This presentation include all about banking industry in brief.

1. BANKING
INDUSTRY
Presented By: Ankit Porwal & Team, MBA
1st SEM

2. HISTORY OF BANKING

Evolution of the Indian banking industry
classified into 4 phases
 PHASE
I: Pre-Nationalization phase 1786-1969.
 PHASE
II: Nationalization of Banks 1969-1991
 PHASE
III: Advent of Indian financial and banking
sector reform after 1991-2004
 PHASE
IV: Increased liberalization 2004 onwards

3. Phase I – Pre Nationalization

Indian 1st Bank started in 1786

Amalgamation of 3 banks formed Imperial
Bank in 1920.

RBI came into existence in 1935

There were approx 1100 banks (mostly small
banks).

4. Phase II- Nationalization

SBI Nationalized in the year 1955

14 Banks were nationalized in 1969

Creation of regional rural banks

Creation of guarantee corporation

7 banks were nationalized in 1980

5. Phase III- Advent of Indian financial and
banking sector reform after 1991-2004

Many products & facilities in banking sector
introduced.

Many ATM’s & foreign banks came into picture.

Phone banking, Internet banking introduced.

Banks diversified into many streams likeMerchant Banking, Mutual funds, Retail Baking,
Factoring, Off-shore Banking , and so on.

6. Growth of Banking & GDP Ratio

7. Phase IV - liberalization 2004
onwards

Foreign banks had liberalization to have up to
74% stake in capital

Customization came into existence

Failure of banking in 2008-2009 because of
crisis

Issues & measures taken under consideration

Growth of industry taking place very fast.

8. Structure of Banking

9. Issues of Banking Industry

Fiscal Uncertainty

NPA’s (Non Performing Assets)

CAMELS Framework

10. NPA’s (Non Performing
Assets)

11. CAMELS Framework
C
– Capital Inadequacy
A
– Asset Quality Exposure
M
– Management & Modernization
E
– Earning
L
–Liquidity
S
–Sensitivity to market risk

12. •Growth in asset quality &
profitability with other emerging
economics banks.
•Banks helps GDP growth &
employment.
•Skills level especially in sales &
marketing, service operation, risk
management, IT.
•Networking, growth branches,
ATM’s.
•Presence of more number of
smaller banks.
•Strong regulatory rules by central
STRENGT
bank.
H
S
W
OPPORTU
-NITIES
•Advancement of Technologies
•Strong asset based would help in
bigger growth.
•Increasing risk management
expertise.
WEAKNE
SS
O
T
TREATHS
•Huge investment in technologies
•Inability to meet the additional
capital requirement.
•Loss of capital to the entire banking
system, due to M&A.
•Rise in inflation figures which would
lead to increase in interest rates.

13. Job Profiles for MBA’s









Credit Risk Analysis
Banking Development
Relationship Managers
Mortgage Banking
Investment Banking (IPO, M&A, Underwriting)
Corporate Credit- Credit Appraisal
Foreign Exchange Consultant
Business Development Executive – Marketing
Operations Department

14. Skills Set Required





Communication Skills
Analytical Skills
IT Skills – Excel*
Convincing Skill
Marketing Skill

15. Entering to Banking Industry
IBPS (Institute of Banking Personnel Selection)
Exam has to be cleared

Requirement:
 Age
group between 20 to 30 years
 Must completed degree from recognized
university

16. FAQ’s

What are Eligibility criteria?


What is the age range for bank jobs?



For post of Clerks – 18 to 28 years.
Fro post of PO/Officer – 21 to 30 years.
Is MBA is necessary?


Aggregate score in degree - 60% or more than that even
59.90 will not be rounded off.
No, Minimum eligibility would be a degree that to from
recognized university.
Does all bank exams have negative marking
scheme?

Yes, because to reduce the number of applications for the
job.

17. THANK YOU FOR
YOUR KIND
ATTENTION..

18. QUERIES
WELCOME..

19. How many of you
wants to go in
BANKING
INDUSTRY..??