The banking industry in India is sufficiently capitalized and well-regulated, acting as the backbone of modern business. Banking in India originated in the late 18th century with the three presidency banks. The Reserve Bank of India was established in 1935 to regulate the banking system. Currently, the banking industry contributes nearly 7.7% to India's national GDP and is a significant credit generator through various financial instruments. However, the industry faces challenges from non-performing assets, underpenetrated markets, and new technologies that are changing customer expectations. Government regulations and initiatives like Basel III have aimed to strengthen the banking sector to support India's economic growth.

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BANKING INDUSTRY
C H I N M A Y D A L V I
S A K I N A M A S A L A W A L A
S W E E T Y V O R A
Z A I N A B T H A N G E
PRESENTED BY:

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INTRODUCTION
 India’s banking sector is sufficiently capitalized and well-regulated.
 Banking sector acts as the backbone of modern business.
 Bank is an institution which deals in money and credit.
 The financial and economic conditions
 The digital payments system
 Banking towards customer
 1950-1960 - Serving the customer
 1960-1980 - Satisfying the customer
 1980-1990 - Pleasing the Customer
 1990-2000 - Delighting the customer
 2000 and beyond - Retaining the customer
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Background of Banking Industry
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Banking in India in the modern sense originated in the last decades of
the 18TH century.
The three presidency banks
Reserve Bank of India was established in 1935

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Market Structure
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Major Players

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Contribution to the Indian Economy
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5th largest banking industry globally by 2020.
The banking industry holds pride in contributing nearly 7.7% to the national
GDP.
They are significant credit generators for the economy in 2 interesting ways.
Banks also generate revenue for the economy in other ways.

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COVID-19 and its impact on Banking Sector
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Customer Service and Advice
Credit Management
Revenue Compression:
Operating Model Adjustments, Cost Elasticity and Innovation

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Emerging trends in banking industry
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Fintech Companies
Blockchain Integration
Cyber Security
Robotic Process Automation

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SWOT analysis
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Strength
The Pillar of Financial Stability
Provider of Financial Instruments
Weakness
High Levels of NPAs
Can’t reach to Under-penetrated
market:
Opportunity
Technological Advancements
Rural Expansion Opportunities
Threat
Lack of Proper Cyber Security
Global Economic Instability

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Government Regulations
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Nationalization of Banks
New Capital Adequacy Framework (NCAF)
Ownership of Banks
Branches and Subsidiary by foreign banks
New Banks
Small finance Banks
External commercial Borrowings

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Banking industry Challenges
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Threat of BigTech
Cultural shift
Rising Expectations
Customer Retention

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BASEL III
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Overview
How BASEL III works
Basel III and Banks
Basel III and investors
Basel III and sock Market
Conclusion

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THANK YOU