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PRE-BUDGET WISHES

OF

INDIAN BANKING AND FINANCIAL SERVICES

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CONTENTS:

Importance of the Banking and Financial

Services

Past Year Highlights

Problems

Expectations From Budget 2012-13

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Importance of Banking and

Financial Services Credit availability The reason for the

development of modern economies.

Mopping up of the small savings at reasonable

rates with several options

Indian Economy sustained during the global

crisis due robust capital structure

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Contribution in Indian GDP 17%

Market Capitalization Rs. 13000 Billion(Banking Sector)

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Employment Opportunities

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Industry Segments Total Employment in 000s

Banking 1100-1200

Insurance 200-300

NBFC 25-30

Mutual Funds 15-20

Financial Intermediaries 2500-3000

TOTAL 4000-5000

http://www.nsdcindia.org/pdf/bfsi.pdf

Expected to further generate about 1.5 Million

jobs

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State Bank of India 18%

Punjab National Bank 6%

Bank of Baroda 5%

ICICI Bank 5%

Bank of India 5%

Canara Bank 5%

HDFC Bank 4%

IDBI Bank 4%

Key Players

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PAST YEARS HIGHLIGHTS

Recapitalizations to the tune of Rs 60 billion by Government

of India in PSU banks.

Interest rate subvention of 1% on housing loans upto Rs 1.5

million on property value of upto Rs 2.5 million

Additional 1% interest subvention (cumulative 3%) for

farmers who repaid their crop loans on time

New banking licenses for few private players and NBFC

Services provided by life insurance companies in the area of

investment to be brought into tax net on the same lines as

ULIPs.

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PROBLEMS

The allocation of Rs. 60 billion to recapitalization fund forPSUs was found to be low.

The banking licenses were believed to be relatively longer

term plan having limited impact in the near-to-medium term. Nearly 40% of population dont have bank accounts and only

15% have borrowed from banks.

The Nonperforming Asset Problem

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Expectations from the

Financial Institutions MUTUAL FUNDS:

If DTC is introduced

Investment will be reduced

ELSS can become ineligible

for deduction

Huge set-back for the mutual

fund industry as well as

equity markets

STT abolished or reduced to

50%

INSURANCE:

ULIPs

Raising the cap on FDI

Separate limit for life and health

insurance premiums

Service tax exemption on term

and health insurance products

Service tax exemption onpreventive checkups

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From the Banking Sector

Financial Inclusion

Full provision for NPAs.

Reduce the lock-in period on tax saving FDs to 3 years. Monetary Policy Outlook

Check Outsourcing : Employees Viewpoint

Flexible Collection Policies for PSUs

Allow banks to raise money via tax-free infrastructure bonds

Work on Banking Regulation Act for allocating new banking

licenses

Explicit mention on the amount of recapitalization funds

available for PSU banks

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BIBLIOGRAPHY

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