Banking in India
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The document provides an overview of the banking sector in India from pre-independence to current times. It discusses the early banks established in India in the 19th century during British rule. After independence, the government nationalized major banks in 1969 and 1980 to gain greater control over credit. Banking was liberalized in the 1990s, allowing private banks like HDFC and ICICI to form. Today India has over 150 banks with modern technologies like internet banking, ATMs, and UPI payments widely used. The future of Indian banking is expected to include consolidation and global expansion.
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State bank of india
State Bank of India (SBI) is India's largest commercial bank. It traces its origins back to the early 19th century. SBI provides various banking services including savings and checking accounts, loans, debit/credit cards, internet banking, and more. It has over 16,000 branches in India and 131 branches internationally. In 2017, SBI merged with five associate banks, creating a banking giant with over 24,000 branches and 270,000 employees. The merger made SBI's total assets over 37 trillion rupees, making it one of the largest banks in the world by assets.
Introduction to banking
Banking involves accepting deposits from the public and using those funds to issue loans. This provides a safe place for savings and supplies liquidity to fuel economic growth through business and consumer lending. Over time, the Indian banking system has evolved from indigenous banks to direct government intervention through nationalization, liberalization with the entry of private banks, and now includes foreign banks. The major types of banks in India are public sector, private sector, cooperative, rural, and foreign banks that all work to mobilize savings and facilitate transactions.
Roles & functions of various types of banks
This document outlines the roles and functions of various types of banks in India. It discusses commercial banks that accept deposits and provide loans and financial services. It notes that commercial banks can be public sector banks that are majority government owned or private sector banks that are privately owned. It also describes regional rural banks that provide credit to small farmers and laborers, cooperative banks that finance rural development, and the central bank that issues currency, regulates foreign exchange, and develops the financial system.
Indian banking structure
Banking in India originated in the late 18th century with the Bank of Hindustan and General Bank of India. The oldest and largest bank still in existence is the State Bank of India, which originated from the Bank of Bengal and later merged with the Bank of Bombay and Bank of Madras to form the Imperial Bank of India. In 1955 it became the State Bank of India. The government nationalized many banks in 1969 and they remain under government ownership as public sector undertakings. The modern Indian banking sector includes public sector banks, private sector banks, foreign banks, regional rural banks, urban cooperative banks and state cooperative banks.
Banking Industry
The document provides an overview of the banking industry in India. It discusses that banks accept deposits and channel those deposits into lending activities. It then outlines the major functions of banks which include accepting deposits, lending money, remittances, locker facilities, and foreign exchange business. The document notes that the first bank started in India in 1786 and discusses some key milestones in the development of the banking industry in India such as the nationalization of banks in 1969 and liberalization in 1991. It categorizes the banking industry into public sector banks, private sector banks, and cooperative sector and provides details about each. The document also discusses challenges faced by the banking industry such as deregulation and new rules, and future outlooks around risk management
Indian Banking Structure
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
Banking ppt
This document provides an overview of the banking system in India. It defines banking and outlines the key laws and institutions that govern banking operations, including the Reserve Bank of India Act and the Banking Regulation Act. It describes the structure of banks in India, categorizing them as commercial banks, cooperative banks, and development banks. It provides details on the various types of commercial banks, cooperative banks, and development banks in India. It also summarizes the major functions and roles of the Reserve Bank of India in regulating the banking system.
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Bank Presentation
This presentation is basically about bank and its functions and different acounts and different features of bank
State bank of india
State Bank of India (SBI) is India's largest commercial bank. It traces its origins back to the early 19th century. SBI provides various banking services including savings and checking accounts, loans, debit/credit cards, internet banking, and more. It has over 16,000 branches in India and 131 branches internationally. In 2017, SBI merged with five associate banks, creating a banking giant with over 24,000 branches and 270,000 employees. The merger made SBI's total assets over 37 trillion rupees, making it one of the largest banks in the world by assets.
Introduction to banking
Banking involves accepting deposits from the public and using those funds to issue loans. This provides a safe place for savings and supplies liquidity to fuel economic growth through business and consumer lending. Over time, the Indian banking system has evolved from indigenous banks to direct government intervention through nationalization, liberalization with the entry of private banks, and now includes foreign banks. The major types of banks in India are public sector, private sector, cooperative, rural, and foreign banks that all work to mobilize savings and facilitate transactions.
Roles & functions of various types of banks
This document outlines the roles and functions of various types of banks in India. It discusses commercial banks that accept deposits and provide loans and financial services. It notes that commercial banks can be public sector banks that are majority government owned or private sector banks that are privately owned. It also describes regional rural banks that provide credit to small farmers and laborers, cooperative banks that finance rural development, and the central bank that issues currency, regulates foreign exchange, and develops the financial system.
Indian banking structure
Banking in India originated in the late 18th century with the Bank of Hindustan and General Bank of India. The oldest and largest bank still in existence is the State Bank of India, which originated from the Bank of Bengal and later merged with the Bank of Bombay and Bank of Madras to form the Imperial Bank of India. In 1955 it became the State Bank of India. The government nationalized many banks in 1969 and they remain under government ownership as public sector undertakings. The modern Indian banking sector includes public sector banks, private sector banks, foreign banks, regional rural banks, urban cooperative banks and state cooperative banks.
Banking Industry
The document provides an overview of the banking industry in India. It discusses that banks accept deposits and channel those deposits into lending activities. It then outlines the major functions of banks which include accepting deposits, lending money, remittances, locker facilities, and foreign exchange business. The document notes that the first bank started in India in 1786 and discusses some key milestones in the development of the banking industry in India such as the nationalization of banks in 1969 and liberalization in 1991. It categorizes the banking industry into public sector banks, private sector banks, and cooperative sector and provides details about each. The document also discusses challenges faced by the banking industry such as deregulation and new rules, and future outlooks around risk management
Indian Banking Structure
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
Banking ppt
This document provides an overview of the banking system in India. It defines banking and outlines the key laws and institutions that govern banking operations, including the Reserve Bank of India Act and the Banking Regulation Act. It describes the structure of banks in India, categorizing them as commercial banks, cooperative banks, and development banks. It provides details on the various types of commercial banks, cooperative banks, and development banks in India. It also summarizes the major functions and roles of the Reserve Bank of India in regulating the banking system.
INTRODUCTION TO BANKING
This document discusses the definition and functions of banks. It defines banks as financial institutions that accept deposits and provide loans. Banks perform important functions like safeguarding deposits, facilitating lending and the money supply, and providing payment and other financial services. The document outlines the history and development of banking in India and describes the different types of banks in India including commercial banks, central banks, public sector banks, and private sector banks.
Role of rbi in indian economy
The document discusses the role and functions of the Reserve Bank of India (RBI) as the central bank of India. It outlines that the RBI regulates the financial sector, acts as a banker to the government and other banks, issues currency, controls money supply and credit, regulates foreign exchange, and works to promote economic development. The RBI fulfills various roles including monetary authority, regulator of the economy, controller of the banking system, and manager of payment systems. It uses tools like interest rates, cash reserve ratios, and open market operations to achieve its goals of maintaining price stability and economic growth.
Kotak Mahindra Bank
Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It was established in 1985 and received a banking license from the Reserve Bank of India in 2003, becoming the first non-banking finance company to convert into a bank. The bank offers a wide range of banking and financial services to corporate and retail customers. In 2014, it acquired ING Vysya Bank, increasing its branch network to over 1,300 branches across India. Key services include personal finance, investment banking, life insurance, and wealth management. Uday Kotak is the Executive Vice Chairman and Managing Director.
BANK PRESENTATION
This document provides an overview of the banking sector in India. It discusses the definition of a bank according to Indian law and the history of banking in India in phases from the 18th century to present day. It also classifies the different types of banks in India including the Reserve Bank of India, public sector banks, private sector banks, cooperative banks, and development banks. The roles of commercial banks and investment banks are explained. Finally, it discusses modern modes of banking transactions such as e-banking, ATMs, debit cards, and credit cards.
The structure of banking system in india
1. The Reserve Bank of India is the central bank of India established in 1935 under the RBI Act. It holds an apex position in the banking structure and performs developmental and promotional functions.
2. Commercial banks accept deposits, provide loans and related services. They include public sector banks like SBI, private sector banks like ICICI and HDFC, foreign banks like Citi and HSBC, and regional rural banks that provide credit to agriculture and rural development.
3. Cooperative banks were established to provide rural credit. They have a three-tier structure with state cooperative banks at the apex level, central cooperative banks at the district level, and primary cooperative banks at the local level.
Reserve bank of india
The Reserve Bank of India was established in 1935 and nationalized in 1949. It serves as India's central bank and is governed by a board of directors. The RBI regulates banking, manages currency and foreign exchange, acts as the government and bankers' bank, controls credit and monetary policy, and oversees banking supervision and financial stability in India.
Banking Industry
The document provides an overview of the banking sector in India. It discusses the history and evolution of banking in India from the 18th century to present day. It also outlines the major public and private sector banks, their roles and regulatory requirements. The banking sector has grown significantly in recent decades and India is projected to become a top 5 global banking industry by 2020 and third largest by 2025. Key drivers of growth include government initiatives like Jan Dhan Yojana as well as increased technology and branch expansion.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the history and evolution of banking in India from the establishment of the first bank in 1786 to the current system. It describes the key components of the current banking system including the Reserve Bank of India (RBI), scheduled commercial banks, cooperative banks, and tools used by RBI to regulate the system like cash reserve ratio, repo rate, and statutory liquidity ratio. The banking system has transitioned India to a strong economy with robust banking.
Chapter 1 Indian banking introduction new
Meaning & Definition of Bank, Portfolio Management, Role of Banking Sector in Economic Development, Constituents of Banking System in India, Functional Classification of Banks
STATE BANK OF INDIA PPT
I Tried to give a detail on this ppt which will make u clear all about SBI. Many things i mentioned like the competitors ... its ATM ... do have a look and download if u need it
Introduction to banking in india
Indian banking originated in the 18th century with the establishment of the General Bank of India. Key events in Indian banking history include the founding of the State Bank of India in 1806 and the nationalization of the Reserve Bank of India in 1947. Banks act as intermediaries between savers and borrowers, accepting deposits and lending money. The basic principles of banking include trust, liquidity, solvency, profitability, and intermediation. Banks play an important role in a country's economic development by facilitating capital formation, investment, employment generation, and implementing monetary policy.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the structure of the system, which includes the Reserve Bank of India (central bank), scheduled commercial banks (public sector banks, private sector banks, foreign banks, regional rural banks, cooperative banks), and their roles. It also summarizes the primary functions of banks, which are accepting various types of deposits from the public and granting loans and advances. Secondary functions of banks include performing agency functions like funds transfer and collection services, as well as general utility functions.
Types of banks
There are several types of banks in India. The main types are scheduled banks, which must meet certain criteria to be included in the second schedule of the RBI Act, and non-scheduled banks. Scheduled banks can be further divided into public sector banks that are majority owned by the government, private sector banks owned by private individuals, foreign banks registered abroad but operating in India, and cooperative banks established under the Cooperative Credit Societies Act. Other bank types include regional rural banks focused on rural agriculture financing, and the State Bank of India which was formed when the government took over the Imperial Bank of India.
RBI Presentation
This document provides an overview of the Reserve Bank of India (RBI). It discusses the RBI's history, governance structure, key roles as the central bank and monetary authority of India including regulating the financial system, managing foreign exchange and currency, and its developmental functions. The document also outlines the RBI's objectives in being established, its subsidiaries, and instruments used for credit control.
Banking services
This document discusses various banking services including ATMs, EFTs, RTGS, internet banking and mobile banking. It outlines the benefits of ATMs such as 24/7 access and convenience, as well as some limitations like installation costs and security issues. Electronic fund transfers provide faster access to funds and eliminate risks. RTGS allows for real-time settlement of funds transfers. Internet banking allows customers to access accounts and conduct transactions online anywhere at any time. Mobile banking uses apps to manage bank accounts and conduct financial transactions via mobile phones. The document explores the services provided and why banks are expanding to mobile platforms to improve customer service and increase market share.
Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
A bank is a licensed and regulated financial institution that lends money, accepts deposits and carries out other financial transactions for its clients. There are several types of banks including saving banks, which aim to promote saving habits; industrial banks, which provide long-term loans to industries; agricultural banks, which lend to farmers; and commercial banks, which provide financial services to businesses and entrepreneurs and can be further divided into public sector, private sector, foreign, and regional banks.
Banking structure in india
The document summarizes the banking structure in India. It discusses the central bank (Reserve Bank of India), the types of scheduled commercial banks (public sector, private sector, foreign), and other financial institutions. The main types of banking in India are walk-in banking, drive-thru banking, ATM banking, online/internet banking, and mobile banking. The Reserve Bank of India regulates and oversees the entire banking system.
ECONOMIC AND FINANCIAL ANALYSIS OF SBI AND BOB
This document provides an analysis of State Bank of India (SBI) and Bank of Baroda (BOB). It begins with an executive summary that outlines the objectives of the analysis, which are to examine different government norms, functions, risks, and strategies related to commercial banking in India. It also aims to analyze how economic issues affect the Indian banking sector. The document then provides detailed information on the introduction and functions of banks in India, types of bank accounts, an introduction to SBI and BOB, comparative analysis of banks and non-banking financial institutions, impact of mergers on cost efficiency, government policies related to SBI and BOB, risk management, effects of inflation on commercial banks, data analysis through financial ratios
Banking
This document discusses the functions of commercial banks. It begins by defining a bank as a financial intermediary that takes deposits from savers and lends those funds to borrowers. It then describes the key functions of commercial banks, which include accepting deposits, lending loans, facilitating payments through checks, transferring funds, and providing various agency services. Commercial banks also engage in credit creation by lending out more money than they hold in deposits. The document outlines other services commercial banks provide and principles of sound banking, including maintaining adequate liquidity and expanding access. It concludes by explaining the role and functions of central banks, such as issuing currency, advising governments, overseeing commercial banks, and facilitating interbank clearing.
Private banks & Public banks
Public sector banks are owned by the government, while private sector banks are owned by private individuals or groups. Interest rates are typically lower for public sector banks compared to private sector banks. Public sector banks are considered more secure since they are run by the government of India, while there is a higher risk of fraud with private banks. Private banks can make business decisions and launch new products/services more quickly than public sector banks which require government approval.
Chapter 1.pptx
The document summarizes the evolution of banking in India from 1786 to the present. It discusses 3 phases: (1) Early Indian banks from 1786-1969 prior to reforms, which saw the establishment of colonial banks and slow growth. (2) Nationalization of banks from 1969-1991 for social benefits and rural credit. (3) Post-1991 reforms introducing privatization, competition and new technologies. Key events included the nationalization of SBI in 1955 and major commercial banks in 1969/1980, establishing RRBs in 1975, and liberalization reforms starting in 1992.
banking law PPT.pptx
The document discusses the origin and development of banking in India over three phases from 1786 to the present. It provides details on the key events and reforms that took place during each phase, including the establishment of early private banks in the late 18th century, nationalization of banks from the 1960s to 1980s, and liberalization reforms beginning in 1991 that opened the sector to private and foreign banks. It also outlines the role and importance of banks in promoting economic development through capital formation, monetization, financing innovations and priority sectors.
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INTRODUCTION TO BANKING
This document discusses the definition and functions of banks. It defines banks as financial institutions that accept deposits and provide loans. Banks perform important functions like safeguarding deposits, facilitating lending and the money supply, and providing payment and other financial services. The document outlines the history and development of banking in India and describes the different types of banks in India including commercial banks, central banks, public sector banks, and private sector banks.
Role of rbi in indian economy
The document discusses the role and functions of the Reserve Bank of India (RBI) as the central bank of India. It outlines that the RBI regulates the financial sector, acts as a banker to the government and other banks, issues currency, controls money supply and credit, regulates foreign exchange, and works to promote economic development. The RBI fulfills various roles including monetary authority, regulator of the economy, controller of the banking system, and manager of payment systems. It uses tools like interest rates, cash reserve ratios, and open market operations to achieve its goals of maintaining price stability and economic growth.
Kotak Mahindra Bank
Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It was established in 1985 and received a banking license from the Reserve Bank of India in 2003, becoming the first non-banking finance company to convert into a bank. The bank offers a wide range of banking and financial services to corporate and retail customers. In 2014, it acquired ING Vysya Bank, increasing its branch network to over 1,300 branches across India. Key services include personal finance, investment banking, life insurance, and wealth management. Uday Kotak is the Executive Vice Chairman and Managing Director.
BANK PRESENTATION
This document provides an overview of the banking sector in India. It discusses the definition of a bank according to Indian law and the history of banking in India in phases from the 18th century to present day. It also classifies the different types of banks in India including the Reserve Bank of India, public sector banks, private sector banks, cooperative banks, and development banks. The roles of commercial banks and investment banks are explained. Finally, it discusses modern modes of banking transactions such as e-banking, ATMs, debit cards, and credit cards.
The structure of banking system in india
1. The Reserve Bank of India is the central bank of India established in 1935 under the RBI Act. It holds an apex position in the banking structure and performs developmental and promotional functions.
2. Commercial banks accept deposits, provide loans and related services. They include public sector banks like SBI, private sector banks like ICICI and HDFC, foreign banks like Citi and HSBC, and regional rural banks that provide credit to agriculture and rural development.
3. Cooperative banks were established to provide rural credit. They have a three-tier structure with state cooperative banks at the apex level, central cooperative banks at the district level, and primary cooperative banks at the local level.
Reserve bank of india
The Reserve Bank of India was established in 1935 and nationalized in 1949. It serves as India's central bank and is governed by a board of directors. The RBI regulates banking, manages currency and foreign exchange, acts as the government and bankers' bank, controls credit and monetary policy, and oversees banking supervision and financial stability in India.
Banking Industry
The document provides an overview of the banking sector in India. It discusses the history and evolution of banking in India from the 18th century to present day. It also outlines the major public and private sector banks, their roles and regulatory requirements. The banking sector has grown significantly in recent decades and India is projected to become a top 5 global banking industry by 2020 and third largest by 2025. Key drivers of growth include government initiatives like Jan Dhan Yojana as well as increased technology and branch expansion.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the history and evolution of banking in India from the establishment of the first bank in 1786 to the current system. It describes the key components of the current banking system including the Reserve Bank of India (RBI), scheduled commercial banks, cooperative banks, and tools used by RBI to regulate the system like cash reserve ratio, repo rate, and statutory liquidity ratio. The banking system has transitioned India to a strong economy with robust banking.
Chapter 1 Indian banking introduction new
Meaning & Definition of Bank, Portfolio Management, Role of Banking Sector in Economic Development, Constituents of Banking System in India, Functional Classification of Banks
STATE BANK OF INDIA PPT
I Tried to give a detail on this ppt which will make u clear all about SBI. Many things i mentioned like the competitors ... its ATM ... do have a look and download if u need it
Introduction to banking in india
Indian banking originated in the 18th century with the establishment of the General Bank of India. Key events in Indian banking history include the founding of the State Bank of India in 1806 and the nationalization of the Reserve Bank of India in 1947. Banks act as intermediaries between savers and borrowers, accepting deposits and lending money. The basic principles of banking include trust, liquidity, solvency, profitability, and intermediation. Banks play an important role in a country's economic development by facilitating capital formation, investment, employment generation, and implementing monetary policy.
Indian banking system
The document provides an overview of the Indian banking system. It discusses the structure of the system, which includes the Reserve Bank of India (central bank), scheduled commercial banks (public sector banks, private sector banks, foreign banks, regional rural banks, cooperative banks), and their roles. It also summarizes the primary functions of banks, which are accepting various types of deposits from the public and granting loans and advances. Secondary functions of banks include performing agency functions like funds transfer and collection services, as well as general utility functions.
Types of banks
There are several types of banks in India. The main types are scheduled banks, which must meet certain criteria to be included in the second schedule of the RBI Act, and non-scheduled banks. Scheduled banks can be further divided into public sector banks that are majority owned by the government, private sector banks owned by private individuals, foreign banks registered abroad but operating in India, and cooperative banks established under the Cooperative Credit Societies Act. Other bank types include regional rural banks focused on rural agriculture financing, and the State Bank of India which was formed when the government took over the Imperial Bank of India.
RBI Presentation
This document provides an overview of the Reserve Bank of India (RBI). It discusses the RBI's history, governance structure, key roles as the central bank and monetary authority of India including regulating the financial system, managing foreign exchange and currency, and its developmental functions. The document also outlines the RBI's objectives in being established, its subsidiaries, and instruments used for credit control.
Banking services
This document discusses various banking services including ATMs, EFTs, RTGS, internet banking and mobile banking. It outlines the benefits of ATMs such as 24/7 access and convenience, as well as some limitations like installation costs and security issues. Electronic fund transfers provide faster access to funds and eliminate risks. RTGS allows for real-time settlement of funds transfers. Internet banking allows customers to access accounts and conduct transactions online anywhere at any time. Mobile banking uses apps to manage bank accounts and conduct financial transactions via mobile phones. The document explores the services provided and why banks are expanding to mobile platforms to improve customer service and increase market share.
Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
A bank is a licensed and regulated financial institution that lends money, accepts deposits and carries out other financial transactions for its clients. There are several types of banks including saving banks, which aim to promote saving habits; industrial banks, which provide long-term loans to industries; agricultural banks, which lend to farmers; and commercial banks, which provide financial services to businesses and entrepreneurs and can be further divided into public sector, private sector, foreign, and regional banks.
Banking structure in india
The document summarizes the banking structure in India. It discusses the central bank (Reserve Bank of India), the types of scheduled commercial banks (public sector, private sector, foreign), and other financial institutions. The main types of banking in India are walk-in banking, drive-thru banking, ATM banking, online/internet banking, and mobile banking. The Reserve Bank of India regulates and oversees the entire banking system.
ECONOMIC AND FINANCIAL ANALYSIS OF SBI AND BOB
This document provides an analysis of State Bank of India (SBI) and Bank of Baroda (BOB). It begins with an executive summary that outlines the objectives of the analysis, which are to examine different government norms, functions, risks, and strategies related to commercial banking in India. It also aims to analyze how economic issues affect the Indian banking sector. The document then provides detailed information on the introduction and functions of banks in India, types of bank accounts, an introduction to SBI and BOB, comparative analysis of banks and non-banking financial institutions, impact of mergers on cost efficiency, government policies related to SBI and BOB, risk management, effects of inflation on commercial banks, data analysis through financial ratios
Banking
This document discusses the functions of commercial banks. It begins by defining a bank as a financial intermediary that takes deposits from savers and lends those funds to borrowers. It then describes the key functions of commercial banks, which include accepting deposits, lending loans, facilitating payments through checks, transferring funds, and providing various agency services. Commercial banks also engage in credit creation by lending out more money than they hold in deposits. The document outlines other services commercial banks provide and principles of sound banking, including maintaining adequate liquidity and expanding access. It concludes by explaining the role and functions of central banks, such as issuing currency, advising governments, overseeing commercial banks, and facilitating interbank clearing.
Private banks & Public banks
Public sector banks are owned by the government, while private sector banks are owned by private individuals or groups. Interest rates are typically lower for public sector banks compared to private sector banks. Public sector banks are considered more secure since they are run by the government of India, while there is a higher risk of fraud with private banks. Private banks can make business decisions and launch new products/services more quickly than public sector banks which require government approval.
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Types of-banks , kinds of banks , industrial banks commercial banks ,agricult...
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Chapter 1.pptx
The document summarizes the evolution of banking in India from 1786 to the present. It discusses 3 phases: (1) Early Indian banks from 1786-1969 prior to reforms, which saw the establishment of colonial banks and slow growth. (2) Nationalization of banks from 1969-1991 for social benefits and rural credit. (3) Post-1991 reforms introducing privatization, competition and new technologies. Key events included the nationalization of SBI in 1955 and major commercial banks in 1969/1980, establishing RRBs in 1975, and liberalization reforms starting in 1992.
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The document discusses the origin and development of banking in India over three phases from 1786 to the present. It provides details on the key events and reforms that took place during each phase, including the establishment of early private banks in the late 18th century, nationalization of banks from the 1960s to 1980s, and liberalization reforms beginning in 1991 that opened the sector to private and foreign banks. It also outlines the role and importance of banks in promoting economic development through capital formation, monetization, financing innovations and priority sectors.
Commercial banking
Commercial banks play an important role in a country's financial system by accepting deposits from the public and lending money. They are regulated by the Reserve Bank of India and aim to earn profits through interest and fees. Commercial banks engage in both lending and borrowing - they collect deposits and lend funds at higher interest rates to earn profits. They provide important services like facilitating payments, granting credit, and mobilizing savings which promotes capital formation, entrepreneurship, and balanced regional development, accelerating a country's economic growth. Modern commercial banks now offer additional digital services like internet banking, ATMs, credit cards, and mobile banking to improve customer convenience.
Banking sector in india a review
Today, the banking industry in our country is stronger and capable of withstanding the pressures of competition. It withstood Global Financial Crisis (2008). In the era of Globalization Banking Sector in India is rapidly changing since 1990s due to technological innovation, financial liberalization with entry of new private and foreign banks, and regulatory changes in the corporate sector. Indian banking industry is gradually moving towards adopting the best practices in accounting, internationally accepted prudential norms, with higher disclosures and transparency, corporate governance and risk management, interest rates have been deregulated, while the rigour of directed lending is being progressively reduced. In our country, currently we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the leader of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry and our banks are now utilizing the latest technologies like internet and mobile devices to carry out transactions and communicate with the masses.
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This document provides a comparative study of nationalized, cooperative, foreign and private banks in India. It discusses the history and key aspects of each type of bank. Nationalized banks were established to reduce monopoly practices and ensure greater social control and mobilization of deposits. Cooperative banks were set up to provide financial assistance to weaker societies and encourage savings. Private banks help create competition and allow access to foreign capital. Foreign banks bring foreign direct investment and promote capital investment. The document also provides examples of leading private banks such as HDFC and ICICI and nationalized giants such as SBI.
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The document discusses the history and phases of nationalization of banks in India. It began in 1955 with the nationalization of the State Bank of India, followed by nationalization of its subsidiaries in 1959. The process accelerated under Indira Gandhi in 1969 with 14 major banks being nationalized. A second phase in 1980 nationalized 7 more banks with deposits over 200 crores, bringing the total under government ownership to 80%. The document also provides an overview of the Indian banking system and functions of banks.
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The document discusses agricultural finance and the development of banking in India. It covers the following key points:
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This document provides an overview of commercial banking in India. It begins with defining the role of banks in business and the structure of commercial banking in India. It then discusses the different types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. The document provides details on the nationalization of major banks in India in 1969 and 1980. It concludes with listing the major public sector banks and private sector banks currently operating in India.
modern bankin system in india
The document discusses the evolution and functions of banking in India. It notes that the banking system in India began with Presidency Banks in the 1800s and has since expanded to include other public and private banks as well as cooperative banks. The Reserve Bank of India, established in 1935, serves as the central bank regulating monetary policy and the banking sector. Commercial banks perform primary functions like accepting deposits and lending loans as well as secondary functions such as agency, advisory, and utility services for customers.
RBI-2.pptx
The Reserve Bank of India (RBI) was established in 1935 as the central bank of India. It regulates banking, money supply and interest rates in India. Some key roles of RBI include acting as a monetary authority, regulator of the financial system, manager of foreign exchange, issuer of currency and banking licenses. RBI also plays an important developmental role in promoting banking, industrial finance and exports. Recently, RBI has mandated online filing of FDI forms and capacity building certification for banks in areas like treasury operations, risk management and credit management.
6stars indian banking-mbfi
The document provides a summary of the history and evolution of banking in India, from early principles of lending in ancient civilizations to the modern banking system. It discusses the establishment of the first banks in India, the three Presidency Banks, and the key developments in the 1900s that laid the foundations of the nationalized banking system. This includes the establishment of the Reserve Bank of India in 1934 and the nationalization of banks in 1969 and 1980 to boost priority sector lending and rural development. The document also outlines the role of cooperative banks and microfinance in expanding access to financial services.
Banking system.pptx
The document provides an overview of the Indian banking system. It discusses the key constituents including the Reserve Bank of India, State Bank of India and its associates, commercial banks, regional rural banks, cooperative banks, development banks like IDBI and NHB. It also covers banking terms, current statistics on interest rates, assets and liabilities of scheduled banks, the role of banks in economic development through mobilizing savings, credit creation and more. Portfolio management in banking context is also summarized as prudent management of assets and liabilities to balance liquidity, safety and profitability.
Banking
The document provides an overview of the Indian banking system. It discusses the key constituents including the Reserve Bank of India, State Bank of India and its associates, commercial banks, regional rural banks, cooperative banks, development banks like IDBI and NHB. It also covers banking terms, current statistics on key rates, portfolio management, and the role of banks in economic development through functions like mobilizing savings and providing credit.
A study on customer satisfaction towards e banking services during 2nd waves ...
A study on customer satisfaction towards e banking services during 2nd waves of COVID-19 pandemic situation with special reference to state Bank of India
performance of commercial banks in india
this ppt was made for a college assignment it has information latest upto mar 2016. i hope it helps you...........
Nationalization of banks in india and argument in support of it
ABOUT BANKING SECTOR IN INDIA, ITS NATIONALIZATION, ARGUMENTS IN SUPPORT OF IT AND THE ACHIEVEMENTS OF NATIONALIZATION
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Bridging the gap: Online job postings, survey data and the assessment of job ...
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.1. Elemental Economics - Introduction to mining.pdf
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
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你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩
An Overview of the Prosocial dHEDGE Vault works
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1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
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◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
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◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Wayhome's analysis of the UK market and how pension schemes can help solve the problems it presents younger people
This assessment plan proposal is to outline a structured approach to evaluati...
This assessment plan proposal is to outline a structured approach to evaluati...lamluanvan.net Viết thuê luận văn
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Tham gia nhóm hỗ trợ viết bài fb: https://www.facebook.com/groups/285625754522599?locale=vi_VNTax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...Godwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide titled Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria - Prof Oyedokun.pptxRecently uploaded (20)
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Bridging the gap: Online job postings, survey data and the assessment of job ...
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1. Elemental Economics - Introduction to mining.pdf
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WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
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G20 summit held in India. Proper presentation for G20 summit
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
This assessment plan proposal is to outline a structured approach to evaluati...
This assessment plan proposal is to outline a structured approach to evaluati...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Banking in India
- 1. BANKING IN INDIA Shivam Shekhar
- 2. CONTENTS ▷What is Banking sector? ▷Pre-Independence Scenario ▷Post-Independence Scenario ▷Post-Liberalisation Scenario ▷Current Scenario
- 3. What is Banking Sector? Bank & its role, Types of banking
- 4. Bank & its role ▷Bank is a financial institution that accepts deposits from public and creates credit. ▷In addition banks also provide lending activities either directly or through capital markets. ▷In simple words, facilitates the holding & exchange of money. ▷Banks earn by interests on loans & investing the money available with them in high-return investment areas.
- 5. Types of banking ▷Personal Banking: Our day to day banks; Deposits, withdrawals, loans etc ▷Commercial Banking: Deposits, business loans & offer investment products ▷Investment Banking: Services such as raising capital, assist in M&A ▷Private Banking: Banking, investment & other services to high-net-worth-individuals(HNWI’s)
- 6. Pre-Independence Scenario Early banks, 20th Century banking
- 7. Early banks ▷Commercial Bank & Calcutta Bank merged in 1829 to form Union Bank of Calcutta later failed in 1848 ▷Allahabad Bank, the oldest functional bank today estd. in 1865 ▷Foreign banks started to appear in 1860’s in Calcutta with CEP(later converted to BNP Paribas) & HSBC ▷First entirely Indian Bank, Oudh Commercial Bank estd. in 1881 in Faizabad followed by Punjab National Bank at Lahore in 1894
- 8. 20th Century banking ▷Early 20th Century, period of stability in Indian Economy ▷1906-11, several banks inspired by Swadeshi movement ▷Several banks started in Udupi district of Karnataka, called “Cradle of Indian Banking” ▷RBI found in 1935 to respond to economic troubles after WW1 ▷1914-18 to 1939-45, from WW1 to WW2 and further couple of years until Independence, Banking sector was in troubles
- 9. Post-Independence Scenario Early independence years, Nationalisation of banks
- 10. Early independence years ▷Partition impacted Punjab & Bengal, the 2 major hubs of economy ▷Govt initiated measures to play role in economy ▷Nationalisation of RBI in 1949 ▷Banking Regulation Act enacted in 1949 empowering RBI to “regulate, control & inspect the banks in India” ▷Banking industry was important to facilitate development of economy
- 11. Nationalisation of banks ▷Despite of RBI regulations, majority of banks were controlled privately ▷Govt nationalised 14 largest banks holding at least 85% of deposits through an ordinance ▷Second round of nationalisation in 1980 nationalised 6 more banks giving govt the control of over 91% of banking business ▷Reason given was to give govt more control of credit delivery
- 12. Post-Liberalisation Scenario Banking in 1990s
- 13. Banking in 1990s ▷By the end of 1990, India was in a serious economic crisis ▷In early 1990s, govt started liberalisation by licensing small number of private banks; License Raj was slowly phased out; Allowed FDI in many sectors ▷Axis Bank, ICICI Bank, HDFC Bank etc are results of this measures ▷This revitalised the banking sector in India with rapid growth in all 3 sectors namely govt banks, private banks & foreign banks
- 14. Current Scenarios Structure of banking sector, Adoption of modern technologies, Recent activities
- 15. Structure of banking sector ▷Broadly classified into Scheduled & Non- Scheduled Banks ▷Scheduled banks further divided into 5 groups: SBI & its associates, Nationalised banks, Private sector banks, Foreign banks, Regional rural banks ▷Largest commercial bank today is SBI ▷Today, India has over 150 banks with over 100,000 branches and more than $ 1.0 trillion in deposits ▷India’s banking sector is now mature
- 16. Adoption of modern technologies ▷1984: MICR adopted for standardised cheques ▷1987: ATM started by HSBC ▷1988: Committee on Computerisation in Banks set up ▷1996: Internet Banking started by ICICI Bank ▷2004: RTGS started for real time payments ▷2005: NEFT started for electronic funds transfer ▷2010: IMPS started for immediate payments ▷2016: UPI started for payments using mobile phones
- 17. Future prospects ▷RBI gave a glimpse of what future banking would be like and following are salient points: ▷Multilayered banking structure with 4 tiers ▷Continuous banking license opposed to previous policy ▷Consolidation of banks as few cater to global needs ▷Dilution of govt stakes in Public Sector Banks ▷Foreign banks in India will have better presence ▷More presence abroad for Indian banks