Union budget analysis on banking
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The document summarizes key points from India's banking sector budget. It notes that aggregate bank credit growth has slowed, but GDP growth is forecast to increase. Non-performing assets have risen for public sector banks but improved for private banks. The budget provides capital support to public sector banks and encourages lending to priority sectors like agriculture and affordable housing. It also aims to boost infrastructure funding and develop postal networks to drive financial inclusion.
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The document discusses the nationalization of banks in India. It occurred in three phases from 1955 to 1980 when several large commercial banks were nationalized. The objectives of nationalization included achieving social welfare goals, controlling private monopolies, curbing interlocking directorates, and ensuring bank lending aligned with national priorities. While nationalization led to expansion of branches, deposits, credit and social services, public sector banks now face issues like low profitability, fraud, and challenges in priority sector lending. Overall, nationalization transformed Indian banking but ongoing reforms are still needed to address banks' problems and constraints.
Ee bank
The document summarizes reforms in the Indian banking sector in the 1990s following economic liberalization. It discusses the Narasimhan Committee report of 1991 which reviewed issues facing nationalized banks like directed lending, high statutory liquidity ratios imposed by the RBI, and lack of profitability. The document also summarizes various priority sector lending programs and social banking schemes aimed at poverty alleviation as well as the Lead Bank and Service Area Approach programs for rural credit expansion. Overall, it provides an overview of major post-1991 reforms and issues in the Indian banking system based on the Narasimhan Committee recommendations.
Wltf banks ppt
India converted the Development Financial Institutions into Banks or NBFC which was not a wise decision and former RBI governor long argued on the revival of these institutions.
Intermediary services
The document discusses various aspects of consumer financing in India including the growth of consumer financing markets such as auto financing, housing financing, and retail credit/durable goods financing. It notes that southern and western states account for 75% of the consumer finance market. It also discusses innovations and opportunities in rural financing, educational financing, and financing through large retail outlets. The use of credit bureaus and credit scoring to assess risk is also summarized.
Reforms of govt debt market
The document discusses India's debt market and reforms taken to develop it. It notes that the debt market is an important source of funds, especially for developing economies like India. It also discusses various reforms taken by the Reserve Bank of India and the government to promote liquidity, deepen the corporate bond market, and improve debt management. This includes setting up a Public Debt Management Agency, shifting regulation of government bonds from RBI to SEBI, allowing banks to hold corporate bonds long-term, and reviewing disclosure requirements. The goal is to better meet real sector needs, ensure financial stability, and develop new classes of investors in India's growing economy.
Lecture 13.pptx
Banking played a vital role in India's development by financing large industries and promoting investment. Nationalization of banks in 1969 defined India's banking system by expanding reach and increasing savings mobilization and access. Studies show that rural branch expansion from 1970-1990 significantly reduced poverty and increased non-farm output. However, reforms in the 1990s led banks to prioritize large borrowers over small farmers and businesses, reducing credit to rural areas and priority sectors like agriculture.
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Une évaluation comparable de la performance basée sur le temps d'escale des navires
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Comme dans les éditions précédentes de l'ICPP, la production du classement fait appel à deux approches méthodologiques différentes : une approche administrative, ou technique, une méthodologie pragmatique reflétant les connaissances et le jugement des experts ; et une approche statistique, utilisant l'analyse factorielle (AF), ou plus précisément la factorisation matricielle. L'utilisation de ces deux approches vise à garantir que le classement des performances des ports à conteneurs reflète le plus fidèlement possible les performances réelles des ports, tout en étant statistiquement robuste.
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Union budget analysis on banking
- 1. o
- 2. Introduction • Since 1969 the banking sector has played an important role in the economy. • At present there are 26 nationalized banks in our country. • The present 64 trillion Indian banking industry is governed by the banking. regulation act 1949 & closely monitored by the RBI.
- 3. Major Highlights of the Budget • Due to sluggish growth of economy and risk aversion by bank, Aggregate bank credit has gone up by 16.4% during 2013 as compared to17.1% of 2012. • GDP growth forecast an increase to 6.4% compared to 5.0%, 2012-13. • Due to reduction in policy rates bank deposits are expected to grow by 14-15% as compared to 13.3% in 2012. • Net interest margin to decline by 10-15 bps • Agriculture credit. Farmers who repay bank loans right in time normally pay a subsidised rate of interest just at 4%.
- 4. Cont…. • Aggregate GNPA’s of all PSB’s increases to 3.9% as compared to 3.0% dec,2011. • GNPA’s of private banks improved by app ~18 bps to 1.9%. • Expected GNPA of banking sector estimates to remain between 3.4-3.6% by march 2014. • Women bank-capital support of 1000 crore. • Market borrowing plan-6.29lakh crore against 5.70lakh crore.
- 5. Major Players of Banking Sector • State Bank of India Ltd. • Punjab National Bank Ltd. • ICICI Bank Ltd. • HDFC Bank Ltd.
- 6. Factors impacting the major players • The budget proposed to provide 140 billion as capital support to all PSB’s . • Tax deduction of 1 lakh , interest paid on home loan Of Upto 25lakh availed in 2013 for 1st time home buyers. • 20 billion have been allocated to urban housing fund by NHB’s . • Banks have been directed to lend 7000 billion to agri sector which is 21.7% higher than 2012. • Banks are permitted to sell insurance product to multiple companies to increase insurance penetration.
- 7. Cont… • Investment of 49 billion to modernise the postal networks. • To mobilize the fund for estimated 55 trillion in infrastructure the union budget encourages setting up of more IDF’s. • To increase household financial saving the union budget proposes to introduce inflation index bond.
- 8. Impact on Economy •Increasing disposable income and increasing exposure to a range of products, have led consumers towards a higher willingness to take credit, particularly, young customers. •Increasing spread of mobile banking, which is expected to become the second largest channel for banking after ATMs, will accelerate growth of the sector. •Currently, in India, 41% of the adult population don’t have bank accounts, which indicates a large untapped market for banking players. •The increase in GDP growth is expected to pull back the economy on track.
- 10. QUERIES