These changes have posed many a challenges to the banking system and the personnel. The process of globalisation of Indian Economy has created an environment where the financial services system has to be cost effective, customer oriented and technology based. About Handbook of Banking Informationįinancial services sector in our County has witnessed notable transformation over last five decades and concerted efforts have been made by the banking system to grow by building up an extensive branch net-work, penetrating into unbanked areas, mobilising untapped savings, promoting Banking habits and providing credit for rural development, besides diversifying into new areas of business. Skylark’s Handbook of Banking Information by N.