indian banking scenario
TRANSCRIPT
-
8/6/2019 Indian Banking Scenario
1/14
Indian Banking Scenario:
-
8/6/2019 Indian Banking Scenario
2/14
-
8/6/2019 Indian Banking Scenario
3/14
Segments:
The Indian financial system comprises the following institutions:
1. Commercial banks
a. Public sector
b. Private sector
c. Foreign banks
d. Cooperative institutions
(i) Urban cooperative banks
(ii) State cooperative banks
(iii) Central cooperative banks
2. Financial institutions
a. All-India financial institutions (AIFIs)
b. State financial corporations (SFCs)
c. State industrial development corporations (SIDCs)
3. Nonbanking financial companies (NBFCs)
4. Capital market intermediaries
About 92 percent of the countrys banking segment is under State control while the balance
comprises of private sector and foreign banks. The public sector commercial banks are divided
into three categories.
yState bank group (eight banks): This consists of the State Bank of India (SBI) and AssociateBanks of SBI. The Reserve Bank of India (RBI) owns the majority share of SBI and some
Associate Banks of SBI. It has 13 head offices governed each by a board of directors under the
supervision of a central board.
yNationalized banks (19 banks): In 1969, the nationalization of 14 scheduled commercialbanks were arranged by the Government in order to expand the branch network, followed by
-
8/6/2019 Indian Banking Scenario
4/14
six more in 1980. A merger reduced the number from 20 to 19. Nationalized banks are wholly
owned by the Government, although some of them have made public issues. Nationalized
banks are centrally governed, i.e., by their respective head offices. Thus, there is only one
board for each nationalized bank and meetings are less frequent (generally, once a month). The
state bank group and nationalized banks are together referred to as the public sector banks
(PSBs).
yRegional Rural Banks (RRBs): In 1975, the state bank group and nationalized banks wererequired to sponsor and set up RRBs in partnership with individual states to provide low-cost
financing and credit facilities to the rural masses.
Commercial Banking, also known as business banking is a bank that provides checking
accounts, savings account etc. Commercial Banks can be further grouped into nationalized
banks, regional rural banks, private sector banks and the State Bank of India and its group banks.
These banks have over 68,681 branches across the country.
The Co-operative Banks in India started functioning almost 100 years ago. The co-operative
banks in India play an important role in rural financing. The cooperative bank in India finances
rural areas under: Farming, Cattle, Milk, Personal Finance etc, whereas they finance urban areas
under: Self Employment, Industries, Small scale units, Home finance, Consumer Finance etc.The Public Sector Banks (PSBs) are the base of the Banking Sector in Indian and it accounts for
more than 78% of the total banking industry assets. But they are burdened with excessive Non
Performing assets(NPAs). They are leaders in Internet banking, mobile banking, ATMs etc. In
India some of the Private sector Banks are ING Vyasa Bank, IDBI Bank, SBI commercial and
International Bank Ltd etc.
The Public Sector includes Vijaya Bank, UCO Bank, Allahabad Bank, Punjab National Bank,
oriental bank etc. Some of the foreign banks operating in the Indian Banking Industry are ABN-
AMRO Bank, Citibank, American Express Bank Ltd, ANZ Grindlays Bank etc.
-
8/6/2019 Indian Banking Scenario
5/14
-
8/6/2019 Indian Banking Scenario
6/14
The Structure of Indian Banking System
-
8/6/2019 Indian Banking Scenario
7/14
Table 1 : List of 14 nationalized banks:
Central Bank of India Punjab National Bank
Bank of Maharashtra Dena Bank
UCO Bank Syndicate Bank
Canara Bank Indian Bank
Indian Overseas Bank Bank of Baroda
Union Bank Allahabad Bank
United Bank of India Bank of India
Table 2 : The following is a list of the Scheduled Banks in India (Private Sector):
ING Vysya Bank Ltd
Axis Bank Ltd
Indusind Bank Ltd
ICICI Bank Ltd
South Indian Bank
HDFC Bank Ltd
Centurion Bank Ltd
Bank of Punjab Ltd
IDBI Bank Ltd
Table 3 : The following is a list of the Scheduled Banks in India (Public Sector):
State Bank of India State Bank of Bikaner and
Jaipur
State Bank of Hyderabad
State Bank of Indore State Bank of Mysore State Bank of Saurashtra
State Bank ofTravancore Andhra Bank Allahabad Bank
Bank of Baroda Bank of India Bank of Maharashtra
Canara Bank Central Bank of India Corporation Bank
Dena Bank Indian Overseas Bank Indian Bank
-
8/6/2019 Indian Banking Scenario
8/14
Oriental Bank of Commerce Punjab National Bank Punjab and Sind Bank
Syndicate Bank Union Bank of India United Bank of India
UCO Bank Vijaya Bank
Table 4 : The following is the list of the Scheduled Foreign Banks in India:
American Express Bank Ltd. ANZ Gridlays Bank Plc.
Bank of America NT & SA Bank ofTokyo Ltd.
Banquc Nationale de Paris Barclays Bank Plc
Citi Bank N.C. Deutsche Bank A.G.
Hongkong and Shanghai Banking Corporation Standard Chartered Bank.
The Chase Manhattan Bank Ltd. Dresdner Bank AG.
Table 5 : The following is the list of Public Sector Banks in 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
UCO Bank Union Bank of India United Bank of India
Vijaya Bank
Table 6 : List of State Bank of India and its subsidiary, a Public Sector Banks
State Bank of Bikaner & Jaipur State Bank of HyderabadState Bank of Indore State Bank of Mysore
State Bank of Saurashtra State Bank ofTravancore
Table 7 : List of Private Banks in India
-
8/6/2019 Indian Banking Scenario
9/14
Bank of Punjab Bank of Rajasthan
Catholic Syrian Bank Centurion Bank
City Union Bank Dhanalakshmi Bank
Development Credit Bank Federal Bank
HDFC Bank ICICI Bank
IDBI Bank IndusInd Bank
ING Vysya Bank Jammu & Kashmir Bank
Karnataka Bank Karur Vysya Bank
Laxmi Vilas Bank South Indian Bank
United Western Bank UTI Bank
-
8/6/2019 Indian Banking Scenario
10/14
-
8/6/2019 Indian Banking Scenario
11/14
ING Annual results in brief
Mar ' 11 Mar ' 10 Mar ' 09 Mar ' 08 Mar ' 07
Sales 2,694.06 2,232.90 2,239.89 1,680.44 1,401.38
Operating profit 1,516.44 1,154.37 1,337.25 1,014.95 792.62Interest 1,687.54 1,403.06 1,590.27 1,182.05 859.32
Gross profit 635.47 611.23 424.81 287.09 229.31
EPS (Rs) 26.34 20.19 18.40 13.33 9.78
-
8/6/2019 Indian Banking Scenario
12/14
-
8/6/2019 Indian Banking Scenario
13/14
-
8/6/2019 Indian Banking Scenario
14/14