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Final Banking[1]
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Final Banking[1]

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  • 1. Presented by – Kunal Kurani PG-06-85 Mythili Venugopal PG-06-88 Ambarish Waghmare PG-06-120 Banking
  • 2. A Bank is Financial Institution Licensed to deal with money & substitutes Accepts deposits & lends money Provides services for profit Supervised by the Central Bank
  • 3. Key Terms
    • Net Interest Income
      • The difference between the revenues on the assets and the cost of servicing the liabilities.
    • Net Interest Margin
      • The difference between interest income and interest expenses, divided by average earning assets.
    • Non Performing Assets
      • Loans on which repayments or interest payments are not being made on time.
  • 4. Key Terms Contd…
    • Cash Reserve Ratio
      • CRR requirement is a bank regulation that sets the minimum reserves each bank must hold with RBI
    • Statutory Liquidity Ratio
      • It is the amount which a bank has to maintain in the form of cash, gold or approved securities. The quantum is specified as some percentage of the total demand and time liabilities of a bank.
    • Capital Adequacy Ratio
      • Ratio which determines the capacity of the bank in terms of meeting the time liabilities and other risk such as credit risk, operational risk, etc.
  • 5. Parameters for evaluation Growth Valuation Size Safety Efficiency Profitability BANKS
  • 6. Parameters
    • Profitability
      • Net Interest Margin
      • Net Profit
    • Efficiency
      • Return on Average Assets
      • Profit Per Employee
    • Safety
      • Net NPA to net Advances
      • Capital Adequacy Ratio
  • 7. Parameters
    • Size
      • Assets
      • Income
    • Valuation
      • PE Multiple
      • Price to Book Value
    • Growth
      • Net Interest Income
      • Net Profit
  • 8. 254584.00 470868.00 Net Interest Income 29.20 times 24.90 times PE Multiple 12.8 % 13.37 % Capital Adequacy Ratio 1.71 % 0.71 % NPA 72.61 % 322.15 % Net Interest Margin 8.50% 9.50% Rate of Interest HDFC Bank ICICI Bank  
  • 9. D F I Commercial Banks N B F C
  • 10. Universal Banking
  • 11. Universal Banking
    • A one stop financial supermarket
    • An institution that includes investment banking, insurance, etc. apart from traditional banking services.
  • 12. Universal Banking Traditional Services Investment Banking Commercial Banking Financial Products
  • 13. Why Universal banking…..???
    • Maximisation of profits
    • Sustain the growing competition from global players
    • Retaining customers
  • 14. Merits
    • Economies of scale & scope
    • Lower risk of substitution
    • Industrial development
    • Globalisation
  • 15. Limitations
    • Complex supervision
    • Holding large block of stocks – influence national interest
  • 16. ICICI ICICI Bank Subsidiary Long Term financing as per sectoral needs Short Term financing fulfilling Working Capital needs Narasimham Committee II ICICI ICICI Bank
  • 17. ICICI BANK Personal Banking NRI Banking Corporate Banking Cards / Loans Insurance Demat Services Investments Money Transfer Investments Property Solutions Cash Management Trade Services Corporate Net banking
  • 18. Happy Holi...