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Universal banking
- 1. UNIVERSAL BANKING A new way to engage with customers from across the globe.
- 2. NAME OR LOGO Universal banking is a system in which banks provide a wide variety of comprehensive financial services, including those tailored to retail, commercial, and investment services. 2 UNIVERSAL BANKING A universal bank involves in both commercial and investing activities as well as provides financial services such as insurance.
- 3. NAME OR LOGO SAVINGS ACCOUNT SAVINGS ACCOUNT OVERDRAFT OVERDRAFT LOANS LOANS CREDIT &DEBIT CARDS CREDIT &DEBIT CARDS SAFE DEPOSIT SAFE DEPOSIT ASSET MANAGEMENT ASSET MANAGEMENT SECURITIES TRADING SECURITIES TRADING RAISING CAPITAL RAISING CAPITAL SECURITIES UNDERWRITING SECURITIES UNDERWRITING M&A M&A BORROWING BORROWING LENDING LENDING GIANT COMPANIES GIANT COMPANIES PENSION FUNDS PENSION FUNDS GOVERNMENT AGENCIES GOVERNMENT AGENCIES UNIVERSAL BANKING CONSISTS OF :- RETAIL BANKING 3 INVESTMENT BANKING WHOLESALE BANKING
- 4. NAME OR LOGO SERVICES DEPOSITS LOANS CREDIT INVESTMENT ADVISORY SECURITIES TRANSACTION 4 Universal banks may offer credit, loans, deposits, asset management, investment advisory, payment processing, securities transactions, underwriting, and financial analysis. A system of universal banking does not put a compulsion on the participating banks to provide all of the mention above services; rather, it allows them to choose and offer a wide range of services.
- 5. NAME OR LOGO WHAT BENEFITS DOES IT PROVIDES TO US ? Economics of scale Profitable Diversions Resources Utilization Easy Marketing of services 5 Investors trust One-stop Shopping
- 6. NAME OR LOGO 6 ARE THERE ANY NEGATIVE IMPACTS OF IT ? No Expertise in Long Term Lending Non-Performing Assets problem Risk of Failure Bureaucratic and Inflexible Different Rules and regulations Concentration of Monopoly Power in the Hands of Few Banker
- 7. NAME OR LOGO 7 Parameters of Comparison Universal Banking Commercial Banking Definition Type of banking which provides functions of more than one kind of Banking It is a profit-earning institution that performs certain functions. Role It performs functions of depositing money, lending loans, investing and insurance, etc. It mainly performs the functions of accepting deposits and lending loans to the public. motive Profit earning is not the main motive. The main motive is profit earning. Investment Banking It performs functions of investment banking. It does not provide any such facilities. Dis-advantages Risk of failure, Bureaucratic, inflexibility, etc. Expensive, Difficult T&C, profit earning.
- 8. NAME OR LOGO SOME UNIVERSAL BANKS 8 JP MORGAN BANK New York City BANK OF AMERICA Charlotte, North Carolina. DEUTSCHE BANK Frankfurt, Germany WELLS FARGO BANK San Francisco, California, HSBC BANK London
- 9. NAME OR LOGO UNIVERSAL BANKS IN INDIA 9 ICICI BANK EXIM BANK IFCI BANK IDBI BANK
- 10. NAME OR LOGO UNIVERSAL BANKING IN INDIA In March 2002, the ICICI merged with the ICICI Bank and become a first universal bank in India. 10 In India in 1998 two reports mentioned the concept of universal banking. The NARSIMHAM COMMITTEE REPORT S.H. KHAN COMMITTEE REPORT They suggested a combination of all banking and financial services . That is they suggested a Universal banking. SBM Bank India is the first bank to receive universal banking licence from the RBI.
- 11. NAME OR LOGO 11 OPERATIONALAND REGULATORYISSUESOFRBI FORCONVERSIONOF FINANCIALINSTITUTIONINTO AUNIVERSALBANK Reserve requirements Permissible activities Nature of subsidies Restriction on investments licensing Assets in india
- 12. NAME OR LOGO FUTURE TRENDS THIS WILL PRESENT OPPORTUNITIES TO BANKS TO EXPLORE IN THE FIELD OF CREDI LOANDS MORTGAUGE INFRASTRUCTURE LADING ASSET MANAGEMENT ETC.. “ ” ICICI BANK HAS RECEIVED VARIOUS AWARDS FOR HOE IT USED TECHNOLOGY AS A STRATIGIC DIFFERENTIATOR AND ALOSO WAS THE 2ND BEST RETAIL BANK IN INDIA IN 2003 “ ” 12