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BANKING
2004
Indian
Banks: Shift in Income Patterns
-- K Seethapathi T Jyotsna
The
survival kit for any organization is income, and the banking
industry is no exception to this. In the last few years, Indian
banks (apart from a few exceptional ones), have been able
to garner consistent positive profits and that too from sources
other than traditional means. What the various ways and means
of revenue in banks are and how this progressive transformation
has taken place find the center stage in this article.
© 2004 IUP. All Rights Reserved.
BANKING
2004
Cooperative
Banks Reforms: Need of the Hour
-- Amit Singh Sisodiya and Jose M Ittan
The
trouble at Maratha Mandir Cooperative Bank brings to the fore,
once again, the lack of corporate governance and financial
irregularity at cooperative banks. These problems have plagued
the cooperative banking system in India for long. The spate
of scams that happened during the last three years, post-Madhavpura
Mercantile Cooperative Bank crisis, has resulted in loss of
crores of rupees for depositors. Against this backdrop, the
need for effective reforms is greater today than ever.
© 2004 IUP. All Rights Reserved.
BANKING
2004
Private
Banks - RBI's Prescription on Ownership
-- N Janardhan Rao
The
recent draft guidelines issued by RBI on ownership and governance
in private sector banks have generated a lot of debate. These
guidelines indicate that the central bank wants to ensure
that undesirable elements are kept out of the system. However,
banks require more funds for future growth; if these guidelines
are implemented, additional capital infusions will not be
easy in coming days and banks could face a roadblock especially
if they are applied retrospectively.
© 2004 IUP. All Rights Reserved.
BANKING
2004
CMS
- A Novel Approach A Bane or a Boon
-- K V Saraswathi
Cash
Management Services (CMS) is a new entrant in the Indian banking
scenario. It enables bank to bring out the proper information
through required intervals and offer true nationwide banking.
The basic idea behind is to facilitate corporate clients to
overcome the major setbacks and hurdles in the existing collection
system of funds. This article conceptualizes the working of
CMS.
© 2004 IUP. All Rights Reserved.
BANKING
2004
Basel
II - Are Indian Banks Prepared?
-- Arindam Banerjee
The
deadline pertaining to the implementation of Basel II norms
is drawing nearer by the day. For effective implementation,
there are a lot of contentious issues need to be solved. The
preparedness varies from bank to bank as also the consensus
on the approach to be taken. The central bank's stand of the
issue too seems to be dubious. The article discusses indepth
the three pillars of the framework.
© 2004 IUP. All Rights Reserved.
BANKING
2004
Corporate
Governance in Commercial Banks
-- Dilip Dasgupta
Corporate
governance is a much spoken issue, but little has been done
to effectively put a sound practice in place. In the area
of financial sector, especially in banking, corporate governance
deserve added attention. This article tries to encapsulate
some of the corporate governance aspects that have come into
vogue. It speaks at length about the relevance of rating mechanisms
as far as corporate governance is concerned and how some banks
have already taken the initiative.
© 2004 IUP. All Rights Reserved.
BANKING
2004
IDBI
and IDBI Bank: The Merger Story
-- Sanjeev Kumar
After
a long wait, the boards of term-lending institution, Industrial
Development Bank of India (IDBI) and IDBI Bank, have cleared
a proposal to merge with each other. After merger, the new
entity will be the third largest bank in the country in terms
of assets. The main objective of the restructuring is to reduce
the cost of funds and expand IDBI's net interest margins.
This article analyzes the positive and negative aspect of
the merging scenario.
© 2004 IUP. All Rights Reserved.
BANKING
2004
Global
Trust Bank - The Saga
-- Arup Ghosh
The
collapse of GTB came as a wide shock to the country. It challenged
the ethical and corporate governance issue in Indian banking
system. It shook the foundation of trust in private sector
banking in India. This article tries to track the events and
reasons that led to the ultimate collapse of the bank that
was one of the leading new era banks in India.
© 2004 IUP. All Rights Reserved.
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