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    <title>Fm: For Some Years, Banks Are Facing Challenging Time But No Cause Of Panic;</title>
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    <description>Public sector bank revamp implements leadership separation with MD &amp; CEO and non executive Chairs, creates the Bank Board Bureau for appointments and strategic oversight, commits tiered government capital allocation supplemented by market raising, and imposes an accountability regime linking executive incentives to a quantified KPI framework covering capital efficiency, business diversification, NPA management and financial inclusion, alongside measures to de stress projects, strengthen risk controls and improve recovery and disclosure mechanisms.</description>
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