Minakshi Dattatraya Bhosale "Indian Banking Sector at a Glance", International Research Journal of Engineering and Technology (IRJET), Volume2,issue-01 April 2015.e-ISSN:2395-0056, p-ISSN:2395-0072. www.irjet.net
Abstract
Banking Industry is a piece of the economy in the world. Today we are placed in the time of globalization around the world. Worldwide acquaintances have acknowledged globalization as their first vital decision. Improvement in technology has encouraged globalization also. E-commerce, e-marketing, e-banking are today’s buzzwords. Banks have transformed them and are offering services through the Internet. Remarkably overriding element in the Indian economy and the financial sector was assumed by overseeing an accounting industry. The Indian financial sector underwent a sweeping change during the nineties. From the moderately closed and regulated environment in which agents had to operate earlier, the sector was launched up as part of the efficiency; enhancing structural policies bring about high sustainable long-term growth of the economy. The banking sector in India has come upon a speedy transformation. The actual primary purpose behind this change is the result of the enhanced security and encryption routines created on the Internet. The second reason is banks would be unwilling to lose a potential market share to banks that are willing to offer their services on the Internet. As banks rely increasingly on information technology and the Internet to carry on their business and interact with the market, technology risks will potentially increase, both for individual banks and the financial industry at large. Continuous technology advances and innovations are having significant impact on the way banks interact with their customers, suppliers and counterparts. This research paper focused on growth of Indian banking Industry. It mainly focused on Private and Public banks in India.
The document provides an overview of the banking industry in India. It discusses the history and evolution of banking in India from the earliest banks established in the late 18th century to the modern banking system. It describes the key types of banks that operate in India including central banks, commercial banks (public sector banks, private sector banks, and foreign banks), cooperative banks, and development banks. It also outlines the major products and services offered by banks, including accepting deposits and granting loans and advances.
This document discusses various specialized financial institutions in India that provide financing for projects and businesses. It describes the roles of commercial banks, Industrial Finance Corporations of India (IFCI), Industrial Development Bank of India (IDBI), Industrial Credit and Investment Corporation of India (ICICI), Small Industries Development Bank of India (SIDBI), State Financial Corporations (SFCs), venture capital funding, and angel capitalists. It provides details on the objectives, functions and types of loans/assistance offered by each institution.
Banks play a critical role in economic development by financing businesses and individuals. In India, banks cater to vast numbers of savers and provide financing needed for corporate and individual needs. Over time, banks have evolved, taking on new forms and services in response to economic changes. Today commercial banks in India accept deposits, provide loans, facilitate payments, support trade and development, and offer additional financial products and services.
Axis Bank was the first new private sector bank established in India in 1994. It is jointly owned by UTI, LIC, GIC and other PSU insurance companies. As of 2010, Axis Bank had over 1,000 branches across India and one of the largest ATM networks in the country. It offers a wide range of banking products and services including investment banking, corporate banking, retail banking, private banking, investment management, mortgage loans, and credit cards. Axis Bank has seen steady growth over the last few years and aims to differentiate itself from other large private banks through its business strategy.
The document provides an overview of financial systems and markets. It discusses key concepts like financial institutions, banking institutions, non-banking financial institutions, financial markets, capital markets, money markets, and financial sector reforms in India. It describes the functions of various financial institutions in India and the types of risks faced by them like credit risk and interest rate risk. It also summarizes the reforms undertaken in the Indian financial system to make it more efficient and responsive.
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
Presentation on banking sector needs consolidationPankajSingla
This document discusses various topics related to banking in India, including types of banks, facilities offered by banks, adoption of banking technology, consolidation in the banking sector, and functions of the Reserve Bank of India. It notes that consolidation can provide benefits like growth, universal banking models, synergy benefits, and strategic and market advantages. However, challenges include integrating people and technology between merging banks.
1. Banks engage in traditional functions like accepting deposits, lending, and facilitating money transfers. They also offer secondary services like investment management, letter of credit issuance, and foreign exchange.
2. Banking in India consists of public sector banks, private sector banks, cooperative banks, and specialized development banks. The Reserve Bank of India acts as the central bank, regulating the financial system and managing monetary policy.
3. Banks engage in various types of relationships with customers, acting as creditors, trustees, agents, and providing services like deposits, loans, credit/debit cards, and merchant banking.
The document provides an overview of the banking industry in India. It discusses the history and evolution of banking in India from the earliest banks established in the late 18th century to the modern banking system. It describes the key types of banks that operate in India including central banks, commercial banks (public sector banks, private sector banks, and foreign banks), cooperative banks, and development banks. It also outlines the major products and services offered by banks, including accepting deposits and granting loans and advances.
This document discusses various specialized financial institutions in India that provide financing for projects and businesses. It describes the roles of commercial banks, Industrial Finance Corporations of India (IFCI), Industrial Development Bank of India (IDBI), Industrial Credit and Investment Corporation of India (ICICI), Small Industries Development Bank of India (SIDBI), State Financial Corporations (SFCs), venture capital funding, and angel capitalists. It provides details on the objectives, functions and types of loans/assistance offered by each institution.
Banks play a critical role in economic development by financing businesses and individuals. In India, banks cater to vast numbers of savers and provide financing needed for corporate and individual needs. Over time, banks have evolved, taking on new forms and services in response to economic changes. Today commercial banks in India accept deposits, provide loans, facilitate payments, support trade and development, and offer additional financial products and services.
Axis Bank was the first new private sector bank established in India in 1994. It is jointly owned by UTI, LIC, GIC and other PSU insurance companies. As of 2010, Axis Bank had over 1,000 branches across India and one of the largest ATM networks in the country. It offers a wide range of banking products and services including investment banking, corporate banking, retail banking, private banking, investment management, mortgage loans, and credit cards. Axis Bank has seen steady growth over the last few years and aims to differentiate itself from other large private banks through its business strategy.
The document provides an overview of financial systems and markets. It discusses key concepts like financial institutions, banking institutions, non-banking financial institutions, financial markets, capital markets, money markets, and financial sector reforms in India. It describes the functions of various financial institutions in India and the types of risks faced by them like credit risk and interest rate risk. It also summarizes the reforms undertaken in the Indian financial system to make it more efficient and responsive.
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
Presentation on banking sector needs consolidationPankajSingla
This document discusses various topics related to banking in India, including types of banks, facilities offered by banks, adoption of banking technology, consolidation in the banking sector, and functions of the Reserve Bank of India. It notes that consolidation can provide benefits like growth, universal banking models, synergy benefits, and strategic and market advantages. However, challenges include integrating people and technology between merging banks.
1. Banks engage in traditional functions like accepting deposits, lending, and facilitating money transfers. They also offer secondary services like investment management, letter of credit issuance, and foreign exchange.
2. Banking in India consists of public sector banks, private sector banks, cooperative banks, and specialized development banks. The Reserve Bank of India acts as the central bank, regulating the financial system and managing monetary policy.
3. Banks engage in various types of relationships with customers, acting as creditors, trustees, agents, and providing services like deposits, loans, credit/debit cards, and merchant banking.
The document discusses various types and functions of banks. It describes the different types of banks based on ownership (public sector, private sector, cooperative), organizational structure (scheduled, non-scheduled), field of work (commercial, agricultural, industrial), registration (scheduled, non-scheduled), area (local, national, global), location (urban, rural), and branches (unit banks, banks with branches). It also outlines key functions of commercial banks such as accepting deposits, lending money, making investments, and facilitating inter-bank transactions.
The document discusses the Banking, Financial Services, and Insurance (BFSI) sector in India. It analyzes the sector and discusses two major players, Axis Bank and State Bank of India (SBI). Axis Bank is the third largest private sector bank in India and offers a wide range of financial products and services. It has outsourced several functions like ATM management and maintenance to companies like Hitachi, Prizm Payments, and IBM to reduce costs. Similarly, SBI, being a large public sector bank, has outsourced operations like IT, back-office processing, and customer support to manage its vast network effectively. Outsourcing non-core functions allows banks to focus on their core banking activities and
The document provides an overview of the banking industry in India. It discusses the types and functions of banks in India, including commercial banks which are divided into retail banking, treasury banking, and wholesale banking. It outlines the history of banking in India from the 4th century BC through phases of nationalization. It also discusses the key regulators of the financial sector in India and provides data on the growth and performance of the banking system. Finally, it categorizes the different types of banks operating in India including private, public, foreign and cooperative banks.
The document discusses the Indian banking sector. It provides definitions and descriptions of the different types of banks in India including public sector banks which are government owned, private sector banks which are privately owned and focus on profit, and cooperative banks which are owned by customers. It also discusses the history of banking in India and lists the top 10 banks. It then provides more detail about the public sector bank State Bank of India and the private sector bank HDFC Bank, discussing their services, financials, and ratings/reviews.
This document provides an overview of financial institutions, including their meaning, functions, types, and examples. It discusses banking institutions like public sector banks, private sector banks, and cooperative banks. It also discusses non-banking financial institutions and provides examples like NABARD, IDBI, IFCI, and EXIM Bank. The document concludes that while India has a full range of financial institutions, their operations could be improved to make them more effective.
Banking has evolved significantly with advances in technology. Traditionally, banks accepted deposits and issued loans but now offer many innovative services enabled by IT. Core banking solutions and online/mobile banking allow transactions without visiting branches. This has improved productivity, efficiency and customer service while reducing costs. Technology is now a key driver of banking business and continued innovation is important for growth and competitiveness.
ROLE OF CREDIT RATING AGENCIES ON LOAN ON BANK OF BARODAVaishali Upadhyay
This document is a project report submitted by Vaishali Sunil Upadhyay to Indira Institute of Business Management in partial fulfillment of an MMS degree from the University of Mumbai. The report examines the role of credit rating agencies in respect of loan portfolios of Bank of Baroda. It includes a declaration by the student, a certificate signed by the project guide, and acknowledgements. The report will analyze data and make recommendations on the topic.
The document provides an introduction to the Indian banking system. It defines what a bank is, outlines key terms like deposits, loans, interest rates and required reserve ratios. It describes the major constituents of the Indian banking system, including the Reserve Bank of India, State Bank of India, commercial banks, regional rural banks, cooperative banks and development banks. It also discusses the roles banks play in mobilizing savings, credit creation, export promotion, and economic development overall.
savings bank account services by karnataka bankAprameya joshi
the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
The document summarizes the banking, financial services, and insurance (BFSI) sector in India. It discusses the history and growth of banking, financial services, and insurance in India. It also describes the structure and future prospects of the BFSI sector, which is an important industry in India and expected to experience continued growth.
This document discusses various financial concepts including types of taxes, sources of borrowing, loans, the role of the Reserve Bank of India, consumer rights, types of bank accounts, and new banking technologies. It provides information on direct and indirect taxes, internal and external sources of borrowing, the definition of a loan, and functions of the RBI like issuing currency and regulating banks. It also outlines consumer rights, the four main types of bank accounts, and technologies like internet banking, mobile banking, RTGS, and NEFT.
Commercial banks play a vital role in a country's economic development by providing short-term loans and credit. They accept deposits from the public and use those funds to issue loans. In India, many commercial banks were nationalized in 1969 and 1980 in order to increase government control over credit and promote lending to priority sectors like agriculture. Nationalized banks have expanded branches, especially in rural areas, but still need to improve lending and deposit mobilization. Commercial banks perform functions like accepting deposits, lending funds, operating checking accounts, and transferring money. They include public sector banks, private banks, foreign banks, and regional rural banks.
Scheduled commercial banks in India must meet certain criteria set by the Reserve Bank of India, such as maintaining a minimum paid capital and funds. These banks can access loans from the RBI and automatically become members of the clearing house. The main types of scheduled commercial banks are public sector banks, private sector banks, foreign banks, and regional rural banks. The key differences between scheduled commercial banks and regular commercial banks are that scheduled banks must meet RBI's criteria and enjoy special facilities, while commercial banks exist globally without these distinguishing Indian features.
Role and policy measures relating to development banks and financial institution in India, products and services offered by IFCI, IDBI, IIBI, SIDBI, IDFCL, EXIM Bank, NABARD and ICICI Meaning and benefits of mutual funds, types of mutual funds, SEBI guidelines relating to mutual funds.
Banking:- Role - Structure - Public sector and private sector banks - schedul...Mohammed Jasir PV
Banking:-
Role of banks in business
Structure of commercial banking in India
Public sector and private sector banks - scheduled banks
Foreign banks new generation banks
Functions of commercial banks
Changing scenario in commercial Banking.
Public sector banks emerged in India with the nationalization of Imperial Bank of India in 1955. Major subsequent nationalizations took place in 1969 and 1980. There are currently 21 public sector banks. State Bank of India is the largest public sector bank in India after merging with its associate banks in 2017. Public sector banks are considered safer than private banks as they are owned by the government and have lower minimum balance requirements. Public sector banks also offer better deals on loans with lower processing fees and interest rates that apply to existing customers when rates are lowered. They also have more flexible terms for prepayment of loans without penalties.
Development of financial institutions in NepalPawan Kawan
Financial institutions play a key role in the economy by facilitating transactions and the flow of money. In Nepal, there are various types of financial institutions that serve different functions:
- Commercial banks accept deposits and provide business loans and basic investment services. Nepal's first commercial bank was Nepal Bank Ltd.
- Development banks like the Nepal Development Bank Limited provide medium and long-term financing to support sectors like industry and agriculture.
- Other financial institutions in Nepal include finance companies, microcredit banks, cooperatives, and non-governmental organizations. As of 2012 there were over 300 registered financial institutions operating in Nepal.
This document provides an introduction to banking and loans. It defines banking as accepting deposits from the public that are repayable on demand and can be withdrawn by cheque. It also defines a loan as the lending of money from one entity to another at an interest rate, with the borrower obligated to repay the principal plus interest. The document then discusses various types of bank loans like personal, home, car, and business loans. It provides an overview of the Indian banking sector and lists various initiatives and developments in the industry.
This document discusses various types of financial institutions in India that provide funding for industrial and economic development. It outlines development financial institutions like the World Bank and IMF that provide medium and long-term funding. It then describes different Indian institutions like IFCI, IDBI, ICICI, and EXIM that provide term loans and refinancing. It also discusses investment institutions like LIC and GIC that collect funds and make investments. The document provides details on the purpose, establishment year, funding sources, and assistance provided by these various financial institutions in India.
This document discusses the introduction and growth of internet banking. It begins with an overview of information technology and how technological developments led to the evolution of internet banking. It describes how information technology transformed the banking sector by allowing banks to offer new digital services and connect with customers remotely through online and mobile banking. The document then discusses some of the key benefits that technology provided banks, such as increased productivity, cost efficiencies, and the ability to develop customized products and services for different customer segments. Finally, it explains how information technology freed banks from physical branch constraints and created new opportunities to build closer relationships with customers.
The document discusses various types and functions of banks. It describes the different types of banks based on ownership (public sector, private sector, cooperative), organizational structure (scheduled, non-scheduled), field of work (commercial, agricultural, industrial), registration (scheduled, non-scheduled), area (local, national, global), location (urban, rural), and branches (unit banks, banks with branches). It also outlines key functions of commercial banks such as accepting deposits, lending money, making investments, and facilitating inter-bank transactions.
The document discusses the Banking, Financial Services, and Insurance (BFSI) sector in India. It analyzes the sector and discusses two major players, Axis Bank and State Bank of India (SBI). Axis Bank is the third largest private sector bank in India and offers a wide range of financial products and services. It has outsourced several functions like ATM management and maintenance to companies like Hitachi, Prizm Payments, and IBM to reduce costs. Similarly, SBI, being a large public sector bank, has outsourced operations like IT, back-office processing, and customer support to manage its vast network effectively. Outsourcing non-core functions allows banks to focus on their core banking activities and
The document provides an overview of the banking industry in India. It discusses the types and functions of banks in India, including commercial banks which are divided into retail banking, treasury banking, and wholesale banking. It outlines the history of banking in India from the 4th century BC through phases of nationalization. It also discusses the key regulators of the financial sector in India and provides data on the growth and performance of the banking system. Finally, it categorizes the different types of banks operating in India including private, public, foreign and cooperative banks.
The document discusses the Indian banking sector. It provides definitions and descriptions of the different types of banks in India including public sector banks which are government owned, private sector banks which are privately owned and focus on profit, and cooperative banks which are owned by customers. It also discusses the history of banking in India and lists the top 10 banks. It then provides more detail about the public sector bank State Bank of India and the private sector bank HDFC Bank, discussing their services, financials, and ratings/reviews.
This document provides an overview of financial institutions, including their meaning, functions, types, and examples. It discusses banking institutions like public sector banks, private sector banks, and cooperative banks. It also discusses non-banking financial institutions and provides examples like NABARD, IDBI, IFCI, and EXIM Bank. The document concludes that while India has a full range of financial institutions, their operations could be improved to make them more effective.
Banking has evolved significantly with advances in technology. Traditionally, banks accepted deposits and issued loans but now offer many innovative services enabled by IT. Core banking solutions and online/mobile banking allow transactions without visiting branches. This has improved productivity, efficiency and customer service while reducing costs. Technology is now a key driver of banking business and continued innovation is important for growth and competitiveness.
ROLE OF CREDIT RATING AGENCIES ON LOAN ON BANK OF BARODAVaishali Upadhyay
This document is a project report submitted by Vaishali Sunil Upadhyay to Indira Institute of Business Management in partial fulfillment of an MMS degree from the University of Mumbai. The report examines the role of credit rating agencies in respect of loan portfolios of Bank of Baroda. It includes a declaration by the student, a certificate signed by the project guide, and acknowledgements. The report will analyze data and make recommendations on the topic.
The document provides an introduction to the Indian banking system. It defines what a bank is, outlines key terms like deposits, loans, interest rates and required reserve ratios. It describes the major constituents of the Indian banking system, including the Reserve Bank of India, State Bank of India, commercial banks, regional rural banks, cooperative banks and development banks. It also discusses the roles banks play in mobilizing savings, credit creation, export promotion, and economic development overall.
savings bank account services by karnataka bankAprameya joshi
the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
The document summarizes the banking, financial services, and insurance (BFSI) sector in India. It discusses the history and growth of banking, financial services, and insurance in India. It also describes the structure and future prospects of the BFSI sector, which is an important industry in India and expected to experience continued growth.
This document discusses various financial concepts including types of taxes, sources of borrowing, loans, the role of the Reserve Bank of India, consumer rights, types of bank accounts, and new banking technologies. It provides information on direct and indirect taxes, internal and external sources of borrowing, the definition of a loan, and functions of the RBI like issuing currency and regulating banks. It also outlines consumer rights, the four main types of bank accounts, and technologies like internet banking, mobile banking, RTGS, and NEFT.
Commercial banks play a vital role in a country's economic development by providing short-term loans and credit. They accept deposits from the public and use those funds to issue loans. In India, many commercial banks were nationalized in 1969 and 1980 in order to increase government control over credit and promote lending to priority sectors like agriculture. Nationalized banks have expanded branches, especially in rural areas, but still need to improve lending and deposit mobilization. Commercial banks perform functions like accepting deposits, lending funds, operating checking accounts, and transferring money. They include public sector banks, private banks, foreign banks, and regional rural banks.
Scheduled commercial banks in India must meet certain criteria set by the Reserve Bank of India, such as maintaining a minimum paid capital and funds. These banks can access loans from the RBI and automatically become members of the clearing house. The main types of scheduled commercial banks are public sector banks, private sector banks, foreign banks, and regional rural banks. The key differences between scheduled commercial banks and regular commercial banks are that scheduled banks must meet RBI's criteria and enjoy special facilities, while commercial banks exist globally without these distinguishing Indian features.
Role and policy measures relating to development banks and financial institution in India, products and services offered by IFCI, IDBI, IIBI, SIDBI, IDFCL, EXIM Bank, NABARD and ICICI Meaning and benefits of mutual funds, types of mutual funds, SEBI guidelines relating to mutual funds.
Banking:- Role - Structure - Public sector and private sector banks - schedul...Mohammed Jasir PV
Banking:-
Role of banks in business
Structure of commercial banking in India
Public sector and private sector banks - scheduled banks
Foreign banks new generation banks
Functions of commercial banks
Changing scenario in commercial Banking.
Public sector banks emerged in India with the nationalization of Imperial Bank of India in 1955. Major subsequent nationalizations took place in 1969 and 1980. There are currently 21 public sector banks. State Bank of India is the largest public sector bank in India after merging with its associate banks in 2017. Public sector banks are considered safer than private banks as they are owned by the government and have lower minimum balance requirements. Public sector banks also offer better deals on loans with lower processing fees and interest rates that apply to existing customers when rates are lowered. They also have more flexible terms for prepayment of loans without penalties.
Development of financial institutions in NepalPawan Kawan
Financial institutions play a key role in the economy by facilitating transactions and the flow of money. In Nepal, there are various types of financial institutions that serve different functions:
- Commercial banks accept deposits and provide business loans and basic investment services. Nepal's first commercial bank was Nepal Bank Ltd.
- Development banks like the Nepal Development Bank Limited provide medium and long-term financing to support sectors like industry and agriculture.
- Other financial institutions in Nepal include finance companies, microcredit banks, cooperatives, and non-governmental organizations. As of 2012 there were over 300 registered financial institutions operating in Nepal.
This document provides an introduction to banking and loans. It defines banking as accepting deposits from the public that are repayable on demand and can be withdrawn by cheque. It also defines a loan as the lending of money from one entity to another at an interest rate, with the borrower obligated to repay the principal plus interest. The document then discusses various types of bank loans like personal, home, car, and business loans. It provides an overview of the Indian banking sector and lists various initiatives and developments in the industry.
This document discusses various types of financial institutions in India that provide funding for industrial and economic development. It outlines development financial institutions like the World Bank and IMF that provide medium and long-term funding. It then describes different Indian institutions like IFCI, IDBI, ICICI, and EXIM that provide term loans and refinancing. It also discusses investment institutions like LIC and GIC that collect funds and make investments. The document provides details on the purpose, establishment year, funding sources, and assistance provided by these various financial institutions in India.
This document discusses the introduction and growth of internet banking. It begins with an overview of information technology and how technological developments led to the evolution of internet banking. It describes how information technology transformed the banking sector by allowing banks to offer new digital services and connect with customers remotely through online and mobile banking. The document then discusses some of the key benefits that technology provided banks, such as increased productivity, cost efficiencies, and the ability to develop customized products and services for different customer segments. Finally, it explains how information technology freed banks from physical branch constraints and created new opportunities to build closer relationships with customers.
Banks play a key role in the Indian financial market as the largest providers of credit and attractors of savings. They have supported the growth and development of India. The Reserve Bank of India centrally monitors the banking system. Banks provide various financial services including taking deposits, lending loans, issuing credit/debit cards, fund transfers, and more. Private banks also offer services for high net worth individuals like tax planning and estate planning. A developed financial system is crucial for a country's economic growth.
The document provides an overview of the banking system in Bangladesh. It defines what a bank and central bank are. It then lists and describes the major types of banks in Bangladesh, including the central bank (Bangladesh Bank), scheduled banks (state-owned commercial banks, specialized banks, private commercial banks, and foreign commercial banks), non-scheduled banks, non-bank financial institutions, and specialized financial institutions. It concludes by listing the major banks in each category.
Commercial banking in India began in the 18th century with the establishment of banks by the British East India Company. The three presidency banks - Bank of Bengal, Bank of Bombay, and Bank of Madras - were established in the early 19th century and given rights to issue currency in their regions. Several other banks were established throughout the 19th century. The Reserve Bank of India was established in 1935 and became fully state-owned in 1949. It enacted the Banking Regulation Act to regulate commercial banking. Nationalization of banks in 1969 was a major development in Indian banking. Today there are various types of banks that perform important functions like accepting deposits, lending funds, and providing payment services, which contribute to economic development.
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
The document provides information on the Banking, Financial Services and Insurance (BFSI) sectors in India. It describes the key components of each sector. The banking sector section explains the functions of banks which include accepting deposits and granting loans. It also discusses the various types of banks operating in India. The financial services sector section covers types of financial services like capital markets, retail banking, and fee-based services. Finally, the insurance sector section defines insurance and describes the structure and key types of insurance products and services available in India. It concludes by highlighting the growing market size of the BFSI sectors in India.
New technologies and increasing competition have led to significant changes in the banking industry in India. Banks now offer many new services beyond traditional savings and loans, such as phone banking, online banking, ATMs, credit cards, and investment services. This allows customers more convenience in accessing their accounts and conducting financial transactions anywhere at any time. While technological advancements have improved customer experience, they have also increased risks around security and fraud that banks must address.
New technologies and increasing competition have led to significant changes in the banking industry in India. Banks now offer many new services beyond traditional savings and loans, such as phone banking, online banking, ATMs, credit cards, and investment services. This allows customers more convenience in accessing their accounts and conducting financial transactions anywhere at any time. While technological advancements have improved customer experience, they have also increased risks around security and fraud that banks must address.
This document provides an overview of banks and the banking system in India. It defines banks and outlines their key functions such as accepting deposits, providing loans, and facilitating payments. It then describes different types of banks including commercial banks, agricultural banks, savings banks, and central/national banks. The document also discusses innovative banking services, electronic funds transfer methods, different classifications of banking systems, and prominent financial institutions in India such as the Reserve Bank of India and Industrial Finance Corporation of India.
The document provides information about banking services and the role of banks. It begins by describing what a bank is - an establishment authorized by the government to accept deposits and provide financial services. It then discusses why banks were needed - as a safe place for people to save money and access funds when needed. The third paragraph summarizes the key functions of banks as accepting deposits, lending money, clearing checks, and providing other financial services to customers.
Commercial banks perform primary functions of accepting deposits, advancing loans, and creating credit. They also provide secondary functions like agency services and general utility services. Modern banks help achieve socio-economic objectives set by governments, such as promoting small businesses and self-employment through specialized lending schemes at concessional rates of interest.
Banking occupies one of the most important positions in the modern economic world.
It is necessary for trade and industry. Hence it is one of the great agencies of commerce.
Although banking in one form or another has been in existence from very early times,
modern banking is of recent origin. It is one of the results of the Industrial Revolution and
the child of economic necessity. Its presence is very helpful to the economic activity and
industrial progress of a country.
The term ‘Bank’ has been defined in different ways by different economists. A few definitions
are:
According to Walter Leaf “A bank is a person or corporation which holds itself out to
eceive from the public, deposits payable on demand by cheque.” Horace White has defined
a bank, “as a manufacture of credit and a machine for facilitating exchange.”
According to Prof. Kinley, “A bank is an establishment which makes to individuals such
ances of money as may be required and safely made, and to which individuals entrust
money when not required by them for use.”
The document provides a history of banking in India from ancient times through present day. It discusses the key phases in Indian banking history and the current composition of the banking system, including public sector banks, private sector banks, cooperative banks, and development banks. The document also summarizes some of the major opportunities and challenges facing the Indian banking industry, such as interest rate risk, non-performing assets, competition in retail banking, bank mergers and acquisitions, and the impact of Basel II capital adequacy norms.
The document provides a history of banking in India from ancient times through present day. It discusses the key phases in Indian banking history and the current composition of the banking system, including public sector banks, private sector banks, cooperative banks, and development banks. The document also summarizes some of the major opportunities and challenges facing the Indian banking industry, such as interest rate risk, non-performing assets, competition in retail banking, bank mergers and acquisitions, and the impact of Basel II capital adequacy norms.
This document provides an overview of rural lending programs of commercial banks in India. It discusses the importance of rural credit for farmers and small businesses. It then describes the role of commercial banks in providing rural credit and their various loan programs targeted at agriculture and rural populations. It also discusses the types of commercial banks in India including private banks, public sector banks, foreign banks, and regional rural banks. Finally, it covers policies around branch expansion and sectoral allocation targets for priority sector lending.
A Comparative study of the Financial Performance of the Axis Bank Ltd & ICICI...AsmitaMali3
A Comparative study of the Financial Performance of the Axis Bank Ltd & ICICI Bank Ltd.
Ms. Asmita Mali Research Scholar, Department of Business Studies, Sardar Patel University, Vallabh Vidhyanagar, Gujarat & Assistant Professor, Parul Institute of Commerce, Parul University (India)
The document discusses the financial troubles facing Yes Bank, a major private bank in India. Yes Bank saw rapid growth between 2014-2019 by providing loans to high-risk borrowers that could not get funds elsewhere. However, this led to a rise in non-performing assets (NPAs) that surfaced in 2017. By late 2019, Yes Bank was facing a capital shortage, high NPAs of 18.87% of its loan book, and losses of over 18,000 crores for the quarter. The Reserve Bank of India then stepped in with a reconstruction plan to avoid a bank failure and protect depositors.
BANKING - INTRODUCTION - ORIGIN AND DEVELOPMENT OF BANKS - Meaning of Bank - FEATURES OF BANKING - LICENSING OF BANKS - IMPORTANCE OF BANKING - FUNCTIONS OF BANKS - COMMERCIAL BANKS - TYPE OF BANKING ON THE BASIS OF THEIR FUNCTION - CLASSIFICATION OF BANKS OR BANKING SYSTEMS AND STRUCTURE - FUNCTIONS OF COMMERCIAL BANKS - CENTRAL BANKING - DIFFERENT BETWEEN CENTRAL BANKING AND COMMERCIAL BANKING - RESERVE BANK OF INDIA - ORIGIN - MONETARY POLICY -MEANING - ONLINE BANKING
The document provides information about gold loans offered by State Bank of Patiala (SBOP). It discusses three variants of gold loans offered - gold loan (first variant), gold loan (second variant), and gold loan liquid scheme. It also briefly outlines the procedures and documentation required for gold loans. The document appears to be part of a student project report on their training experience at an SBOP branch.
Similar to IRJET-Indian Banking Sector at a Glance (20)
TUNNELING IN HIMALAYAS WITH NATM METHOD: A SPECIAL REFERENCES TO SUNGAL TUNNE...IRJET Journal
1) The document discusses the Sungal Tunnel project in Jammu and Kashmir, India, which is being constructed using the New Austrian Tunneling Method (NATM).
2) NATM involves continuous monitoring during construction to adapt to changing ground conditions, and makes extensive use of shotcrete for temporary tunnel support.
3) The methodology section outlines the systematic geotechnical design process for tunnels according to Austrian guidelines, and describes the various steps of NATM tunnel construction including initial and secondary tunnel support.
STUDY THE EFFECT OF RESPONSE REDUCTION FACTOR ON RC FRAMED STRUCTUREIRJET Journal
This study examines the effect of response reduction factors (R factors) on reinforced concrete (RC) framed structures through nonlinear dynamic analysis. Three RC frame models with varying heights (4, 8, and 12 stories) were analyzed in ETABS software under different R factors ranging from 1 to 5. The results showed that displacement increased as the R factor decreased, indicating less linear behavior for lower R factors. Drift also decreased proportionally with increasing R factors from 1 to 5. Shear forces in the frames decreased with higher R factors. In general, R factors of 3 to 5 produced more satisfactory performance with less displacement and drift. The displacement variations between different building heights were consistent at different R factors. This study evaluated how R factors influence
A COMPARATIVE ANALYSIS OF RCC ELEMENT OF SLAB WITH STARK STEEL (HYSD STEEL) A...IRJET Journal
This study compares the use of Stark Steel and TMT Steel as reinforcement materials in a two-way reinforced concrete slab. Mechanical testing is conducted to determine the tensile strength, yield strength, and other properties of each material. A two-way slab design adhering to codes and standards is executed with both materials. The performance is analyzed in terms of deflection, stability under loads, and displacement. Cost analyses accounting for material, durability, maintenance, and life cycle costs are also conducted. The findings provide insights into the economic and structural implications of each material for reinforcement selection and recommendations on the most suitable material based on the analysis.
Effect of Camber and Angles of Attack on Airfoil CharacteristicsIRJET Journal
This document discusses a study analyzing the effect of camber, position of camber, and angle of attack on the aerodynamic characteristics of airfoils. Sixteen modified asymmetric NACA airfoils were analyzed using computational fluid dynamics (CFD) by varying the camber, camber position, and angle of attack. The results showed the relationship between these parameters and the lift coefficient, drag coefficient, and lift to drag ratio. This provides insight into how changes in airfoil geometry impact aerodynamic performance.
A Review on the Progress and Challenges of Aluminum-Based Metal Matrix Compos...IRJET Journal
This document reviews the progress and challenges of aluminum-based metal matrix composites (MMCs), focusing on their fabrication processes and applications. It discusses how various aluminum MMCs have been developed using reinforcements like borides, carbides, oxides, and nitrides to improve mechanical and wear properties. These composites have gained prominence for their lightweight, high-strength and corrosion resistance properties. The document also examines recent advancements in fabrication techniques for aluminum MMCs and their growing applications in industries such as aerospace and automotive. However, it notes that challenges remain around issues like improper mixing of reinforcements and reducing reinforcement agglomeration.
Dynamic Urban Transit Optimization: A Graph Neural Network Approach for Real-...IRJET Journal
This document discusses research on using graph neural networks (GNNs) for dynamic optimization of public transportation networks in real-time. GNNs represent transit networks as graphs with nodes as stops and edges as connections. The GNN model aims to optimize networks using real-time data on vehicle locations, arrival times, and passenger loads. This helps increase mobility, decrease traffic, and improve efficiency. The system continuously trains and infers to adapt to changing transit conditions, providing decision support tools. While research has focused on performance, more work is needed on security, socio-economic impacts, contextual generalization of models, continuous learning approaches, and effective real-time visualization.
Structural Analysis and Design of Multi-Storey Symmetric and Asymmetric Shape...IRJET Journal
This document summarizes a research project that aims to compare the structural performance of conventional slab and grid slab systems in multi-story buildings using ETABS software. The study will analyze both symmetric and asymmetric building models under various loading conditions. Parameters like deflections, moments, shears, and stresses will be examined to evaluate the structural effectiveness of each slab type. The results will provide insights into the comparative behavior of conventional and grid slabs to help engineers and architects select appropriate slab systems based on building layouts and design requirements.
A Review of “Seismic Response of RC Structures Having Plan and Vertical Irreg...IRJET Journal
This document summarizes and reviews a research paper on the seismic response of reinforced concrete (RC) structures with plan and vertical irregularities, with and without infill walls. It discusses how infill walls can improve or reduce the seismic performance of RC buildings, depending on factors like wall layout, height distribution, connection to the frame, and relative stiffness of walls and frames. The reviewed research paper analyzes the behavior of infill walls, effects of vertical irregularities, and seismic performance of high-rise structures under linear static and dynamic analysis. It studies response characteristics like story drift, deflection and shear. The document also provides literature on similar research investigating the effects of infill walls, soft stories, plan irregularities, and different
This document provides a review of machine learning techniques used in Advanced Driver Assistance Systems (ADAS). It begins with an abstract that summarizes key applications of machine learning in ADAS, including object detection, recognition, and decision-making. The introduction discusses the integration of machine learning in ADAS and how it is transforming vehicle safety. The literature review then examines several research papers on topics like lightweight deep learning models for object detection and lane detection models using image processing. It concludes by discussing challenges and opportunities in the field, such as improving algorithm robustness and adaptability.
Long Term Trend Analysis of Precipitation and Temperature for Asosa district,...IRJET Journal
The document analyzes temperature and precipitation trends in Asosa District, Benishangul Gumuz Region, Ethiopia from 1993 to 2022 based on data from the local meteorological station. The results show:
1) The average maximum and minimum annual temperatures have generally decreased over time, with maximum temperatures decreasing by a factor of -0.0341 and minimum by -0.0152.
2) Mann-Kendall tests found the decreasing temperature trends to be statistically significant for annual maximum temperatures but not for annual minimum temperatures.
3) Annual precipitation in Asosa District showed a statistically significant increasing trend.
The conclusions recommend development planners account for rising summer precipitation and declining temperatures in
P.E.B. Framed Structure Design and Analysis Using STAAD ProIRJET Journal
This document discusses the design and analysis of pre-engineered building (PEB) framed structures using STAAD Pro software. It provides an overview of PEBs, including that they are designed off-site with building trusses and beams produced in a factory. STAAD Pro is identified as a key tool for modeling, analyzing, and designing PEBs to ensure their performance and safety under various load scenarios. The document outlines modeling structural parts in STAAD Pro, evaluating structural reactions, assigning loads, and following international design codes and standards. In summary, STAAD Pro is used to design and analyze PEB framed structures to ensure safety and code compliance.
A Review on Innovative Fiber Integration for Enhanced Reinforcement of Concre...IRJET Journal
This document provides a review of research on innovative fiber integration methods for reinforcing concrete structures. It discusses studies that have explored using carbon fiber reinforced polymer (CFRP) composites with recycled plastic aggregates to develop more sustainable strengthening techniques. It also examines using ultra-high performance fiber reinforced concrete to improve shear strength in beams. Additional topics covered include the dynamic responses of FRP-strengthened beams under static and impact loads, and the performance of preloaded CFRP-strengthened fiber reinforced concrete beams. The review highlights the potential of fiber composites to enable more sustainable and resilient construction practices.
Survey Paper on Cloud-Based Secured Healthcare SystemIRJET Journal
This document summarizes a survey on securing patient healthcare data in cloud-based systems. It discusses using technologies like facial recognition, smart cards, and cloud computing combined with strong encryption to securely store patient data. The survey found that healthcare professionals believe digitizing patient records and storing them in a centralized cloud system would improve access during emergencies and enable more efficient care compared to paper-based systems. However, ensuring privacy and security of patient data is paramount as healthcare incorporates these digital technologies.
Review on studies and research on widening of existing concrete bridgesIRJET Journal
This document summarizes several studies that have been conducted on widening existing concrete bridges. It describes a study from China that examined load distribution factors for a bridge widened with composite steel-concrete girders. It also outlines challenges and solutions for widening a bridge in the UAE, including replacing bearings and stitching the new and existing structures. Additionally, it discusses two bridge widening projects in New Zealand that involved adding precast beams and stitching to connect structures. Finally, safety measures and challenges for strengthening a historic bridge in Switzerland under live traffic are presented.
React based fullstack edtech web applicationIRJET Journal
The document describes the architecture of an educational technology web application built using the MERN stack. It discusses the frontend developed with ReactJS, backend with NodeJS and ExpressJS, and MongoDB database. The frontend provides dynamic user interfaces, while the backend offers APIs for authentication, course management, and other functions. MongoDB enables flexible data storage. The architecture aims to provide a scalable, responsive platform for online learning.
A Comprehensive Review of Integrating IoT and Blockchain Technologies in the ...IRJET Journal
This paper proposes integrating Internet of Things (IoT) and blockchain technologies to help implement objectives of India's National Education Policy (NEP) in the education sector. The paper discusses how blockchain could be used for secure student data management, credential verification, and decentralized learning platforms. IoT devices could create smart classrooms, automate attendance tracking, and enable real-time monitoring. Blockchain would ensure integrity of exam processes and resource allocation, while smart contracts automate agreements. The paper argues this integration has potential to revolutionize education by making it more secure, transparent and efficient, in alignment with NEP goals. However, challenges like infrastructure needs, data privacy, and collaborative efforts are also discussed.
A REVIEW ON THE PERFORMANCE OF COCONUT FIBRE REINFORCED CONCRETE.IRJET Journal
This document provides a review of research on the performance of coconut fibre reinforced concrete. It summarizes several studies that tested different volume fractions and lengths of coconut fibres in concrete mixtures with varying compressive strengths. The studies found that coconut fibre improved properties like tensile strength, toughness, crack resistance, and spalling resistance compared to plain concrete. Volume fractions of 2-5% and fibre lengths of 20-50mm produced the best results. The document concludes that using a 4-5% volume fraction of coconut fibres 30-40mm in length with M30-M60 grade concrete would provide benefits based on previous research.
Optimizing Business Management Process Workflows: The Dynamic Influence of Mi...IRJET Journal
The document discusses optimizing business management processes through automation using Microsoft Power Automate and artificial intelligence. It provides an overview of Power Automate's key components and features for automating workflows across various apps and services. The document then presents several scenarios applying automation solutions to common business processes like data entry, monitoring, HR, finance, customer support, and more. It estimates the potential time and cost savings from implementing automation for each scenario. Finally, the conclusion emphasizes the transformative impact of AI and automation tools on business processes and the need for ongoing optimization.
Multistoried and Multi Bay Steel Building Frame by using Seismic DesignIRJET Journal
The document describes the seismic design of a G+5 steel building frame located in Roorkee, India according to Indian codes IS 1893-2002 and IS 800. The frame was analyzed using the equivalent static load method and response spectrum method, and its response in terms of displacements and shear forces were compared. Based on the analysis, the frame was designed as a seismic-resistant steel structure according to IS 800:2007. The software STAAD Pro was used for the analysis and design.
Cost Optimization of Construction Using Plastic Waste as a Sustainable Constr...IRJET Journal
This research paper explores using plastic waste as a sustainable and cost-effective construction material. The study focuses on manufacturing pavers and bricks using recycled plastic and partially replacing concrete with plastic alternatives. Initial results found that pavers and bricks made from recycled plastic demonstrate comparable strength and durability to traditional materials while providing environmental and cost benefits. Additionally, preliminary research indicates incorporating plastic waste as a partial concrete replacement significantly reduces construction costs without compromising structural integrity. The outcomes suggest adopting plastic waste in construction can address plastic pollution while optimizing costs, promoting more sustainable building practices.
Optimizing Gradle Builds - Gradle DPE Tour Berlin 2024Sinan KOZAK
Sinan from the Delivery Hero mobile infrastructure engineering team shares a deep dive into performance acceleration with Gradle build cache optimizations. Sinan shares their journey into solving complex build-cache problems that affect Gradle builds. By understanding the challenges and solutions found in our journey, we aim to demonstrate the possibilities for faster builds. The case study reveals how overlapping outputs and cache misconfigurations led to significant increases in build times, especially as the project scaled up with numerous modules using Paparazzi tests. The journey from diagnosing to defeating cache issues offers invaluable lessons on maintaining cache integrity without sacrificing functionality.
Digital Twins Computer Networking Paper Presentation.pptxaryanpankaj78
A Digital Twin in computer networking is a virtual representation of a physical network, used to simulate, analyze, and optimize network performance and reliability. It leverages real-time data to enhance network management, predict issues, and improve decision-making processes.
Build the Next Generation of Apps with the Einstein 1 Platform.
Rejoignez Philippe Ozil pour une session de workshops qui vous guidera à travers les détails de la plateforme Einstein 1, l'importance des données pour la création d'applications d'intelligence artificielle et les différents outils et technologies que Salesforce propose pour vous apporter tous les bénéfices de l'IA.
Software Engineering and Project Management - Software Testing + Agile Method...Prakhyath Rai
Software Testing: A Strategic Approach to Software Testing, Strategic Issues, Test Strategies for Conventional Software, Test Strategies for Object -Oriented Software, Validation Testing, System Testing, The Art of Debugging.
Agile Methodology: Before Agile – Waterfall, Agile Development.
Use PyCharm for remote debugging of WSL on a Windo cf5c162d672e4e58b4dde5d797...shadow0702a
This document serves as a comprehensive step-by-step guide on how to effectively use PyCharm for remote debugging of the Windows Subsystem for Linux (WSL) on a local Windows machine. It meticulously outlines several critical steps in the process, starting with the crucial task of enabling permissions, followed by the installation and configuration of WSL.
The guide then proceeds to explain how to set up the SSH service within the WSL environment, an integral part of the process. Alongside this, it also provides detailed instructions on how to modify the inbound rules of the Windows firewall to facilitate the process, ensuring that there are no connectivity issues that could potentially hinder the debugging process.
The document further emphasizes on the importance of checking the connection between the Windows and WSL environments, providing instructions on how to ensure that the connection is optimal and ready for remote debugging.
It also offers an in-depth guide on how to configure the WSL interpreter and files within the PyCharm environment. This is essential for ensuring that the debugging process is set up correctly and that the program can be run effectively within the WSL terminal.
Additionally, the document provides guidance on how to set up breakpoints for debugging, a fundamental aspect of the debugging process which allows the developer to stop the execution of their code at certain points and inspect their program at those stages.
Finally, the document concludes by providing a link to a reference blog. This blog offers additional information and guidance on configuring the remote Python interpreter in PyCharm, providing the reader with a well-rounded understanding of the process.
Gas agency management system project report.pdfKamal Acharya
The project entitled "Gas Agency" is done to make the manual process easier by making it a computerized system for billing and maintaining stock. The Gas Agencies get the order request through phone calls or by personal from their customers and deliver the gas cylinders to their address based on their demand and previous delivery date. This process is made computerized and the customer's name, address and stock details are stored in a database. Based on this the billing for a customer is made simple and easier, since a customer order for gas can be accepted only after completing a certain period from the previous delivery. This can be calculated and billed easily through this. There are two types of delivery like domestic purpose use delivery and commercial purpose use delivery. The bill rate and capacity differs for both. This can be easily maintained and charged accordingly.
Null Bangalore | Pentesters Approach to AWS IAMDivyanshu
#Abstract:
- Learn more about the real-world methods for auditing AWS IAM (Identity and Access Management) as a pentester. So let us proceed with a brief discussion of IAM as well as some typical misconfigurations and their potential exploits in order to reinforce the understanding of IAM security best practices.
- Gain actionable insights into AWS IAM policies and roles, using hands on approach.
#Prerequisites:
- Basic understanding of AWS services and architecture
- Familiarity with cloud security concepts
- Experience using the AWS Management Console or AWS CLI.
- For hands on lab create account on [killercoda.com](https://killercoda.com/cloudsecurity-scenario/)
# Scenario Covered:
- Basics of IAM in AWS
- Implementing IAM Policies with Least Privilege to Manage S3 Bucket
- Objective: Create an S3 bucket with least privilege IAM policy and validate access.
- Steps:
- Create S3 bucket.
- Attach least privilege policy to IAM user.
- Validate access.
- Exploiting IAM PassRole Misconfiguration
-Allows a user to pass a specific IAM role to an AWS service (ec2), typically used for service access delegation. Then exploit PassRole Misconfiguration granting unauthorized access to sensitive resources.
- Objective: Demonstrate how a PassRole misconfiguration can grant unauthorized access.
- Steps:
- Allow user to pass IAM role to EC2.
- Exploit misconfiguration for unauthorized access.
- Access sensitive resources.
- Exploiting IAM AssumeRole Misconfiguration with Overly Permissive Role
- An overly permissive IAM role configuration can lead to privilege escalation by creating a role with administrative privileges and allow a user to assume this role.
- Objective: Show how overly permissive IAM roles can lead to privilege escalation.
- Steps:
- Create role with administrative privileges.
- Allow user to assume the role.
- Perform administrative actions.
- Differentiation between PassRole vs AssumeRole
Try at [killercoda.com](https://killercoda.com/cloudsecurity-scenario/)
Software Engineering and Project Management - Introduction, Modeling Concepts...Prakhyath Rai
Introduction, Modeling Concepts and Class Modeling: What is Object orientation? What is OO development? OO Themes; Evidence for usefulness of OO development; OO modeling history. Modeling
as Design technique: Modeling, abstraction, The Three models. Class Modeling: Object and Class Concept, Link and associations concepts, Generalization and Inheritance, A sample class model, Navigation of class models, and UML diagrams
Building the Analysis Models: Requirement Analysis, Analysis Model Approaches, Data modeling Concepts, Object Oriented Analysis, Scenario-Based Modeling, Flow-Oriented Modeling, class Based Modeling, Creating a Behavioral Model.