Virtual classification outlines various divisions within a bank including retail banking, corporate banking, cross-selling business, corporate centers and data centers, and regional processing groups. Retail banking involves executing transactions directly with consumers for services like savings accounts, mortgages, loans, and credit/debit cards. Commercial banking refers to banks that provide deposits, business loans, and investments to corporations rather than individual customers. Cross-selling involves suggesting related products to customers considering a purchase. A data center is a centralized location for storing, managing, and sharing data organized around a business or topic. The growing Indian middle class and rising per capita incomes forced banks to enter the retail consumer segment to tap this new market potential. Consumer loan amounts

1. 1

2. Virtual classification
Retail Banking
Corporate Banking
Crossell Business
Corporate Centre / Data Centres
RPG’s-regional processing group
operation job (casa, auditing after 3
months if foung fraud employee fired)
RCC’s( regional clearing centres)
2

3. Retail banking is when a bank executes transactions directly with consumers, rather than corporations or other
banks. Services offered include savings andtransactional accounts, mortgages, personal loans, debit cards,
and credit cards. The term is generally used to distinguish these banking services frominvestment
banking, commercial banking or wholesale banking. It may also be used to refer to a division of a bank dealing
with retail customers and can also be termed as Personal Banking services.
A commercial bank is a type of bank that provides services such as accepting deposits, making business loans,
and offering basic investment products.Commercial bank can also refer to a bank or a division of a bank that
mostly deals with deposits and loans from corporations or large businesses, as opposed to individual members
of the public (retail banking).
Cross-sell is a marketing term for the practice of suggesting related products or services to a customer who is
considering buying something.
A data center (sometimes spelled d a ta c e nte r) is a centralized repository, either physical orvirtual, for the
storage, management, and dissemination of data and information organized around a particular body of
knowledge or pertaining to a particular business.
"remotely created checks" and create transfer and presentment warranties to shift liability for an unauthorized
remotely created check to the institution where it is first deposited.
3

4. W was the M
hat
AGIC
that forced B
anks to
com in R
e
etail S
ector?
4

5. First Magic that forced Banks to come in Consumer
Segment
2000: Per capita
2000: Per capita
income Rs
income Rs
16,173
16,173
Consuming class
Consuming class
35%
population
population
growth
estimated at
estimated at
about 260 mn11
about 260 mn
2007: Per capita
2007: Per capita
income Rs 24,295
income Rs 24,295
Consuming class
Consuming class
70%
population
population
growth
estimated at
estimated at
about 350 mn11
about 350 mn
2012: Per capita
2012: Per capita
income Rs 53000
income Rs 53000
Consuming class
Consuming class
population
population
estimated at
estimated at
about 600 mn11
about 600 mn
E
stim
ates based on NCAE data. Consum class
R
ing
com
prises m
iddle and high incom households
e
5
5

6. 800
75%
700
70%
600
53%
500
60%
54%
50%
34%
400
40%
300
30%
17%
200
100
80%
20%
10%
2%
0
Consumer loans outstanding /GDP
(%)
Consumer loans outstanding
(USD in billion)
Second Magic that forced Banks to
come in Consumer Segment
0%
India
Thailand Malaysia
Taiw an
Korea
USA
Total consumer loans outstanding
Consumer loans outstanding / GDP (% )
So urc e : Sa lo m o n Sm ith Ba rne y
6

7. A universal banking powerhouse...
Retail Loans Services
Car Loans
Home Loan /LAP
Credit Cards
Personal loans
PLCCpersonal loan
on credit
card
Corporate Loans Services
Term Loans
Project Finance
Commercial LAP
W
orking Cap Funding
Business Finance
Others
CAR OD
Security Loans
7

8. Demand Funnel Analysis
8

9. Loan Application Processing
» Sourcing of loan application
» Field Enquiry
» CIBIL Check
» CPA Processing
» Check Dispatch
» Follow up
9

10. 10

11. TARGET(2020)
• Ranking- 10th to 4th among 207 countries given in the
World Development Report in terms of (GDP).
• FDI-to contribute 35% (21% now) in capital formation
• Urbanization- 30% to 40%
• SME- Major player of the economy

12. FUTURE LANDSCAPE
FOUR DYNAMIC TRENDS:1. Consolidation +
2.Globalization +
3.Development +
4.Universalization