CONTENTS:- 1. Introduction; 2. Reforms in Banking Sector; 3. WTO Developments: Managing Transformation by Indian Banking Industry; 4. Banking Environment 2002-03; 5. Efficiency of Scheduled commercial banks in India; 6. Innovations and Business Strategies in Retail Banking; 7. Merger of Banks and Companies and Takeover Code: A Critical Analysis; 8. E-banking and banking sector reforms; 9. Assessment of profit and profitability of banks in India; 10. Foreign capital, banks and economic development; 11. Public sector banks and NPA management; 12. Agricultural Loans, Overdues and theory: Review of past studies; 13. Sources of Agriculture finance and progress of financial institutions: Village Scenario; 14. Pattern of Utilisation of Agricultural Loans; 15. Overdues and default of Agricultural Loans; 16. Functional Analysis of Overdues: Discriminant and Bayesian Analysis; 17. Concluding remarks and policy implications;
Banking sectors reforms have been examined in the light of utilization of agricultural loans and its repayment. Micro-level data were collected form five villages each under irrigated and rain fed ecosystem in Orissa India. This book will be useful to post graduate and research scholars and other professionals having interest in finance. Those students preparing for professional examinations like IES, ICS, MBA, CA, CAIIB, CWA etc., this book will be helpful to them.