banking system

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banking system

  1. 1. Presented by:- presented to:- RUCHI SHARMA Mrs. ALKA SWAMI
  2. 2. Definition-Any medium of exchange that has recognized value. Functions of Money-Primary Function Secondary Function Money stock in India
  3. 3. 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
  4. 4.  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.
  5. 5.  Reserve Bank Of India-Nationalized in 1949  Banking Regulation Act - 1949
  6. 6.  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
  7. 7. Public sector S.b.i Nationali zed RRBs Private sector scheduled INDIAN BANKS Foreign Banks Non- scheduled
  8. 8.  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.
  9. 9.  Issue of currency.  Banker to Government.  Banker’s Bank Mr. D. Subbarao  Custodian of Foreign Exchange Reserve.  Controller of credit.
  10. 10.  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
  11. 11. 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
  12. 12.  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:
  13. 13.  Introduction Grameen 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.
  14. 14. objectives
  15. 15.  Financial sector reforms  Credit risk management
  16. 16. 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 Banks Year/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
  17. 17. QUANTITATIV E BANK RATE CRR SLR QUALITATIVE MARGIN REOUIRME NT DIRECT ACTION
  18. 18.  ATM ’s  MOBILE BANKING  SMS BANKING  NET BANKING
  19. 19.  Regional Imbalance  Bad and doubtful debts  Profit ability ratio has not improved much  Lack of expertise.
  20. 20.  S.B.I And Associates  Private Banks  Scheduled Urban Co operative Banks  Indian Bank Abroad  Foreign Bank  Loan Companies
  21. 21. 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
  22. 22.  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
  23. 23.  Loans  Jobs  Entrepreneurship opportunities
  24. 24. ANY ? ? ? ? ? ? ? ? ? ? ? ? QURIES

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