A short and simple analysis on Banking Industry of India

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BANKING INDUSTRY
C H I N M A Y D A L V I
S A K I N A M A S A L A W A L A
S W E E T Y V O R A
Z A I N A B T H A N G E
PRESENTED BY:

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INTRODUCTION
 India’s banking sector is sufficiently capitalized and well-regulated.
 Banking sector acts as the backbone of modern business.
 Bank is an institution which deals in money and credit.
 The financial and economic conditions
 The digital payments system
 Banking towards customer
 1950-1960 - Serving the customer
 1960-1980 - Satisfying the customer
 1980-1990 - Pleasing the Customer
 1990-2000 - Delighting the customer
 2000 and beyond - Retaining the customer
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Background of Banking Industry
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Banking in India in the modern sense originated in the last decades of
the 18TH century.
The three presidency banks
Reserve Bank of India was established in 1935

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Market Structure
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Major Players

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Contribution to the Indian Economy
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5th largest banking industry globally by 2020.
The banking industry holds pride in contributing nearly 7.7% to the national
GDP.
They are significant credit generators for the economy in 2 interesting ways.
Banks also generate revenue for the economy in other ways.

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COVID-19 and its impact on Banking Sector
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Customer Service and Advice
Credit Management
Revenue Compression:
Operating Model Adjustments, Cost Elasticity and Innovation

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Emerging trends in banking industry
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Fintech Companies
Blockchain Integration
Cyber Security
Robotic Process Automation

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SWOT analysis
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Strength
The Pillar of Financial Stability
Provider of Financial Instruments
Weakness
High Levels of NPAs
Can’t reach to Under-penetrated
market:
Opportunity
Technological Advancements
Rural Expansion Opportunities
Threat
Lack of Proper Cyber Security
Global Economic Instability

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Government Regulations
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Nationalization of Banks
New Capital Adequacy Framework (NCAF)
Ownership of Banks
Branches and Subsidiary by foreign banks
New Banks
Small finance Banks
External commercial Borrowings

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Banking industry Challenges
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Threat of BigTech
Cultural shift
Rising Expectations
Customer Retention

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BASEL III
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Overview
How BASEL III works
Basel III and Banks
Basel III and investors
Basel III and sock Market
Conclusion

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THANK YOU