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Do foreign banks in India indulge in cream skimming?

Author

Listed:
  • Mandira Sarma

    (Centre for International Trade and Development,Jawaharlal Nehru University)

  • Anjali Prashad

    (Centre for International Trade and Development,Jawaharlal Nehru University)

Abstract

Foreign banks in developing countries are often found to indulge in cream skimming, a lending strategy that targets only wealthy segments of the credit market and exclude small and marginal borrowers from the general pool of borrowers. This paper attempts to investigate whether lending pattern of foreign banks in urban regions of Indian States is indicative of cream skimming. Using credit data on urban regions of 21 States of India for the period 1999-2011, this paper finds empirical evidence of cream skimming by foreign banks in India.

Suggested Citation

  • Mandira Sarma & Anjali Prashad, "undated". "Do foreign banks in India indulge in cream skimming?," Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi Discussion Papers 14-01, Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi, India.
    • Handle: RePEc:ind:citdwp:14-01
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