SECTORAL ANALYSIS    - BANKING.
BANKING ORIGIN•   The first records of Banks dates back to around 2000 BC in    Assyria and Babylonia.•    Later, in ancie...
BANKING HISTORY                             IN INDIA•   Banking Originated in 18 th century•    1786 -1st bank named Gener...
HISTORY (CONT..D)• 1990 - Liberalization Phase ,FDI norms were relaxed.
TOP BANKS
VALUES PROVIDED TO                         CUSTOMERS• Search and match             Finding other side of the transaction, ...
BIFURCATION OF BANKING       SECTORS
BASIC TYPES OF    BANKS Public Sector Private SectorForeign Banks
PUBLIC SECTOR                      BANKS•   Allahabad Bank     • IDBI Bank          • SB(B&J)•   Andhra Bank        • Indi...
PRIVATE SECTOR                      BANKS• Axis bank                   •   TamilNadu Mercantile Bank•   City Union        ...
FOREIGN BANKS•   The Barclays Bank•   Citi Bank•   DBS•   Deutsche Bank•   The Standard Chartered Bank•   Bank of Nova Sco...
DIVERSIFICATION IN    BANKING Merchan               Mutual    t               funds banking        ATM’         Retail    ...
BREAKTHROUGHS• Axis bank adopts SWIFT’S exceptions and investigations  automated solution• SUB –K-Vijay Mahajan• ICICI Ban...
VALUE PARAMETERS•   Accessibility           •   Customer Satisfaction       ATM                 •   Value Added Services ...
VALUE PARAMETERS•   Facilities              •   Efficiency      Checks      Cards                •   Safety             ...
STRATEGY CANVAS    (PUBLIC SECTOR BANKS)6                           Bank of Baroda                            Andhra Bank5...
STRATEGY CANVAS    ( TOP PUBLIC SECTOR           BANKS)6                         Bank of Baroda5                         B...
STRATEGY CANVAS FOR    PRIVATE SECTOR BANK6                         Axis                          City Union5             ...
RETRENCHMENT TRENDS       (2011)SOURCE:WSJ RESEARCH
TRENDS W.R.T ASSET RETURN          MISMATCHSOURCE:livemintmoney.com/BCG.BT Reseach
WINNERS                 BT-KPMG BEST BANKS SURVEY OF 2011•   GROWTH (MID-SIZED BANKS)    Dhanlaxmi Bank    QUALITY OF ASSE...
WINNERS•   BEST LARGE BANK    Bank of Baroda•   BEST MID-SIZED BANK    IndusInd Bank•   BEST SMALL BANK    JPMorgan Chase•...
By: Ruchi ThaparBusiness Design  (2011-13)  WE School   Mumbai.
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Banking Sector

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Sectoral Analysis on Banking sector

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Banking Sector

  1. 1. SECTORAL ANALYSIS - BANKING.
  2. 2. BANKING ORIGIN• The first records of Banks dates back to around 2000 BC in Assyria and Babylonia.• Later, in ancient Greece and during the Roman empire, lenders who were based in temples made loans but also added two important innovations: accepting deposits and charging money.• The word bank can be traced to medieval and early Renaissance Italy• The history of banking is closely related to the history of money but banking transactions probably predate the invention of money• In ancient India during the Maurya dynasty(321 to 185 BC), an instrument called adesha was in use, which was an order on a banker desiring him to pay the money of the note to a third person, which corresponds to the definition of a bill of exchange as we understand it today• The religious societies regarded inanimate matter as alive, like plants, animals and people, and capable of reproducing itself. Hence if you lent food money, or monetary tokens of any kind, it was legitimate to charge interest.
  3. 3. BANKING HISTORY IN INDIA• Banking Originated in 18 th century• 1786 -1st bank named General Bank was started.• 1790 -2nd bank named Bank of Hindustan• 1806 -Oldest bank(SBI) in calcutta started which later became Bank of Bengal• Presidency Banks established during British East India Company were Bank of Bengal,Bank of Bombay,Bank of Madras• 1839 -Union Bank• 1860 -Arrival of foreign banks in Calcutta, India.• 1869 -HSBC started in Bengal• 1865 -Allahabad Bank• 1881-1st Indian JSC-The Oudh Commercial bank(failed in 1958)• 1895 -PNB (1 of the largest bank )• 1906-1911-Establishment of Banks inspired by SWADESHI Movement• 1913-1918- Failure of 94 Banks• 1949-Establishment of RBI• 1960– Banks became important tool for providing funds in the economy• 1969– Nationalisation of 14 large banks• 1980- 2nd dose of nationalisatio n
  4. 4. HISTORY (CONT..D)• 1990 - Liberalization Phase ,FDI norms were relaxed.
  5. 5. TOP BANKS
  6. 6. VALUES PROVIDED TO CUSTOMERS• Search and match Finding other side of the transaction, matching sellers with borrowers &/or vice versa• Market Related Info Delivering real time prices, macro, micro economic insights/reports & corporate outlooks• Processing Convenience Ensuring successful execution of banking transactions• Capital Providing funding, guaranteeing liquidity &transferring risk• Knowledge Providing information of market flow &drivers generating insights opportunities & solutions for customers
  7. 7. BIFURCATION OF BANKING SECTORS
  8. 8. BASIC TYPES OF BANKS Public Sector Private SectorForeign Banks
  9. 9. PUBLIC SECTOR BANKS• Allahabad Bank • IDBI Bank • SB(B&J)• Andhra Bank • Indian Bank • SBM• Bank of Baroda • Indian Overseas • SBP• Bank of India Bank • SBT• Bank of • Oriental Bank of • Syndicate Bank Maharashtra Commerce • UCO Bank• Canara Bank • Punjab and Sindh • Union Bank of bank• Central Bank India • PNB• Corporation Bank • United Bank of • SBI india• Dena Bank • SBH
  10. 10. PRIVATE SECTOR BANKS• Axis bank • TamilNadu Mercantile Bank• City Union • Catholic Syrian Bank• Development Credit Bank • Federal Bank• Dhanlaxmi Bank • Karur Vyasa Bank• HDFC • The Laxmi Vilas Bank• ICICI • The South Indian Bank• IndusInd • The Tamil Nadu Bank• ING Vyasa • Yes Bank• Karnataka Bank• Kotak Mahindra
  11. 11. FOREIGN BANKS• The Barclays Bank• Citi Bank• DBS• Deutsche Bank• The Standard Chartered Bank• Bank of Nova Scotia• HSBC• RBC• Wells Fargo• PNC Bank• The Bank of America• Goldman Sachs• Grindlays Bank• Credit Sussie
  12. 12. DIVERSIFICATION IN BANKING Merchan Mutual t funds banking ATM’ Retail S banking Anywh Factorin ere g bankin g
  13. 13. BREAKTHROUGHS• Axis bank adopts SWIFT’S exceptions and investigations automated solution• SUB –K-Vijay Mahajan• ICICI Bank• Virtual wallet-PNC Bank• M pesa• Wizzit
  14. 14. VALUE PARAMETERS• Accessibility • Customer Satisfaction  ATM • Value Added Services  Branches  Check Book• Flexibility  Transaction SMS  Timing  Mobile Banking• Mode of paymen t  Cash • Relationship  Credit  Personal Banking  RTGS  NEFT • Services  Locker• Usability  Accounts  Understanding
  15. 15. VALUE PARAMETERS• Facilities • Efficiency  Checks  Cards • Safety  Authentication Doors• Adherence  Rules • Affordability  Regulation  Minimum Balance  Norms  Practices • Brand Image• EER • Convenience
  16. 16. STRATEGY CANVAS (PUBLIC SECTOR BANKS)6 Bank of Baroda Andhra Bank5 Allahabad Bank Bank of India Bank of Maharashtra4 Canara Bank Central Bank3 Corporation Bank Dena Bank2 IDBI Indian Overses Bank1 Oriental bank of commerce Punjab & Sindh0 Punjab National SBI SBBJ SBH SBM SBP SBT Syndicate Bank
  17. 17. STRATEGY CANVAS ( TOP PUBLIC SECTOR BANKS)6 Bank of Baroda5 Bank of India4 Canara Bank Central Bank3 Corporation Bank2 IDBI1 Indian Overses Bank0 Punjab National SBI UCOBank United Bank Of India Union Bank of India
  18. 18. STRATEGY CANVAS FOR PRIVATE SECTOR BANK6 Axis City Union5 Dev Credit4 Dhanlaxmi HDFC3 ICICI IndusInd2 ING Vyasa Karnataka1 Kotak M0 Federal YES Tamilnadu M Catholic S Karur V Laxmi V South Ind
  19. 19. RETRENCHMENT TRENDS (2011)SOURCE:WSJ RESEARCH
  20. 20. TRENDS W.R.T ASSET RETURN MISMATCHSOURCE:livemintmoney.com/BCG.BT Reseach
  21. 21. WINNERS BT-KPMG BEST BANKS SURVEY OF 2011• GROWTH (MID-SIZED BANKS) Dhanlaxmi Bank QUALITY OF ASSETS (MID-SIZED BANKS) Karur Vysya Bank• PRODUCTIVITY & EFFICIENCY (MID-SIZED BANKS) City Union Bank• PRODUCTIVITY & EFFICIENCY (SMALL BANKS) JPMorgan Chase• GROWTH, QUALITY OF ASSETS (SMALL BANKS) Mizuho Corporate Bank• QUALITY OF ASSETS (SMALL BANKS) Bank of America
  22. 22. WINNERS• BEST LARGE BANK Bank of Baroda• BEST MID-SIZED BANK IndusInd Bank• BEST SMALL BANK JPMorgan Chase• MOST CONSISTENT LARGE BANK Axis Bank• GROWTH, QUALITY OF ASSETS (LARGE BANKS) YES Bank• PRODUCTIVITY & EFFICIENCY (LARGE BANKS) IDBI Bank• GROWTH (MID-SIZED BANKS) Dhanlaxmi Bank QUALITY OF ASSETS (MID-SIZED BANKS) Karur Vysya Bank
  23. 23. By: Ruchi ThaparBusiness Design (2011-13) WE School Mumbai.

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