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1.  SAIKAT SEN
 SRIJAN BANERJEE
 SOUPARNA JASH
 SHILPI
 URBASHI MISHRA
 NIKHIL RAJ NITIN
 PRADEEP YADAV
 AQUIB

4. BACKGROUND
 Foreign Bank are banks incorporated outside
of India and operate through branch or
subsidiary in India.
 Foreign Bank in India can classified in four
different phases:-
 Foreign bank in India(1786-1935)
 Foreign bank in India(1935-1969)
 Foreign bank in India(1969-1991)
 Foreign bank in India(1991 onwards)

5. CURRENT SCENARIO
 There are 44 banks which are incorporated
outside India and are operating branches in
India (as of 31 January 2015)
 There are 40 foreign banks with representative
offices in India (as of 31 January 2015)
 There are total 1149 ATMs(295 on-site ATMs &
854 off-site ATMs)[as of end December 2014]

6. CONTINUE…
 As of March 2013, there are 43 foreign banks from
26 countries operating as branches and 46 banks
from 22 countries operating as representative
offices

7. PERFORMANCE ANALYSIS
CITI BANK FIGURES IN MILLION

8. HSBC
CONTINUE…
FIGURES IN MILLION

9. SCB
CONTINUE…
FIGURES IN MILLION

10. STATISTICAL ANALYSIS
CITI HSBC SCB
FIGURES IN MILLION

11. PRODUCT & SERVICES

12. SCB Super
Value
Account
Parivaar
Account
Employee
Banking
Account
3 in 1
Account
2 in 1
Account
Basic
Banking
Account
Monthly
Avg.
Balance
>=50,000 25,000 Not
Required
25,000 >=50,000 Not Required
Cheque
Book
Available Available Available Available Available N/A
Debit
Card
Available Available Available Available
(Platinum/
ShopSmart)
Available
(Platinum)
Available
Internet
Banking
Available Available Available Available N/A Available
Phone
Banking
Available Available Available Available Available Available
Locker
Charge
Discount
N/A N/A N/A 25% 25% (for
Maintaining
Avg. 50,000
quarterly)
N/A
DSB Available N/A Available N/A N/A Available

13. HSBC Basic Savings Bank
Deposit Account
(BSBDA)
Basic Savings Bank
Deposit (BSBD) Small
Accounts
Maintain an Average Quarterly
Balance
1,50,000 25,000
Maintain an Average Quarterly
Balance(Senior Citizens)
10, 000 10, 000
Cheque Book Available N/A
Online Banking Available N/A
Phone Banking Available N/A
Debit Card Available Available
NEFT Available N/A
RTGS Available N/A

14. CITI
BANK
Citi
Priority
Account
Savings
Account for
Expatriates
Suvidha
Salary
Account
Senior
Account
Junior
Account
Basic Savings
Bank Deposit
Account and
Small
Accounts
Cheque Book Available Available Available N/A Available
Debit Card Available Available Available Available Available Available
Online Banking Available Available Available Available N/A N/A
Mobile Banking Available Available Available Available N/A N/A
Tablet Banking Available Available N/A N/A N/A N/A
Accident Insurance
Policy
Up to 50
lakhs
N/A N/A Available N/A Up to 1 lakh
NEFT Available Available Available Available Available N/A
RTGS Available Available Available Available Available N/A

15. SWOT ANALYSIS
STRENGTH - 1. Strong brand name and good financial position
2. Contributes in GDP growth
3. Diverse customer base decreases risk
4. Source of employment
5. Volume of network is big
WEAKNESSES - 1. Interest Rate high for advances
2. Prospects only HN individuals
3. No contribution in financial inclusion
OPPORTUNITIES - 1. Expansion in other countries
2. Diversifying portfolios for customers
3. Lower interest rates will boost market share
THREATS - 1. Changing Govt. regulations and financial crisis like
recessions
2. Stiff competition from Indian private banks(BBL,ICICI,
HDFC)
3. Vulnerable to risk depending upon the country’s
economic position

16. The latest opportunity foreign banks see is in the retail
sector. The government recently allowed overseas
companies in multi-brand retail and removed cap on
Foreign Direct Investment (FDI) in single-brand retail.
India is a profitable market as well for foreign lenders.
Foreign banks are also preparing for the
internationalization of Indian business. As Indian
companies go global, they need banking support and
it is not possible for Indian Banks to be present all
over the world. Foreign Banks have networks.
FINDINGS

18. BACKGROUND
 Popularly known as “Gramin Bank” were set up in
1975
 Prathama Bank, the first RRB came in to existence on
2nd october,1975
 To develop the rural economy by providing banking
services
 NABARD(National Bank for Agriculture and Rural
Development) is the regulatory authority of RRB’s.

19. CURRENT SCENARIO
 Equity holding is jointly held by the central Govt, the
concerned state Govt. and the sponsor bank in the ratio of
50:15:35
 At present there are 56 RRB’s in India.
 Some of the most famous RRB’s are:-
 Allahabad UP Gramin Bank
 Punjab Gramin Bank
 Uttarakhand Gramin Bank
 Dena Gujrat Gramin Bank

20. PERFORMANCE ANALYSIS
PARAMETER MARCH 31,2013 MARCH 31,2014
No. RRBs 64 57
Share Capital (Rs. Cr.) 197 197
Share Capital Deposit (Rs. Cr.) 6001 6170
Reserves (Rs. Cr.) 13247 15262
Profit-earning RRBs 63 57
Net Profit of RRBs (Rs. Cr.) 2273 2744
Acculated loss (Rs. Cr.) 1091 949
Deposits (Rs. Cr.) 211488 239511
Loan & Advances (Rs. Cr.) 137078 218110
Non-performing loans (%) 6.08 4.35

21. Deposit
Schemes
Loan &
Advances
Insurance
RuPay-
ATM cards
Demand
Drafts
Online
Purchases
Bill
Payments
RTGS &
NEFT
Product
&
Services

22. CHALLENGES
Haste and lack of Co-ordination in Branch Expansion
Difficulties in Deposit Mobilization
Constraints in Deposit Mobilisation
Slow Progress in Lending Activity
Urban-Orientation of Staff
Procedural Rigidities

23. SWOT ANALYSIS
STRENGTH - 1. Economic advantage
2. Their own advantages
WEAKNESSES - 1. The weaker profitability
2. Comparatively bigger operating risk
3. The absence of effective regulation
OPPORTUNITIES - 1. The support on policy
2. Current demand
3. The shortage of financial supply
THREATS - 1. The competition of other financial institutes
2. The threat of private lending
3. The credit risks

24. FINDINGS
The investments of RRBs have significant impact on
profitability. One unit change in investment causes
894 time changes in the operating profit of Regional
Rural banks in India respectively.
The advances, deposits and assets of RRBs have
insignificant impact on profitability of rural sector
banks. These variables have significant impact on
profitability of Regional rural banks in India.

25. CONCLUSION
We can conclude that despite of the threats
and weaknesses in the system we can expand
the banking service in RRBs and Foreign
Banking Systems. And the threats can always
be overcome. We just have to be honest
towards our customers, organization and
duties.

26. Reference taken from:
• RBI Official website
• Bankers Adda
• Paisa Bazar
• Official sites of Foreign
Banks and Gramin Banks.