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autonomy bank credit bank nationalisation Bank of India bankers banking activities banking industry Banking Sector Reforms Bareilly borrowers capital adequacy capital market cent changes companies competition credit rating credit rating agencies crores debt deposits e-banking efficiency financial markets financial sector reforms foreign banks functioning funds global government securities implementation improvement income increased Indian banking Indian banking system Indian economy interest rates investment investors issues labour households lakhs lending liberalisation loans merchant banking mobilisation Mumbai NABARD Narasimham Committee nationalisation of banks nationalised banks non-performing assets NPAs operating organisational period portfolio priority sector private banks private sector banks productivity profitability prudential norms PSBs public sector banks rate of interest rating agencies ratio recommendations recovery Regional Rural Banks regulated Report Reserve Bank role RRBs rural areas rural credit rural financial institutions SBI group Scheduled Commercial Banks structure total assets variables