This document provides an overview of the banking sector in India. It discusses the history and evolution of banking in India including the establishment of public sector banks, private sector banks, foreign banks, cooperative banks, and other financial institutions. It also summarizes the roles of the Reserve Bank of India and provides examples of prominent public and private sector banks in India as well as foreign banks operating in the country. Finally, it outlines various career opportunities and job profiles for MBAs in the promising banking sector.

1. Banking SectorThe Promising futurePresented by:ZeeshanShaikhSurya RanaPrashantVermaParvazShaikhTahaaLokhandwala

2. Banking The word bank was borrowed from Middle French word banque , bank "bench, counter".

3. A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets.

4. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location.

5. Commercialbanks :

6. Public sector

7. Private sector

8. Foreign Banks

9. Cooperative Institutions :

10. Urban cooperative banks

11. State cooperative banks

12. Central cooperative banksFinancial institutions :

13. All-India Financial Institutions (AIFIs)

14. State Financial Corporations (SFCs)

15. State Industrial Development Corporations (SIDCs)

16. Nonbanking Financial Companies (NBFCs)

17. Capital Market IntermediariesReserve Bank of IndiaThe central banking system of India

18. Controls the monetary policy of the rupee as well as currency reserves

19. The main monetary authority of the country

20. The manager of exchange control

21. The bank issues and exchanges or destroys currency and coins not fit for circulation

22. 1. State Bank of India Group:Largest state-owned banking and financial services company in India, by almost every parameter - revenues, profits, assets, market capitalization131 Foreign offices in 32 countries across the globe21000 ATMs and SBI group(including associate banks) has about 45000 no of ATMs26500 branches, inclusive of branches that belong to its Associate banks29th most reputed company in the world according to Forbes

23. 2. Nationalized banks (19 banks): In 1969, the Government arranged the nationalization of 14 scheduled commercial banks in order to expand the branch network, followed by six more in 1980 In contrast to the state bank group, nationalized banks are centrally Governed, i.e. by their respective head offices List Of Nationalized Banks:

25. 3. Regional Rural Banks (RRBs):Regional Rural Banks (RRBs): In 1975, RRBs were set up by RBI in partnership with individual states to provide low-cost financing and credit facilities to the rural masses

26. As on 2006, there were 133 RRBs covering 525 districts with a network of 14,494 branches RRBs were originally conceived as low cost institutions having a rural ethos, local feel and pro poor focusPrivate Banks in IndiaPrivate banking is a term for banking and other financial services provided by banks to private individuals

27. In the early 1990 government embarked on a policy of liberalization, licensing a small number of private banks These came to be known as New Generation tech-savvy banks, and includedGlobal Trust BankThus, public sector banks revived to take up leading role in the banking structureIn 1980, the GOI nationalized 6 more commercial banks, with control over 91% of banking business of India

28. Liberalization along with the rapid growth in the economy of India, revitalized the banking sector in India

29. Then Housing Development Finance principle' approval from the HDFC became the first to receive an invite from (RBI) to set up a bank in the private sector

30. Have made the banking services more efficient and customer friendly

31. For potential customers, the Bank provides a wide range of commercial and transactional banking services, including:Target market Agri-based businessesBlue chip companies.Small & mid-sized corporate

32. Major private banks in India are:

33. Foreign BanksForeign Banks are not new phenomena in Indian bank in system. Standard Charted Bank started its operation in 1858 and Citi Bank opened its branch in India in 1902However, globalization and economic policies implemented in late 1980s encouraged many international banks to open their shops hereAt almost all the international banks are operating in India

34. Foreign banks in India have brought the latest technology and new banking practices. This helped the domestic banks to improve their performance and provide better customer serviceAnd it has led to Employment Generation in IndiaPresent there are 29 foreign banks are operating in India and some of the important foreign banks in India are:

35. 3-6-3 Rule – An unofficial banking rule !!3-6-3 is an “UNOFFICIAL RULE” under which the banking industry once operated and which alludes to it being noncompetitive and simplistic.

36. Banking industry of the 1950s, 1960s, and 1970s is often described as operating according to a 3-6-3 rule .

37. The rule basically explains:

38. How bankers would give 3% interest on depositors’ accounts

39. Lend the depositors money at 6% interest and

40. Then be playing golf at 3pmThis alludes to how a bank’s only form of business is lending out money at a higher rate than what it is paying out to its depositors..