The document discusses trends in India's financial sector, including banking, insurance, and capital markets. It notes that banking is dominated by public sector banks, holding 65% of credit. The insurance sector is growing rapidly at 30-35% annually and has potential for further expansion in rural areas. Overall, the financial sector is critical to India's economy but still has opportunities to deepen penetration in rural and underserved areas to further support growth.

1. Present Trends of
Financial Sector in India

2. Table of Contents
S. No. Content Page No.
1 About Financial Sector 4-5
2 Indian Insurance Sector 6
3 Future of Indian Insurance Market 7
4 Structure of Banking 8
5 Market Size 9-10
6 Growth Driver of Banking System 11
7 Job Description 13
8 Desired Candidate Personality 14
9 Compensation Plan, Location 15

3. Present Trends of
Financial Sector in India

4. About Financial Sector
• Financial Sector is the backbone of the economy
and it is indeed critical to nurture the growth of
this important sector in order to ensure sustained
growth rate. When the Indian economy was
liberalized in the year 1991, a road map was also
set forth for financial sector reforms.
• 2nd largest component after trade, hotels,
transport and communication all combined
together in GDP.

5. Financial Sector Includes
• Financial Services :
1. Capital Market
2. Forex Market
3. Asset Management
4. NBFCs (Non-Banking Financial Institutions)
5. MFIs (Microfinance Institutions)
• Banking Sector
• Insurance Sector

6. Indian Insurance Sector
• The US$ 41-billion Indian life insurance industry is
considered the
• 5th largest life insurance market, and
• Growing at 32-34%
• The government is likely to reintroduce the Insurance Bill
which proposes to increase the FDI cap in private sector
insurance companies from 26 % to 49%.
• The health insurance market stood at around us $ 1.5
billion in 2008-09 and is expected to grow to us $ 9 billion
by 2016-17.

7. Future of Indian Insurance Market
Indian Insurance Sector ready to tap Rural India
• A large part of rural India is still untapped due to poor
distribution, large distances & high costs relative to returns
• Assocham stated that semi-urban areas would have a share of
US$ 35 Billion and urban areas would account for US$ 25 Billion
in the US$ 60 Billion industry.
• Life insurance market in semi-urban and rural territories is
expected to rise to US$ 20 Billion mark in the upcoming four
years from the existing value of less than US$ five Billion.

8. Structure of the Banking Industry
Reserve bank of
India
Non-banking
Financial financial
Banks
institutions Institutions
(NBFCs)
Scheduled Commercial
Co-operative Banks
banks
Rural Co-
Regional Urabsn Co-
Public Sector Private Sector Foreign Banks operative
Rural Banks opeartive
Banks (27) Banks (22) (31) Banks
(84) Banks (1,721)
(98,061)

9. Market size
Advances-Deposits of All SCBs Credit composition of Financial Sector
6000000 Entities
5000000
4000000 NBFM-Infra
Rs. Crore
6%
3000000
2000000 0%
Public Banks
1000000 65%
0 HFCs SCBs
2007 2008 2009 2010 2011 4% 85%
Deposits 2696937 3320062 4063201 4746920 5616432 Foreign Banks
Advances 1981236 2476936 2999924 3496720 4298704 4%
Private Banks
CD Ratio 73.5% 74.6% 73.8% 73.7% 76.5% NBFM-Retail
16%
5%
Domestic Credit as % of GDP
300.0%
 India’s banking sector is dominated by
250.0% public sector banks, i.e. 65% of the Gross
200.0% credit suppliers.
150.0%
The Bank credit market in India is lower
100.0%
than the global benchmark on account of
50.0%
lower penetration in the rural areas and
0.0% tier-3 cities. Higher credit % reflects higher
2006 2007 2008 2009 2010 financial inclusion. This clearly reflects that
USA Thailand Malaysia China India lower PCI of rural areas has not attracted
banks to service them.
World average: 169.8%

10. Market size and Cost of Intermediation
Advances-Deposits trend in Public Banks Advances-Deposits trends in Pvt Banks
35.00% 500 140 35%
30.00% 120 30%
In 10,000 Crores
400
In 10,000 Crore
25.00% 100 25%
20.00% 300 80 20%
15.00% 200 60 15%
10.00% 40 10%
100
5.00% 20 5%
0.00% 0 0 0%
2006 2007 2008 2009 2010 2011 2006 2007 2008 2009 2010 2011
Advances Deposits Adv. growth% Dep growth% Deposits Advances
Deposit Growth % Advances Growth %
Spread of Bank Lending and Deposit Rates
6.00%
Cost of Intermediation still remains higher than
5.00% other countries due to small ticket
4.00% size, regulatory cost associated with SLR, CRR and
3.00%
PSA (Priority Sector Advances) on account of
2007
Hawkish monetary policy to contain recent
2.00% 2011
inflationary pressure.
1.00%
0.00%
India Malaysia Thailand Singapore China

11. Growth Drivers for Banking System
• Large number of micro, small and medium
enterprises (MSMEs) with significant growth
opportunities in their respective sectors.
• Large amount of money is remitted by NRI.
• Stringent regulatory framework like RBI
• Adoption of best practices from other countries
• Retail Banking
• Technological Development for Core Banking

12. Corporate sales Exe.
(Selection Perspective)

13. Job Description
• Conduct market research and collect the data of the company in a respective area.
•
• Conduct cold calling and maintain the data of the same.
•
• Create a database of SME accounts and service them.
•
• Responsible for the sourcing of materials from the SME accounts.
•
• Adhere to day to day summing up of accounts and reporting the same to their reporting
Manager.
•
• Establishing and maintaining new and established client relationships.
• Responding to sales inquiries from new and existing customers.
• Maintaining the company’s contact database management with up-to-date
contact, accurate and activity details
• Preparing a variety of sales status reports (monthly/ weekly etc.) that include
activity, follow-up, closings, and adherence to targets

14. Desired Candidate personality
• Good interpersonal and communication skills
• Tenacious work attitude
• Self-motivated and flexible to work under negligible supervision
• Excellent problem solving skills
• Able to persuade and convince others and should have negotiation skills to deal with
different kinds of customers
• An enthusiastic, confident, problem – solving and flexible mindset is important
• Having an emotional and sympathetic approach to people and their problems is an
advantage in this profession
• Good computer application skills such as Microsoft Word, Excel, PowerPoint etc.
• High emotional stability
• Capable of agile cogitating to give quick and accurate response to questions

15. Compensation Plan- The compensation
plan will include a base salary of 2.25 lac p.a.
Location – Delhi/NCR