India Banking System

7/29/2019 India Banking System

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INDIAN BANKING INDUSTRY


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Financial Structure

Commercial

banks

a. Public sectorb. Private sector

c. Foreign banks

d. Cooperative institutions

(i) Urban cooperative

banks

(ii) State cooperative

banks

(iii) Central cooperative

banks

Financial institutions

a. All-India financial institutions (AIFIs)

b. State financial corporations (SFCs)

c. State industrial development corporations (SIDCs)

Nonbankingfinancial

companies

(NBFCs)

Capital market

intermediaries


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Magnitude Of BANK


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Employment in Banks

Bank Group-Wise Distribution of Employees of Schedule Banks


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Market Share of Bank

Share in Assets of Scheduled Commercial Banks


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Technology in Banking


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Key Player in Indian Banking Sector

Public sector banks Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India Bank of Maharashtra

Canara Bank

Central Bank of India

Corporation Bank

Dena Bank IDBI Bank Ltd

Indian Bank

Indian Overseas bank

Oriental Bank of Commerce

Punjab & Sindh Bank

Punjab National Bank

State Bank of India

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

State Bank of Indore

State Bank of Mysore

State Bank of Patiala State Bank of Travancore

UCO Bank

Syndicate Bank


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Private banks

Axis Bank

Bank of Rajasthan

Catholic Syrian Bank

City Union Bank

Development Credit Bank Dhanalakshmi Bank

Federal Bank

HDFC Bank

ICICI Bank IndusInd Bank

ING Vysya Bank

Jammu & Kashmir Bank

Karnataka Bank

Karur Vysya Bank

Kotak Mahindra Bank

Lakshmi Vilas Bank Nainital Bank

Ratnakar Bank

SBI Comm& Intl Bank

South Indian Bank Tamil Nadu Mercantile

Bank

Yes Bank


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Foreign banks

The Royal Bank of Scotland

Abu Dhabi Commercial Bank

American Express Banking

Corporation

Antwerp Diamond Bank AB Bank

Bank International Indonesia

Bank of America

Bank of Bahrain & Kuwait

Bank of Ceylon

Bank of Nova Scotia

Bank of Tokyo Mitsubishi UFJ

Barclays Bank

BNP Paribas

Calyon Bank

Chinatrust Commercial Bank

Citibank

DBS Bank Deutsche Bank

Hongkong & ShanghaiBanking Corpn

JP Morgan Chase Bank

JSC VTB Bank Krung Thai Bank

Mizuho Corporate Bank

Mashreq Bank


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Opportunity in Indian Banking Sector

Pension fund industry in Indiagrew at a CAGR of 122.44%from 1999-00 to 2006-07.

Rural and semi-urban India isexpected to account for58.33% of the insurancesector by 2010.

Debit cards and Credit cards. Rural and semi-urban centers

account for 66% of total bankbranches.


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Overview of HDFC Bank

Housing Development Finance Cooperation Ltd.

1stBank to receive an in principle approval fromRBI.

Incorporated in August 1994,in the name ofHDFC Bank Ltd.

1st

Registered Office in Mumbai

HDFC Bank commenced operations as a Scheduled

Commercial Bank in January 1995.

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Business Focus

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Business Philosophy : Based on 4 Core Values -a) Operational Excellence

b) Customer Focus

c) Product Leadership

d) People

MISSION :

World Class Indian Bank.

OBJECTIVE :Maintain Ethical Standards, Professional

Integrity &Cooperate Governance.


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Wide Range of Products

V

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RETAILBANKING

Loan Products: Depository Products- Auto Loans - Savings

- Loans against Securities - Current

-Personal Loans - Fixed Deposits- Credit Cards

- 2-Wheeler Loans

- Home Loans

- Commercial Vehicles Finance

Other Products / Services: -

- POS Terminals

- Debit Cards

- Depository Accounts- Mutual Fund Sales

- Insurance Sales

- NRI Services

- Bill Payment Services

Wholesale

Banking

Commercial Banking:- Working Capital

- Credit Substitutes- Term Loans- Bill Collection- Forex & Derivatives- Wholesale Deposits-Letters of Credit- Guarantees

Transactional Banking:

- Cash Management

- Custodial Services

- Clearing Bank Services

- Correspondent

Banking

- Tax Collections

- Banker to public issues

Key Segments:

- Large corporate

- Supply Chain

- Emerging Coop

- Financial Inst

- Government

TreasuryProducts: Other Functions:- Foreign Exchange - Asset Liability Management

- Debt Securities - Statutory Reserve Management

-- Derivatives

-- Equity

One

Stop Shop to meet Diverse Customer Needs


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MERGER OF CBOP WITH

HDFC BANK


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CBoP = HDFC

On May 23, 2008, the

amalgamation of Centurion Bank

of Punjab with HDFC Bank was

formally approved by RBI.

Shareholders of CBoP received 1

share of HDFC Bank for every 29

shares of CBoP, valuing CBoP at INR

95bn.

The balance sheet size of the

combined entity would be over Rs.

1,63,000 crore.

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http://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svg


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KEY PERSONS

CHAIRMAN-

K.V. KAMATH

M.D. & CEO-

CHANDA KOCHHAR

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VISION

To be the leading provider of financial services in India & a global player.

MISSION

Perfection in Power

We will leverage our people, technology, speed & financial capital to:

1. Be the banker of first choice for our customers by delivering high

quality, world class products & services.2. Expand the frontiers of our business globally.

3. Maintain high standards of governance & ethics.4. Create value for our stake holders.


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VALUES
http://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svg


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HISTORY

Founded in 1955.

Incorporated at the initiative of World Bank, GOI & Representatives ofIndustry.

Objective was to provide financial assistance to Business projects.

Earlier known as Industrial Credit & Investment Corporation of India.

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OVERVIEWOffers a wide range of products & financial services.

ICICI BANK- Second largest bank.

ICICI PRUDENTIAL- Largest private sector insurance company.

ICICI LOBARD- Largest private sector general insurance company.

ICICI SECURITIES- Largest equity house in the country.

ICICI PRU AMC- Third largest mutual fund.

ICICI VENTURE- One of the largest private equity firms.


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Indias second largest bank.

Biggest private sector bank.

Introduced the concept of DSA & DST.

Focus on retail banking as a driver for growth.

Introduced the concept of branding in Indian

HQ BANDRA KURLA COMPLEX, MUMBAI

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Banking Industry.
http://en.wikipedia.org/wiki/File:Icici-bandra_kurla_complex.jpghttp://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:Icici-bandra_kurla_complex.jpg


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MARKETING STRATEGY

To make its presence more prominent

Focus on credit quality

To create awareness about products through advertisement

To maintain its brand of a global bank


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FUTURE PLANNING & CHALLENGES

To revive growth after the sub-prime crisis

To increase its presence across India through mergers.

To restore customers faith

To maintain its brand & position of its subsidiaries

To capitalize on its strength i.e. maintain its place globally

To reduce the operating expenses, NPL &NPA.


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0

50000

100000

150000

200000

250000

300000

350000

2006 2007 2008 2009 2010

R & S

Net Assets

Loan Funds

LAST 5 YEAR PERFORMANCE

Rs. crore


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LAST 5 YEAR PERFORMANCE

0

5000

10000

15000

20000

25000

30000

35000

40000

45000

2006 2007 2008 2009 2010

Income

Expenses

Profit

Rs. crore


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Strengths Weakness

OpportunityThreats

ICICI Bank


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Conclusio


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THANK YOU

India Banking System

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