At this turbulent transformative juncture, Indian Banking in Transition provides a solid and comprehensive assessment of the issues and challenges involved. The book consolidates the expert viewpoints of a phalanx of top banking and finance professionals on both policy and operational issues facing Indian banks.

Highlights

• Global environment:

  • Merge and Rule

  • Role of IMF

• Policy Matters and RBI:

  • The Priorities of RBI

  • Profitability and Productivity in Indian Banking

  • Asset Liability Management

• Reforms in the Banking Sector:

  • Financial and Banking Sector Reforms

  • Lack of Customer Focus

  • Banking Cost Structure

• NPA Management:

  • NPA Management by financial institutions

  • A Capital Problem in the Offing?

• Private Sector Banks:

  • Survival of the Fittest

  • Financial Integration and the Financial System: Role of Banks

• Operational Issues:

  • Changing Face of Retail Banking

  • Disintermediation

  • Liquidity Management by RBI

  • Narrow Banking in India

  • Micro Finance

  • Technological Developments in Banking

  • Bank Restructuring: A Global Perspective

  • Low Inflation and its Impact on Interest Rates

  • The New Credit Order

• Future Perspective:

  • Competing for the Future.

T. Ravi Kumar (b.1957) has had a brilliant academic career, including a University First and Gold Medal in BA (1976). His other academic qualifications include CAIIB and CFA (Chartered Financial Analyst).

Ravi Kumar has rich, multi-faceted experience in banking, spanning more than twenty-five years. During this period, he also successfully completed several professional training courses from Banker's Training College of RBI, Mumbai; RBI Staff College, Chennai; National Institute of Bank Management, Pune, and in investment research from UTI Institute of Capital Market. He rose to be Deputy Chief Officer of Funds and Investments Department at Andhra Bank Corporate Office. He is currently working with Oriental Bank of Commerce looking after process design and re-engineering.

He has also spent three years in academics, including as Dean, Academic Wing of the Institute of Chartered Financial Analysts of India (ICFAI), where he guided students who undertook research projects in areas related to Banking and Finance. He has edited a book titled, Indian Banking in Transition: Issues and Challenges (Vision Books, 2000).