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Banking Sector

By : -

Guneet Singh

Gagandeep Singh

Deepak Kumar

Deepak Kumar Jethi

Durgesh


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What Is A Bank ?

1. A bank is a financial institutionwhere you can deposit your money.

2. Banks provide a system for easily

transferring money from one person

or business to another.


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The banking regulation

act,1949,Section(b) defines

banking as accepting for the

purpose of lending andinvesting of deposits of money

from public , repayable, on

demand or otherwise

withdrawable by cheque ,

draft , order or otherwise.


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Functions Of Banks

Accepting Deposits

Lending MoneyRemittances (A remittance is a transfer of

money by a foreign worker to his or her home

country.)Lockers Facility

Foreign Exchange Business


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Types of Banks

Public

SectorBanks

Private

SectorBanks

Co-

operativeSector


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Public Sector

Banks

State Bank of India and its associate banks called the State Bank Group

20 nationalized banks

Regional rural banks mainly sponsored by public sector banks

Private

Sector Banks

Old generation private banks

New generation private banks

Foreign banks operating in India Scheduled co-operative banks

Non-scheduled banks

Co-operative

Sector

State co-operative Banks

Central co-operative banks

Primary Agriculture Credit Societies


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State Bank Of

India1. State Bank of India (SBI) is the largest

bank in India.2. Founded in 1806 making it the oldest

commercial bank in the Indian

Subcontinent.3. The State Bank Group, with over 16000

branches, has the largest branch

network in India.


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Chairman - Om

Prakash Bhatt


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State Bank of Bikaner & Jaipur

State Bank Of Hyderabad

State Bank of Indore

State Bank of Mysore

State Bank of Patiala

State Bank of Saurashtra

State Bank of Travancore


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Products/Services Being

Offered By SBI

Banking services

NRI Services

International Banking

Corporate Banking

Agricultural Banking

International Banking


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Revenue

US $

24 billion (2008)

Net Income

US $ 2.25 billion (2008)

Total AssetsUS $ 257 billion ( March 2008)


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ICICI Bank

1. ICICI Bank (formerly Industrial Credit

and Investment Corporation of India)

is India's largest private sector bank by

market capitalization and second

largest overall in terms of assets.

2. Founded in 1955 (as Industrial Creditand Investment Corporation of India).

3. The Bank also has a network of 1,520

branches


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Chairman - K. V.

Kamath


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Headquarters - ICICI Bank Ltd.,

ICICI Bank Towers,

Bandra Kurla,Mumbai, India.


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Products &

Services1. Deposits(Savings Account,Life Plus Senior Citizens

Savings Account,Young Stars Savings Account, FixedDeposits,Recurring Deposits & Easy Receive Savings

Account)

2. Loans(Home Loans,Personal Loans,Car Loans &

Commercial Vehicle Loans)3. Cards(Consumer Cards-Credit Card,Travel Card,

Debit Cards. Commercial Cards-Corporate Cards,Prepaid Cards,Purchase Card,Distribution Cards &

Business Card.)


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3. Investment & Insurance(ICICI Bank TaxSaving Bonds,Government of India Bonds,

Investment in Mutual Funds,InitialPublic Offers

by Corporates,Investment in "Pure Gold,ForeignExchange Services,Senior Citizens Savings Scheme,

2004)

4. NRI Services(Money Transfer-Direct Debit(ACH), Cheque Lock Box,Web Wire Transfer,Donate2India,Wells Fargo,Correspondent Banks,Wire Transfer / SWIFT details,Foreign Currency

Cheque.Accounts-Fixed Accounts,SavingAccounts & Special Accounts.Insurance-General& Life.Investments-Offshore Bank Deposits &

Portfolio Investment Scheme)


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Revenue USD15.06 billion

Total assetsUSD 120.61

billion (at March

31, 2009.)


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Axis Bank1. Axis Bank, previously called UTI Bank,was the first of the new private banks to

have begun operations in 1994, after theGovernment of India allowed new

private banks to be established.

2. Axis Bank is one of the Big Four Banksof India with State Bank of India, ICICI

Bank and HDFC Bank.

3. Headquarters Mumbai, India.


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Products &

Services1. Accounts(Zero Balance Savings Account,Krishi

Savings Account,EasyAccess Savings Account,Prime Savings Account,Corporate Salary Account,Women's Savings Account,Demat Account,Senior

Citizen's Account,Defence Salary Account,

Trust/NGO Savings Account,Azaadi - No Frills,RFC(D) Account &Pension Savings Account)

2. Deposits(Fixed Deposits,Recurring Deposits,Encash 24 & Tax Saver Fixed Deposit)


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3. Loans(Home Loan,Car Loan,Personal Loan,Loan

Against Shares,Loan Against Property,Loan Against

Security,Study Loan & Consumer Loan)4. Cards(Credit Cards,Debit Cards & Prepaid

Cards)

5.Investments(Mohur Go

l

d,Onl

ine Trading,Mutual Funds, Demat Account,A Smile Solution &

Kal Bhi,Aaj Bhi)

6. Insurance(Life Insurance,Health Insurance,

Personal Accident,Home,Critical Illness Motor

Insurance,Jewellery Insurance,Travel Companion &

Business Advantage)


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7. Payment Transfers(BillPay,Electronic

Clearing Service & Tax Payments)

8. Other Services(Mobile Refill,Locker,OnlineShopping,IPOSmart & E-Statement)


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Total IncomeRs. 13,745.04

crores

Net Profit Rs1,812.93 crores.


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HDFC Bank

1. HDFC Bank Ltd. is a commercial bank of

India.

2. The Bank was promoted by the Housing

Development Finance Corporation, a

premier housing finance company (setup in 1977) of India.

3. Founded in 1994.

4. HDFC Bank has 1,412 branches.


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Chairman Mr.

Deepak S Parekh


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Headquarters -

Mumbai, India


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Products &

Services1. Personal Banking(Accounts & Deposits,Loans,

Cards,Investments & Insurance,Forex Services,Payment Services,HDFC Bank Imperia / Preferred

/ Classic Banking,Access Your Bank & CustomerCentre)

2. NRI Services(Accounts &Deposits,Remittances, Investments &

Insurance,Loans,Payment Services,Access yourbank & Customer Centre

)


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net revenue

Rs 2,963.2

crores

net profit Rs663.94 crores


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Chairman -

Stephen Green


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Products &

Services

1. Personal Banking2. Business Banking

3. Corporate Banking

4. Interest Rates, Service Charges and Fees5.HSBC Premier

6.Private Banking

7. Corporate Sustainability


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Personal Banking1. Credit Cards

2. Loans

3. Bank Accounts

4. NRI Services

5. Insurance

6. Investments & Financial Planning7. Internet and Self Service Banking

8. Special Offers and Discounts


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Business Banking1. Business Banking Services

2. Global Trade Solutions

3. Cash Management4. Foreign Exchange Services

5. Business Current Accounts

6. Business Loans and Overdrafts

7. Self Service Banking


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Corporate andInstitutional Banking

1. Corporate Banking

2.Treasury and Capital Markets

3. Equities and Global InvestmentBanking

4. Institutional Banking

5. Global Payments and CashManagement

6.Trade and Factoring Services

7.HSBC Securities Services


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