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Industry Analysis

Industry AnalysisBanking Industry Rodixon.K.RThe term Banking means.Accepting for the purpose of lending or investment, of deposits of money from the public repayable on demand or otherwise, and withdrawable by cheque, draft, and order or otherwise.( Banking Regulation Act of 1949)

HISTORYGeneral Bank of India(1786)- First joint stock bank in IndiaBank of Bengal(1806)Bank of Bombay(1840) Imperial BankBank of Madras(1843) (1921)

State Bank of India Act(1955) State Bank of India Classification of BanksFunction(Commercial, Industrial, Agricultural, Exchange, Savings, Central and World Bank)

Ownership(Public, Private and Co-operative)

Domicile(Domestic and Foreign)

Registration(Scheduled, Non-Scheduled, Licensed, Non-licensed)Functions of Commercial BankPrimary Secondary Accepting DepositsLending MoneyAgency Services:- (Transfer of funds, cheque collection, standing order execution, purchase and sale of securities, collection of dividend on shares etc.)

General Utility Services:- (Locker facility, travelers cheque, letter of credit, underwriting, foreign exchange etc.)

Regulatory BodyReserve Bank of India is the apex body constituted to regulate and control the affairs of banks.

Banking Regulation Act of 1949.DepositsLoansFixed deposits

Current deposits

Savings deposits

Recurring depositsOverdraft

Cash Credit

Discounting of Bill of Exchange

Money at call/notice

Term loanNationalisation of Banks Nationalization implies bringing the control and ownership of banks under Government. Stages of Nationalization:-RBI was nationalized in 1949.

State Bank and 7 associated banks were nationalized (1955-1959)

14 major commercial banks in1969

6 more banks in 1980Some StatisticsNumber of Banks in IndiaPublic Sector Banks -26

Private Sector Banks-25

Foreign Banks in India-29

Regional Rural Banks-95By 2013, The Indian Banking Industry employed 1,175, 149 employees.

A total of 109,811 branches.

Aggregate deposit of INR67504.54 billion and bank credit of INR52604.59 billion.

The net profit of the banks in India for the previous Financial Year was INR1027.51 billion.Competency of industryBanks are essential part of the economy.It is difficult to imagine what our lives would be like without banks. Industry have high competency because:-Banks extend credit for those who are in need of it.Provide a safe place for storing our wealth.Banks keep the many parts of the economy movingA healthy economy requires a strong and healthy Banking system.

Banks contribute to economic growth and help to finance Govt. expenditures.

Monetary policy and payments would be impossible without banks.State Bank of India(SBI)Public sector Bank

Headquarters- Mumbai, Maharashtra.

Arundhati Bhattacharya-Chairwoman.

Nationalised Imperial Bank and renamed as SBI in1955.

Employees-295,696. Branches-14816.SBI- Cont.Products- Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, saving, securities, asset management, credit cards, general insurance etc.Revenue/profit- 200560 crore/17916 Bank(1998)Public company

Headquarters- Mumbai.

K.V Kamath-Chairman Ms. Chanda Kochhar(MD & CEO).

Employees-81254, Branches-3800.

Have presence in 19 countriesICICI- Cont.Products- Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgaged loans, private banking, wealth management etc.

Revenue/Profit- US$13.52 billion/1.60 billion.

Punjab National Bank(1894)Public Sector

Headquarters- New Delhi

K. R Kamath- Chairman

Employees-62,392. Branches-5800.

Serves over 80 million customersPNB- Cont.Products- Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgaged loans, private banking, wealth management etc.

Revenue/Profit- 474 billion/4.74 billion THANK YOU