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•The Economic factors are huge players in banking industry. The repo rate and reverse repo rate determine the
ECONOMIC lending capacity of banks
•The NPA (Non Performing Assets) which create a huge stress on the balance sheet of mainly public sector banks
•The creation of bank accounts for all under the pradhanmantri jandhan yojana is an effort to include people
SOCIAL from the lower sections to have access to banking facility
•The mobile phone connectivity to the last mile has helped in reaching out to the customers who are in very far
TECHNOLOGICAL off locations
•The technology has also facilitated in connectivity on the go without much hassle of paper work
•The environmental factors play a role too .with the shift towards sustainable development banks too are moving
ENVIRONMENTAL in this direction with less use of papers and other resources
•With the huge NPA’s piling up large number of cases are going into NCLT with the solution which and banks have
LEGAL to fight hard to stand there ground and use legal frameworks to achieve it
•The insolvency under the new insolvency act is helping the banks in speedy recovery of bad debt