@incollection{:/content/books/9789210555036c008, author = "Subhash C. Ray", title = "Impact of liberalization and globalization on productivity in Indian banking: A comparative analysis of public sector, private, and foreign banks", booktitle = "Twenty Years of India's Liberalisation", publisher = "United Nations", year = "2012", pages = "65-80", url = "https://www.un-ilibrary.org/content/books/9789210555036c008" }