Effects of economic crisis on Indian commercial banking industry: An evaluation

We try to evaluate the significance of demand and time liabilities of scheduled commercial banks on total credit at different periods- Nationalization, Post liberalization and Post crisis. During the post nationalization era, both demand and time deposits were significant contributors towards the total advance of commercial banks. During the post liberalization era, only demand deposit was significant. Post crisis period shows that, time deposit is the significant element. During post crisis period, more long term liabilities are being converted into current assets. The process can be termed as maturity shortening. It is a destructing element in meaningful financial intermediation.