Seminar on contemporary Seminar on contemporary management issuemanagement issue

Commercial banks in India(A review)

IntroductionIntroduction

Bank, banker Commercial bank

Schedule commercial banks

Evolution and progress of Evolution and progress of banking in India banking in India

Early history During the warsPost-independenceNationalizationLiberalizationCurrent situation

Indian banking systemIndian banking system

Commercial banking systemCommercial banking system

List of commercial banksList of commercial banksPublic sector bankPublic sector bank State Bank of India  Allahabad Bank  Andhra Bank  Bank of Baroda  Bank of India  Bank of Maharashtra  Canara Bank  Central Bank of India  Corporation Bank 

Dena Bank   Indian Bank Indian Overseas Bank   Oriental Bank of Commerce   Punjab & Sind Bank   Punjab National Bank   Syndicate Bank   Union Bank of India   United Bank of India   UCO Bank   Vijaya Bank   IDBI Bank

Indian private banksIndian private banks Axis Bank  Bank of Rajasthan  Bharat Overseas Bank  Catholic Syrian Bank  Centurion Bank of Punjab  City Union Bank  Development Credit Bank  Dhanalakshmi Bank  Federal Bank  Ganesh Bank of

Kurundwad  HDFC Bank  ICICI Bank 

IndusInd Bank ING Vysya Bank  Jammu & Kashmir Bank Karnataka Bank Limited Karur Vysya Bank Kotak Mahindra Bank  Lakshmi Vilas Bank  Nainital Bank Ratnakar Bank SBI Commercial and

International Bank South Indian Bank  Tamilnad Mercantile Bank

Ltd. YES Bank

Foreign banks in IndiaForeign banks in India

ABN-AMRO Bank Abu Dhabi Commercial

Bank Ltd. American Express Bank

Ltd Citibank DBS Bank Ltd Deutsche Bank HSBC Ltd Standard Chartered

Bank

Main function of Main function of commercial banks commercial banks A Acceptance of deposits

Fixed deposit account Saving bank account Current account

B Advancing of loan

Cash credit Call loans Over draft Bills discounting

C Agency function Collecting receipts Making payments Buy and sell securities Trustee and executor

D General utility function Issuing letters of credit, travelers cheques Underwriting share and debentures Safe custody of valuables Providing ATM and credit card facilities Providing credit information

RESERVE BANK OF INDIARESERVE BANK OF INDIA The central bank of India. Established in april,1935. Objective- monetary stability, management of

currency and supervision of financial as well as payments system Main Functions Monetary Functions Non-Monetary Functions

Functions of RBIFunctions of RBIMonetary functions

a.Note issuing authority b.Banker`s bank and

lender of the last resort

c. Banker to the government

d.Custodian of foreign exchange reserves

e.Control of credit

Non-monetary functions

a.Collection and publication of data

b.Regulatory and supervisory function

c. Development and promotion function

State of Banking: 2006-07State of Banking: 2006-07 It focus on the following five aspects of commercial banks Profile of Credit,

Deposits Growth,

Financial Performance,

Financial Inclusion, Migration to Basel II norms

Contemporary and future Contemporary and future issues in Indian bankingissues in Indian bankingHigh capital inflows: an opportunity as well as a

challenge

Technology is the key

Globalization of financial services

Indian Banks at the global stage

Will the stable conditions continue for the banks?

Is size the only constraint for Indian banks?

What is being done to prepare Indian banks to meet global challenge?

Will M&A be Key Competitive Tool?

Thank you