2-the origin & growth of banking
DESCRIPTION
History of indian bankingTRANSCRIPT
Presented by
DrSCBihariDrSCBihariIBSHYDERABADIBSHYDERABAD
Banking Cornerstone of ModernEconomy Banking Rapid Transformation Banks Wide range of products and services Service Delivery Fast and Efficient Core Services Resource Mobilization and Deployment
What is bankingWhat is banking
Banking an age-old phenomenon Barter system giving way to money Safe Deposit becomes necessity Originated from temples and royal palaces
Goldsmiths were the initial bankers
Indian Banking ndashEarly Phase Three presidency banks were established in
Calcutta (1806) in Bombay (1840) and in Madras (1843)
In Early 20th century during Swadeshi movement a number of Banks set up
By Indians like Bank of India Bank of Baroda and Central Bank of India
In 1921 the three presidency banks were merged and the Imperial Bank of India was created
Indian Banking- Early Phase
In 1955 State Bank of India became the successor to the Imperial Bank of India under the State Bank of India Act1955
In 1959 State Bank of India (Subsidiary Banks) Act was passed to enable SBI to take over State Associated banks as SBIrsquos subsidiaries
Legal frame workOf Banks
RBI ACT1934 Banking Regulation Act1949
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Banking Cornerstone of ModernEconomy Banking Rapid Transformation Banks Wide range of products and services Service Delivery Fast and Efficient Core Services Resource Mobilization and Deployment
What is bankingWhat is banking
Banking an age-old phenomenon Barter system giving way to money Safe Deposit becomes necessity Originated from temples and royal palaces
Goldsmiths were the initial bankers
Indian Banking ndashEarly Phase Three presidency banks were established in
Calcutta (1806) in Bombay (1840) and in Madras (1843)
In Early 20th century during Swadeshi movement a number of Banks set up
By Indians like Bank of India Bank of Baroda and Central Bank of India
In 1921 the three presidency banks were merged and the Imperial Bank of India was created
Indian Banking- Early Phase
In 1955 State Bank of India became the successor to the Imperial Bank of India under the State Bank of India Act1955
In 1959 State Bank of India (Subsidiary Banks) Act was passed to enable SBI to take over State Associated banks as SBIrsquos subsidiaries
Legal frame workOf Banks
RBI ACT1934 Banking Regulation Act1949
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Banking an age-old phenomenon Barter system giving way to money Safe Deposit becomes necessity Originated from temples and royal palaces
Goldsmiths were the initial bankers
Indian Banking ndashEarly Phase Three presidency banks were established in
Calcutta (1806) in Bombay (1840) and in Madras (1843)
In Early 20th century during Swadeshi movement a number of Banks set up
By Indians like Bank of India Bank of Baroda and Central Bank of India
In 1921 the three presidency banks were merged and the Imperial Bank of India was created
Indian Banking- Early Phase
In 1955 State Bank of India became the successor to the Imperial Bank of India under the State Bank of India Act1955
In 1959 State Bank of India (Subsidiary Banks) Act was passed to enable SBI to take over State Associated banks as SBIrsquos subsidiaries
Legal frame workOf Banks
RBI ACT1934 Banking Regulation Act1949
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Indian Banking ndashEarly Phase Three presidency banks were established in
Calcutta (1806) in Bombay (1840) and in Madras (1843)
In Early 20th century during Swadeshi movement a number of Banks set up
By Indians like Bank of India Bank of Baroda and Central Bank of India
In 1921 the three presidency banks were merged and the Imperial Bank of India was created
Indian Banking- Early Phase
In 1955 State Bank of India became the successor to the Imperial Bank of India under the State Bank of India Act1955
In 1959 State Bank of India (Subsidiary Banks) Act was passed to enable SBI to take over State Associated banks as SBIrsquos subsidiaries
Legal frame workOf Banks
RBI ACT1934 Banking Regulation Act1949
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Indian Banking- Early Phase
In 1955 State Bank of India became the successor to the Imperial Bank of India under the State Bank of India Act1955
In 1959 State Bank of India (Subsidiary Banks) Act was passed to enable SBI to take over State Associated banks as SBIrsquos subsidiaries
Legal frame workOf Banks
RBI ACT1934 Banking Regulation Act1949
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Two historic events of1969 that revolutionalised Indian banking scenario
(1)Social Control on Banking Companies (2)Nationalization of 14 major Indian banks
Bank nationalization Banking services to reach the masses
Bank nationalization ldquoThe first banking revolution in Indiardquo
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
The then Prime Minister Mrs Indira Gandhi addressing Indian national Congress workers soon after nationalisation of banks in 1969
6132014 7
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Slow down in branch expansion Special thrust on internal control Expansion of bank branches Moderate-
26 pa Deposits grew 177 and credit
146 Profit Major thrust area Profit growth 517pa A Dangerous Development Write off of
Bank Loans
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Sickness in Economy and Banking Doctor appointed to cure both Three prominent pills LPG Narasimham Committee Report lsquosecond banking revolutionrsquo through-
Setting up of new Private Sector Banks Introduction of prudential accounting norms
Competition and Professionalisation
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Narasimham Committee II 1998 for reviewing the direction of reforms
Major areas covered Strengthening capital adequacy Asset quality Prudential norms amp disclosure requirements
Systems and methods in Banks and Structural issues
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Progress of banking in India Branch expansion Increased from 8260 in 1969
to about 1lac in 2013besides 1lac plus ATMs Population served per branch has come down
from 64000 to 12000 Deposit Mobilisation 1951-1971 (20 years)- 700 or 7 times 1971-1991 (20 years)- 3260 or 326 times 1991- 2011 (20 years)- 1500 or 15 times
Expansion of bank credit Growing at an average of 20 pa due to rapid growth in industrial and agricultural output
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
RESERVE BANK OF INDIA
Scheduled Banks( Included in the Second Schedule of the RBI ACT 1934)
Non-Scheduled Banks
Commercial Banks State Co-operative Banks
District Cooperative Banks
STRUCTURE OF INDIAN BANKING
PCS
Regional Rural Banks
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Types of BanksCentralBankRBI
Public Sector Banks
New PrivateSectorBanksOld
PrivateSector
Foreign Banks
Co-operativeBanks
RegionalRural Banks
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Classification of Pubic Sector Banks
PUBLIC SECTORBANKS
STATE BANK OF INDIA
SBI
SBI ASSOCIATEBANKS
NATIONALISEDBANKS
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
STATE BANK OF INDIA AND ITS SUBSIDIARIES
1 STATE BANK OF BIKANER amp JAIPUR
2 STATE BANK OF HYDERABAD
3 STATE BANK OF MYSORE
4 STATE BANK OF PATIALA
5 STATE BANK OF TRAVANCORE
STATE BANK OF SAURASHTRA STATE BANK OF INDORE SINCE MERGED WITH STATE BANK OF INDIA
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
NATIONALIZED BANKS
1 ALLAHABAD BANK
2 ANDHRA BANK
3 BANK OF BARODA
4 BANK OF INDIA
5 BANK OF MAHARASHTRA
6 CANARA BANK
7 CENTRAL BANK
OF INDIA
8 CORPORATION BANK
9 DENA BANK
10 IDBI BANK
11 INDIAN BANK
12 INDIAN OVERSEAS BANK
13 ORIENTAL BANK OF COMMERCE
14 PUNJAB NATIONAL BANK
15 PUNJAB amp SIND BANK
16 UNION BANK OF INDIA
17 UNITED BANK OF INDIA
18 UCO BANK
19 SYNDICATE BANK
20 VIJAYA BANK
21BHARATIYA MAHILA BANK
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
PRIVATE SECTOR BANKS Old Generation Private banks
New Generation Private banks
Foreign banks in India
Scheduled Co-operative banks
Non-Scheduled banks
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
OLD PRIVATE BANKS
(1)(1)City Union Bank Ltd City Union Bank Ltd (2)(2)Development Credit Bank Ltd Development Credit Bank Ltd (3)(3)ING Vysya Bank Ltd ING Vysya Bank Ltd (4)(4)The Karnataka Bank Ltd The Karnataka Bank Ltd (5)(5)Tamil Nadu Mercantile Bank Ltd Tamil Nadu Mercantile Bank Ltd (6)(6)The Catholic Syrian Bank Ltd The Catholic Syrian Bank Ltd (7)(7)The Dhanalaxmi Bank Ltd The Dhanalaxmi Bank Ltd (8)(8)The Federal Bank Ltd The Federal Bank Ltd (9)(9)The Jammu Kashmir Bank Ltd The Jammu Kashmir Bank Ltd (10)(10)The Laxmi Vilas Bank Ltd The Laxmi Vilas Bank Ltd (11)(11)The South Indian Bank LtdThe South Indian Bank Ltd
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
NEW GENERATION PRIVATE BANKS
(1)(1) Axis Bank Ltd Axis Bank Ltd (2) HDFC Bank Ltd(2) HDFC Bank Ltd(3) ICICI Bank Ltd (3) ICICI Bank Ltd (4) Induslnd Bank Ltd (4) Induslnd Bank Ltd (5) Kotak Mahindra Bank Ltd (5) Kotak Mahindra Bank Ltd (6) Yes Bank Ltd(6) Yes Bank Ltd
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
MAJOR Foreign Banks in India BNP Paribas Bank Citi Bank Deutsche Bank HSBC JPMorgan Chase Bank Standard Chartered Bank Scotia Bank
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Central Co-operative banks
State Co-operative banks
Primary Agricultural Credit societies
Land Development banks
Urban Co-operative banks
State Land Development banks
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Industrial Finance Corporation of India (IFCI) Industrial Credit amp Investment Corporation of
India (ICICI) Small Industries Development Bank of India
(SIDBI) National Bank for Agriculture amp Rural
Development (NABARD) Export-Import Bank of India National Housing Bank
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
TRANSACTION SERVICES INTERMEDIATION PAYMENT AND SETTLEMENT SYSTEM REAL-TIME GROSS SETTLEMENT Other Financial Services CAPITAL MARKET PRODUCTS Advisory services Transaction support Custodial services
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Technological revolution Disintermediation and securitization Service proliferation Rising competition Deregulation Rising funding costs and shrinking spreads
Consolidation and geographic expansion
Globalization of banking
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention
Dr S C Bihari TellTell0841708417--236660 to 65(Extn 6214)236660 to 65(Extn 6214) Mailscbiharigmailcom
Thanks for your attention