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Indian Banking Industry: Challenges and Opportunities

Author

Listed:
  • Krishn A. Goyal

    (Bhupal Nobles' P.G. College, India)

  • Vijay Joshi

    (, India)

Abstract

The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers. Key words: Rural Market, Risk Management, Global Banking, Employee and Customer Retention.

Suggested Citation

  • Krishn A. Goyal & Vijay Joshi, 2012. "Indian Banking Industry: Challenges and Opportunities," International Journal of Business Research and Management (IJBRM), Computer Science Journals (CSC Journals), vol. 3(1), pages 18-28, February.
    • Handle: RePEc:aml:intbrm:v:3:y:2012:i:1:p:18-28
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    References listed on IDEAS

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    Full references (including those not matched with items on IDEAS)

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    Cited by:

    1. Dr. Manohar Das Somani & Kaushal Kumar, 2020. "COVID-19 Impact on Banking Sector of India," Journal of Commerce and Trade, Society for Advanced Management Studies, vol. 15(1), pages 9-14, April.
    2. Matteo Cristofaro & Pier Luigi Giardino & Luna Leoni, 2021. "Back to the Future: A Review and Editorial Agenda of the International Journal of Business Research and Management," International Journal of Business Research and Management (IJBRM), Computer Science Journals (CSC Journals), vol. 12(1), pages 16-33, February.
    3. Kushwaha, Gyaneshwar Singh & Agrawal, Shiv Ratan, 2015. "An Indian customer surrounding 7P׳s of service marketing," Journal of Retailing and Consumer Services, Elsevier, vol. 22(C), pages 85-95.
    4. Alam Rehman & Irfan Ullah & Fakhr-e-Alam Afridi & Zain Ullah & Muhammad Zeeshan & Arif Hussain & Haseeb Ur Rahman, 2021. "Adoption of green banking practices and environmental performance in Pakistan: a demonstration of structural equation modelling," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 23(9), pages 13200-13220, September.

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    More about this item

    Keywords

    Indian banking ; Challenges opportunities; rural market; risk exposure;
    All these keywords.

    JEL classification:

    • M0 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - General

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