banking industry
TRANSCRIPT
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Banking
Industry
Rodixon.K.R
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The 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)
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General Bank of India(1786)- First joint stock bank
in India
Bank of Bengal(1806)
Bank of Bombay(1840) Imperial Bank
Bank of Madras(1843) (1921)
State Bank of India Act(1955)
State Bank of India
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Function(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)
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PRIMARY SECONDARY
Accepting Deposits
Lending Money
Agency 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.)
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Reserve Bank of India is the apex body
constituted to regulate and control the affairs
of banks.
Banking Regulation Act of 1949.
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DEPOSITS LOANS
Fixed deposits
Current deposits
Savings deposits
Recurring deposits
Overdraft
Cash Credit
Discounting of Bill of Exchange
Money at call/notice
Term loan
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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 1980
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NUMBER OF BANKS IN INDIA Public Sector Banks -26
Private Sector Banks-25
Foreign Banks in India-29
Regional Rural Banks-95
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By 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.
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Banks 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
moving
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A 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.
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Public sector Bank
Headquarters- Mumbai, Maharashtra.
Arundhati Bhattacharya-Chairwoman.
Nationalised Imperial Bank and renamed as SBI in1955.
Employees-295,696. Branches-14816.
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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 crore
Website-www.sbi.co.in
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Public company
Headquarters- Mumbai.
K.V Kamath-Chairman
Ms. Chanda Kochhar(MD & CEO).
Employees-81254, Branches-3800.
Have presence in 19 countries
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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.
Website-www.icicibank.com
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Public Sector
Headquarters- New Delhi
K. R Kamath- Chairman
Employees-62,392. Branches-5800.
Serves over 80 million customers
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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
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