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    <title>Indian Banking at Crossroads: Some Reflections (Shri Shaktikanta Das, Governor, Reserve Bank of India - Saturday, November 16, 2019 - Delivered at the First Annual Economics Conference, Amrut Mody School of Management, Ahmedabad University)</title>
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    <description>Public-sector banks face elevated non-performing assets from concentrated exposures, economic slowdown, regulatory delays and governance failures; the Insolvency and Bankruptcy Code and RBI time bound resolution frameworks, together with recapitalisation and bank amalgamations, are central to restoring asset quality and creating stronger, more competitive banks while supervisory and governance reforms aim to strengthen risk management across banks, NBFCs and urban co-operative banks.</description>
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