Banking India

Accepting deposits for the purpose of lending

This book, based on published data and the author’s 36 years of operational experience working for a commercial bank, the central bank and the government, attempts to find solutions to such problems and a direction for the future of Indian banking. The author’s unique professional career is complemented by his ability to recall lessons learned while working at various administrative levels and in diverse locations both in India and abroad, which has allowed him to write this one-of-a-kind book.

Divided into three sections, the book explores the legacy of Indian banking, the changes it has undergone and its processes, as well as discussing existing uncertainties, non-existent competition and significant legislation that shapes banking in India today. It also offers an analysis of India’s top ten banks in terms of assets, along with two case studies which provide the insight necessary to design a future model for Indian banking.

The Author

Indian economy is booming while Indian banking is not shining. Reorganization of banking is imminent. For those from India and abroad who wish to partake in the change by thought, word or deed, this lucid summary of author Harihara Krishnan’s 36 years experience in commercial, central banking and bureaucracy will find enlightening.

Harihara Krishnan is a First Class commerce graduate from the University of Kerala (India). His career in banking commenced in 1982 as a probationary officer at a very young age of 23 and the succeeding years took him to offices in North Eastern states of India, Mumbai, Chennai, London and many others.