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Indian Banking Industry Overview - 2013
 

Indian Banking Industry Overview - 2013

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This presentation gives an overall view of the banking industry in India, right from the history to the latest rules and regulations.

This presentation gives an overall view of the banking industry in India, right from the history to the latest rules and regulations.

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    Indian Banking Industry Overview - 2013 Indian Banking Industry Overview - 2013 Presentation Transcript

    • BANKING INDUSTRY IN INDIA
    • Introduction: Evolution of Indian banking industry Post independence Pre - independence The 21st Century banking
    • 1 • 1870 - Bank of Hindustan 2 • 1934 - RBI Act 3 • 1949 - Banking Regulations Act 4 • 1955 - Formation of SBI 5 • 1969 - Nationalisation of 20 banks 6 • 1980 - Nationalisation of 6 banks 7 • 1993 - Liberalization and entry of private sector 8 • 1995 - 2000 - Electronic funds transfer
    • Indian Banking –The engine for sustaining India’s growth agenda
    • Public sector banks Private sector banks RBI Foreign banks Co-operative banks
    • ICICI Bank Top five Private Sector Banks HDFC Bank Axis Bank Yes Bank Kotak Mahindra bank
    • SBI Punjab National Bank Top five Public Sector Banks Bank of Baroda IDBI Bank Syndicate Bank
    • Financial products of banks
    • Market Capitalisation
    • Who regulates the financial sector in India?
    • Banking Amendment bill,2012
    • Changing Industry Dynamics by new rules
    • Impact of Changing repo rate by RBI
    • Growth drivers of Indian banking industry
    • Pest Analysis of banking industry
    • Porter’s five forces model:
    • Factors that affect the profitability • • • • • • • • • • • Non Performing Assets(NPA) Net Interest Margin (NIM) Business & Profit per employee Cost per transaction Utilization of technology and human resources Base rate, MSF, repo rate, CRR and SLR Basel norms – II and III Operational cost Customer Acquisition Allied banking services Revenues from fees and commission.
    • Opportunities in banking  Mortgages to cross Rs.40 Lakh crores by 2020.  Wealth Management to be a big business.  Rapid growth of branches and ATM.  Mobile banking to see huge growth.  Infrastructure financing to reach over Rs.20 trillion on commercial banks book by 2020.  New Models to serve the Small & Medium Enterprises (SME)
    • • In 2011-12, the industry faced major concerns in regards to deteriorating asset quality, with gross non-performing assets (NPAs) of banks registering a sharp increase in different sectors such as aviation, infrastructure and power. • The present rates: Bank rate – 8.75% CRR – 4% SLR – 3% Repo rate – 7.75% Reverse Repo rate – 6.75%
    • M&A in banking industry Private Sector Banks Merged with other banks 1. Global Trust Bank (merged with Oriental Bank of Commerce - 14th August 2004) 2. Bank of Punjab (merged with Centurian Bank, which was later on merged with HDFC Bank) 3. Centurion Bank (merged with HDFC Bank) 4. The Nedungadi Bank (merged with PNB) 5. The Bank Of Rajasthan (merged with ICICI in 2010) 6. Bharat Overseas Bank (Merged with Indian Overseas Bank) 7. Lord Krishna Bank (Merged with Centurion Bank of Punjab, which was merged with HDFC Bank) 8. The Sangli Bank (merged with ICICI Bank in 2006) 9. The Ganesh Bank of Kurundwad (merged with Federal Bank)
    • Conclusion: “Banking beyond banking”
    • Key challenges to banking industry
    • References:  www.rbi.org.in  www.ibef.in  http://www.dnb.co.in/News_Press.asp?pid=117 9  http://en.wikipedia.org/wiki/File:Scheduled_ba nking_structure_in_India.png  http://www.infosys.com/finacle/solutions/thou ght-papers/Documents/banking-in-Indiaevolution-in-technology.pdf  http://www.kpmg.com/IN/en/IssuesAndInsights /ArticlesPublications/Documents/KPMG_ICC_In dian_Banking_The_engine_for_sustaining_India s_growth_agenda.pdf
    • A presentation by Valliappan.P (128939) Satya Sharon.V (128959) THANK YOU