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STUCTURE OF THE ORGANISED BANKING SECTOR IN INDIA : STUCTURE OF THE ORGANISED BANKING SECTOR IN INDIA Economic functions : Economic functions issue of money, in the form of banknotes and current accounts subject to cheque or payment at the. repayable on demand, and hence valued at par. netting and settlement of payments. credit intermediation. credit quality improvement maturity transformation Entry regulation : Entry regulation The requirements for the issue of a bank licence vary between jurisdictions but typically include: Minimum capital Minimum capital ratio 'Fit and Proper' requirements for the bank's controllers, owners, directors, and/or senior officers Approval of the bank's business plan as being sufficiently prudent and plausible. BANKING INDUSTRY IN INDIA : BANKING INDUSTRY IN INDIA First bank started in 1786. RBI became central bank in 1934. Nationalized in 1969. Liberalization occurred in 1991. INDIAN BANKING INDUSTRY : INDIAN BANKING INDUSTRY The Indian Banking Industry can be categorized into 1.non-scheduled banks 2.scheduled banks. BANKING INDUSTRY : BANKING INDUSTRY The Public Sector Banks(PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. The Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs Major players in the Indian Banking sector : Major players in the Indian Banking sector State Bank Of India. Allahabad Bank. HDFC. Uco Bank. Punjab National Bank. Bank of Maharashtra. HSBC Bank. Citibank Axis Bank. REVENUES : REVENUES Growth have been more qualitative. Based on then projections made in the “India Vision 2020”. Total asset of all scheduled commercial banks is estimated at Rs.40,90,000 crores(end march 2010). Expected to grow at an annual composite rate of 13.4%. Challenges faced by Banking industry in India : Challenges faced by Banking industry in India Deregulation: This continuous deregulation has made the Banking market extremely competitive with greater autonomy, operational flexibility and decontrolled interest rate and liberalized norms for foreign exchange. New rules: Banks are transforming to universal banking, adding new channels with lucrative pricing and freebees to offer. Slide 15: Efficiency: Banks need to access low cost funds and simultaneously improve the efficiency. The banks are facing pricing pressure, squeeze on spread and have to give thrust on retail assets. Diffused Customer loyalty: Customers have become demanding and the loyalties are diffused. Slide 16: Misaligned mindset: Competency Gap: Placing the right skill at the right place will determine success. Impact of recent happenings on the Indian Banking Industry : Impact of recent happenings on the Indian Banking Industry Appointment of Dr. D. Subbarao as the new governor of the RBI. Recession in the U.S. economy with special emphasis on the Lehmann Brothers Fallout. Decision of Converging with the IFRS in the future. Introduction of Mobile Banking. The impact of Inflation. ICICI BANK : ICICI BANK India’s second largest bank with a profit after tax of Rs.41.58 billion.(March 31’2008) ICICI established in the year 1955 ICICI Bank promoted in 1994. First non-Japanese Asian bank to be listed in NYSE. ICICI BANK : ICICI BANK It has 1308 Branches all over India It has 3950 ATMs all spanning all over India. It spreads in 18 countries. Awarded best bank in India by Forbes Asia and NDTV profit awards 2007 Slide 20: THANK YOU You do not have the permission to view this presentation. In order to view it, please contact the author of the presentation.