https://www.taxtmi.com/news?id=11545 Operational efficiency in Indian banking has improved markedly-lower operating expense ratios, higher staff productivity and better profitability-driven by technology and structural changes, with Public Sector Banks narrowing gaps with peers. However, allocational efficiency has deteriorated: rural branches, small-value accounts, and credit to agriculture and small industries have declined while deposits and credit concentrated in metros and large borrowers. Regulatory measures (priority sector norms, rural branch mandates, Business Correspondents, Financial Inclusion Plans) and internal reforms (process reengineering, technology, HR and governance changes) are necessary to align operational gains with inclusive allocational outcomes. en-us Fri, 16 Aug 2013 12:25:21 +0530 Fri, 16 Aug 2013 12:27:00 +0530 TaxTMI RSS Generator https://www.taxtmi.com/news?id=11545 Operational efficiency in Indian banking has improved markedly-lower operating expense ratios, higher staff productivity and better profitability-driven by technology and structural changes, with Public Sector Banks narrowing gaps with peers. However, allocational efficiency has deteriorated: rural branches, small-value accounts, and credit to agriculture and small industries have declined while deposits and credit concentrated in metros and large borrowers. Regulatory measures (priority sector norms, rural branch mandates, Business Correspondents, Financial Inclusion Plans) and internal reforms (process reengineering, technology, HR and governance changes) are necessary to align operational gains with inclusive allocational outcomes. News - Fri, 16 Aug 2013 12:25:21 +0530 https://www.taxtmi.com/news?id=11545