Sectorial Analysis- Banking Industry with reference to HSBC, ICICI and SBI Banks.

1. Dedicated To:
Prestige Institute Of Management And Research
TOPIC: BANKING SECTOR
SESSION: 2018-20
SUBMITTED BY
ANSHIKA SHRIVASTAVA(1121210798)
PRACHI SHARMA(1121210906)
SHIVAM GUPTA(1121211185)
VISHAL WANI (1121211358)

2. Banking- Meaning
Phases of Banking
Structure of Banking

4. CONTRIBUTION AND IMPORTANCE IN THE ECONOMY
Capital
Formation
Creation of
Credit
Channelizing
the Funds to
Productive
Investment.
Fuller
Utilization
of
Resources
Encouraging
Right Type of
Industries
Finance to
Government
Bankers as
Employers
Banks are
Entrepreneurs

5. COMPETETIVE SCENARIO
Partnership between the Government and Banks or
“the Great Bargain”
Between successive governments and the banks
Between the public sector banks (PSBs) and the
government

6. COMPETITION IN COMMERCIAL BANKS
Reserve Bank of India plays a crucial role in the establishment
of banks.
Competitive nature of a bank is based on:-
Size of bank capital
Size of deposits mobilized by banks.
Services offered by banks.

7. COMPETITION IN INVESTMENT BANKS
Competitive nature of investment banks are based on:
Types of services offered by banks
Flexibility of services provided
Cost of services offered by the banks
Reputation of the banks

8. MAJOR PLAYERS
Market Capitalisation Total Assets
Rs. 263,230.71 crores Rs. 2,868,721.08 crore
Rs. 39,960.52 crores Rs. 573,265.55 crore

9. Market Capitalisation Total Assets
Rs. 21,233.26 crore Rs. 255,822.40 crore
Rs. 23,699.52 crore Rs. 596,475.62 crore
Rs. 25,087.14 crore Rs. 252,130.23 crore

11. RELATION TO OTHER SECTORS
EDUCATION

12. GOVERNMENT POLICY
Pradhan Mantri Jan Dhan Yojana
For Financial Inclusion
Launched on 28th August, 2014
Bank Board Bureau
For appointing heads of Banks
Functioning 1st April, 2016
Rupay Card
India’s payment system
8th may, 2014
Debt Recovery Tribunal
For recovery of bad debts of financial institution

13. SWOT ANALYSIS OF 3 MAJOR PLAYER
STRENGTH
1.The biggest bank
in the country
2.Has a seperate act,
thus has a special
privilege.
3.Biggest branch
network in the
country
4. First public secor
to move to CBS.
Weakness
1.Huge amount of
staff.
2.Still carries the
image of old govt.
sector bank.
OPPORTUNITY
1.Pool in talent to
replace the ongoing
top management to
serve the next
generation.
2.Make better use of
its CRM.
THREATS
1.Consolidation
among private
banks.
2.New banks
lincenses by RBI.
3.Foreign banks.

14. STRENGTH
• ICICI has a strong
presence via its
branches & 14000+
ATMs
• High use of
technology to make
life simpler for the
customers
• ICICI has presence in
over 19 countries
• Marketing & branding
using celebrity brand
ambassadors has
boosted the brand's
image
• Services like net
banking, mobile
banking, NRI services,
apps etc offered
by ICICI
• It has been given
several awards for its
banking, CSR activities
and other initiatives
WEAKNESS
• High competition
means limited market
share growth for ICICI
bank.
• Controversies like
alleged money
laundering, debt
recovery etc hurt the
brand image.
OPPORTUNITY
• 1. Opening more
branches in the rural
areas can boost ICICI's
business.
2. Use of technology
to penetrate rural
markets
3. Venturing into
countries like Africa
where the economy is
coming up.
THREATS
• Ever changing RBI
policies can affect
operations of ICICI
bank.
• International and
other Competitors
• Inability to adapt to
changing conditions
due to large size
• Concern on privacy of
user accounts using
netbanking can be a
threat for ICICI

15. STRENGTH
•Strong brand name
and good financial
position
•Present in various
business groups like
commercial
banking,
investment
banking, financial
services and private
banking
•Diverse customer
base decreases risk.
•Employs over
275,000 people
globally.
•Has over 7500
offices in around 87
countries
WEAKNESS
•US a declining
market.
•Weak retail banking
as compared to
competition
OPPORTUNITIES
•Expansion in other
countries.
•Diversifying
portfolios for
customers.
•Lower interest rates
will boost market
share
THREATS
•Changing govt
regulations and
financial crisis like
recessions.
•Stiff competition
from global leaders

16. FUTURE PROSPECTS
 Reserve Bank of India (RBI) has decided to set up Public Credit Registry (PCR) an
extensive database of credit information which is accessible to all stakeholders.
Credit off-take has been surging ahead.
 The Indian banking system consists of 27 public sector banks, 21 private sector banks,
49 foreign banks, 56 regional rural banks, 1,562 urban cooperative banks and 94,384
rural cooperative banks, in addition to cooperative credit institutions.
Demand has grown for both corporate & retail loans.
Total banking sector assets (including public and private sector banks) have increased
at a CAGR of 6% to US$ 2.2 trillion during FY13–18. FY13-18 saw growth in assets of
banks across sector.

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banking-history.html
https://nptel.ac.in/courses/110106040/module1/1_3-
Competition%20in%20Banking%20Industry.pdf
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Sector-Analysis-Report.asp
https://wifigyan.com/sanjeev-verma-indian-economy-pdf-download/