Download e-book for iPad: Banking Sector Liberalization in India: Evaluation of by Christian Roland

Download e-book for iPad: Banking Sector Liberalization in India: Evaluation of by Christian Roland

By Christian Roland

Banking quarter Liberalization in India explores intimately the alterations within the Indian banking zone over the past twenty years, and places them right into a comparative standpoint with the chinese language banking region. For this goal, the writer develops an in depth indicator-based framework for assessing the liberalization of a banking area alongside quite a few strategy steps in accordance with monetary liberalization and transformation experiences. This framework, besides the indications for the method and the result of liberalization, is utilized to the banking sectors in India and China to check for the results of liberalization at the quarter and the macro point. the foremost discovering is that whereas liberalization has more advantageous the sectoral functionality, it has to date had no influence at the macro point. The booklet includes a distinct description of modern reforms within the Indian banking region, a collection of symptoms for comparing banking zone reforms, and lots of graphs with key figures for the banking sectors in India and China.

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Banking area Liberalization in India explores intimately the alterations within the Indian banking region during the last twenty years, and places them right into a comparative viewpoint with the chinese language banking zone. For this goal, the writer develops a close indicator-based framework for assessing the liberalization of a banking region alongside quite a few strategy steps in keeping with monetary liberalization and transformation reports.

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The Narasimham Committee had suggested to increase the minimum capital to risk assets ratio from 8% to 10% to account for the increased off-balance sheet exposure of banks. See Government of India (1998), p. 22. 56 See Reserve Bank of India (2005c), p. 95. The rating agency Fitch estimates that the effective level of NPLs in India could be twice as high as reported due to less stringent classification norms. See Fitch Ratings (2003), p. 4. 58 Besides improving capital adequacy standards and accounting norms, the RBI has also attempted to strengthen the supervisory authority by establishing the Board of Financial Supervision (BFS) in 1994 as part of the RBI.

In this event a 100% provision for the loan is made. See ICRA (2004), p. 22f. 58 See Madgavkar, Puri and Sengupta (2001), p. 114. 59 See Indian Banks' Association (2003), p. 29; Joshi and Little (1997), p. 117f; Reddy (2002a), p. 364; Reddy (2002b), p. 340; Reserve Bank of India (2004b), p. ; Singh (2005), p. 23. 60 See Shirai (2002c), p. 23. The acronym CAMEL stands for Capital adequacy, Asset quality, Management soundness, Earnings and profitability, and Liquidity. Commonly, the sensitivity to market risk is included as a sixth component of the framework.

37 On the deposit side, there was a gradual liberalization for the rates on all term deposits, which account for 70% of total deposits. Deposit rate liberalization started in 1992, when an overall maximum rate for term deposits was fixed. From October 1995 onward, interest rates for term deposits of two years were liberalized. This threshold was reduced to one year in 1996, while the minimum maturity was lowered from 46 days to 30 days, which was further reduced to 15 days in 1998 and 7 days in 2004.

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