indian banking scenario

8/6/2019 Indian Banking Scenario

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Indian Banking Scenario:


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Segments:

The Indian financial system comprises the following institutions:

1. 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

2. Financial institutions

a. All-India financial institutions (AIFIs)

b. State financial corporations (SFCs)

c. State industrial development corporations (SIDCs)

3. Nonbanking financial companies (NBFCs)

4. Capital market intermediaries

About 92 percent of the countrys banking segment is under State control while the balance

comprises of private sector and foreign banks. The public sector commercial banks are divided

into three categories.

yState bank group (eight banks): This consists of the State Bank of India (SBI) and AssociateBanks of SBI. The Reserve Bank of India (RBI) owns the majority share of SBI and some

Associate Banks of SBI. It has 13 head offices governed each by a board of directors under the

supervision of a central board.

yNationalized banks (19 banks): In 1969, the nationalization of 14 scheduled commercialbanks were arranged by the Government in order to expand the branch network, followed by


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six more in 1980. A merger reduced the number from 20 to 19. Nationalized banks are wholly

owned by the Government, although some of them have made public issues. Nationalized

banks are centrally governed, i.e., by their respective head offices. Thus, there is only one

board for each nationalized bank and meetings are less frequent (generally, once a month). The

state bank group and nationalized banks are together referred to as the public sector banks

(PSBs).

yRegional Rural Banks (RRBs): In 1975, the state bank group and nationalized banks wererequired to sponsor and set up RRBs in partnership with individual states to provide low-cost

financing and credit facilities to the rural masses.

Commercial Banking, also known as business banking is a bank that provides checking

accounts, savings account etc. Commercial Banks can be further grouped into nationalized

banks, regional rural banks, private sector banks and the State Bank of India and its group banks.

These banks have over 68,681 branches across the country.

The Co-operative Banks in India started functioning almost 100 years ago. The co-operative

banks in India play an important role in rural financing. The cooperative bank in India finances

rural areas under: Farming, Cattle, Milk, Personal Finance etc, whereas they finance urban areas

under: Self Employment, Industries, Small scale units, Home finance, Consumer Finance etc.The Public Sector Banks (PSBs) are the base of the Banking Sector in Indian and it accounts for

more than 78% of the total banking industry assets. But they are burdened with excessive Non

Performing assets(NPAs). They are leaders in Internet banking, mobile banking, ATMs etc. In

India some of the Private sector Banks are ING Vyasa Bank, IDBI Bank, SBI commercial and

International Bank Ltd etc.

The Public Sector includes Vijaya Bank, UCO Bank, Allahabad Bank, Punjab National Bank,

oriental bank etc. Some of the foreign banks operating in the Indian Banking Industry are ABN-

AMRO Bank, Citibank, American Express Bank Ltd, ANZ Grindlays Bank etc.


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The Structure of Indian Banking System


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Table 1 : List of 14 nationalized banks:

Central Bank of India Punjab National Bank

Bank of Maharashtra Dena Bank

UCO Bank Syndicate Bank

Canara Bank Indian Bank

Indian Overseas Bank Bank of Baroda

Union Bank Allahabad Bank

United Bank of India Bank of India

Table 2 : The following is a list of the Scheduled Banks in India (Private Sector):

ING Vysya Bank Ltd

Axis Bank Ltd

Indusind Bank Ltd

ICICI Bank Ltd

South Indian Bank

HDFC Bank Ltd

Centurion Bank Ltd

Bank of Punjab Ltd

IDBI Bank Ltd

Table 3 : The following is a list of the Scheduled Banks in India (Public Sector):

State Bank of India State Bank of Bikaner and

Jaipur

State Bank of Hyderabad

State Bank of Indore State Bank of Mysore State Bank of Saurashtra

State Bank ofTravancore Andhra Bank Allahabad Bank

Bank of Baroda Bank of India Bank of Maharashtra

Canara Bank Central Bank of India Corporation Bank

Dena Bank Indian Overseas Bank Indian Bank


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Oriental Bank of Commerce Punjab National Bank Punjab and Sind Bank

Syndicate Bank Union Bank of India United Bank of India

UCO Bank Vijaya Bank

Table 4 : The following is the list of the Scheduled Foreign Banks in India:

American Express Bank Ltd. ANZ Gridlays Bank Plc.

Bank of America NT & SA Bank ofTokyo Ltd.

Banquc Nationale de Paris Barclays Bank Plc

Citi Bank N.C. Deutsche Bank A.G.

Hongkong and Shanghai Banking Corporation Standard Chartered Bank.

The Chase Manhattan Bank Ltd. Dresdner Bank AG.

Table 5 : The following is the list of Public Sector Banks in India

Allahabad Bank Andhra Bank Bank of Baroda

Bank of India Bank of Maharashtra Canara Bank

Central Bank of India Corporation Bank Dena Bank

Indian Bank Indian Overseas Bank Oriental Bank of Commerce

Punjab & Sind Bank Punjab National Bank Syndicate Bank

UCO Bank Union Bank of India United Bank of India

Vijaya Bank

Table 6 : List of State Bank of India and its subsidiary, a Public Sector Banks

State Bank of Bikaner & Jaipur State Bank of HyderabadState Bank of Indore State Bank of Mysore

State Bank of Saurashtra State Bank ofTravancore

Table 7 : List of Private Banks in India


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Bank of Punjab Bank of Rajasthan

Catholic Syrian Bank Centurion Bank

City Union Bank Dhanalakshmi Bank

Development Credit Bank Federal Bank

HDFC Bank ICICI Bank

IDBI Bank IndusInd Bank

ING Vysya Bank Jammu & Kashmir Bank

Karnataka Bank Karur Vysya Bank

Laxmi Vilas Bank South Indian Bank

United Western Bank UTI Bank


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ING Annual results in brief

Mar ' 11 Mar ' 10 Mar ' 09 Mar ' 08 Mar ' 07

Sales 2,694.06 2,232.90 2,239.89 1,680.44 1,401.38

Operating profit 1,516.44 1,154.37 1,337.25 1,014.95 792.62Interest 1,687.54 1,403.06 1,590.27 1,182.05 859.32

Gross profit 635.47 611.23 424.81 287.09 229.31

EPS (Rs) 26.34 20.19 18.40 13.33 9.78


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indian banking scenario

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