Management Of Non Performing Assets In Indian Banks And Its Challenges

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Management of Non-Performing Assets in Indian Banks and Its Challenges

Author : Sujoy Dhar
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Management of Non-Performing Assets in Indian Banks and Its Challenges by : Sujoy Dhar

Download or read book Management of Non-Performing Assets in Indian Banks and Its Challenges written by Sujoy Dhar and published by . This book was released on 2016 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increase in non-performing assets has become a major area of concern for all stakeholders of Indian banking players. Provisioning requirements, consequent to higher non-performing assets and higher interest expenses have put pressure on the banks' profitability. The objectives of the study are to compare and contrast the performance of Indian banking sector with respect to its peer nations with specific emphasis to accumulation of NPA, to identify the causes of increase in NPAs in Indian banks and to recommend the necessary means through which NPA can be reduced to a significant extent. The research paper has taken into consideration the secondary data available in several research articles published in the different reputed national and international journals downloaded from EBSCO host and Emerald. Apart from these, different knowledge reports available in the public domain are also considered as the source of key information inputs. The paper will give a new dimension in the literature of NPA management after taking into account the guidelines of the Basel Committee on Banking Supervision to manage the credit risk. The focus of the research work is to identify the scope and direction of Indradhanush framework, an innovative initiative by the Ministry of Finance, Government of India to combat against the curse of NPA. The paper analyses the impact of recapitalization of Indian banks and puts a major impetus on knock out ratio to judge the financial health of the banks.

Managing Non Performing Assets by Public Sector Banks

Author : Dr R. K. Sant
Publisher : Lulu.com
ISBN 13 : 1365904814
Total Pages : 82 pages
Book Rating : 4.3/5 (659 download)

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Book Synopsis Managing Non Performing Assets by Public Sector Banks by : Dr R. K. Sant

Download or read book Managing Non Performing Assets by Public Sector Banks written by Dr R. K. Sant and published by Lulu.com. This book was released on 2017-04-22 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Managing NPAs (Non-Performing Assets) is one of the most important and difficult areas for Indian banking industry. Reduction of level of NPAs is the most Challenging task for banks because it reduces the profitability and operations. Due to increasing levels of NPAs in banks, they are required to maintain high levels of provisions for NPAs, which creates problems in, future leading operation of banks.

Management of Non-performing Advances

Author : T. V. Gopalakrishnan
Publisher : Northern Book Centre
ISBN 13 : 9788172111823
Total Pages : 220 pages
Book Rating : 4.1/5 (118 download)

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Book Synopsis Management of Non-performing Advances by : T. V. Gopalakrishnan

Download or read book Management of Non-performing Advances written by T. V. Gopalakrishnan and published by Northern Book Centre. This book was released on 2004 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book deals with the problem of Non-Performing Advances (NPAs) in public sector banks and its impact on the banks' books, banking and financial system of the economy. Recognizing the inevitable and festering nature of the problem, the author has come out, inter alia, with a statistical model as an innovative, simple and practical solution to contain NPA formation to ensure a strong balance sheet for banks and improved image of the borrowers. The author claims that the solution will prove to be a win-win situation for all stakeholders of banks including the economy, and its constituents Government, shareholders, depositors, borrowers, employees and others. Salient Features Changes brought about in banks under Banking Sector Reforms. â€¢ Emergence of NPAs in banks. â€¢ Problem of NPAs: Its causes and effects. â€¢ Performance of Public sector banks on management of NPAs. â€¢ Impact of NPAs on the economy, banksâ€™ balance sheets and profit and loss accounts. â€¢ Suggestions to contain NPAs from the angles of banks, borrowers, Government, Regulator and others. â€¢ A Statistical Model developed to contain formation of NPAs, strengthen banks' balance sheets and develop an emotional rapport between banks and borrowers.

A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks

Author : Dr Preeti Sharma
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks by : Dr Preeti Sharma

Download or read book A Study of Non Performing Assets Management with Reference to Select Indian Public Sector Banks and Private Sector Banks written by Dr Preeti Sharma and published by . This book was released on 2017 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The asset quality of banks is one of the most important indicators of their financial health. It also reflects the effectiveness of banks' credit risk management and the recovery environment. It is important that the signs of distress in all stressed accounts are detected early and those which are viable are also extended restructuring facilities expeditiously to preserve their economic value. (RBI/2012-13/208). The Indian banking sector has been facing severe problems of raising Non- Performing Assets (NPAs). The NPAs growth directly affects the profitability of banks. The problem of NPAs is not only affecting the banks but is affecting the economy as a whole. In fact high level of NPAs in Indian banks is nothing but a reflection of industry and trade. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets. (Olekar and Talawar, 2012). NPAs do not just reflect badly in a bank"s account books, they adversely impact the working of economy. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of select public sector and private sector banks and attempts to compare analyze and interpret the NPA management from the year 2010 -2015. On the conceptual side, it gives an overview of NPA, various types of NPA and its cause. The tools used in the study are Least square method and ANOVA. The findings reveals the percentage of Gross NPA to Gross advances is increasing for public banks, the Estimated Gross NPA for 2014-15 is also more in public banks as compared to private banks and from the ANOVA test, it is concluded Ratio of Gross NPA to Gross Advances for public sector and private Sector Banks does not have significant difference between 2010 to 2015.

Management of Non-Performing Assets in the Indian Public Sector Banks

Author : Goutam Bhowmik
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783843370394
Total Pages : 188 pages
Book Rating : 4.3/5 (73 download)

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Book Synopsis Management of Non-Performing Assets in the Indian Public Sector Banks by : Goutam Bhowmik

Download or read book Management of Non-Performing Assets in the Indian Public Sector Banks written by Goutam Bhowmik and published by LAP Lambert Academic Publishing. This book was released on 2010-11 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The occurrence of NPAs has been the single most vexing problem faced by the Indian Public Sector Banks (PSBs). In view of several adverse effects of NPAs both on banking and overall economy, the management of NPAs has become a crucial issue.Efforts of RBI & Govt.of India, however, seems to be inadequate. The present work, therefore, examined a number of relevant issues w.r.t management of NPAs in the PSBs with special reference to largest commercial bank, State Bank of India (SBI). Apart from discussing the means and strategies of managing NPAs in PSBs & SBI, the work provided a theoretical framework relating to NPAs and history of PSBs.It also covered areas like, NPA management framework in pre-reform period, NPAs in the priority sector and non priority sector lending, accounting and disclosure of NPAs, reduction of NPAs in Private Sector Banks and PSBs, etc. The work should help to provide an in-depth knowledge about the meaning, nature, causes, problems, progress and implication of one of the vexing problems of banking sector. The work would be useful to the academicians and professionals or anyone who have keen interest in the field of accounting, finance, banking and management

Managing Non-Performing Assets in Indian Public Sector Banks

Author : Sk Mujibar Rahaman
Publisher : Exceller Books
ISBN 13 :
Total Pages : 189 pages
Book Rating : 4./5 ( download)

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Book Synopsis Managing Non-Performing Assets in Indian Public Sector Banks by : Sk Mujibar Rahaman

Download or read book Managing Non-Performing Assets in Indian Public Sector Banks written by Sk Mujibar Rahaman and published by Exceller Books. This book was released on 2022-09-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive coverage of a burning issue faced by the banking industry in India, namely, the problem of Non-Performing Assets (NPAs). The book elucidates the theoretical exposition of NPAs in the first instance. It also demystifies the trends in movement of NPAs and thereby expounds efficiency in NPA management by Public Sector Banks, PSBs, in India. Recognising the inevitable and festering nature of the problem, the author has come out, inter alia, with a data-driven approach to measure financial performance and thereby assessed impact of the problem on different performance areas of banks. The book also investigates the major factors causing the problem of NPAs of the Indian PSBs. Finally, the author provides certain recommendations for the banks and the government that can help manage NPAs and strengthen the banking industry in the country.

Banking Sector Reforms in India and Performance Evaluation of Commercial Banks

Author : Debaprosanna Nandy
Publisher : Universal-Publishers
ISBN 13 : 1599423510
Total Pages : pages
Book Rating : 4.5/5 (994 download)

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Book Synopsis Banking Sector Reforms in India and Performance Evaluation of Commercial Banks by : Debaprosanna Nandy

Download or read book Banking Sector Reforms in India and Performance Evaluation of Commercial Banks written by Debaprosanna Nandy and published by Universal-Publishers. This book was released on 2010-07-29 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Committee on Financial System (CFS), popularly known as Narasimham Committee, was set up in 1991 to make recommendations for bringing about the necessary reforms in the financial sector. Narasimham Committee appraised and acknowledged the success and progress of Indian banks since the major banks were nationalized on 19 July 1969. Unfortunately, the developments were witnessed only in the field of expansion and spread of bank branches, generation of huge employment and mobilization of savings rather than also in improvement in efficiency. Besides, corruption, fraud, misutilization in public money, outdated technology, and politicization in policy making were found to be major drawbacks in the real progress of the banks. As the banking sector plays an important and crucial role in the economy of a country for its stabilization and balanced growth, major reforms were urgently needed, after 22 years of nationalization, to revive Indian banks. This was not only in the field of profitability, but also in the overall efficiency, viz., better management of non-performing assets (NPAs), satisfying capital requirements, increased cost effectiveness and control, enhanced customer service, improved technology, establishing competitive interest rate, effective man-power planning, introduction of asset-liability management, better productivity, launching new products, and becoming more competent to face the upcoming challenges and competition from foreign as well as private sector banks in the era of globalization and liberalization. The objectives of the study are to examine the need and relevance of reforms in Indian banks, to assess the efficiency and profitability of Indian banks during reforms from different perspectives, to discuss various issues of NPA management in the light of reforms, to measure the performance of the banks of West Bengal during the reforms, to analyse the role of information technology and its relevancy in Indian banks in the era of reforms, and to impart necessary suggestions for the improvement of the efficiency and profitability of Indian banks.

Banking Industry and Non-performing Assets (NPAs)

Author : Arun Kumar
Publisher :
ISBN 13 : 9788177084627
Total Pages : 192 pages
Book Rating : 4.0/5 (846 download)

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Book Synopsis Banking Industry and Non-performing Assets (NPAs) by : Arun Kumar

Download or read book Banking Industry and Non-performing Assets (NPAs) written by Arun Kumar and published by . This book was released on 2018-02-09 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Apart from significantly improving the stability of the financial system, banking sector reforms in India since 1991 have supported the transition of the Indian economy to a higher growth path. In comparison to the pre-reforms period, the Indian banking system today is more stable and efficient. However, these gains need to be consolidated into a mature financial system to meet the challenges of financial globalization. Many new processes, products and services offered by banks and other financial intermediaries are now IT-centred. Banks have traditionally been at the forefront of harnessing technology to improve their products, services and efficiency. They have, over a long period of time, been using electronic and telecommunication networks for delivering a wide range of value added products and services. In spite of the technological advances made by the banking system, it is afflicted by a slew of formidable problems, the chief being the accumulation of non-performing assets (NPAs). India's financial system and economic stability are facing a serious threat due to continuous one-way movement of the NPAs. The enactment of Securitisation, Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 was an important landmark in the ongoing reforms in the financial sector. The Act enables the setting up of asset management companies, addressing the problem of NPAs of banks and financial institutions and enhancing rights of the creditors. This book provides a vivid account of the banking sector reforms in India since 1991. More importantly, it analyzes the various aspects of the problem of NPAs of banks with the help of data/information available in public domain. [Subject: Business Studies, Banking & Finance, India Studies, Banking Law, Economics, History]

Managing Indian Banks

Author : Vasant C. Joshi
Publisher :
ISBN 13 :
Total Pages : 260 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Managing Indian Banks by : Vasant C. Joshi

Download or read book Managing Indian Banks written by Vasant C. Joshi and published by . This book was released on 1998 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Transformational Leadership in Banking

Author :
Publisher : Sage Response
ISBN 13 : 9789353887599
Total Pages : 546 pages
Book Rating : 4.8/5 (875 download)

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Book Synopsis Transformational Leadership in Banking by :

Download or read book Transformational Leadership in Banking written by and published by Sage Response. This book was released on 2021-03 with total page 546 pages. Available in PDF, EPUB and Kindle. Book excerpt: Transformational Leadership in Banking: Challenges of Governance, Leadership and HR in a Digital and Disruptive World by Anil K. Khandelwal offers a roadmap on leadership which is all about converting adversity into an opportunity for transformation. Through an excellent set of articles, case studies and interviews, this book offers a way forward for transformational leadership of the Indian banks. Despite their many achievements, public sector banks continue to face several challenges, such as increasing non-performing assets, depleting market share and low market capitalization. In the context of competition and digitalization requiring new business models, this book argues for a fundamental shift in the structure and process of governance, including board-level autonomy, CEOs tenure and compensation, people process, talent development and building a leadership pipeline, to make banks resilient, strong and future-proof. A must-read for anyone interested in the health of Indian banking.

Breaking the Chains

Author : Elio E
Publisher : Elio Endless Publishers
ISBN 13 : 9784760648429
Total Pages : 0 pages
Book Rating : 4.6/5 (484 download)

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Book Synopsis Breaking the Chains by : Elio E

Download or read book Breaking the Chains written by Elio E and published by Elio Endless Publishers. This book was released on 2023-07 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introducing "Breaking the Chains: Comparative Study of NPA Challenges in Indian Public Sector Banks" As a book distributor, I understand the significance of every page that graces my hands. And in this moment, I assure you, without further ado, that this is a journey worth undertaking. "Breaking the Chains" unveils a captivating exploration-a comparative study that unravels the challenges of non-performing assets (NPA) in Indian public sector banks. The world of banking, where financial currents ebb and flow, holds the key to a nation's economic and social development. It is within these sacred halls that financial assistance breathes life into sectors like agriculture, trade, industry, education, and health. In the vibrant tapestry of India, the banking sector assumes a vital role, weaving itself intricately into the implementation of five-year plans, showcasing its unwavering importance. As the echoes of history reverberate through the pages, we trace the origin and growth of banking in India-a tale as old as time itself. From the depths of Vedic times, where farming, trade, harvesting, and money lending formed the bedrock of society, to the emergence of private banks, their structures initially unorganized. However, wars and recessions cast their shadow, leading to the closure of many private banks, leaving a lasting impact on the course of the Indian banking sector. Within these compelling narratives, we witness the pivotal role that Indian public sector banks play in fostering the economic and social development of the nation. In the Ernest Hemingway style, each word carries weight, each sentence strikes a chord. The author's narrative expertly weaves together the intricate threads of comparative analysis, shedding light on the challenges posed by non-performing assets. With each turn of the page, "Breaking the Chains" invites readers to delve deep into the complex world of banking, where the resilience of institutions intersects with the aspirations of a nation. It is a journey that uncovers the struggles and triumphs, the complexities and possibilities, that define the path toward a robust and thriving financial system. Join us on this enlightening expedition, where knowledge illuminates and understanding paves the way for progress. "Breaking the Chains" serves as a reminder that even amidst challenges, the resilience of the Indian banking sector remains steadfast-an enduring force in shaping the nation's destiny. Let these pages be a testament to the power of informed decision-making and a catalyst for the continued growth and prosperity of India's financial landscape.

Banking Sector and Human Resources

Author : T. Sreenivas
Publisher : Discovery Publishing House
ISBN 13 : 9788183560481
Total Pages : 388 pages
Book Rating : 4.5/5 (64 download)

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Book Synopsis Banking Sector and Human Resources by : T. Sreenivas

Download or read book Banking Sector and Human Resources written by T. Sreenivas and published by Discovery Publishing House. This book was released on 2006 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents: Venue Capital: Recent Trends in the Liberalization Context, Role of Financial Institutions and Developmental Organizations in Promoting Rural Non-farm Small Enterprises, Challenges for Indian Banking Industry, HRD Practices in Banking Sector: An Analysis, The Balance Sheet of Liberalization: A Study of the Banking Sector, The Menance of Non-performing Assets: Challenges and Remedial Measures, Credit Disbursement by Commercial Banks After Second Generation Reforms, Financial Sector Reforms and Their Impact on Banks, Voluntary Retirement Scheme: Impact on Banking Sector, Emerging Challenges of Electronic Banking, Information Technology in Banks, Relationship Between Stock Prices and Exchange Rates, Corporate Governance: An Overview, Corporate Frauds: A Model for Good Governance, Development of Technical Entrepreneurship, Perspectives of Entrepreneurship Development Role of STEPs, and Innovation and Business Incubators, Management of Human Resource, Human Resource Managers Challenges, Managing Talent: A Market Driven Approach, Hallmarks of High Performing Organizations, India Shining with Human Strategic Strength, Human Resource Management with Specific Case Studies in India, Human Resource Management: Challenges in the New Millennium, Traditional Professional Communities: Their Reorientation, Human Resource Development As Strategic Strength, HRD As A Strategic Power, Developing Human Resource As A Strategic Strength, Transcultural Human Values, Rationalisation: A Competitive Advantage.

Managing Non-Performing Assets in Banks

Author : S.N Bidani
Publisher :
ISBN 13 : 9788170944911
Total Pages : 0 pages
Book Rating : 4.9/5 (449 download)

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Book Synopsis Managing Non-Performing Assets in Banks by : S.N Bidani

Download or read book Managing Non-Performing Assets in Banks written by S.N Bidani and published by . This book was released on 2005-03 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Relationship Between Credit Risk Management and Non-Performing Assets of Commercial Banks in India

Author : Sirus Sharifi
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis The Relationship Between Credit Risk Management and Non-Performing Assets of Commercial Banks in India by : Sirus Sharifi

Download or read book The Relationship Between Credit Risk Management and Non-Performing Assets of Commercial Banks in India written by Sirus Sharifi and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The study examines the impact of credit risk components on the performance of credit risk management and the growth in non-performing assets of commercial banks in India.The data is obtained from primary and secondary sources. The primary data is collected by administering questionnaire among risk managers of Indian banks. The secondary data on non-performing assets (NPAs) of Indian banks is from annual reports and Prowess database compiled by Centre for Monitoring Indian Economy (CMIE). Multiple linear regression is used to estimate the models for our study. The results suggest that identification of credit risk significantly affects the credit risk performance. The results are robust as credit risk identification is negatively related to annual growth in non-performing assets or loans. There is evidence in support of a priori expectation of better credit risk performance of private banks compared to that of government banks. The study has implications for Indian banks suffering from high level of losses due to bad loans. In addition, it will have implications for the implementation of new Basel Accord norms (Basel III) by Reserve Bank of India (RBI). The high and rising level of NPAs will have adverse consequences for credit flow in the economy in the absence of appropriate intervention by government and central bank in the form of changes in institutional and regulatory infrastructure. The problems in banking and financial services sector will lead to lower industrial and aggregate economic growth, and lower (or negative) growth in employment.There is little evidence on credit risk management practices of Indian banks, and its relationship with credit risk performance and NPA growth. The need for an effective risk management system to manage credit risk assumes importance and urgency in the context of high and rising NPAs of Indian banks, and the consequences for the Indian economy.

Management of Non Performing Advances a Study with Reference to Public Sector Banks

Author : Gopalakrishnan
Publisher : Infotech
ISBN 13 : 9784320242456
Total Pages : 0 pages
Book Rating : 4.2/5 (424 download)

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Book Synopsis Management of Non Performing Advances a Study with Reference to Public Sector Banks by : Gopalakrishnan

Download or read book Management of Non Performing Advances a Study with Reference to Public Sector Banks written by Gopalakrishnan and published by Infotech. This book was released on 2023-02-06 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This describes Indian banking well. Competition, mergers, IT, new products, markets, and rules change banking. Changes in interest rates, currency rates, commodity prices, lenders, borrowers, and government self-interest necessitate financial innovation to handle current and emerging challenges. Our financial sector, which underpins the economy, has struggled to adapt to developments. One explanation for this is banks' NPAs. A bank loan or advance is "non-performing" after 180 days of late interest or principal payments. Advances that don't generate revenue and won't be repaid impair banks' ability to act as middlemen, one of their main functions (mobilising savings and providing finance for investments). A strong economy requires a healthy banking system.

Bank Ownership Type and Banking Relationships

Author : Allen N. Berger
Publisher : World Bank Publications
ISBN 13 : 0222120258
Total Pages : 35 pages
Book Rating : 4.2/5 (221 download)

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Book Synopsis Bank Ownership Type and Banking Relationships by : Allen N. Berger

Download or read book Bank Ownership Type and Banking Relationships written by Allen N. Berger and published by World Bank Publications. This book was released on 2006 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consolidation in Indian Banking Sector: Evidence and Challenges Ahead

Author : Brajesh Tiwari
Publisher :
ISBN 13 : 9781482674026
Total Pages : 136 pages
Book Rating : 4.6/5 (74 download)

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Book Synopsis Consolidation in Indian Banking Sector: Evidence and Challenges Ahead by : Brajesh Tiwari

Download or read book Consolidation in Indian Banking Sector: Evidence and Challenges Ahead written by Brajesh Tiwari and published by . This book was released on 2013-03-03 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Global mantra Liberalization, Privatization and Globalization (LPG) process which was started in early 1990s has brought so many changes in the economic scene of the country. This process of economic reforms has brought competition not only from India but also from Overseas. In the corporate world it is said if you can't beat your competitor then go with them i.e. merge your company with your rival or take them over. So all it boils down to is the survival of the fittest. This process helps in attaining greater market share, acquiring additional brands, cannibalizing competing brands, realizing improved infrastructure, creating new synergies, and capitalizing on efficiencies and economies of scale or to globalize in the shortest span of time. Banking system is deemed as the bloodline of any economy and banks are trustees of public money. Therefore, its depositors have higher stake in welfare and growth of banks than its shareholders. The failure of a bank has more widespread implications than a failure of a manufacturing company. The banking sector reforms, introduced in the early nineties and continued since then, from part of the overall economic reform programme aimed at improving the competitiveness and efficiency of the economic system. The banking reforms, similarly, were also aimed at making banks more efficient and viable. Because of these reforms the capital adequacy of the Indian banks is now on par with international standards. Similarly, the level of net non-performing assets has come down to very manageable levels. An issue that is in the forefront of banking reforms currently is that of bank consolidation. To meet the challenges of global economy and to face increased global competition, Indian banks are changing their strategic focus and re-orienting their operations though restructuring processes to achieve the efficiencies required to survive and integrate into global economy. Prior to 1999, the amalgamations of banks were primarily triggered by the weak financials of the banks being merged, whereas in the post-1999 period, there have also been mergers between healthy banks. However, merger of public sector healthy banks have not taken place till now. Consolidation will provide Indian banks the 'size advantage' that most foreign banks have. Recent reports on banking sector often indicate that India is slowly but surely moving from a regime of `large number of small banks' to `small number of large banks'. The Government of India and RBI has also mentioned at several occasions that an early consolidation in banking industry is needed. But before banks go in for mergers, they need to chalk out a detailed plan on how to tackle challenges such as technology integration, HR management, and many other issues into consideration. This Book "Consolidation in Indian Banking Sector: Evidence and Challenges Ahead" is a modest attempt to cover all important issues regarding M&A in Indian Banking Sector. The whole study is divided into five chapters. The first chapter: Introduction, is introductory in nature briefly traces out the evolution of Mergers and Acquisitions (M&A) in India in banking sector. The second chapter: Review of Literature; focuses on the review of related studies of mergers and acquisitions undertaken by different scholars and researchers. The third chapter: briefly discusses M&A activity in Indian Banking Industry and also covers various laws related to M&A. The fourth chapter: Mergers and Acquisitions in the Banking Industry: An Analysis -I; makes a comparison of actual and predicted values of selected variables in banks under study. With the help of statistical tools the effectiveness of M&A has been tested. The fifth chapter: Mergers and Acquisitions in the Banking Industry: An Analysis -II; analyses the performance of the selected banks by using various financial ratios.