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RBI Governor suggests reducing government, regulatory oversight of PSBs

17 Aug 2016 Evaluate

Reserve Bank India’s (RBI) outgoing governor Raghuram Rajan has suggested empowering public sector banks (PSBs) boards to take all major governance decisions freely without having multiple constituencies to satisfy, in order to phase out the government’s role in top-level appointments at PSB. The Governor also proposed withdrawing the central bank nominees from their boards.

A variety of authorities like Parliament, the Department of Financial Services, the Bank Board Bureau, the board of the bank, the vigilance authorities and various regulators and supervisors including the RBI monitor the performance of the PSBs. On temporary bases till the bank boards are professionalised, Governor favored the mandate for this to be vested with the fledgling Bank Board Bureau (BBB) so that it can help improve the governance and management structures at the PSBs by allowing it to fully handle the appointments.

Governor also said with so many overlapping constituencies to satisfy, it is a wonder that bank management has time to devote to the management of the bank. He stressed on the need to streamline and reduce the overlaps between the jurisdictions of the authorities, while specifying 'clear triggers or situations' where one authority's oversight is invoked. He said agencies like, CAG and CVC, should get involved only in extraordinary situations where there is evidence of malfeasance and not when legitimate business judgment has gone wrong. He further said though the most pressing task for public sector banks is to clean up their balance sheets, a process which is well underway, a parallel task is to improve their governance and management.

For the Finance Ministry's Department of Financial Services, the nodal department for banking sector, Rajan favored programme-specific roles (such as for Jan Dhan scheme) as also coordinating and developmental roles. On RBI, he said, it would perform a purely regulatory role and withdraw its representatives on bank boards, while adding this will require legislative change. Over time, RBI should also empower boards more, for instance, offering broad guidelines on compensation to boards but not requiring every top compensation package be approved.

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RBI Governor suggests reducing government, regulatory oversight of PSBs

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