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BANKING-SECTORAL STUDY
BY,
MANJULA
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BANK
A bank is a financial institutionthat accepts deposits and channels those deposits intolending activities.
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Types of banks
Commercial bank :Community Banks :Community development banksPostal savings banks :Private banks :
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TYPES OF BANKS
Off shore banks :Savings bank :Building societies andLandesbanks :
Ethical banks :Islamic banks
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TYPES OF BANKS
Investment banks .
M erchant banksUniversal banks ,
Islamic banks .
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STUCTURE OF THE ORGANISEDBANKING SECTOR IN INDIA
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Economic functions
issue o f money , in the f orm o f banknotes andcurrent accounts subject to cheque orpayment at the. repayable on demand , andhence valued at par.netting and settlement o f payments.credit intermediation.
credit quality improvement
maturity transf ormation
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Entry regulation
T he requirements f or the issue o f a bank licencevary between jurisdictions but typically include:M inimum capitalM inimum capital ratio'Fit and Proper' requirements f or the bank'scontrollers , owners , directors , and/or senioro ff icersApproval o f the bank's business plan as beingsu ff iciently prudent and plausible.
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BANKING INDUSTRY IN INDIA
First bank started in 1786.RBI became central bank in 1934.Nationalized in 1969.Liberalization occurred in 1991.
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INDIAN BANKING INDUSTRY
The Indian Banking Industrycan be categorized into1.non-scheduled banks2.scheduled banks.
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BANKING INDUSTRY
The Public Sector Banks (PSBs), which are thebase o f the Banking sector in India account f ormore than 78 per cent o f the total banking
industry assets.
T he Private Sector Banks are making tremendousprogress. T hey are leaders in Internet banking , mobile banking , phone banking , AT M s
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M ajor players in theIndian Banking sector
State Bank Of India.Allahabad Bank.
HDFC.Uco Bank.Punjab National Bank.Bank o f M aharashtra.HSBC Bank.CitibankAxis Bank.
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REVENUES
Gr owth have been mo r e qualitative.
Based on then p r ojections made in the India
Vision 2020 .Total asset of all scheduled comme r cial banksis estimated at Rs.40,90,000 c r o r es(end ma r ch2010).
Expected to g r ow at an annual composite r ateof 13.4%.
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Challenges faced by Banking industryin India
Deregulation: This continuous de r egulationhas made the Banking ma r ket ext r emely competitive with g r eate r autonomy,ope r ational flexibility and decont r olled inte r est r ate and libe r alized no r ms fo r fo r eignexchange.New rules: Banks a r e t r ansfo r ming to
unive r sal banking, adding new channels withluc r ative p r icing and f r eebees to offe r .
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Efficiency : Banks need to access low cost
funds and simultaneously impr ove theefficiency. The banks a r e facing p r icing
p r essu r e, squeeze on sp r ead and have to giveth r ust on r etail assets.
Diffused Customer loyalty: C ustome r s have
become demanding and the loyalties a r ediffused.
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Misaligned mindset:
Competency Gap : Placing the r ight skill at the r ight place will dete r mine success.
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ICICI BANK
India s second largest bank with a pro f it a f terta x o f Rs.41.58 billion.( M arch 31 2008)
ICICI established in the year 1955ICICIBank promoted in 1994.First non- Japanese Asian bank to be listed in
NYSE.
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ICICI BANK
It has 1308 Branches all over IndiaIt has 3950 AT M s all spanning all over India.
It spreads in 18 countries.Awarded best bank in India by Forbes Asia andNDTV pro f it awards 2007
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T HANK YO U
