Federal Bank is a major public sector bank in India founded in 1931 with headquarters in Kochi, Kerala. It has over 1,200 branches across India and representative offices in the UAE. In 2020, the bank reported total assets of over Rs. 180 trillion with net income of Rs. 1.5 trillion. Federal Bank focuses on retail banking, SME lending, and wealth management and aims to be a digitally enabled bank serving micro, small and medium enterprises.
Federal Bank is an Indian private sector bank headquartered in Aluva, Kerala. It was established in 1931 under the name Travancore Federal Bank. The bank has over 950 branches across 24 states in India and over 1000 ATMs. It targets semi-urban sectors with banking products and services for individuals and industries. Federal Bank has expanded through acquisitions and mergers over the years and plans to further expand its branch network and workforce. The bank engages in various sponsorships and uses innovative marketing strategies.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
This document provides an overview of ICICI Bank's business for fiscal year 2003. It discusses the economic environment in India, noting GDP growth of 4.4% despite a below-normal monsoon. It highlights ICICI Bank's focus on retail banking and leadership in retail credit. The document also mentions initiatives such as expanding internationally and centralizing corporate banking services. Overall, it presents ICICI Bank as having created a platform to capitalize on opportunities in retail and wholesale banking going forward.
This document provides information about HDFC Bank, one of the major players in the Indian banking sector. It discusses HDFC Bank's history and founding in 1977, its profile including services offered such as loans, credit cards, savings accounts, and insurance. The document also outlines HDFC Bank's network of over 2,000 branches and 6,520 ATMs across India, its board of directors, and performs a basic SWOT analysis.
This document provides information about State Bank of India (SBI), the largest bank in India. It discusses that SBI is a government-owned corporation headquartered in Mumbai with over 14,000 branches globally. The document outlines SBI's history and various services it offers, including personal banking, insurance, and investment products provided through its subsidiaries like SBI General Insurance, SBI Life Insurance, SBI Mutual Funds, and SBI Fund Management. Key figures about assets and global rankings are also mentioned.
HDFC is a major Indian financial services company established in 1994 as a public company. It was founded by Mr. Virender and Kunal and is headquartered in Mumbai. HDFC Bank was incorporated by HDFC and was the first private sector bank to receive approval from RBI. HDFC Bank deals with wholesale banking, retail banking, and treasury services. It has a network of over 1725 branches across 771 cities in India.
The document contains information about Saraswat Bank, including its history, services offered, deposit schemes, types of services, performance comparisons to other banks, and SWOT analysis. Saraswat Bank is an urban cooperative bank based in Maharashtra, India that has been operating since 1918. It aims to be one of the premier banks in the country known for professionalism and excellence.
Federal Bank is an Indian private sector bank headquartered in Aluva, Kerala. It was established in 1931 under the name Travancore Federal Bank. The bank has over 950 branches across 24 states in India and over 1000 ATMs. It targets semi-urban sectors with banking products and services for individuals and industries. Federal Bank has expanded through acquisitions and mergers over the years and plans to further expand its branch network and workforce. The bank engages in various sponsorships and uses innovative marketing strategies.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
This document provides an overview of ICICI Bank's business for fiscal year 2003. It discusses the economic environment in India, noting GDP growth of 4.4% despite a below-normal monsoon. It highlights ICICI Bank's focus on retail banking and leadership in retail credit. The document also mentions initiatives such as expanding internationally and centralizing corporate banking services. Overall, it presents ICICI Bank as having created a platform to capitalize on opportunities in retail and wholesale banking going forward.
This document provides information about HDFC Bank, one of the major players in the Indian banking sector. It discusses HDFC Bank's history and founding in 1977, its profile including services offered such as loans, credit cards, savings accounts, and insurance. The document also outlines HDFC Bank's network of over 2,000 branches and 6,520 ATMs across India, its board of directors, and performs a basic SWOT analysis.
This document provides information about State Bank of India (SBI), the largest bank in India. It discusses that SBI is a government-owned corporation headquartered in Mumbai with over 14,000 branches globally. The document outlines SBI's history and various services it offers, including personal banking, insurance, and investment products provided through its subsidiaries like SBI General Insurance, SBI Life Insurance, SBI Mutual Funds, and SBI Fund Management. Key figures about assets and global rankings are also mentioned.
HDFC is a major Indian financial services company established in 1994 as a public company. It was founded by Mr. Virender and Kunal and is headquartered in Mumbai. HDFC Bank was incorporated by HDFC and was the first private sector bank to receive approval from RBI. HDFC Bank deals with wholesale banking, retail banking, and treasury services. It has a network of over 1725 branches across 771 cities in India.
The document contains information about Saraswat Bank, including its history, services offered, deposit schemes, types of services, performance comparisons to other banks, and SWOT analysis. Saraswat Bank is an urban cooperative bank based in Maharashtra, India that has been operating since 1918. It aims to be one of the premier banks in the country known for professionalism and excellence.
State Bank of India plans to merge five of its subsidiary banks, including State Bank of Hyderabad and State Bank of Patiala, which will create one of the largest banks in the world by customers. The merger would consolidate over 50 crore customers under one roof, allowing them to access over 22,500 ATMs and 58,000 branches while also making debt recovery easier. It would increase SBI's capital and enable it to fund larger projects.
This document provides information on several banks in India, including Bank of Baroda, State Bank of India, and Yes Bank. It outlines the founding dates and locations of Bank of Baroda and State Bank of India. Details provided include the current CEO and chairman of Bank of Baroda, its total assets, branch network size, and history of acquisitions and nationalization. Background on State Bank of India's establishment in 1806 and nationalization in 1955 is also presented, along with facts about its logo design and former chairperson.
Axis Bank was established in 1994 as the first private sector bank in India after liberalization. It has over 21,000 employees and a network of over 1,200 branches and 7,500 ATMs across India. Axis Bank reported steady growth in profits over recent years, with net income reaching Rs. 3,344 crore in 2011. The bank offers a range of consumer, corporate and investment banking products and services. Strengths include support from prominent shareholders and knowledge of the Indian market, while threats include competition from foreign and government-owned banks.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
This document contains information about State Bank of India (SBI), including its history, branches, products, and services. It discusses SBI's evolution from the Bank of Calcutta established in 1806. It provides details on SBI's large branch network of over 13,500 branches in India and overseas. The summary describes SBI's personal banking, corporate banking, retail banking, and tax-related products. It concludes by emphasizing SBI's focus on launching innovative products, customized services, better customer service, fast problem solving, and customer retention.
Syndicate Bank is one of the major public sector banks in India established in 1925. It provides a range of financial products and services to retail customers, including various types of loans and investments. It delivers these products and services through an extensive branch network, ATMs, phone banking, and the internet. The key executives are Sudhir Kumar Jain as Chairman and Managing Director, and Ravi Chatterjee and M Anjaneya Prasad as Executive Directors.
Federal Bank was founded in 1931 as Travancore Federal Bank Limited with authorized capital of Rs. 5000. It has 952 branches across 24 Indian states and 1029 ATMs nationwide. The bank offers personal, business, and corporate banking services including savings and deposit accounts, loans, credit and debit cards, internet banking, mobile banking, ATM services, and insurance. Federal Bank has received several awards for innovation and performance between 2016-2017. It has strengths in branch network and technology but faces threats from competition and economic conditions.
State Bank of India (SBI) was established in 1806 as Bank of Calcutta and later amalgamated with other presidency banks to form Imperial Bank of India in 1921. SBI aims to be a premier global financial institution with world-class standards of efficiency. It provides various services including life insurance, mutual funds, and medical insurance to customers. SBI also focuses on training employees and research to develop new strategies and better serve customers' needs.
The document provides an overview of ICICI Bank Ltd., one of the largest banks in India. It discusses the different types of banks in India including regional rural banks, cooperative banks, and commercial banks. It then focuses on ICICI Bank, describing its history, mission, organizational structure, banking business structure, subsidiaries including ICICI Prudential Life Insurance and ICICI Lombard General Insurance, branches both nationally and globally, products and services offered, financial performance, awards received, and future prospects of becoming a leading global bank. India's banking industry is seen to be in a transition phase with ICICI Bank having emerged as a major player and expanding its operations internationally.
This document provides a presentation on the economics principles of banking in India. It begins with an introduction to the banking sector in India and the different types of banks, including public sector banks, private sector banks, cooperative banks, and foreign banks. It then discusses key concepts in economics as they relate to banking, including equilibrium, demand and supply theories, elasticity, and economic models like the circular flow diagram and production possibilities frontier. The document aims to educate the audience on basic economics principles through the lens of the banking industry in India.
Financial performance of selected banks in patiala punjab national bank unio...IAEME Publication
This document analyzes the financial performance of selected public and private sector banks in Patiala, Punjab between 2009-2012. It specifically examines Punjab National Bank and Union Bank of India as public sector banks, looking at trends in deposits and advances. Deposits at PNB's Model Town branch grew steadily over the period, led by savings accounts. Short-term loans comprised about half of PNB's total advances. The study aims to compare profitability between public and private banks and suggest measures for improved performance.
Effectiveness of training @ canara bank project reportBabasab Patil
The document provides an overview of Canara Bank, a leading public sector bank in India established in 1906. It discusses the bank's financial performance over the last two years, achieving the highest net profit among nationalized banks in 2004 and 2005. The report also describes a study conducted on the bank's training programs, finding that the programs were successful and met respondents' needs and expectations. It provides suggestions such as introducing more marketing and product awareness programs.
The Bank of Baroda was founded in 1908 in India and was later nationalized by the Indian government in 1969. It is currently one of the largest banks in India with over 5,500 branches worldwide. In 2018, the Indian government proposed merging Bank of Baroda, Vijaya Bank, and Dena Bank to create the third largest bank in India in an effort to consolidate the country's banking system. Bank of Baroda offers a wide range of personal and commercial banking services both within India and internationally.
New retail banking and investment service bank newNikhil Bagdi
This document is a summer internship project report submitted by Nikhil Verma to fulfill requirements for an MBA program. The report discusses Nikhil's internship at Axis Bank, where he studied the bank's retail banking and investment services. The report is divided into several chapters that introduce the topic, discuss Axis Bank, describe the report's objectives and methodology, provide interpretations and learnings from the internship, and draw conclusions.
State Bank of India (SBI) is India's largest bank. The document discusses SBI, including that it provides medium and long-term financing to industries and agriculture. It also lists the Central Board of Directors and Managing Directors that oversee SBI. Some advantages of SBI are its widespread branch network, large ATM network, and online payment options. However, disadvantages include potentially high costs, fluctuating interest rates, and delays.
This document provides details about Ketan Gyanchandani's summer internship project at AXIS Bank. It includes the project guide names from AXIS Bank, Ketan's faculty mentor from his university, and declarations about the project. The project aims to study the nuances and workings of retail banking. It discusses AXIS Bank's products, account opening procedures, risk management practices, and recently launched government schemes like Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
This document is a project report submitted by Vedansh Jain to Jagannath Institute of Management Studies. The report provides an overview of Axis Bank, including its history, products, and services. It discusses Axis Bank's retail banking, corporate banking, and financial performance. The report also examines various loan and credit card products offered by Axis Bank, including details on eligibility, documentation requirements, and interest rates.
SKS Microfinance: Q4 net profit grows a whopping 49.50%; BuyIndiaNotes.com
SKS Microfinance Limited reported its financial results for the quarter ended March 31, 2015. The company's net profit increased 49.5% to Rs. 405.36 million compared to Rs. 271.15 million in the same quarter of the previous year. Revenue for the quarter rose 42.9% to Rs. 1976.19 million. Earnings per share stood at Rs. 3.21, up 28.1% from the previous year. Loan disbursements increased 58% year-over-year to Rs. 24940 million. As of March 31, 2015, the company had a net worth of Rs. 10460 million and a capital adequacy ratio of 31.7%.
DCB Bank is a private sector bank in India with over 140 branches across 17 states. In the past year, the bank has seen growth in profits and a decrease in gross NPAs. The bank targets self-employed customers including small businesses and MSMEs, sectors that are important to the Indian economy. The bank is expanding its branch network rapidly and is well positioned to benefit from economic growth and government support for small businesses.
State Bank of India plans to merge five of its subsidiary banks, including State Bank of Hyderabad and State Bank of Patiala, which will create one of the largest banks in the world by customers. The merger would consolidate over 50 crore customers under one roof, allowing them to access over 22,500 ATMs and 58,000 branches while also making debt recovery easier. It would increase SBI's capital and enable it to fund larger projects.
This document provides information on several banks in India, including Bank of Baroda, State Bank of India, and Yes Bank. It outlines the founding dates and locations of Bank of Baroda and State Bank of India. Details provided include the current CEO and chairman of Bank of Baroda, its total assets, branch network size, and history of acquisitions and nationalization. Background on State Bank of India's establishment in 1806 and nationalization in 1955 is also presented, along with facts about its logo design and former chairperson.
Axis Bank was established in 1994 as the first private sector bank in India after liberalization. It has over 21,000 employees and a network of over 1,200 branches and 7,500 ATMs across India. Axis Bank reported steady growth in profits over recent years, with net income reaching Rs. 3,344 crore in 2011. The bank offers a range of consumer, corporate and investment banking products and services. Strengths include support from prominent shareholders and knowledge of the Indian market, while threats include competition from foreign and government-owned banks.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
This document contains information about State Bank of India (SBI), including its history, branches, products, and services. It discusses SBI's evolution from the Bank of Calcutta established in 1806. It provides details on SBI's large branch network of over 13,500 branches in India and overseas. The summary describes SBI's personal banking, corporate banking, retail banking, and tax-related products. It concludes by emphasizing SBI's focus on launching innovative products, customized services, better customer service, fast problem solving, and customer retention.
Syndicate Bank is one of the major public sector banks in India established in 1925. It provides a range of financial products and services to retail customers, including various types of loans and investments. It delivers these products and services through an extensive branch network, ATMs, phone banking, and the internet. The key executives are Sudhir Kumar Jain as Chairman and Managing Director, and Ravi Chatterjee and M Anjaneya Prasad as Executive Directors.
Federal Bank was founded in 1931 as Travancore Federal Bank Limited with authorized capital of Rs. 5000. It has 952 branches across 24 Indian states and 1029 ATMs nationwide. The bank offers personal, business, and corporate banking services including savings and deposit accounts, loans, credit and debit cards, internet banking, mobile banking, ATM services, and insurance. Federal Bank has received several awards for innovation and performance between 2016-2017. It has strengths in branch network and technology but faces threats from competition and economic conditions.
State Bank of India (SBI) was established in 1806 as Bank of Calcutta and later amalgamated with other presidency banks to form Imperial Bank of India in 1921. SBI aims to be a premier global financial institution with world-class standards of efficiency. It provides various services including life insurance, mutual funds, and medical insurance to customers. SBI also focuses on training employees and research to develop new strategies and better serve customers' needs.
The document provides an overview of ICICI Bank Ltd., one of the largest banks in India. It discusses the different types of banks in India including regional rural banks, cooperative banks, and commercial banks. It then focuses on ICICI Bank, describing its history, mission, organizational structure, banking business structure, subsidiaries including ICICI Prudential Life Insurance and ICICI Lombard General Insurance, branches both nationally and globally, products and services offered, financial performance, awards received, and future prospects of becoming a leading global bank. India's banking industry is seen to be in a transition phase with ICICI Bank having emerged as a major player and expanding its operations internationally.
This document provides a presentation on the economics principles of banking in India. It begins with an introduction to the banking sector in India and the different types of banks, including public sector banks, private sector banks, cooperative banks, and foreign banks. It then discusses key concepts in economics as they relate to banking, including equilibrium, demand and supply theories, elasticity, and economic models like the circular flow diagram and production possibilities frontier. The document aims to educate the audience on basic economics principles through the lens of the banking industry in India.
Financial performance of selected banks in patiala punjab national bank unio...IAEME Publication
This document analyzes the financial performance of selected public and private sector banks in Patiala, Punjab between 2009-2012. It specifically examines Punjab National Bank and Union Bank of India as public sector banks, looking at trends in deposits and advances. Deposits at PNB's Model Town branch grew steadily over the period, led by savings accounts. Short-term loans comprised about half of PNB's total advances. The study aims to compare profitability between public and private banks and suggest measures for improved performance.
Effectiveness of training @ canara bank project reportBabasab Patil
The document provides an overview of Canara Bank, a leading public sector bank in India established in 1906. It discusses the bank's financial performance over the last two years, achieving the highest net profit among nationalized banks in 2004 and 2005. The report also describes a study conducted on the bank's training programs, finding that the programs were successful and met respondents' needs and expectations. It provides suggestions such as introducing more marketing and product awareness programs.
The Bank of Baroda was founded in 1908 in India and was later nationalized by the Indian government in 1969. It is currently one of the largest banks in India with over 5,500 branches worldwide. In 2018, the Indian government proposed merging Bank of Baroda, Vijaya Bank, and Dena Bank to create the third largest bank in India in an effort to consolidate the country's banking system. Bank of Baroda offers a wide range of personal and commercial banking services both within India and internationally.
New retail banking and investment service bank newNikhil Bagdi
This document is a summer internship project report submitted by Nikhil Verma to fulfill requirements for an MBA program. The report discusses Nikhil's internship at Axis Bank, where he studied the bank's retail banking and investment services. The report is divided into several chapters that introduce the topic, discuss Axis Bank, describe the report's objectives and methodology, provide interpretations and learnings from the internship, and draw conclusions.
State Bank of India (SBI) is India's largest bank. The document discusses SBI, including that it provides medium and long-term financing to industries and agriculture. It also lists the Central Board of Directors and Managing Directors that oversee SBI. Some advantages of SBI are its widespread branch network, large ATM network, and online payment options. However, disadvantages include potentially high costs, fluctuating interest rates, and delays.
This document provides details about Ketan Gyanchandani's summer internship project at AXIS Bank. It includes the project guide names from AXIS Bank, Ketan's faculty mentor from his university, and declarations about the project. The project aims to study the nuances and workings of retail banking. It discusses AXIS Bank's products, account opening procedures, risk management practices, and recently launched government schemes like Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
This document is a project report submitted by Vedansh Jain to Jagannath Institute of Management Studies. The report provides an overview of Axis Bank, including its history, products, and services. It discusses Axis Bank's retail banking, corporate banking, and financial performance. The report also examines various loan and credit card products offered by Axis Bank, including details on eligibility, documentation requirements, and interest rates.
SKS Microfinance: Q4 net profit grows a whopping 49.50%; BuyIndiaNotes.com
SKS Microfinance Limited reported its financial results for the quarter ended March 31, 2015. The company's net profit increased 49.5% to Rs. 405.36 million compared to Rs. 271.15 million in the same quarter of the previous year. Revenue for the quarter rose 42.9% to Rs. 1976.19 million. Earnings per share stood at Rs. 3.21, up 28.1% from the previous year. Loan disbursements increased 58% year-over-year to Rs. 24940 million. As of March 31, 2015, the company had a net worth of Rs. 10460 million and a capital adequacy ratio of 31.7%.
DCB Bank is a private sector bank in India with over 140 branches across 17 states. In the past year, the bank has seen growth in profits and a decrease in gross NPAs. The bank targets self-employed customers including small businesses and MSMEs, sectors that are important to the Indian economy. The bank is expanding its branch network rapidly and is well positioned to benefit from economic growth and government support for small businesses.
The document discusses factors that determine the profitability and liquidity of commercial banks. It lists 10 factors that affect profitability, including the amount of working funds deployed, cost and yield of funds, spread, operating costs, risk costs, non-interest income, technology usage, level of non-performing assets, and competition level. It also lists 8 factors that determine liquidity, such as statutory reserve requirements, banking habits, monetary transactions, money market conditions, banking system structure, deposit size and type, and other banks' liquidity policies. Maintaining a balance between profitability and liquidity ensures a commercial bank's sound operation.
Medium to Long Term Investment Idea: Capital TrustIndiaNotes.com
Capital Trust is a Non Banking Finance Company that provides micro loans in rural and semi-urban areas. In its quarterly financial report for Q4 FY15: net profit increased 354% to Rs. 28.31 million compared to the same quarter last year; net sales grew 82% to Rs. 117.28 million; operating profit rose 98% to Rs. 83.73 million. The company's EPS for Q4 was Rs. 3.77, up from Rs. 0.83 in the corresponding period of the previous year. Capital Trust has recommended a dividend of Rs. 1.00 per share (10%) for the full year FY15. The company expects its net sales and PAT to grow at
A study on Financial Performance of ICICI Bank with special reference to loan...Shivashakthi C
This document analyzes the financial performance of ICICI Bank from 2010-2015 based on loans, deposits, ratios, and trends. It finds that deposits and loans increased annually. Interest expenses decreased relative to interest earned. Investments decreased as a percentage of total assets while net interest margin increased. Non-performing assets initially increased but current and savings account deposits also increased. Overall, the analysis finds ICICI Bank maintained satisfactory financial growth and profitability over the period studied.
Commercial banks have several key objectives including mobilizing savings through various accounts, granting loans and advances, and providing treasury and payment services. They have advantages like numerous locations for accessibility, offering competitive prices on products and services, and providing a wide range of financial offerings. Canara Bank is a major public sector bank in India with over 5000 branches that offers various banking and financial services and has received several awards for its performance and initiatives.
The State Bank of India is the largest bank in India. It was founded in 1955 when the government nationalized the Imperial Bank of India. SBI has over 22,000 branches across India and overseas. It has over 200,000 employees, making it one of the largest employers in the country. SBI provides a variety of banking services including retail banking, corporate banking, investment services, insurance, and credit cards.
This document provides an overview of the banking industry in India. It discusses the origins and growth of banking in India, with the first banks being established in the late 18th century. The banking industry has grown at over 51% annually since 2001. The market structure discusses the different types of banks in India including public sector banks, private sector banks, foreign banks, cooperative banks, and more. Tables also show the top 10 banks in India and worldwide by total assets. Graphs illustrate the growth in credit portfolio, domestic credit as a percentage of GDP, and other key metrics for major banks over several fiscal years.
The document summarizes an event focused on advancing Islamic microfinance through collaboration and discussion. It provides objectives of increasing understanding of Islamic financial principles, identifying participant interests, and discussing lessons learned and key questions around expanding Islamic microfinance. Potential breakout groups are outlined covering products, back-office operations, governance/management, and legal/regulatory issues. Examples of Islamic financing mechanisms are also defined.
- Founded in 1906 in Mangalore, Canara Bank is one of the largest public sector banks in India.
- It has over 6000 branches across India and branches in London, Shanghai, and Mumbai.
- In the financial year ending 2017, Canara Bank reported a net profit of Rs. 1,121.92 crores on total assets of Rs. 583,519 crores.
Development Credit Bank has grown significantly over the past year. Net profits increased to Rs. 7.4 crore in FY 2006-07 compared to a loss of Rs. 85.3 crore the previous year. Total deposits grew 41% to Rs. 4,415 crore and advances grew 42% to Rs. 2,658 crore. Non-interest income rose 67% to Rs. 92.5 crore. The bank continues to focus on improving asset quality and expanding its branch network across India.
Merchant banks in Bangladesh help raise capital for new businesses through activities like underwriting public issues, managing IPOs, and providing loans. The study examined the operations of five major merchant banks in Bangladesh from 2014 to 2018. Financial analysis found that banks engaged in a range of merchant banking activities like securities investment, margin lending, fee/commission income, and interest/investment income. Descriptive analysis found that most respondents agreed the key roles of merchant banks are helping clients raise funds and manage public issues.
This document provides an overview and financial analysis of Yes Bank, an Indian private sector bank. Some key details:
- Yes Bank was founded in 2004 and is headquartered in Mumbai. It provides banking and financial services.
- As of 2015, Yes Bank had revenues of $3.7 billion, net income of $470 million, and total assets of $14 billion.
- The bank has received several awards and recognitions for its performance and innovation.
- Over the last 5 years, Yes Bank has seen significant growth in deposits, advances, and total assets, with profits also rising steadily over this period.
- Various ratios show improving performance and profitability from 2013-2017 across areas like margins,
Yes Bank is India's fourth largest private sector bank. It has a presence in 29 states and 7 union territories of India. Some key highlights from the document include:
- Yes Bank has partnered with various companies like Cisco, Intel, and Wipro.
- The bank's net interest income grew by 32.44% in the recent fiscal year.
- The bank is focused on being a high quality, customer centric and service driven bank catering to future businesses in India.
- Yes Bank plans to grow its retail business to 45% of overall business by 2020.
Management of banks & financial institutionsArpanKhanna3
The document provides details about HDFC Bank, one of India's leading private sector banks. It discusses HDFC Bank's history since 1994, operations including branches, ATMs and services provided. It also outlines the bank's financial performance over the years in terms of deposits, advances, assets and profits. Various ratios analyzing the bank's capital adequacy, asset quality, management efficiency, liquidity and other aspects are presented.
Equity Research Report of Kotak mahindra bankAkshay Virkar
Kotak Mahindra Bank is an Indian financial services firm that was previously a non-banking financial company but converted to a bank in 2003. The document analyzes the company's fundamentals, including its financial performance, ratios, industry analysis and comparison to peers. It finds that the company has stable financial results that project future growth for Kotak Mahindra Bank.
The Kotak Mahindra Group is a leading Indian financial services company established in 1985. It provides a wide range of banking, insurance, and investment services. The group has expanded significantly over time through organic growth and acquisitions, and now includes Kotak Mahindra Bank, Kotak Mahindra Life Insurance, and other financial businesses. Kotak Mahindra Bank provides retail banking services like savings and current accounts, as well as payment, investment, and insurance offerings. It focuses on technology-driven convenience banking and has a growing branch and ATM network across India. The group emphasizes corporate social responsibility and supports initiatives in education, healthcare, and environmental sustainability.
The document discusses the performance of public sector banks in India compared to old private sector banks and new private sector banks. It provides data on key metrics like market capitalization, net worth, deposits, advances, investments, total assets, income, expenses, asset quality, and profitability for various banks. It is observed that public sector banks have significant scope for improvement, especially in efficiency. Suggestions are invited from the public to help improve the performance of public sector banks.
06-04-2024 - NYC Tech Week - Discussion on Vector Databases, Unstructured Data and AI
Discussion on Vector Databases, Unstructured Data and AI
https://www.meetup.com/unstructured-data-meetup-new-york/
This meetup is for people working in unstructured data. Speakers will come present about related topics such as vector databases, LLMs, and managing data at scale. The intended audience of this group includes roles like machine learning engineers, data scientists, data engineers, software engineers, and PMs.This meetup was formerly Milvus Meetup, and is sponsored by Zilliz maintainers of Milvus.
Predictably Improve Your B2B Tech Company's Performance by Leveraging DataKiwi Creative
Harness the power of AI-backed reports, benchmarking and data analysis to predict trends and detect anomalies in your marketing efforts.
Peter Caputa, CEO at Databox, reveals how you can discover the strategies and tools to increase your growth rate (and margins!).
From metrics to track to data habits to pick up, enhance your reporting for powerful insights to improve your B2B tech company's marketing.
- - -
This is the webinar recording from the June 2024 HubSpot User Group (HUG) for B2B Technology USA.
Watch the video recording at https://youtu.be/5vjwGfPN9lw
Sign up for future HUG events at https://events.hubspot.com/b2b-technology-usa/
Learn SQL from basic queries to Advance queriesmanishkhaire30
Dive into the world of data analysis with our comprehensive guide on mastering SQL! This presentation offers a practical approach to learning SQL, focusing on real-world applications and hands-on practice. Whether you're a beginner or looking to sharpen your skills, this guide provides the tools you need to extract, analyze, and interpret data effectively.
Key Highlights:
Foundations of SQL: Understand the basics of SQL, including data retrieval, filtering, and aggregation.
Advanced Queries: Learn to craft complex queries to uncover deep insights from your data.
Data Trends and Patterns: Discover how to identify and interpret trends and patterns in your datasets.
Practical Examples: Follow step-by-step examples to apply SQL techniques in real-world scenarios.
Actionable Insights: Gain the skills to derive actionable insights that drive informed decision-making.
Join us on this journey to enhance your data analysis capabilities and unlock the full potential of SQL. Perfect for data enthusiasts, analysts, and anyone eager to harness the power of data!
#DataAnalysis #SQL #LearningSQL #DataInsights #DataScience #Analytics
Codeless Generative AI Pipelines
(GenAI with Milvus)
https://ml.dssconf.pl/user.html#!/lecture/DSSML24-041a/rate
Discover the potential of real-time streaming in the context of GenAI as we delve into the intricacies of Apache NiFi and its capabilities. Learn how this tool can significantly simplify the data engineering workflow for GenAI applications, allowing you to focus on the creative aspects rather than the technical complexities. I will guide you through practical examples and use cases, showing the impact of automation on prompt building. From data ingestion to transformation and delivery, witness how Apache NiFi streamlines the entire pipeline, ensuring a smooth and hassle-free experience.
Timothy Spann
https://www.youtube.com/@FLaNK-Stack
https://medium.com/@tspann
https://www.datainmotion.dev/
milvus, unstructured data, vector database, zilliz, cloud, vectors, python, deep learning, generative ai, genai, nifi, kafka, flink, streaming, iot, edge
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#SQL #Views #Privacy #Compliance #DataLake
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Talk Delivered at Valencia Codes Meetup 2024-06.
Traditionally, databases have treated timestamps just as another data type. However, when performing real-time analytics, timestamps should be first class citizens and we need rich time semantics to get the most out of our data. We also need to deal with ever growing datasets while keeping performant, which is as fun as it sounds.
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The Modern Marketing Reckoner (MMR) is a comprehensive resource packed with POVs from 60+ industry leaders on how AI is transforming the 4 key pillars of marketing – product, place, price and promotions.
5. Our Vision
To be the ‘Most Admired
Bank' which is Digitally
enabled with a sharp focus
on Micro, Medium and Middle
market enterprises
Our Mission
Devote balanced attention to the interests and
expectations of stakeholders, and in particular:
Customers: Meet and even exceed expectations
of target customers by delivering appropriate
products and services, employing as far as
feasible, single window and 24-hour-seven-day-
week concepts, leveraging a strengthened branch
infrastructure, ATMs, other alternative distribution
channels, cross-selling a range of products and
services to meet customer needs varying over
time, and ensuring the highest standards of
service at all time, guided by our principle of being
'Digital at the fore, human at the core'.
Shareholders: To achieve consistent growth in
shareholder value.
Employees: Develop in every employee a high
degree of pride and loyalty in serving the Bank.
6. GROWTH
After completing the formalities of Banking Regulation Act, 1949and is a major Indian commercial bank in the
private sector having more than thousand branches and ATMs spread across different States in India.
Between 1963 and 1970,
Federal Bank took over Chalakudy Public Bank (est. 20 July 1929 in Chalakudy),
Cochin Union Bank (est. 1963) in Thrissur,
Alleppey Bank (est 1964; Alappuzha),
St. George Union Bank (est. 1965) in Puthenpally, and
Marthandam Commercial Bank (est. 1968) in Thiruvananthapuram. In 1970,
Federal Bank became a scheduled commercial bank and came out with its initial public offering in 1994.
The bank became a Scheduled Commercial Bank in 1970, which also coincided with the Silver Jubilee Year,
since the bank commenced its operation in Aluva and is currently the fourth largest bank in India in terms of capital
base.
8. STRATEGY
Strong, sustainable and
high quality growth in
advances with low risk.
Well diversified business mix.
Scaling up with technology
through operational integration
integration
Pursuing inorganic loan growth
opportunities Propelling
growth through redefined
business vertical architecture
and sharpen market focus
Rubost credit delivery and
management with already built
set up of regional credit
underwriting hubs
Building robust asset quality
and tuborcharging recovery
mechanisms
Gain market shares in rest of
India with continued focus on
home market.
Focus and leverage on strength
created through home market
Concentrate on expansion into
similar geographies:
Maharashtra, Gujarat, NCR,
Tamil Nadu, Punjab & Karanatak
Growth in both assets and
liability side product offerings
with balance across urban and
rural areas
Tapping various retail channels
like in house sales channel, tie
ups for allied products, digital
offerings, strategics partnerships
and alliances, telepresence,
among others
Transformation through
technology with continuous
investments in
digital/technology
Belief in digitally influencing life
life of customers with a guiding
philosophy of ‘Digital at force ,
Human at core’.
Adoption of high technological
platform to drive revenue as
well as improve customer
engagement.
Creation of more innovative
products with successful launch
launch and operations of selfie
(instant account opening ),
Lotza (UPI App), Online
personal loans, etc.
Blrnding data insights through
customer analytics and
behavioural patterns
Continue to strengthen
liability profile
Continue to build strong
liabilities profile with granular
deposit portfolio
Focus on maintaining stable
and growing CASA by
strategically focusing on high
savings bank balance accounts
Ensure stickiness of NR
deposits with continuous
remittance offerings
Continue to provide cushion
against high funding costs with
consistent increase in NRI
deposits
Delight stakeholders with
quality and build pride
Devote balanced attention to
the interest expectations of
stakeholders
Focus on shareholder value
creation
Build finesse in employees
leading to high degree of pride
and loyalty in serving the bank
Meet and exceed customer
exceptions with appropriate
products , leveraging branch
infra, capitalizing on multiple
avenues of distribution
Maintain robust standard of
corporate governance
Ensure highest standards of
services to all stakeholders
13. QUARTERLY | ANNUAL SEP 2021 JUN 2021 MAR 2021 DEC 2020 SEP 2020
Total Income 4,013.46 4,147.77 3,996.43 4,088.77 4,131.32
Total Income Growth (%) -3.24 3.79 -2.26 -1.03 1.87
Provisions & Contingencies 264.53 671.00 255.63 439.34 625.43
Provisions & Contingencies
Growth (%)
-60.58 162.49 -41.81 -29.75 52.79
Profit after Tax (PAT) 499.42 356.76 521.24 418.14 315.45
PAT Growth (%) 39.99 -31.56 24.66 32.55 -22.97
Gross NPA (%) 3.22 3.51 3.35 2.67 2.80
Net NPA (%) 1.15 1.28 1.18 0.61 0.99
Net Profit Margin (%) 12.44 8.60 13.04 10.23 7.64
Basic EPS (₹) 2.34 1.79 2.61 2.10 1.58
INCOME (P/L) in cr.
14. ANNUAL FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
Return on Equity (%) 9.86 10.63 9.37 7.20 9.29
Return on Assets (%) 0.78 0.85 0.78 0.63 0.72
Cost to Income (%) 37.49 33.26 33.54 35.40 33.85
Interest income to Earning
assets (%)
6.83 7.31 7.16 7.05 7.54
Interest Expense to Earning
assets (%)
4.08 4.73 4.54 4.46 4.89
Price to Earnings (x) 9.51 5.30 15.38 20.08 18.98
Price to Book (x) 0.94 0.56 1.44 1.44 1.76
Price to Sales (x) 1.10 0.62 1.68 1.81 1.81
Operating Profit Margin (%) -2.57 -2.94 -0.93 -2.87 -2.89
Ratio
15. Cash Flow
Rs (in Crores)
Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17
Profit Before Tax 2137.27 2032.53 1907.25 1343.86 1306.50
Net Cash Flow from Operating Activity 12207.21 4884.08 8170.89 -4697.34 3756.99
Net Cash Used in Investing Activity -3902.18 -4669.18 -3374.24 -1576.61 -2382.90
Net Cash Used in Financing Activity -1290.13 2288.52 -3935.51 8025.03 658.71
Net Inc/Dec In Cash and Cash
Equivalent
7016.81 2507.78 863.39 1751.23 2032.36
Cash and Cash Equivalent - Beginning
of the Year
12574.58 10066.80 9203.41 7452.17 5419.81
Cash and Cash Equivalent - End of
the Year
19591.39 12574.58 10066.80 9203.41 7452.17
19. Bullish signal on daily chart
Appeared on: 31 Dec 2021
10D EMA: 82.94
Last 4 Buy Signals:8 Dec 2021
Date
7 days Gain/Loss
%
8 Dec 2021 3.38%
30 Sep 2021 3.08%
14 Sep 2021 5.28%
8 Sep 2021 0.18%
Average price gain of 3.77% within 7 days of Bullish signal
in last 5 years
25. SHAREHOLDERS TOTAL SHARES (CR) IN %
Icici Prudential Mutual Fund 11.63 5.61%
SHAREHOLDERS TOTAL SHARES (CR) IN %
Templeton Mutual Fund 9.72 4.69%
Yusuffali Musaliam Veettil Abdul Kader 7.64 3.69%
Hdfc Mutual Fund 7.16 3.45%
Nippon Life India Trustee Ltd 6.00 2.9%
Hdfc Life Insurance Company Limited 5.96 2.88%
Kotak Mutual Fund 5.93 2.86%
Dsp Mutual Fund 5.49 2.65%
Jhunjhunwala Rakesh Radheshyam 5.47 2.64%
Tata Aia Life Insurance Co Ltd 4.37 2.11%
Sbi Mutual Fund 3.99 1.93%
Lic Of India 3.84 1.85%
Ifc Emerging Asia Fund, Lp 3.67 1.77%
Ifc Financial Institutions Growth Fund, Lp 3.67 1.77%
Bank Muscat India Fund 3.34 1.61%
Mirae Asset Mutual Fund 3.17 1.53%
International Finance Corporation 3.15 1.52%
Kotak Funds 2.86 1.38%
Uti - Core Equity Fund 2.80 1.35%
Vanguard Emerging Markets Stock Index
Fund
2.18 1.05%
Rakesh Jhunjhunwala Rekha
Jhunjhunwala
2.10 1.01%
Public Shareholders (above 5%) Dec 21
Public Shareholders (above 1%) Dec 21
26. Ratings Current
1 Week
Ago
1 Month
Ago
3 Months
Ago
Strong Buy 17 17 18 19
Buy 7 7 7 7
Hold 4 4 4 2
Sell - - - 1
Strong Sell - - - -
# ANALYSTS 28 28 29 29
ANALYST TRENDS
•TARGET ₹120
27. Digital migration INNOVATION ANG GROWTH THROUGH
PARTNERSHIP
Digital Transactions have seen a 34% YoY growth ACCOUNT AGGREGATOR
• 5 Major banks to go live on account aggregator ecosystem
• AA is a new concept wherein the data is aggregated by financial
institutions , insurance companies etc. can be used for consumption
digitally entirely based on a valid customer consent.
• With use cases from NTB acquisition to cross selling of multiple
products , this one place to vouch for in the coming days.
Count of digital active users continues to increase BHARATPE (Merchant Network)
• An offline acquirer of merchants providing QR codes of UPI payments,
payments, POS machines and facilitating small loans.
• Bank now processes the highest number of transactions for Bharat
pe.
• Federal Bank is the No. 1 partner bank of Bharat pe having 45L+
Merchants on the platform & perform 14L+ transactions everyday.
Mobile banking volume stands at 10,868 Crore, a 37%
YoY growth.
Comprehensive school Management Solution
Career book
• Next generation school management for educational institutions.
• Makes fee payment hassle free. Schools on the platform have direct
access to Bharat Billpay (BBPS) enabling parents to make payments
through 150 plus UPI Apps and Mobile/Net Banking of all banks .
• School can subscribe to other features like Admission, Attendance,
Examination, Promotion etc.
Digital share stands at 87.50% foe the month of sep-
2021
INTERPRETATION
28. CASA grew by 18%
YoY and CASA Ratio
at all time high level
of 36.16%
• Strong traction in
NIM @ 3.20% and
pick up in NII @ Rs.
1479 Cr
Net Profit @ Rs. 460
Cr, grew by 50% YoY
Operating Profit at
Rs. 865 Cr
Total Advances grew
by 10% YoY
Agri Business grew
by 20% YoY
Retail Advances
grew by 12% YoY
Total Savings
Deposits grew by
16% YoY
Retail Deposits at
94% of Total
Deposits
Strong traction in
Core Fee Income @
Rs. 373 Cr, increase
of 29% YoY
INTERPRETATIONS
29. Retail advances grew
by 11.76% to reach
Rs.44264.37 Cr
Gold Loans
registered a growth
of 25.88% to reach
Rs.15976.00 Cr
Agri advances
reached
Rs.17890.00 Cr
registering a growth
of 20.23%
CASA grew by
17.82% from
Rs.52785.84 Cr to
Rs.62190.88 Cr
Total Deposits
increased by 9.73%
from Rs. 156747.39
Cr to Rs.171994.75
Cr
Investments stood at
Rs. 36976.73 Cr
Book Value per
share increased
from Rs. 76.38 to Rs.
83.57
The Bank earned Net
Interest Income of
Rs. 1479.42 Cr for
the quarter ended
30th September
2021..
Net Profit 460.26 cr
From 307.62cr, yoy
growth 49.62%
Resident Savings
Bank Deposits of the
Bank grew from Rs.
23084.29 Cr to Rs.
27716.43 Cr
INTERPRETATIONS
30. CONCLUSION
As per my opinion Federal Bank show steadily growth , I will suggest u to buy the
shares of this company.
It will give all the investors a huge profit in future
Now again there may be some issue of due to pandemic but Federal Bank will
not keep itself down, it has improves its digital migration , innovation , create
partnership with other merchants banks.
It does not have much risk in it , so a normal retail investor can buy it.
Overall , it will be better for all investors to invest in Federal Bank shares and it
will help to earn profit.