Indian Overseas Bank: Revival Plan
Case Code: BSTR502
Case Length: 16 Pages
Pub Date: 2016
Teaching Note: Available
Organization: Indian Overseas Bank
Abstract Case Intro 1 Case Intro 2 Excerpts
Backdrop: The Story of Indian Public Sector Banks
Until the early 1990s, public sector banking in India was characterized by sluggishness and bureaucracy with high structural inertia. But with the competitive environment triggered by the reforms of the 1990s, the Public Sector Banks (PSBs) started acclimatizing themselves to the dynamics of the new environment. The PSBs had one inherent strength – their share of deposits and advances in the Indian economy. They had a share as high as 80% of the total deposits and advances, which gave them an absolute advantage over private incumbents.
Previously known for their slowness in adopting technology, PSBs began to adopt technology faster to make themselves more attractive in the CASA (Current and Savings Account) segment. The banks known for their pioneering schemes for the agriculture and small scale sector, started pruning themselves to meet international norms. After the reforms of the 1990s, the public sector banks had access to capital markets for the first time.....
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