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The PSBs still dominate the sector with 75% of the market share of business and profits. The new private sector banks with their technology driven business model are fast catching up with the PSBs. The last two years has seen banks book windfall gains in treasury profits. With the interest rates hardening up, banks need to focus on core profit growth. The retailisation of the banks?¦ balance sheet has seen banks improve their asset mix with
home loans, auto loans and personal loans.
Banking Scenario
The year 2006-07 witnessed orderly trends in the financial market, although there was tightening of liquidity towards the third quarter of the year...
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