A post-reform assessment of the Indian banking sector: profitability, risk and transparency
by Niranjan Chipalkatti, Meenakshi Rishi
International Journal of Financial Services Management (IJFSM), Vol. 2, No. 1/2, 2007

Abstract: This paper critically evaluates the performance of Indian banks by examining quantitative data on bank profitability and risk subsequent to the market-oriented reforms in 1991. A bank transparency indicator is also constructed to appraise the performance of Indian banks with respect to the quality of their disclosures. The assessment indicates deteriorating profitability, heightened risk exposure and inadequate transparency of accounting disclosures. The study underscores an urgent need for an improvement in the risk management skills of Indian banks and their supervisors. Such practices may necessitate more rather than less governance in areas of corrective action, financial transparency, and risk management.

Online publication date: Thu, 14-Dec-2006

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