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BACKGROUND TO THE INDIAN BANKING " The role of banks in shaping the economic destiny is that of, the brain in a human body. They play a pivotal role in the economic development of a country and form the core of the money market in an advanced country. They provide means and mechanisms of transferring over "resources"-.from those who have an excess of income over expenditure to those who can make use of the same for adding to the volume of productive capital. Their services are an essential requirement. for growth, development, and removal of poverty in a nation.-