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Basics Of Banking
1. Let your career shine bright under the spotlight
of opportunities in Banking sector
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Basics of Banking
2. Himesh Sharma
Industry Exposure – 17 Years
•Tata Motors Finance – AVP – Sales and Business Development – Retail Assets
- 2008 – 2014.
•ICICI Bank – Area Head – Sales – Retail Advances and Cross Selling – 2004-
2008.
•TVS Sundaram – Business Development – Retail Loans & TPPs – 1997-2004.
Training: Certifications & Experience:
•Imparted trainings to new joinees of ICICI Bank though their IMPACT program
on product knowledge and business etiquettes.
•Certified Trainer in Tata Motors Finance on product training.
•Certified Trainer from Manipal – City & Guilds for BFSI certification.
•Accredited Management Teacher – from AIMA for Marketing of Financial
Services.
•Doctorate in Management ( PhD) – Thesis submitted – 2014 – HPUBS.
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Profile
3. Chief Economic Advisor
Sensex / NIFTY
Magic of compounding
Finacle
Small & Payments Banks
KYC
We understand your world
Inflation
Cibil
Dosaeconomics
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Questions ?
4. Rs 110000 / 55 = 2000
Rs 108000 / 52.75 = 2048Rs 108000 / 52.75 = 2048Bank Interest rate @ 8% = 100000 ( p) + 8000 (i)
Inflation @ 5.5%
Price of Dosa = 52.75 per dosa
Total Dosa he can buy with interest = 152
Bank Interest rate @ 8% = 100000 ( p) + 8000 (i)
Inflation @ 5.5%
Price of Dosa = 52.75 per dosa
Total Dosa he can buy with interest = 152
Bank deposit of Rs 100000/- @ 10% = 100000 ( P) 10,000 ( i)
Inflation @10%
Price of Dosa = Rs 55 per dosa
Total Dosas he can buy now with his interest = 10000/55 = 182
Bank deposit of Rs 100000/- @ 10% = 100000 ( P) 10,000 ( i)
Inflation @10%
Price of Dosa = Rs 55 per dosa
Total Dosas he can buy now with his interest = 10000/55 = 182
Say the pensioner wants to buy dosas and at the beginning of the period
Cost of Dosa = Rs 50 per dosa.
Total savings = Rs. 1,00,000.
Total Dosas he can By = 2,000
Say the pensioner wants to buy dosas and at the beginning of the period
Cost of Dosa = Rs 50 per dosa.
Total savings = Rs. 1,00,000.
Total Dosas he can By = 2,000
But wait a minute. Remember, he gets his principal back also and that too has to be adjusted for inflatBut wait a minute. Remember, he gets his principal back also and that too has to be adjusted for inflati
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Dosaeconomics
5. • India has a diversified Banking , Financial Services& Insurance sector, which is undergoing
rapid expansion. The sector comprises commercial banks, insurance companies, non-banking
financial companies, co-operatives, pension funds, mutual funds and other smaller financial
entities including recently launched SMALL & PAYMENT BANKS.
• The banking industry in India has the potential to become the fifth largest banking industry in
the world by 2020 and third largest by 2025 according to a KPMG-CII report.
• Over the next decade, the banking sector is projected to create up to two million new jobs,
driven by the efforts of the RBI and the Government of India to integrate financial services
into rural areas. Also, the traditional way of operations will slowly give way to modern
TECNOLOGY & FINANCIAL INNOVATION.
• Banks have opened 17.74 crore accounts under the Pradhan Mantri Jan Dhan Yojana (PMJDY)
till December 31st
2015 with deposit base of 22000 Cr. of rupees showing a concerted effort of
GOI for FINANCIAL INCLUSION.
• Total banking sector credit is anticipated to grow at a CAGR of 18.1 per cent to reach US$ 2.4
trillion by 2017. The total banking assets in India touched US$ 1.8 trillion in FY13 and are
anticipated to cross US$ 28.5 trillion in FY25.
• The total market size of the insurance sector in India was US$ 66.4 billion in FY13 and is
expected to breach the US$ 350–400 billion mark by 2020.
References: Media Reports, Press releases, RBI DocumentsNew Products, New Markets, New Players, Innovative Techniques ,
New Customer Behaviors, Shrinking Margins, Risk Management –
Specialized Human Resources.
New Products, New Markets, New Players, Innovative Techniques ,
New Customer Behaviors, Shrinking Margins, Risk Management –
Specialized Human Resources.
@factsntactswww.brightwayslearni
BFSI Overview
6. BANKS / NBFCs
Insurance and MF
Cos
Intermediary/ Broking
Cos
HDFC Bank
AXIS Bank
ICICI Bank
INDUS IND Bank
YES Bank
TATA Capital
Reliance Capital
Mahindra Finance
Future Capital
Bajaj Finance
L&T Finance
ICICI Prudential
Allianz
ICICI Lombard
BIRLA SUNLIFE
TATA AIA
BHARTI AXA
Sundarm Mutual
TATA Mutual
Prudential
Franklin Templeton
SBI Mutual
ICICI Securities
HDFC Securities
AXIS Securities
KOTAK Securities
Edelweiss
Share khan
Angel Broking
Anand Rathi
TATA Securities
SMC
Special Opportunities to develop Entrepreneurs and Self Employed Professionals
Risk Management
Cos
AXIS - Genpact
Aon Risk Solutions
Risk Pro
India Insure
Sunlife Risk Sol
KPMG
RMS
PWC
Almus Risk consulting
Hill & Associates
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Key Players
7. Function Percentage of people
Sales & Marketing Credit & Operations Entrepreneurs and SEP
New business generation
Relationship Management
Marketing & promotion
Proposal preparation and
presentation
New Product design & Strategy
Development
• Transaction Processing
• Underwriting
• Data Analytics and Innovation
• Branch operations
• Customer servicing
• Credit Analysis & Risk
Management
• Wealth Advisors
•DSAs
•Insurance Brokers
•CSC
• Stock Traders
•MF distributers
•Financial Literacy
Distribution Matrix of such resources
Operations 45-50%
Sales & Marketing 35-40%
Entrepreneurs 10-15%
Total 100%
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Typical Careers in BFSI
8. Let your career shine bright under the spotlight
of opportunities in Banking sector
SOP
BFSI Club is a group of 15-20 students from diverse backgrounds with a
mix of both semesters, who are willing to pursue career primarily in BFSI
domain.
The club is supported with faculties and mentors from industry where
most the learning happens outside classroom with an aim to integrate
conceptual knowledge with skills developing BFSI specific expertise.
This is achieved by connecting students with domain experts, discuss
day today job related issues, do case studies and working on the
projects from industry, leading to better internship & placement
opportunities.
SOP
BFSI Club is a group of 15-20 students from diverse backgrounds with a
mix of both semesters, who are willing to pursue career primarily in BFSI
domain.
The club is supported with faculties and mentors from industry where
most the learning happens outside classroom with an aim to integrate
conceptual knowledge with skills developing BFSI specific expertise.
This is achieved by connecting students with domain experts, discuss
day today job related issues, do case studies and working on the
projects from industry, leading to better internship & placement
opportunities.
@factsntactswww.brightwayslearni
BFSI Club
9. • Understand the BFSI sector
• Gather & share information through SM
networking
• Know about the various organizations
• Various roles available - JD
• Understand the hiring process
• Interact with various functional heads
• Industry visits, working as shadow managers
• Internship -> Pre-placement -> Final Offers
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Club working