LIC's entry into IDBI Bank, the biggest player among top m-cap gainers in banking, brings hope for investors.

Of this, the maximum 2,568 branches of the SBI were affected due to merger or closure in the last five financial years

The number of property developers falling into bankruptcy has doubled during the past nine months, piling pressure on NBFCs. Potential implosions of these NBFCs could expose banks

Over the last decade, the Rs 152 lakh crore banking industry witnessed four big mergers - two each in the public and private banking space.

Corporate India's interest outgo is growing faster than its operating income. As sectoral issues combine with a slowdown to pull down earnings, servicing debt could become more challenging

NRAI had sent official letters to Swiggy, Zomato, Uber Eats and Food Panda, raising concerns over lack of transparency, deep discounting and abuse of dominant position by the online delivery aggregators

On most relevant parameters, Airtel is doing better in Africa than India. Take subscriber growth, for example. In the past one year until June, the African operations have added 8.5 million subs as compared to a loss of 24.2 million (or 7 per cent subs) in India in the past one year to June

Finance Minister Nirmala Sitharamans Budget is long on promises but short on ideas about fulfilling them

GNPAs of PSBs jumped over two-fold to Rs 8.95 lakh crore in FY18 from Rs 2.79 lakh crore in FY15, according to RBI data, mainly on account of the recognition of stressed assets as a bad loan by the central bank

Contrary to what most market participants had anticipated, the Sensex returned just 51% under PM Narendra Modi's term as compared to UPA-II's 78 per cent and UPA-I's 180 per cent under the then PM Manmohan Singh

The NPA of the public sector bank increased in the last three fiscals, with the bad loans soaring to Rs 3,851 crore in 2017-2018

Public sector banks are shutting down unviable foreign operations, while multiple branches in same cities or nearby places are being rationalised with to achieve efficiency.

Jaitley said that there would be no job losses due to merger of the banks and that the move would create a bigger entity like the State Bank of India (SBI).

Various initiatives by the government have yielded results, with the bad loans of public sector banks declining by over Rs 23,000 crore from a peak of Rs 9.62 lakh crore in March 2018, Financial Services Secretary Rajiv Kumar said.

Till now 12 banks are under the purview of PCA framework. 11 are public sector banks (PSB) and one is a private bank. Seven out of 12 banks have shown improvement after coming under the RBI's PCA list.

Close to a dozen public sector banks are under PCA framework, monitored by RBI with lending restriction till they nurse back to good health.

The RBI always has had its disagreements with the government, mostly in private and rarely in public, when it comes to its autonomy in setting the monetary policy, regulating banks, managing the rupee value in foreign exchange market, and even debt management function.

The lending environment is still challenging. The corporate are still to get into the expansion mode to borrow from banks.