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Hits and Misses
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Hits and Misses
The Indian Banking Story



December 2020 | SAGE Publications Pvt. Ltd
Do you often wonder—‘Is my money safe in banks?’ India is grappling with its worst banking crisis ever, and we are still trying to figure out what landed us here. This book analyses the role of the government and RBI in allowing the problem to reach the dimension it has assumed today. 

When will the never-ending NPA issue be resolved? Does it make sense to merge two PSBs when the culture and governance structures are alike? Should the RBI reserves be used in times of crisis? Should the tenure of a CEO be long or short? The book ponders and debates on some of these questions. 

Hits and Misses presents the two sides of the Indian banking story by giving an account of the reforms as well as quandaries in times of extraordinary economic and political challenges. The book answers many relevant questions by highlighting the highs and lows of the banking sector, which became subjects of debate in media and financial circles. 

 
Foreword by Sanjiv Chadha
 
Preface
 
Acknowledgements
 
Introduction: Banking Metamorphosis
 
PART I Trends
 
Banking on Reforms: The Narasimham Committee Report
 
Advent of New Private Banks
 
Branches Pop Up Where Business Exists
 
Transformation of the Deposits Ecosystem
 
Credit Matrix
 
How the Structure of Income of Banks Changed?
 
Chipping of the PSB Market Share
 
The Human Factor
 
Managing Employee Pay Scales
 
PART II Controversies
 
The NPA Conundrum
 
The IBC: Are We Serious?
 
PCA Banks: That Hurts Now!
 
Going beyond PCA and the Collapse of Governance
 
Corporate Governance in Indian Banks
 
Bank Mergers: Do They Make Sense?
 
Privatizing PSBs: One Step Forward, Two Behind
 
Capitalizing PSBs: Whose Baby Is It?
 
How Free Are Banks?
 
Loan Waivers: Make Merry When the Going is Good
 
It’s Business After All
 
Freeing Banks from Term Lending
 
De-risking Banking: RBI’s Large Exposure Framework
 
Universal Banking: Should We Go Back?
 
CEO Tenure: Too Short or Too Long?
 
CEO Compensation
 
Bankers on Interest Rates: Narrow View Always
 
Relevance of CRR
 
Banking Costs: They Really Hurt
 
Priority Sector Lending: Will We Ever Get Out of It?
 
Benchmarking of Interest Rates: Who Should Decide?
 
Don’t Use the Small Savings Argument Please
 
Are Your Deposits Really Safe?
 
NBFCs and Shadow Banking: The Next Frontier
 
RBI versus Government: Is It a Healthy Relationship?
 
Handling Public Debt
 
RBI Reserves: Leave Them Alone
 
What Should Be the Tenure of RBI Governor?
 
MPC: Time to Go Back to the Textbook
 
Conclusion: The Final Take

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ISBN: 9789353886868
$20.00