Corporate Governance in Indian Bank

Registration ID: IJNRD_308665

Published ID: IJNRD2507281

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Aditi Sonal

Corporate governance, Indian banking sector, RBI, SEBI, regulatory standards

During the last decade, there have been major ups and downs in the Indian financial sector, especially in the Banking sector. According to the official statistics by the RBI, the ratios of gross and net non-performing assets (NPA) as a percentage of total advances have risen significantly from 2.3 per cent and 1.1 per cent, respectively, in 2007-08 to 9.1 per cent and 3.7 per cent in 2018-19 (RBI, 2019a). Additionally, the banking industry reported a total of 6,801 frauds in 2018-19, valued at INR 715.43 billion (RBI, 2019a). Of these, 53 per cent of these frauds (i.e., 3,606 frauds) are predominantly related to credit lending. In publicly available sources, insider involvement and management “dishonesty” or failure to conduct effective internal and statutory audits, the breach of regulatory guidelines, or the senior management’s failure to implement an effective governance strategy are hinted at as possibilities for these frauds. Therefore, it has served as an alarming bell to policy analysts and academic researchers, prompting them to re-examine the existing governance standards and identify the impact of governance and efficiency on Indian banking soundness. Thus, there is a demand for stronger corporate governance as a result of the requirement for increased transparency toward business stakeholders. As a result of corporate failures and widespread discontent with the way many banks operated, which hurt the Indian economy, the need for better corporate governance emerged. The fundamental ideas of corporate governance place a great emphasis on management's total openness, integrity, and responsibility. Public orientation and investor interests are both growing in significance. In summary, the ideals, outlook, and visibility of corporate governance are problematic. It all comes down to the company's value orientation, ethical performance standards, organisational growth, social achievements, and the leadership's visibility. Practice and presentation The banking sector is primarily responsible for allocating financial resources to all other sectors of an economy; hence, this paper focuses on the corporate governance issues facing the Indian banking sector. The topic has received media attention recently due to high-profile corporate governance failures in industrialised nations. In this research study, we examined corporate governance issues in light of the Basel and Birla committee's recommendations, and we also discussed the need and specifications for effective corporate governance in the Indian banking sector.

Published Paper   E-Certificate

Aditi Sonal (July-2025). Corporate Governance in Indian Bank. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 10(7), c655-c667. https://ijnrd.org/papers/IJNRD2507281.pdf

Volume 10 Issue 7, July-2025

Pages : c655-c667

Paper Reg. ID: IJNRD_308665

Published Paper Id: IJNRD2507281

Research Area: Commerce and Management, MBA All Branch

Author Type: Indian Author

Country: Bangalore , Karnataka , India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2507281.pdf

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