Innovations in banking : the Indian experience - cost profitability of commercial banking

DOMESTIC FINANCE STUDIES NO.66 INNOVATIONS IN BANKING: THE INDIAN EXPERIENCE COST & PROFITABILITY OF COMMERCIAL BANKING By PAUL MAMPILLY The views presented in this paper are solely those of the author and do not necessarily reflect the official opinions of the World Bank or its affiliates. December 1980 Public and Private Finance Division Development Economics Department Development Policy Staff  ACKNOWJLEOCGEMENT ThN enormous requirement of primary data made me develop serious jouULts. in c-e begQinning, regaraing the very feas4zi- lity of tnis study. Hut I could receive, as I *jent on, un- expecter.ly warm ccoperation and help from large number of banker frienas. They are too many to be listed here by name indivicually. I t.,ank them one and all. Of particular help in data analysis were