This pool could grow rapidly allowing banks significant expansion opportunities in wholesale and retail banking. Also, much of Indians’ physical savings is still locked up in unproductive physical assets – such as houses and gold and banks can help households slowly convert a large part of these into financial assets.
So while banks may be focusing on corporate banking to boost its asset side, it should not miss the opportunities that the liabilities side of business provide and should aggressively protect its turf by gearing up for competition from non-bank financial institutions. II.3  Competition, consolidation and globalisation to re-shape Indian banking  Competition in not a choice before the Indian banking.