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Technical Analysis Of Banks

3127 words - 13 pages

Technical Paper on Differentiated Bank Licences
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|I. Introduction |
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|II. Statutory background- Banking Regulation Act, 1949 ...view middle of the document...

Way forward |
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|I. Introduction |
|Financial sector reforms have been introduced in a calibrated and well-sequenced manner since the early 1990s and have resulted in a competitive, healthy and resilient |
|financial system. There has been financial deepening: the deposits/ GDP ratio rose from 16.4 per cent in 1971-75 to 36.1 per cent in 1989-90 and further to 60 per cent in |
|2004-05. Bank credit to commercial sector increased from 15.6 per cent to 30.3 per cent of GDP in 1989-90 and 48 per cent in 2005-06. |
|The Annual Policy Statement for the year 2007-08 by Governor, Reserve Bank of India at para 185 states that ' with a view to directing the resources of banks to their |
|niche areas and to sustain efficiency in the banking system, a graded approach of licensing may be appropriate which can be equally applicable to both domestic and foreign|
|banks. A technical paper on this subject will be placed on website inviting comments/suggestions from the public' |
|Accordingly, an internal study in RBI covered the background on banking regulation, licensing of banks under Banking Regulation Act, 1949, extant policy relating to bank |
|licensing, both Indian and foreign banks international experience and practice on limited bank licensing. |
|II. Statutory background- Banking Regulation Act, 1949 |
|2.1 Background |
|Prior to the enactment of Banking Regulation Act, 1949 which aims to consolidate the law relating to banking and to provide for the nature of transactions which can be |
|carried on by banks in India, the provisions of law relating to banking companies formed a part of the general law applicable to companies and were contained in Part XA of|
|the Indian Companies Act, 1913. These provisions were first introduced in 1936, and underwent two subsequent modifications, which proved inadequate and difficult to |
|administer. Moreover, it was...

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