankers, planners and business analysts.” (jacket)