BANKING INDUSTRY
Tasheen Sheikh
Tulika Chopra
Varsha Debnath
Vasvee Gupta
Vidhi Chauhan
Yamini Baghel
BANK
• A bank is a financial
institution that accepts
deposits and channels
those deposits into lending
activities.
Functions Of Banks
• Accepting Deposits
• Lending Money
• Remittances (A remittance is a transfer of money
by a foreign wo...
BANKING INDUSTRY
IN INDIA
• First bank started in 1786.
• RBI became central bank in
1934.
• Nationalized in 1969.
• Liber...
BANKING INDUSTRY
The Public Sector Banks(PSBs), which are the base
of the Banking sector in India account for more
than 78...
INDIAN BANKING
INDUSTRY
• The Indian Banking Industry can be
categorized into
1.non-scheduled banks
2.scheduled banks.
Types of banks
•
•
•
•

Commercial bank:
Community banks:
Co-operative banks:
Private banks:
TYPES OF BANKS
•
•
•
•

Offshore banks:
Savings bank:
Ethical banks:
Islamic banks
Public
Sector Banks

Private
Sector Banks

Co-operative
Sector

•Lets take State Bank of India and its associate banks cal...
Entry regulation
The requirements for the issue of a bank
licence vary between jurisdictions but
typically include:
• Mini...
Major players in the
Indian Banking sector
•
•
•
•
•
•
•
•
•

State Bank Of India.
Allahabad Bank.
HDFC.
Uco Bank.
Punjab ...
HERFINDAHL INDEX: Public sector
source: Capitaline Database
HERFINDAHL INDEX: Private Sector
source: Capitaline Database
Challenges faced by
Banking industry in India
Deregulation: This continuous deregulation
has made the Banking market extre...
Economies of scale
• banking consolidation will result in a small
number of large monopoly banks that can
achieve substant...
REVENUES
• Growth have been more qualitative.
• Based on then projections made in the
“India Vision 2020”.
• Total asset o...
Future outlook
•
•
•
•

RISK MANAGEMENT.
CONSOLIDATION.
GLOBALIZATION/ OVERSEAS EXPANSION.
TECHNOLOGY.
Job Opportunities for MBA in
Banking Sector.
• Specialist Officers.
• Loan Officers.
• Assistant Manager.
I Public sector Banks recruit mainly graduates , MBAs,CAs
and CFAs at the entry level on the basis of All India Level
exam...
Thank Youanks
Any Queries???
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Banking Industry

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How the banking system came in existence and how it have evolve in india.

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Banking Industry

  1. 1. BANKING INDUSTRY Tasheen Sheikh Tulika Chopra Varsha Debnath Vasvee Gupta Vidhi Chauhan Yamini Baghel
  2. 2. BANK • A bank is a financial institution that accepts deposits and channels those deposits into lending activities.
  3. 3. Functions Of Banks • Accepting Deposits • Lending Money • Remittances (A remittance is a transfer of money by a foreign worker to his or her home country.) • Locker’s Facility • Foreign Exchange Business
  4. 4. BANKING INDUSTRY IN INDIA • First bank started in 1786. • RBI became central bank in 1934. • Nationalized in 1969. • Liberalization occurred in 1991.
  5. 5. BANKING INDUSTRY The Public Sector Banks(PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. The Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs
  6. 6. INDIAN BANKING INDUSTRY • The Indian Banking Industry can be categorized into 1.non-scheduled banks 2.scheduled banks.
  7. 7. Types of banks • • • • Commercial bank: Community banks: Co-operative banks: Private banks:
  8. 8. TYPES OF BANKS • • • • Offshore banks: Savings bank: Ethical banks: Islamic banks
  9. 9. Public Sector Banks Private Sector Banks Co-operative Sector •Lets take State Bank of India and its associate banks called the State Bank Group •20 nationalized banks •Regional rural banks mainly sponsored by public sector banks •Old generation private banks •New generation private banks •Foreign banks operating in India •Scheduled co-operative banks •Non-scheduled banks •State co-operative Banks •Central co-operative banks •Primary Agriculture Credit Societies
  10. 10. Entry regulation The requirements for the issue of a bank licence vary between jurisdictions but typically include: • Minimum capital • 'Fit and Proper' requirements for the bank's controllers, owners, directors, and/or senior officers • Approval of the bank's business plan as being sufficiently prudent and plausible.
  11. 11. Major players in the Indian Banking sector • • • • • • • • • State Bank Of India. Allahabad Bank. HDFC. Uco Bank. Punjab National Bank. Bank of Baroda. Canara Bank. ICICI Bank. Axis Bank.
  12. 12. HERFINDAHL INDEX: Public sector source: Capitaline Database
  13. 13. HERFINDAHL INDEX: Private Sector source: Capitaline Database
  14. 14. Challenges faced by Banking industry in India Deregulation: This continuous deregulation has made the Banking market extremely competitive with greater autonomy, operational flexibility and decontrolled interest rate and liberalized norms for foreign exchange. • New rules: Banks are transforming to universal banking, adding new channels with lucrative pricing and freebees to offer. •
  15. 15. Economies of scale • banking consolidation will result in a small number of large monopoly banks that can achieve substantial economies of scale and outperform small competitors. • But research suggests that small banks are sometimes more efficient than their large counterparts. One competitive strategy undertaken by numerous small banks is agricultural lending. • it is not necessary to be large to be efficient for the banks with loan specialization.
  16. 16. REVENUES • Growth have been more qualitative. • Based on then projections made in the “India Vision 2020”. • Total asset of all scheduled commercial banks is estimated at Rs.40,90,000 crores(end march 2012). • Expected to grow at an annual composite rate of 13.4%.
  17. 17. Future outlook • • • • RISK MANAGEMENT. CONSOLIDATION. GLOBALIZATION/ OVERSEAS EXPANSION. TECHNOLOGY.
  18. 18. Job Opportunities for MBA in Banking Sector. • Specialist Officers. • Loan Officers. • Assistant Manager.
  19. 19. I Public sector Banks recruit mainly graduates , MBAs,CAs and CFAs at the entry level on the basis of All India Level examination. • However professionals like engineers, doctors, technologists, lawyers, ex-defence officers etc are recruited on senior positions through All India tests. II Private sector/Foreign Banks prefer to take MBA's, CA's etc at junior positions • through Campus recruitment and interviews. • However, at the senior positions they opt for experienced bankers. • Thus the officers from Public sector Banks become the natural choice for such positions. • Thus job-hopping has become an well-accepted norm in the Industry.
  20. 20. Thank Youanks Any Queries???

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