5  In general, measures of economic well-being (such as disposable income) that take account of taxes paid and transfer payments received from the government show lower levels of inequality at any point in time than measures that exclude such payments; the difference reflects the progressive nature of our system of taxes and transfers.
Banks, for their part, have proved their mettle and I must add that in the few years since liberalisation, banks in India have proved that they can not only withstand the forces of change but blend the changes gracefully in such a manner as to even provide a challenge to the hitherto existing leaders in the line of business.