What compounds the matter further is the fact that Indian banks have to operate in an increasingly globalised environment, because of which there will be many factors – regulatory, technological, cross-border financial flows impacting them over which they may not have any control. In particular, i.
Will the banks be able to mobilise required amount of capital from the market for meeting their current and future business growth and prudential requirements? ii. Will banks be able to understand the varied and dynamic requirements of its diverse set of clientele and devise customised products? iii. Will banks be able to do so in a cost effective manner? iv.