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This revised and updated edition of Managing Indian Banks: The Challenges Ahead equips the senior management and middle management of banks/financial institutions in dealing with extremely complex issues that have come up in the post sub prime lending crisis. Highlighting the way organizations can develop systems in a proactive manner to deal with the myriad problems facing them, this book focuses on major technological changes in the banking sector risk management integrating click and brick banking services problems and solutions with regard to banks balance sheet, corporate planning, corporate personnel and e-banking The authors argue that overcoming these challenges is the key to getting competitive advantages and marching towards developing a sound market for financial services. This book would be helpful for the students of banking, financial management and bank management.
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Managing Indian Banks MANAGING INDIAN BANKS II Third Edition Managing Indian Banks The Challenges Ahead Vasant C. Joshi Vinay V. Joshi Copyright © Vasant C. Joshi, Vinay V. Joshi, 2009 All rights reserved. No part of this book may be reproduced or utilised in any form or by any means, electronic or mechanical, including photocopying, recording or by any information storage or retrieval system, without permission in writing from the publisher. First published in 1998 This Third Edition published in 2009 by Response Books Business books from SAGE B 1/I-1 Mohan Cooperative Industrial Area Mathura Road, New Delhi 110044, India SAGE Publications Inc 2455 Teller Road Thousand Oaks, California 91320, USA SAGE Publications Ltd 1 Oliver’s Yard 55 City Road London EC1Y 1SP, United Kingdom SAGE Publications Asia-Pacific Pte Ltd 33 Pekin Street #02-01 Far East Square Singapore 048763 Published by Vivek Mehra for SAGE Publications India Pvt Ltd, typeset in 11/13 pt Minion by Star Compugraphics Private Limited, Delhi and printed at Chaman Enterprises, New Delhi. Library of Congress Cataloging-in-Publication Data Joshi, Vasant C., 1932– Managing Indian banks: the challenges ahead/Vasant C. Joshi, Vinay V. Joshi—3rd ed. p. cm. Includes bibliographical references and index. 1. Bank management—India. 2. Banks and banking—State supervision— India. 3. Bank management. 4. Banks and banking. I. Joshi, Vinay V., 1963– II. Title. HG1615.J64 332.1068—dc22 2009 2009000701 ISBN: 978-81-7829-852-8 (PB) The SAGE Team: Anjana Saproo, Jyotsna Mehta, Mathew P.J. and Trinankur Banerjee Contents List of Tables List of Figures Preface to the Third Edition Preface to the Second Edition Preface to the First Edition Introduction 1 The State We are in: Impact of the Reform Process vii viii ix xii xv xviii 1 2 The Problems Ahead: Macro Economic and Micro Management 22 3 Banks’ Balance Sheets: An Approach to Evaluation Techniques 36 4 Corporate Planning, the Driver’s Seat: A New Road Map 90 5 Technology Developments in Banking: Impact Assessment 107 6 Cyber Laws: The IT Act 2000 and the Difficulties in Enforcement 142 7 Risk Management: Risk Perceptions and Techniques for Assessment and Management 160 8 Bank Investments: An Overview 199 9 Investment Risk Management 218 10 Analysing Treasuries: A Brief Review of Techniques 229 11 Asset and Liability Management: It is an Elementary Requirement 252 MANAGING INDIAN BANKS 12 Marketing the Complexities of Brick and Click Marketing 265 13 Managing Human Resources: It is a Different Ball Game 282 14 Regulating Banking and E-finance Activities 295 Epilogue Bibliography Index Ab