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Presented by:- presented to:- RUCHI SHARMA Mrs. ALKA
SWAMI
Contemporary issues in Banking
BANKING SECTOR IN INDIA
MONEY
Definition-Any medium of exchange that has recognized value.
Functions of Money-Primary Function Secondary Function
Money stock in India
Definition –An organization that makes loans and keep customers money for them.
Origin Of Banking- Italy in 1157
Banking In India- Bank Of Hindustan-1770
What is Banking?
Receiving Deposit from the public. Making loans and advances. Creation and destruction of money. Issuing of bank draft , travelers cheque .
Importance of a commercial Bank Capital formation. Implementation of effective Monetary policy. Act as the link between organized & unorganized sector.
•Functions of a commercial Bank
Reserve Bank Of India-Nationalized in 1949
Banking Regulation Act - 1949
Different Stages Of Development Of Indian Banking
Chain Banking Mixed Banking Deposit Banking Group Banking Rural Banking Merchant Banking Industrial Banking Correspondent Bank Saving Banking Unit Banking Agriculture Banking Branch Banking Exchange Banking
Types Of Banking:-
Public sector
S.b.i Nationalized RRBs
Commercial Banking System
Private sector
scheduled
INDIAN BANKS
Foreign Banks
Non-scheduled
It was established in 1935 on the recommendation of the Hilton Young Commission.
It was Nationalised in 1949.
It is the apex Bank in India , with headquarters situated in Mumbai.
RESERVE BANK OF INDIA (R.B.I)
FUNCTIONS OF R.B.I
Issue of currency.
Banker to Government.
Banker’s Bank Mr. D. Subbarao
Custodian of Foreign Exchange Reserve.
Controller of credit.
State Bank Of India State Bank Of Bikaner n Jaipur State Bank Of Indore (merged in 2010) State Bank Of Travancore State Bank Of Patiala State Bank Of Hyderabad State Bank Of Mysore State Bank Of Saurashtra (merged in 08) Mr. O.P.
Bhatt
Chairman
S.B.I
Established in 1963 by an Act of Indian Parliament
In 1982 it came to be known as NABARD
Bank for agriculture and rural development.
Mr. Sarangi
chairman
NABARD
The co-operative banking structure in India is divided into following main 5 categories :
1. Primary Urban Co-op Banks:
2. 2. Primary Agricultural Credit Societies:
3. District Central Co-op Banks:
4, State Co-operative Banks:
5. Land Development Banks:
COOPERATIVE BANKS
IntroductionGrameen Bank (GB) has reversed conventional banking practice by removing the need for collateral and created a banking system based on mutual trust, accountability, participation and creativity. GB provides credit to the poorest of the poor in rural Bangladesh..
History:The origin of Grameen Bank can be traced back to 1976 by Prof. Muhammad Yunus.
Grameen Bank
objectives
Financial sector reforms
Credit risk management
BANKING SECTOR REFORMS
Annual Net Profit Public Sector Banks
Year/Bank 2006 2007 2008 2009 2010
SBI 4,406.67 4,541.31 6,729.12 9,121.23 9,166.05
PNB 1,439.31 1,540.08 2,048.76 3,090.88 3,905.36
BOB 1,050.07 1,026.46 1,435.52 2,227.20 3,058.33
Private Sector BanksYear/Bank 2006 2007 2008 2009 2010
ICICI 2,540.07 3,110.22 4,157.73 3,758.13 4,024.98
HDFC Bank 1,115.94 1,382.54 1,590.18 2,244.94 2,948.70
Axis Bank 485.08 659.03 1,071.03 1,815.36 2,514.53
INDIAN MONETARY POLICY
QUANTITATIVE
BANK RATE
CRRSLR
QUALITATIVE
MARGIN REOUIRME
NT
DIRECT ACTION
ATM ’s
MOBILE BANKING
SMS BANKING
NET BANKING
EASY BANKING
Regional Imbalance
Bad and doubtful debts
Profit ability ratio has not improved much
Lack of expertise.
Short Comings Of Commercial Bank
S.B.I And Associates
Private Banks
Scheduled Urban Co operative Banks
Indian Bank Abroad
Foreign Bank
Loan Companies
LIST OF BANKS IN INDIA
Bank takeovers- ICICI Bank has recently take
Over Rajasthan Bank
Bank Mergers - State Bank of India proposes to merge its five remaining subsidiaries with itself over the next 12-18 months
Budget-2011 Impact - banking licenses to Indian banks to ensure the expansion of banking sector in size and turnover
CURRENT ISSUES IN BANKING SECTOR
S.B.I and BSNL ties up - SBI tied up with Airtel and BSNL to launch mobile money transfer in India.
State Bank of India has tied up with SREI Sahaj, a subsidiary of Srei Infrastructure that operates several broadband enabled Common Service Centers in India, in the states of West Bengal, Bihar, Assam, Uttar Pradesh, Orissa and Tamil Nadu
CURRENT ISSUE IN BANKING SECTOR
Loans
Jobs
Entrepreneurship opportunities
Benefits For M.B.A’S
THANK YOU !!!!
ANY? ? ? ? ? ? ? ? ? ? ? ? QURIES