{"product_id":"india-banking-and-finance-report-2024","title":"India Banking and Finance Report 2024","description":"\u003cdiv\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cmeta charset=\"utf-8\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cmeta charset=\"utf-8\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eAbout the Book\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cp\u003e\u003cem\u003eThe India Banking and Finance Report (IBFR) 2024\u003c\/em\u003e\u003cspan\u003e \u003c\/span\u003eis a compendium of articles on the Indian and global financial landscape. The report covers a wide spectrum of topics, across sixteen chapters: from latest macro-financial developments to ECL provisioning, ESG to Digitalization of Trade and regulatory contours after Silicon Valley Bank meltdown to credit guarantees for MSMEs. The discussion, in each chapter, is buttressed with theoretical and empirical analysis. However, like the earlier editions, the style remains lucid. The report presents the challenges and opportunities in an integrated and volatile world of banking and finance, the need for appropriate reforms and regulations, and the key lessons for the future. \u003cmeta charset=\"utf-8\"\u003e \u003cmeta charset=\"utf-8\"\u003e \u003cmeta charset=\"utf-8\"\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003ePraise for this book\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003eIBFR has become the flagship annual publication of NIBM Pune eagerly awaited by the practitioners, experts, regulators and students of financial services and insurance sector. IBFR 2024 has sixteen essays contributed primarily by the faculty and alumni of NIBM in collaboration with outside experts wherever required covering aspects like macroeconomy and financial markets, risk management, information technology and issues in HR and strategy… All the sixteen essays have not only maintained the high academic standards already set by the previous reports but also improved the quality and rigour of analysis. It is a welcome and timely addition to the growing literature on the subject.\u003cbr\u003e\u003cstrong\u003eRavindra H. Dholakia\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003eMember of Central Board of RBI; former Member of Monetary Policy Committee, RBI and Professor, IIM Ahmedabad.\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003eIBFR 2024 is a valuable compendium of articles on topical issues in banking and finance. Its focus on the latest developments and challenges in financial markets, risk management, digitalization, HR and strategy is commen-dable. It will be of immense benefit to academicians, practitioners and policymakers, in India and abroad.  \u003cbr\u003e\u003cstrong\u003eBhimaraya Metri\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003eDirector, IIM Nagpur\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003eThe 2024 edition of IBFR is indeed a real treasure in the realms of BFSI Research, Policy and Practice. It’s loaded with insightful, analytical and sometimes intriguing posers to readers on a diverse range of topical issues—macro-economy to financial sector, including insurance space and the new normal in risk management to digital disruption. Latest development, such as, application of ECL mechanism and ESG framework also find a place in eruditely scripted features. Another redeeming feature of such a priceless publication relates to finer nuances of governance, well manifested in the papers on penal action by supervisors, learning from global bank failure and deft analysis of somewhat off-beat embedded finance options... All in all, IBFR is truly readers’ privilege and BFSI’s pride!\u003cbr\u003e\u003cstrong\u003eAtanu Kumar Das\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003eDirector, Institute of Insurance and Risk Management (IIRM), Hyderabad; former Managing Director and CEO, Bank of India\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003eI am pleased to see that NIBM has come out with its Annual Banking and Finance Report 2024. The issue carries well researched articles by the faculty... and the scholarship is quite evident. I am sure that the banking fraternity would immensely benefit from these well-articulated research papers. … I am particularly happy that the rich volume carries applied research papers on the emerging and critical issues like ESG, Dynamics of ECL, and Emerging Regulatory Issues… I strongly recommend it to be read by practitioners, policy makers and students.  \u003cbr\u003e\u003cstrong\u003eJustin C. McCarthy\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003eChief Executive Officer, PRMIA (Professional Risk Managers’ International Association)\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003eThe India Banking and Financial Report 2024 covers a range of issues—from macro economy to performance of the credit guarantee schemes for MSMEs, cross border liquidity, risk management and HR that are of current interest in BFSI sector. Besides this, the Report also is rich with information and data that are analysed and reviewed by three-layered expertise—the authors’ own insight, topped by expert reviews and a round table of another set of experts. The suggestions made after such rigorous analysis make the Report a must-read for all the stakeholders in the financial sector—policymakers and practitioners as well as academicians and students.\u003cbr\u003e\u003cstrong\u003eAlpana Killawala\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003eAuthor and Adviser, Strategic Communi-cation; former Principal Adviser, Communication, RBI\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cem\u003e\u003c\/em\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003ch2\u003e\n\u003cem\u003e\u003c\/em\u003e\u003cbr\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eAbout the Author(s) \/ Editor(s)\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cstrong\u003ePartha Ray\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis the Director of NIBM. His research interests lie in global macroeconomic issues and monetary and financial sector policies and institutions. \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cbr\u003e\u003cstrong\u003eArindam Bandyopadhyay\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Professor and Dean (Academic Programme) at NIBM. His areas of interest are risk management, Basel regulations, applied corporate finance and quantitative techniques.\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eSanjay Basu\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Professor and Editor of the NIBM flagship journal\u003cspan\u003e \u003c\/span\u003e\u003cem\u003ePrajnan\u003c\/em\u003e. His areas of interest are Bond Portfolio Management, Market Risk Management, Asset-Liability Management, Financial Crises, Applied Game Theory and Contract Theory.\u003c\/div\u003e\n\u003cdiv\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003ch2 class=\"d_normalheder\"\u003e\u003cspan\u003eContributors\u003c\/span\u003e\u003c\/h2\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eAlka Vaidya\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. Her areas of interest are Data Analytics, Digital Payments, Cyber Security and Applications of Blockchain in Banking.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eAnjan Roy\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Professor and Dean (Research and Consultancy) at NIBM. His areas of interest are Strategic Planning and Management and Banking Operations.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eAnjani Kumar\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eSrivastava is General Manager and Regional-in-Charge, Pune Region, SIDBI.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eB Ashok\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis former Adjunct Faculty at NIBM. He also worked with Central Bank of India as General Manager, HR. He has held board level positions in Banks and Financial Institutions. His areas of interest are Human Resources Management and Leadership.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eDeepankar Roy\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. His research interests are in the domain of Digital Transformation, Digital Financial Services, FinTech and ICT Management.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eDipali Krishnakumar\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. Her areas of interest are Earnings Manipulation, Ind AS\/IFRS, and Mergers and Acquisitions. \u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eDisha Patwa\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis an alumna of NIBM (PGDM 2022 – 24 batch). \u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eElizabeth James\u003cspan\u003e \u003c\/span\u003e\u003c\/strong\u003eis Assistant Professor at NIBM. Her areas of interest are Corporate Finance, Corporate, MSME and Retail Credit Management and Financial Planning and Wealth Management.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eGargi Sanati\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. Her research interest includes international finance, credit risk and market risk analysis, financial forecasting and interbank dealing.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eHimadri Sikhar Pramanik\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis a Senior Consultant with Tata Consultancy Services.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eJiji Mathew\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Assistant Professor at NIBM. His areas of interest are Macroeconomics of Money, Banking and Financial Markets, Monetary Policy, Central Banking, International Finance.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eKaushik Mukerjee\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Professor and Dean (Training) at NIBM. His research interests are in the areas of corporate governance, strategic leadership, corporate and strategic marketing.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eKedar nath Mukherjee\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. His areas of interest are Financial Derivatives, Market Risk and Fixed Income Markets.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eM Manickaraj\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor and Editor, Vinimaya, at NIBM. His specialization is in the fields of equity markets, financing MSMEs and carbon finance.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eRajesh Ramakrishnan\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis an Adjunct Faculty at NIBM. He is a Chartered Accountant with specialization in Audit, Compliance and Trade Finance.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eRicha Verma Bajaj\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. She has teaching, research and consulting experience of fifteen years in the area of Risk Management.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eShomi Srivastava\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. His areas of specialization are Leadership, Human Resource Management, Discipline Management, Preventive Vigilance, Change Management and Organizational Development.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eShruti Nagar\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Assistant Professor, National Insurance Academy, Pune.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eShyam Vansing Rathod\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis an alumnus of NIBM (PGDM 2022 – 24 batch).\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eSmita Roy Trivedi\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. Her research interests lie in international economics, central banking, foreign exchange market, macro prudential measures and technical analysis for markets.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eTarun Agarwal\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Ex-Director, National Insurance Academy, Pune.\u003cbr\u003e \u003c\/div\u003e\n\u003cdiv\u003e\n\u003cstrong\u003eTasneem Chherawala\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis Associate Professor at NIBM. Her domain expertise is in the areas of risk modelling and management, Basel, IFRS, financial derivatives, project finance and structured finance, in which she conducts executive trainings and PGDM courses.\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbr\u003e\n\u003ch2 class=\"glossymenu\"\u003eContents in Detail\u003c\/h2\u003e\n\u003cdiv class=\"glossymenu\"\u003e\n\u003cdiv class=\"submenu\"\u003e\n\u003cdiv\u003e\u003cem\u003eList of Tables and Figures\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003eList of Abbreviations\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cem\u003e\u003cspan\u003ePreface\u003c\/span\u003e\u003c\/em\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003eI. Macroeconomy and Markets\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e1.\u003cspan\u003e \u003c\/span\u003eMacro-Financial Perspectives on Indian Economy\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eSanjay Basu | Tasneem Chherawala | \u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eJiji Mathew | Kedar nath Mukherjee | Smita Roy Trivedi  \u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e2.\u003cspan\u003e \u003c\/span\u003eImpact of Recent Developments on Debt Markets in India\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eKedar nath Mukherjee\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e3.\u003cspan\u003e \u003c\/span\u003eRetail Lending: Linkages, Interconnectedness, and Challenges\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eElizabeth James\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e4.\u003cspan\u003e \u003c\/span\u003eCredit Guarantee for MSMEs: Trends and Prospects\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eM. Manickaraj | Anjani Kumar Srivastava\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e5.\u003cspan\u003e \u003c\/span\u003eCross-border Liquidity Exposure of the Indian \u003c\/div\u003e\n\u003cdiv\u003eForex Swap Market: Is Decoupling Feasible?\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eGargi Sanati \u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e6.\u003cspan\u003e \u003c\/span\u003eAugmentation of Insurance Business in India: Role of Commercial Banks\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eShruti Nagar | M. Manickaraj | Tarun Agarwal\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003eII. Risk Management in the Financial Sector\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e7.\u003cspan\u003e \u003c\/span\u003eOperational Risk: The Impact of ESG\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eRicha Verma Bajaj\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e8.\u003cspan\u003e \u003c\/span\u003eDynamics of Expected Credit Loss Provisioning by NBFCs\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eTasneem Chherawala | Dipali Krishnakumar\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e9.\u003cspan\u003e \u003c\/span\u003eEmerging Regulatory Contours after the Collapse of Silicon Valley Bank\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eDisha Patwa | Shyam Vansing Rathod | Sanjay Basu\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e10.\u003cspan\u003e \u003c\/span\u003eRole of Deposit Insurance in Indian Banking: \u003c\/div\u003e\n\u003cdiv\u003eCurrent Status and the Way Ahead\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003ePartha Ray \u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e11.\u003cspan\u003e \u003c\/span\u003eMonetary Penalties on Banks: Perspectives Towards Evolving a Scale-Based Approach\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eAnjan Roy\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003eIII. Technology and Digitalization in Banking\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e12.\u003cspan\u003e \u003c\/span\u003eDigital Lending in India : Opportunities and Challenges\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eAlka Vaidya \u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e13.\u003cspan\u003e \u003c\/span\u003eDigitalization of Trade: Challenges for Banks in India\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eRajesh Ramakrishnan | Smita Roy Trivedi\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e14.\u003cspan\u003e \u003c\/span\u003eGlobal Emergence of Open Banking and \u003c\/div\u003e\n\u003cdiv\u003eEmbedded Finance: Explorations for India\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eDeepankar Roy | Himadri Sikhar Pramanik\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003eIV. Strategy and HR\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e15.\u003cspan\u003e \u003c\/span\u003eCustomer Centricity, Digitalization, and Bank Performance\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eArindam Bandyopadhyay | Kaushik Mukerjee\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003cdiv\u003e \u003c\/div\u003e\n\u003cdiv\u003e16.\u003cspan\u003e \u003c\/span\u003eAddressing the Performance Binary: \u003c\/div\u003e\n\u003cdiv\u003eContinuous Feedback and New Ways of Working\u003c\/div\u003e\n\u003cdiv\u003e\u003cstrong\u003e\u003cspan\u003eB. Ashok | Shomi Srivastava\u003c\/span\u003e\u003c\/strong\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbr\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003ctable width=\"100%\" style=\"width: 100%; height: 78.3752px;\"\u003e\n\u003ctbody\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003ePublisher\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003eAF Press\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003ePublication Date\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003eNumber of Pages\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e246\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr style=\"height: 19.5938px;\"\u003e\n\u003ctd style=\"width: 51.6006%; height: 19.5938px;\"\u003eISBN\u003c\/td\u003e\n\u003ctd style=\"width: 47.9553%; height: 19.5938px;\"\u003e\n\u003cmeta charset=\"utf-8\"\u003e9789332706552\u003cbr\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e","brand":"Partha Ray (Ed.)‚ Arindam Bandyopadhyay (Ed.)‚ Sanjaya Baru (Ed.)","offers":[{"title":"Paperback \/ ENG- English \/ Banking","offer_id":50657677377857,"sku":null,"price":2595.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/9067\/5009\/files\/India-Banking-and-Finance-Report-2024-_front.png?v=1756986862","url":"https:\/\/www.academicfoundation.com\/products\/india-banking-and-finance-report-2024","provider":"Academic Foundation | AF Press","version":"1.0","type":"link"}