E volution of Banking

 • Pre-Independence                            • Post-Independence

      Owdh Commercial Bank(1881)                   Nationalization of Banks


                                                  Imperial Bank of India brought
      Punjab National Bank (1895)
                                                  under public ownership (1955)


 The Bank of India (1906), Bank of Baroda            Formation of State Bank
Ltd (1908), Central Bank of India Ltd (1911)            Group (1955-59)


      Reserve Bank of India (1935)                 Emergence of New Private
                                                     Sector Banks (1993)
STRUCTURE OF FINANCIAL INSTITUTION IN INDIA



• Unorganized Sector or
  Non-Institutional Sources



• Organized Sector or
  Institutional Sources
Non-Institutional Sources in India



                                       Money Lenders



                                                            Professionals



                                                          Non-Professionals



                                                                                  Landlords



                                                                                 Agriculturists



                                     Indigenous Bankers



                                                            Professionals



                                                                                  Marvaries



                                                                                  Multanies



                                                          Non-Professionals



                                                                                   Traders



                                                                              Commission Agents



                                      Nidhis, Chit Fund
Organized Sector
Banking
institution

              Commercial
                 bank

                                                     Public
                                                   sector bank

                                                                              State bank
                                                                                group

                                                                                                      State bank
                                                                                                        of India

                                                                                                      subsidiary
                                                                                                        banks

                                                                             Nationalized
                                                                                 bank

                                                     Private
                                                   sector bank


                                 Indian                                     Foreign

                                                      Old private
                                                     sector banks

                                                      new private
                                                     Sector banks

               Regional
              rural banks

              Cooperative
                 bank

                            State cooperative
                                   bank


                                                DistrictCooperative Bank


                                                                           Primary Credit Societies
Banking
institution

              Commercial
                 bank

                                                     Public
                                                   sector bank

                                                                              State bank
                                                                                group

                                                                                                      State bank
                                                                                                        of India

                                                                                                      subsidiary
                                                                                                        banks

                                                                             Nationalized
                                                                                 bank

                                                     Private
                                                   sector bank


                                 Indian                                     Foreign

                                                      Old private
                                                     sector banks

                                                      new private
                                                     Sector banks

               Regional
              rural banks

              Cooperative
                 bank

                            State cooperative
                                   bank


                                                DistrictCooperative Bank


                                                                           Primary Credit Societies
Commercial
                                                   Banks




           Public                                                                             Private
         sector bank                                                                        sector bank




State bank                Nationalized
                                                                               Indian                       Foreign
  group                       bank




                                                                                                        •Abn Amro
             State bank                                      Old private                 new private    •Yes Bank
                                   Punjab National Bank
               of India                                     sector banks                Sector banks    •Citi Bank
                                                                                                        •HSBC Bank




                                                                                   •HDFC Bank Ltd
                                                          •Karur Vysya Bank
             Subsidiary                                                            •ICICI Bank Ltd
                                                          •Lord Krishna Bank
               banks                                                               •IndusInd Bank Ltd
                                                          •Fedral Bank
                                                                                   •UTI Bank Ltd
SE RVICE S PROVIDE D BY THE PRIVATE SE CTOR
                   BANKS
  Corporate Bank Services /        24-Hours Phone Banking
  Wholesale Banking Services       Bill Pay
  Retail Banking                   Safe Deposit Lockers
  Saving Bank Account              Debit Cards & Credit cards
  Fixed Deposit                    Free Investment Advisory
  Current Account                  Services
  Corporate Salary Account         Banking Through Mobile
                                   Phones
  Internet Banking Services
                                   Free Home Services
  Demat Services
                                   Bancassurance, etc
  Inter Branch Network
  Automated Teller Machine (ATM)

Evolution of banking

  • 1.
    E volution ofBanking • Pre-Independence • Post-Independence Owdh Commercial Bank(1881) Nationalization of Banks Imperial Bank of India brought Punjab National Bank (1895) under public ownership (1955) The Bank of India (1906), Bank of Baroda Formation of State Bank Ltd (1908), Central Bank of India Ltd (1911) Group (1955-59) Reserve Bank of India (1935) Emergence of New Private Sector Banks (1993)
  • 2.
    STRUCTURE OF FINANCIALINSTITUTION IN INDIA • Unorganized Sector or Non-Institutional Sources • Organized Sector or Institutional Sources
  • 3.
    Non-Institutional Sources inIndia Money Lenders Professionals Non-Professionals Landlords Agriculturists Indigenous Bankers Professionals Marvaries Multanies Non-Professionals Traders Commission Agents Nidhis, Chit Fund
  • 4.
  • 5.
    Banking institution Commercial bank Public sector bank State bank group State bank of India subsidiary banks Nationalized bank Private sector bank Indian Foreign Old private sector banks new private Sector banks Regional rural banks Cooperative bank State cooperative bank DistrictCooperative Bank Primary Credit Societies
  • 6.
    Banking institution Commercial bank Public sector bank State bank group State bank of India subsidiary banks Nationalized bank Private sector bank Indian Foreign Old private sector banks new private Sector banks Regional rural banks Cooperative bank State cooperative bank DistrictCooperative Bank Primary Credit Societies
  • 7.
    Commercial Banks Public Private sector bank sector bank State bank Nationalized Indian Foreign group bank •Abn Amro State bank Old private new private •Yes Bank Punjab National Bank of India sector banks Sector banks •Citi Bank •HSBC Bank •HDFC Bank Ltd •Karur Vysya Bank Subsidiary •ICICI Bank Ltd •Lord Krishna Bank banks •IndusInd Bank Ltd •Fedral Bank •UTI Bank Ltd
  • 8.
    SE RVICE SPROVIDE D BY THE PRIVATE SE CTOR BANKS Corporate Bank Services / 24-Hours Phone Banking Wholesale Banking Services Bill Pay Retail Banking Safe Deposit Lockers Saving Bank Account Debit Cards & Credit cards Fixed Deposit Free Investment Advisory Current Account Services Corporate Salary Account Banking Through Mobile Phones Internet Banking Services Free Home Services Demat Services Bancassurance, etc Inter Branch Network Automated Teller Machine (ATM)