Financial Intermediation in a Less Developed Economy: The History of the United Bank of India
SAGE Publishing India, Aug 5, 2008 - Business & Economics - 328 pages
Financial Intermediation in a Less Developed Economy: The History of the United Bank of India is an institutional narrative of a bank in a developing economy, a representative case study that brings out the essential two-way relationship between finance and economic development.
The book highlights that to understand financial intermediation, western theoretical models need to be complemented with institutional narratives of banking in developing economies, given the latter`s specific foci. Thus, the authors choose a bank with significant history in a less developed economy and analyze over 50 years of the bank`s balance sheet data. They trace the bank`s growth in terms of the transaction costs in managing risk, return and liquidity. The discourse also includes important case studies of borrowers after nationalization, a thorough analysis of financial intermediary organization and financial structure, reviews of certain banking policies and suggestion of a methodology to understand the financial history of less developed economies.
This book will be of immense interest to policy makers, researchers and students working in the fields of economics of banking, financial history and development economics.
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accounts advances agriculture amalgamation Annual Directors areas Assam assets B. K. Dutt balance sheet bank management Bank of India bank runs bank’s bankers banking system borrowers branch expansion Calcutta capital adequacy capital adequacy ratio cent Comilla Banking Corporation commercial banks Committee companies costs crore default depositors development banking economic development employees ensure farmers Financial Express financial institutions financial intermediary funds growth Head Office implementation important improve incentives income increased Indian banking interest rates investment issue labour lakh lending liquidity liquidity risk loan merger monitoring moral hazard nationalized banks NPAs operations organization organizational planning portfolio priority sector problem productivity profits programme public sector banks ratio regional repayment Report requirements Reserve Bank restructuring risk management role rural savings scheme securitization share significant small-scale social strategy structure transaction Tripura UBI’s United Bank weak banks West Bengal