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    India Banking System

    Uploaded by

    Kalp Vaghela
    The document provides an overview of the Indian banking industry including its structure, magnitude, key players and opportunities. It discusses the various types of banks and financial institutions in India such as commercial banks, financial institutions, non-banking financial companies and capital market intermediaries. It also summarizes the employment distribution across bank groups and market share of major scheduled commercial banks. The document highlights public sector banks, private banks and foreign banks as key players in the Indian banking sector and discusses opportunities in areas such as pension funds, insurance, debit/credit cards and rural/semi-urban markets.

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    India Banking System

    Uploaded by

    Kalp Vaghela
    54 views33 pages
    The document provides an overview of the Indian banking industry including its structure, magnitude, key players and opportunities. It discusses the various types of banks and financial institutions in India such as commercial banks, financial institutions, non-banking financial companies and capital market intermediaries. It also summarizes the employment distribution across bank groups and market share of major scheduled commercial banks. The document highlights public sector banks, private banks and foreign banks as key players in the Indian banking sector and discusses opportunities in areas such as pension funds, insurance, debit/credit cards and rural/semi-urban markets.

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    Indian Banking System

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    The document provides an overview of the Indian banking industry including its structure, magnitude, key players and opportunities. It discusses the various types of banks and financial institutions in India such as commercial banks, financial institutions, non-banking financial companies and capital market intermediaries. It also summarizes the employment distribution across bank groups and market share of major scheduled commercial banks. The document highlights public sector banks, private banks and foreign banks as key players in the Indian banking sector and discusses opportunities in areas such as pension funds, insurance, debit/credit cards and rural/semi-urban markets.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    54 views33 pages

    India Banking System

    Uploaded by

    Kalp Vaghela
    The document provides an overview of the Indian banking industry including its structure, magnitude, key players and opportunities. It discusses the various types of banks and financial institutions in India such as commercial banks, financial institutions, non-banking financial companies and capital market intermediaries. It also summarizes the employment distribution across bank groups and market share of major scheduled commercial banks. The document highlights public sector banks, private banks and foreign banks as key players in the Indian banking sector and discusses opportunities in areas such as pension funds, insurance, debit/credit cards and rural/semi-urban markets.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 33

    INDIAN BANKING INDUSTRY

    Financial Structure
    Commercial banks
    a. Public sector b. 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)

    Nonbanking financial companies (NBFCs)

    Capital market intermediaries

    Magnitude Of BANK

    Employment in Banks
    Bank Group-Wise Distribution of Employees of Schedule Banks

    Market Share of Bank


    Share in Assets of Scheduled Commercial Banks

    Technology in Banking

    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

    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

    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 & Shanghai Banking Corpn JP Morgan Chase Bank JSC VTB Bank Krung Thai Bank Mizuho Corporate Bank Mashreq Bank

    Opportunity in Indian Banking Sector


    Pension fund industry in India grew at a CAGR of 122.44% from 1999-00 to 2006-07. Rural and semi-urban India is expected to account for 58.33% of the insurance sector by 2010. Debit cards and Credit cards. Rural and semi-urban centers account for 66% of total bank branches.

    12

    Overview of HDFC Bank


    Housing Development Finance Cooperation Ltd. 1st Bank to receive an in principle approval from RBI.

    Incorporated in August 1994,in the name of HDFC Bank Ltd.


    1st Registered Office in Mumbai HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.
    13

    Business Focus
    MISSION : World Class Indian Bank. OBJECTIVE : Maintain Ethical Standards, Professional Integrity &Cooperate Governance. Business Philosophy : Based on 4 Core Values a) Operational Excellence b) Customer Focus c) Product Leadership d) People
    14

    15

    Wide Range of Products


    Loan Products:

    RETAIL V

    BANKING

    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 Key Segments: - Large corporate - Supply Chain - Emerging Coop - Financial Inst - Government

    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

    Products:

    Other Functions:
    - Asset Liability Management - Statutory Reserve Management

    Treasury

    - Foreign Exchange - Debt Securities -- Derivatives -- Equity

    One Stop Shop to meet Diverse Customer Needs

    16

    17

    MERGER OF CBOP WITH HDFC BANK

    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.
    19

    KEY PERSONS
    CHAIRMANK.V. KAMATH

    M.D. & CEOCHANDA KOCHHAR

    21

    Perfection in Power VISION To be the leading provider of financial services in India & a global player. MISSION
    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.
    22

    VALUES

    23

    HISTORY
    Founded in 1955. Incorporated at the initiative of World Bank, GOI & Representatives of Industry. Objective was to provide financial assistance to Business projects. Earlier known as Industrial Credit & Investment Corporation of India.

    24

    OVERVIEW
    Offers 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.
    25

    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 Banking Industry.
    HQ BANDRA KURLA COMPLEX, MUMBAI
    26

    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

    27

    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.
    28

    LAST 5 YEAR PERFORMANCE


    350000
    300000 250000 200000 150000 100000 50000 R&S Net Assets Loan Funds Rs. crore

    0
    2006 2007 2008 2009 2010
    29

    LAST 5 YEAR PERFORMANCE


    45000 40000 35000 30000 25000 20000 15000 10000 5000 0
    2006 2007 2008 2009 2010
    30

    Rs. crore

    Income Expenses Profit

    Strengths

    Weakness

    ICICI Bank
    Threats
    Opportunity

    Conclusion

    THANK YOU

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