| dc.description | The importance of banking is increasing as India's development accelerates. Most of the banks of India being public sector entailing manifold social objectives as primary concern, profitability remains an important yardstick. In the constrained resource position in which India finds herself today, it is imperative that Public sector bodies finance their growth internally and if possible, contribute to the exchequer instead of proving a drain on it's finances. Profitability as a function of many things among which are interest spread, liquidity, customer composition and the whole loans-advances-deposits port folio, etc, customer composition is important because in any credit there is a certain amount of risk involved. | en_US |
