The assessment of banking reforms in India will be the focus of research and to be able to recognize through case studies certain bank reform impacts toward diversification perspectives of Indian banks. The research will look back on the past reforms of Indian banks and the need to determine how diversification happens in the banking sector for the past twenty years amicably considering India’s banking reforms starting from the year 1990 up to present. Comparative analysis of banking reform diversification indicative years can be the used as one method for research, in four quadrants (1st quadrant – 1990 up to 1995; 2nd quadrant – 1996 up to 2000; 3rd quadrant – 2001 up to 2005 and 4th quadrant – 2006 up to this year, 2010 if feasible) thus, to achieve the latter it would be better to execute and provide comprehensive literature review that accounts to the banking reform in India and the impact of the reform to diversification tenets over the years. Categorical sequencing can be used and the years can be in chronological manner, serving a definite case study assumption and analysis.
The aim of this research is to put in realistic figures on banking reforms in India and recognize certain positive/negative impacts of these reforms placing value to diversification perspectives of Indian banks for the past years. Thus, there will be an ample need to discuss and analyze key determinants of diversification within India’s banking industries for example, failure of geography reach, innovation of services, risk oriented diversification and so on. Thus, when referring to diversification views there can be concepts of banking reform dimensions that took place over the past twenty years upon entrance to innovative market along with innovative services thereunto. For instance, Rumelt (1974) have indicated that, “diversification strategy as firms commitment to diversity per se, together with the strengths, skills or purpose that span this diversity, shown by the way in which business activities are related to one another” (Rumelt 1974, p. 29). There implies that banking sectors do adopt diversification as one growth effectiveness approach in which there places banking services expansion by means of diversification in the Indian market such as an additional presence of new business line along with desirable integrative process for instance, company A will be expanding operations within diverse services that can assume similar curves to recent business environment. For instance, during the year 1990s, Indian banks have been adopted a unique banking structure and a response to competition within the global market as well as diversification movements as a proactive means (Rumelt 1974). For example, through bank reforms, there is positive impact towards diversification such as opening salient doors for certain other banks in order to achieve earnings income fees that goes along with finance based operations and valuation assets.
This research will utilize descriptive inquiry of the banking reforms in India and recognize how it impacts diversified perspectives of such banks in the past twenty years wherein there is detailed case study encounter in such quadrants placements explained in the noted years (1990-2010). Preliminary literature review is also core in this research which initially supports information bases on banking reforms and diversification perspectives along with the presence of diversification in Indian banking industry as being studied and that can be reliably measured for desired implications for the National Bank in India.
Furthermore, this research will discuss imperative banking reforms that can be executed given the fact that Indian banks have inculcated a better sound of its functions even if there is global integration of the banking economy such as among true and financial based terminology with the need to imply flexibility of the banks in order to respond well to the altering conditions as well as ensuring of sustainable compensation of the banks put into succinct direction.
Rumelt, R. P. ‘Strategy, Structure, and Economic Performance.’ Boston, MA: Harvard Business School Harvard Business School, officially named the Harvard Business School: George F. Baker Foundation, and also known as HBS, is one of the graduate schools of Harvard University.
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