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.
ICICI Bank means industrial credit and investment corporation in India . from this presentation you know all about of ICICI bank profile and strength , weakness , opportunities and treat of ICICI bank . It is 2nd largest bank in India.
ICICI Bank means industrial credit and investment corporation in India . from this presentation you know all about of ICICI bank profile and strength , weakness , opportunities and treat of ICICI bank . It is 2nd largest bank in India.
This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
A Study on Emerging Challenges & Opportunities for Indian Banking Sectorinventionjournals
Banking sector is treated as a backbone of a nation as it plays multifarious role for the all total growth of a developing country like India. The banking industry in India has a huge canvas of history, which covers the traditional banking Practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. Here commercial banks cater to short and medium term financing requirements, while national level and state level financial institutions meet longer-term requirements. Banking industry in India has also achieved anew height with the changing times. Most of banks provide various services such as Mobile banking, SMS & Net banking and ATMs to their customers for their convenience. The use of technology has brought a revolution in the working style of the banks. Banking today has transformed into a technology intensive and customer friendly model with a focus inconvenience. However, changing dynamics of banking business also brings new kind of risk exposure
A Study on Emerging Challenges & Opportunities for Indian Banking Sectorinventionjournals
Banking sector is treated as a backbone of a nation as it plays multifarious role for the all total growth of a developing country like India. The banking industry in India has a huge canvas of history, which covers the traditional banking Practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. Here commercial banks cater to short and medium term financing requirements, while national level and state level financial institutions meet longer-term requirements. Banking industry in India has also achieved anew height with the changing times. Most of banks provide various services such as Mobile banking, SMS & Net banking and ATMs to their customers for their convenience. The use of technology has brought a revolution in the working style of the banks. Banking today has transformed into a technology intensive and customer friendly model with a focus inconvenience. However, changing dynamics of banking business also brings new kind of risk exposure.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just what'sapp this number below. I sold about 3000 pi coins to him and he paid me immediately.
+12349014282
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
+12349014282
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
2. INTRODUCTION
• Public Sector Banks (PSBs) are banks where a majority stake (more than 50%) is held by
a government. The shares of these banks are listed on stock exchanges. There are a total
of 21 PSBs in India.
• The Central Government entered the banking business with the nationalization of the
Imperial Bank Of India in 1955.
• A 60% stake was taken by the Reserve Bank of India and the new bank was named as
the State Bank of India. The next major nationalisation of banks took place in 1969
nationalisation of an additional 14 major banks.
• The total deposits in the banks nationalised in 1969 amounted to 50 crores. This move
increased the presence of nationalised banks in India, with 84% of the total branches
coming under government control.
• The next round of nationalisation took place in April 1980. The government nationalised six
banks. The total deposits of these banks amounted to around 200 crores. This move led to
a further increase in the number of branches in the market, increasing to 91% of the total
branch network of the country. The objectives behind nationalisation were.
3. EMERGENCE OF PUBLIC
SECTOR BANKS
The Central Government entered the banking business with the nationalization of the
Imperial Bank of India in 1955.
A 60% stake was taken by the RBI and the new bank was named as the State Bank of India.
The seven other state banks became the subsidiaries of the new bank when nationalised on
19 July 1960.
The next major nationalisation of banks took place in 1969 when nationalised an additional
14 major banks. The next round of nationalisation took place in April 1980. The government
nationalised 6 banks.
The objectives behind nationalisation were:
• To break the ownership and control of banks by a few business families,
• To prevent the concentration of wealth and economic power,
• To mobilize savings from masses from all parts of the country,
• To cater to the needs of the priority sectors
4. STATE BANK OF INDIA
State Bank of India (SBI) is an Indian
multinational, public sector banking
and financial services company.
On 1st April, 2017, State Bank of India,
which is India's largest Bank merged with
five of its Associate Banks.
State Bank of India will enter the league of
top 50 global banks with a balance sheet
size of ₹33 trillion, 278,000 employees, 420
million customers, and more than 24,000
branches and 59,000 ATMs.
SBI's market share will increase to 22
percent from 17 per cent.
5. PRODUCTS OF SBI
Business Loan
Car Loan
Credit Card
Debit Card
Education Loan
Fixed Deposit
Gold Loan
Home Loan
Loan Against Property
Personal Loan
Savings Account
6. PUNJAB NATIONAL BANK
Punjab National Bank is an Indian multinational banking and financial services company. It
is a state-owned corporation based in New Delhi, India. Founded in 1894, the bank has
over 6,968 branches and over 9,935 ATMs across 764 cities. It serves over 80 million
customers. Shri Sunil Mehta is the Managing Director and CEO of the bank.
PNB has made official debut on the social networking sites i.e., Twitter and LinkedIn, with
an aim of strengthening “Brand PNB” on social media and to engage with customers in a
cost efficient manner and Mr. Virat Kohli has been chosen as brand ambassador of the
Bank because of his mass appeal to the youth of the country.
Development of Mobile based banking application, called Unified Payment Interface (UPI),
launch of PNB wallet named “PNB Kitty” that serves as a virtual account that holds money
online for e-payments and to enable RuPay EMV debit cards are certain steps taken by the
bank towards digital banking.
Some of the renowned divisions on which the major functionalities of the PNB are based
are Corporate Banking, Personal Banking, Industrial finance services, Agriculture finance
services, International banking services and Trade financial services.
7. It also maintains commercial affiliation with more than nearly 200 prestigious, global banks
around the globe. The bank offers provision of Rupee drawing procedures with almost
fifteen exchange companies based in the UAE, and another in Singapore.
PNB provides many tailored solutions namely Savings Fund Account, Current account, Fixed
Deposit scheme, Loan services to entertain all types of financial requests of the consumers.
PNB is one of the most popular bank names when it comes to home loan benefits, and it is
known for offering both short and long term loan facilities.
Business Performance of the bank:
Parameter Mar`15 Mar`16 Mar`17 YoY Gr.%
(Mar’17 over
Mar’16)
Deposits 501379 553051 621704 12.41
Advances 380534 412326 419493 1.74
Total Business 881913 965377 1041197 7.85
CASA Deposits 183780 205583 260016 26.5
CASA Share to Domestic Dep. (%) 40.57 41.63 45.97 -
Operating Profit 11955 11339 14565 28.5
Net Profit 3062 -3974 1325 -
8. OBJECTIVES OF THE STUDY
To study the satisfaction level of customers of public sector banks.
To show the emergence of Public Sector banks.
To discuss the reasons “Why one should choose Public Sector banks?”
To analyse the advantages one can get in case of loans offered by Public Sector
banks.
9. WHY SHOULD ONE CHOOSE
PUBLIC SECTOR BANKS?
They are safe and people who are keeping money in fixed deposit and saving account
do not have to worry.
Less hidden charges and also lower limit of amount to be held as minimum deposit as
far as in saving account. so for example in case of private banks minimum balance to
be maintained is anywhere between 5000 to 20000 rupees whereas in case of public
sector banks it is 1000 rupees and in case of student account and no frill accounts it is
0.
10. WHO GIVES THE BEST DEAL IN
LOANS: PSU OR PRIVATE BANKS
1. Processing charges : Processing charges on loans are cheaper in the case of
government banks. State Bank of India (SBI) is charging a home loan processing
fee of 0.25 per cent on loans upto Rs 25 lakhs. Home loan processing fee at private
sector banks can be as high as 1 per cent.
2. Interest rates fluctuation: They keep same policies for all loan customers and
decreased rate is effective for existing customers also almost immediately.
3. Prepayment Period: They do NOT have any such clause. You can start pre-
paying from day 2 of loan itself.
4. Prepayment charges: Public sector banks do NOT charge you a penny to
prepay.
5. Pre-payment Amount: Again, no such clause here. You can pre-pay any amount
which you like.
11. CONCLUSION
As a customer, you should try to buy a product whose cost is as low as possible in
both short and long term. So, make a wise decision considering the above facts.
There are lots of charges involved in a loan which are incurred at the beginning and
over a period of time. Smaller tenure loans do not hurt much but for home loans, where
the tenure is generally 20 years, you should take great care for the above mentioned
points.
For example, if you really want to close the loan much earlier than the actual loan
tenure by making pre-payment occasionally, you should keep the pre-payment
charges, period and amount in mind.