Recent trends and progress of Indian banking industry

For the last five financial years, the study of balance sheet operations, profitability, capital adequacy, quality of property, regional deployment of bank loans, technical development, customer services and financial inclusion has been studied for Indian banking industry. It has been concluded that the emergence of universal or semi-universal banks in the development of banking sector in India is important, and therefore risk management and development of the appropriate regulatory system are the main challenge facing the banking industry in the near future.

Keywords: Profitability, Capital adequacy, Asset quality.