Seminar on contemporary Seminar on contemporary management issuemanagement issue

Commercial banks in IndiaCommercial banks in India(A review)(A review)

presented by presented by

Naveen sharmaNaveen sharma MBA Sem.IIMBA Sem.II

IntroductionIntroduction

Bank, bankerBank, banker

Commercial bankCommercial bank

Schedule commercial banks Schedule commercial banks

Evolution and progress of Evolution and progress of banking in Indiabanking in India

Early history Early history

During the warsDuring the wars

Post-independencePost-independence

NationalizationNationalization

LiberalizationLiberalization

Current situationCurrent situation

Indian banking systemIndian banking system

Commercial banking systemCommercial banking system

List of commercial banksList of commercial banksPublic sector bankPublic sector bank

Dena Bank   Indian Bank Indian Overseas Bank   Oriental Bank of Commerce   Punjab & Sind Bank   Punjab National Bank   Syndicate Bank   Union Bank of India   United Bank of India   UCO Bank   Vijaya Bank   IDBI Bank

Indian private banksIndian private banks

Axis Bank  Bank of Rajasthan  Bank of Rajasthan  Bharat Overseas Bank  Bharat Overseas Bank  Catholic Syrian Bank Catholic Syrian Bank Centurion Bank of Punjab Centurion Bank of Punjab City Union Bank City Union Bank Development Credit Bank  Development Credit Bank  Dhanalakshmi Bank Dhanalakshmi Bank Federal Bank Federal Bank Ganesh Bank of Kurundwad Ganesh Bank of Kurundwad HDFC Bank HDFC Bank ICICI Bank ICICI Bank 

IndusInd Bank  ING Vysya Bank  ING Vysya Bank  Jammu & Kashmir Bank Jammu & Kashmir Bank Karnataka Bank Limited Karnataka Bank Limited Karur Vysya Bank Karur Vysya Bank Kotak Mahindra Bank  Kotak Mahindra Bank  Lakshmi Vilas Bank  Lakshmi Vilas Bank  Nainital Bank Nainital Bank Ratnakar Bank Ratnakar Bank SBI Commercial and SBI Commercial and International Bank International Bank South Indian Bank  South Indian Bank  Tamilnad Mercantile Bank Ltd. Tamilnad Mercantile Bank Ltd. YES Bank YES Bank

Foreign banks in IndiaForeign banks in India

ABN-AMRO Bank Abu Dhabi Commercial Abu Dhabi Commercial Bank Ltd. Bank Ltd. American Express Bank Ltd American Express Bank Ltd Citibank Citibank DBS Bank Ltd DBS Bank Ltd Deutsche Bank Deutsche Bank HSBC Ltd HSBC Ltd Standard Chartered BankStandard Chartered Bank

Main function of commercial banks Main function of commercial banks

A Acceptance of depositsA Acceptance of deposits

Fixed deposit accountFixed deposit account Saving bank account Saving bank account Current accountCurrent account

B Advancing of loanB Advancing of loan

Cash creditCash credit Call loans Call loans Over draft Over draft Bills discountingBills discounting

C C Agency functionAgency function

Collecting receipts Collecting receipts Making paymentsMaking payments Buy and sell securitiesBuy and sell securities Trustee and executor Trustee and executor

D General utility functionD General utility function

Issuing letters of credit, travelers chequesIssuing letters of credit, travelers cheques Underwriting share and debentures Underwriting share and debentures Safe custody of valuablesSafe custody of valuables Providing ATM and credit card facilitiesProviding ATM and credit card facilities Providing credit informationProviding credit information

RESERVE BANK OF INDIARESERVE BANK OF INDIA

The central bank of India.The central bank of India.

Established in april,1935.Established in april,1935.

Objective- monetary stability, management of Objective- monetary stability, management of

currency and supervision of financial as well ascurrency and supervision of financial as well as

payments system payments system

Main FunctionsMain Functions

Monetary FunctionsMonetary Functions

Non-Monetary FunctionsNon-Monetary Functions

Functions of RBIFunctions of RBIMonetary functionsMonetary functions

a.a. Note issuing authority Note issuing authority

b.b. Banker`s bank and lender Banker`s bank and lender of the last resort of the last resort

c.c. Banker to the government Banker to the government

d.d. Custodian of foreign Custodian of foreign exchange reserves exchange reserves

e.e. Control of credit Control of credit

Non-monetary functionsNon-monetary functions

a.a. Collection and publication Collection and publication of dataof data

b.b. Regulatory and Regulatory and supervisory function supervisory function

c.c. Development and Development and

promotion functionpromotion function

State of Banking: 2006-07State of Banking: 2006-07

It focus on the following five aspects of It focus on the following five aspects of commercial bankscommercial banks

Profile of Credit,Profile of Credit,

Deposits Growth,Deposits Growth,

Financial Performance,Financial Performance,

Financial Inclusion,Financial Inclusion,

Migration to Basel II norms Migration to Basel II norms

Contemporary and future issues in Contemporary and future issues in Indian bankingIndian banking

High capital inflows: an opportunity as well as a High capital inflows: an opportunity as well as a challengechallenge

Technology is the keyTechnology is the key

Globalization of financial servicesGlobalization of financial services

Indian Banks at the global stageIndian Banks at the global stage

Will the stable conditions continue for the banks?Will the stable conditions continue for the banks?

Is size the only constraint for Indian banks?Is size the only constraint for Indian banks?

What is being done to prepare Indian banks to meet What is being done to prepare Indian banks to meet global challenge?global challenge?

Will M&A be Key Competitive Tool?Will M&A be Key Competitive Tool?

Thank youThank you