The document discusses scheduled and unscheduled banks in India. Scheduled banks are further divided into commercial and cooperative banks. It provides statistics on the growth of the Indian economy and banking system from 1991 to 2011, including increases in bank deposits, credit, and number of bank branches. The rest of the document discusses retail banking, factors influencing customer choice between public and private banks based on chi-square testing of survey data, and charts showing male and female perceptions of important banking criteria.

1. PRESENTED BY:
SUDHIR KUMAR(421)
B. SACHIN(411)
J. RAMESH(436)
G. SRINIVAS(440)
T. HARII KUMAR(449)
BRM TERM PARPER
PRESENTATION

2.  The entire organized banking system comprises of
scheduled and non-scheduled banks.
 Scheduled banks
 Unscheduled banks
Scheduled Banks:
 A scheduled bank is a bank that is listed under the
second schedule of the RBI Act, 1934. these banks
have to fulfill certain conditions such as having a
paid up capital and reserves of at least 0.5 million .

3.  Scheduled banks are further classified into
commercial and cooperative banks.
 The basic difference between scheduled
commercial banks and scheduled cooperative
banks is in their holding pattern. Scheduled
cooperative banks are cooperative credit
institutions that are registered under the
Cooperative Societies Act. These banks work
according to the cooperative principles of mutual
assistance

5.  India has grown significantly from a ` 5.15 trillion economy in 1991 to ` 73.1 trillion in
FY11 (a C AGR of 14.2%).
 Aggregate deposits of SC Bs have grown at a C AGR of 17.9% during 1991-2011 to `
52.1 trillion in FY11.
 Bank lending is a significant driver of the economy and has grown at a C AGR of
19.3% during 1991- 2011 to ` 39.4 trillion. Deposits/GDP rose from 37.4% in 1991 to
71.3% in 2011.
 Similarly, bank credit/GDP has grown from 22.6% in 1991 to 53.9% in FY11. Bank
credit to commercial sector increased from 30.3% of GDP in 1990 to 57.6% in 2011.
 Bank offices in India have grown at a C AGR of 2% during 1991-2010 to 87,768 bank
offices in 2010 from 60,220 offices in 1991.
 The average population coverage by a commercial bank branch in urban areas
improved from 12,300 as on Jun 30, 2005 to 9,400 as on Jun 30, 2010.
 And in rural and semi urban areas from 17,200 as on Jun 30, 2005 to 15,900 as on Jun
30, 2010.
 The all India weighted average improved from 15,500 to 13,400.

6.  In India, the penetration of banking services is very low.
Merely, 57% of population has access to a bank account
(savings) and 13% of population has debit cards and 2% has
credit cards.
 This represents the unmet demand and the scope for
expansion for the banks in India.
 Bank deposits are a significant driver of GDP growth and as a
percentage of GDP have grown significantly over the years.
Bank deposits grew 15.9% From ` 44928.3 bn in FY10 to `
52079.8 bn in FY11.

7.  During FY11, time deposits constituted 87.7% and demand
deposits constituted 12.3% of aggregate bank deposits.
 Demand deposits after witnessing a growth of 23.4% in
FY10 declined 0.6% in FY11 whereas time deposits grew
18.7% in FY11 over16.2% in FY10.
 Savings deposits with SC Bs grew 21.2% in FY11 versus
26.2% in FY10. Aggregate deposits of SC Bs, as a percentage
of GDP, were as high as 71.3% in FY11, highlighting the
contribution of the banking sector to the economy.
 The share has seen a constant rise since FY05 when total
deposits of the SC Bs as a percentage of GDP stood at 57.2%.

8.  Retail banking activities are identified based on four
criteria of orientation, granularity, product criterion
and low value of individual exposures.
 Retail banking exposures to one entity is limited to
the extent of 0.2% of the total retail portfolio of the
bank or the absolute limit of Rs. 50 million.
 Retail banking products on the liability side includes
all types of deposit accounts and mortgages and
loans (personal, housing, educational etc) on the
assets side of banks. It also includes other ancillary
products and services like credit cards, demat
accounts etc.

13.  CHECKING THE INDEPENDENCY WITHIN THE
PEOPLE IN SELECTING THE TYPE OF BANK (GOVT
OR PRIVATE BANK)?
ANALYSIS DONE USING CHI-SQUARE TESTING
TO OUR PRIMARY DATA.

14. ACTUAL
Count of GENDER
Row Labels GOVT. PVT. Total
FEMALE 13 6 19
MALE 17 14 31
Grand Total 30 20 50
EXPECTED
Count of GENDER
Row Labels GOVT. PVT. Total
FEMALE 11.4 7.6 19
MALE 10.54 8.68 31
Grand Total 30 19 50
Ho : The number of accounts in Govt. & private banks are independent on gender.
H1 : The number of accounts in Govt. & private banks are dependent on gender.
CONCLUSION
There the p-value is less then alpha (0.05) so we reject the Ho and accept the H1 i.e. there is
dependency on gender the individual accounts and also it says that majority of male and
female members are holding govt. bank accounts which disclose their belief in govt. Banks.
P-VALUE= 0.005

15. ACTUAL
Count of
GENDER Column Labels
Row Labels GOVT. PVT.
Grand
Total
FEMALE 9 10 19
MALE 20 11 31
Grand Total 29 21 50
EXPECTED
Count of
GENDER Column Labels
Row Labels GOVT. PVT.
Grand
Total
FEMALE 11.02 7.98 19
MALE 12.4 6.82 31
Grand Total 29 21 50
Ho : The number of jobs preferred in Govt. & private banks are independent on gender.
H1 : The number of jobs preferred in Govt. & private banks are dependent on gender.
P-VALUE= 0.0044
CONCLUSION= We reject the H0 and accept alternative because p-value is less then
alpha. We conclude that there is a dependency between male & female in preference
of job and also there is less significance difference in male candidate preferring jobs.
Female are more conscious about preferring govt. jobs.

16. ACTUAL
Count of BETTER
CUSTOMER FACILITY
Column
Labels
Row Labels GOVT. PVT. Total
FEMALE 7 12 19
MALE 13 18 31
Grand Total 20 30 50
EXPECTED
Count of BETTER
CUSTOMER FACILITY Column Labels
Row Labels
GOVT
. PVT. Total
FEMALE 7.6 11.4 19
MALE 7.6 11.4 31
Grand Total 20 30 50
P-VALUE= 0.005
Ho: Gender preference's are independent while choosing better customer facilities at
different banks.
H1: Gender preference's are dependent while choosing better customer facilities at different
banks.
CONCLUSION= We reject the H0 & accepting the alternate. We also conclude that Gender
preference's are dependent while choosing better customer facilities at different banks.

17. Count of
LOYALTY Column Labels
Row Labels GOVT. PVT. Total
FEMALE 11 8 19
MALE 20 11 31
Grand Total 31 19 50
Count of
LOYALTY Column Labels
Row Labels GOVT. PVT. Total
FEMALE 11.78 7.22 19
MALE 19.22 11.78 31
Grand Total 31 19 50
P-VALUE=0.639
Ho: Gender preference's are independent while choosing “of being loyal with the
bank”.
H1: Gender preference's are dependent while choosing of being loyal with the bank.
CONCLUSION= We accept the H0 & reject the alternate. We also conclude that Gender
preference's are independent while choosing “of being loyal with the bank”.

18. Row Labels
CUSTOMER
RELATION INTREST RATE
MORE
SECURITY
SERVICE
TIME
TRUS
T
Grand
Total
FEMALE 2 3 8 3 3 19
MALE 1 9 10 6 5 31
Grand Total 3 12 18 9 8 50

19. 0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
CUSTOMER
RELATIONSHIP
INTREST RATE MORE
SECURITY
SERVICE TIME TRUST
MALE
FEMALE
CONTINUE… WITH INTERPRETATION
When comparing male perception with female males are more
conscious in depositing cash in the bank having their own criteria.

20. Row
Labels
CUSTOMER
RELATIONSHIP
INTREST
RATE
MORE
SECURITY SECURITY
SERVICE
TIME TRUST Total
FEMALE 2 6 6 3 2 19
MALE 3 16 2 1 7 2 31
Grand
Total 5 22 8 1 10 4 50

21. 0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
MALE
FEMALE
When comparing male perception with female males are more
conscious in taking loan from the bank having their own criteria.