Banking sector
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This document provides information about a group project on the banking sector in India. The group members are listed. It then provides an overview and history of banking in India. Some key points include: - Agriculture accounts for 39% of employment in India. Banking accounts for 11% of employment. - Banking concepts originated from concepts of baking and fear of theft. Interest was introduced and coins and bills of exchange developed. - Major events in Indian banking history include the establishment of the State Bank of India, nationalization of banks in 1969, and liberalization phases beginning in 1991. - Current banking rules and regulations include capital adequacy ratios, prudential norms, and priority sector lending. Tre
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Banking sector
- 1. GROUP MEMBERS PRATIK AWASARE SAIPRASAD ARUGONDA KIRAN KARANJKAR TEJESWINI MODEKAR PREETY TALEKAR
- 2. BANKING SECTOR Continuous Reformation For #ACCHE DIN
- 3. OUTLINE Overview History World India Govt Rules & Regulation Since 1991 Current Trend SWOT
- 4. Credit in Knowledge bank 1. Before RBI which bank had an authority to print a paper currency? State Bank Of India. 2. Which is the bank who introduced ATM in India? HSBC 3. A bank who introduced internet banking in India ICICI 4. Which Is the 1st Indian bank open its branch outside of India? Bank of India 5. Which is the bank who introduced credit card in India? Citibank
- 5. Overview
- 7. Overview Agriculture 39% Indian Railway 17% Information Technology 12% Banking 11% Construction & Manufacturing 8% Education 7% Transportation 4% Mining 1% Others 1% EMPLOYMENT BY SECTOR 2013-14
- 8. Overview
- 9. Overview
- 10. HISTORY BC 18th Century BC 4th Century AD 13TH -14TH Century • Born of ‘baking’ concept • Fear of steal & loot by thieves • ‘Interest’ concept introduced • Political system ruled by corrupt church priest • Introduced ‘Coins’ & ‘Bill Of Exchange’ • Transaction currency & Promissory note
- 11. HISTORY AD 16th Century 1668 1821 • Born of ‘cheque’ concept • Complexity of ‘Bill Of Exchange’ • 1st National bank • Baneo dell plaza + Sweden country= Bank Of Sweden • Introduced Paper currency in financial system
- 12. Bank Of Calcutta+Madras+Bomb ay=SBI 1839 Union Bank 1865 Allahabad Bank 1885 B.O.I C.B.I Bank of Baroda 1913 Canara Bank NATIONALISATION BANKS 1. By private Authority 2. Corruption, mismanagement 19th July 1969 14 banks nationalized. 80% under Indian Govt. Deposits & Advance jumped by 110% . LIBERALISATION PHASE M NARSIMHAM COMMITTEE Liberalisation banking practice Convenient & Swift 1.Foreign Banks & ATM 2.Net & Mobile banking 3.Satisfactory service 4Time-important factor INDIAN HISTORY
- 13. CURRENT SYSTEM
- 14. RULES & REGULATION LEVERAGE RATIO CAPITALBUF -FER SIZE ASSET LIABILITY MANAGEMENT KYC Credit information BASAL 3
- 15. RULES & REGULATION • SUPERVISION OF FINANCIAL CONGLOMERATE • REGULATION OF NBFC • RESTRICTION OF EXTERNAL DEBT • COMPENSATION OF CEOS • LIMIT ON INTERBANK EXPOSURES • CORPORATE GOVERNANCE
- 16. • MEASURE OF LEVERAGE • DERIVATIVES • SECURITISATION • ACCOUNTING POLICIES • MANAGEMENT OF CONCENTRATION RISK • LIQUIDITY BUFFERS • CAPITAL REQUIREMENTS RULES & REGULATION
- 17. GROWTH RATE Strengthening Measure Operational Flexibility Measure Other Measures 1. Capital Adequate Ratio 2. Prudential Norms 3. Transparency & Disclosure 1. Reduction of CRR & SLR 2. De-regulated interest rate 3. Freedom of oeration 1. Private Sector Participation 1. Recovery of dues 1. Priority Sector lending SINCE 1991
- 18. A. New area's for bank financing B. Risk management system in bank C. Increase in FDI in private bank D. Merger and amalgamation of banks E. Management of NPA's F. Anti money laundering guidelines G. Technology infrastructure CURRENT TREND
- 19. • Entries of foreign banks • Foreign disinvestment • NPA • Debt recovery • ‘#Achhe Din’ oriented budget • Innovative pvt ltd • Jan Dhan Yojana • Alternative banks • Redtapism & bureaucracy • Lack of product differentiation • Low Penetration • Strong bank Index • Brilliant policy maker • Upgrade system • Quality asset management STRENGTH WEAKNESS THREATSOPPORTUNITY SWOT
- 20. THANK YOU