private banks & public banks

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PRIVATE & PUBLIC BANKS

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Page 1: Private banks & Public banks

PRIVATE

&

PUBLIC

BANKS

Page 2: Private banks & Public banks

Public sector banks are banks in which the government has a

major holding

Not less than 51% of the paid-up share capital will be held by the

Central Govt.

All nationalised banks are PSB’s.

These can be classified into two groups: (I) the State Bank of India

and its associates and (ii) nationalised banks

PUBLIC SECTOR BANKS

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LIST OF NATIONALISED BANKS

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DOMESTIC

TREASURY

BROKING

SERVICES

REVISED SERVICE

CHARGES

ATM SERVICESINTERNET

BANKING

facilities provided by sbi:

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STATE BANK MOBICASH (State Bank MobiCash is a prepaid

account on mobile offering facilities like fund transfer,

mobile/ DTH recharge, bill payment, balance enquiry and

mini statement)

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E - pAY

RBIEFT (Inter-bank Electronic

Funds Transfer facility of the

Reserve Bank of India (RBI - EFT)

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SAFE DEPOSIT LOCKER

MICR CODES (In MICR technology the information is printed on the instrument with a

special type of ink which is made up of magnetic material. On insertion of the

instrument in the machine, the printed information is read by the machine. MICR

system is beneficial as it minimizes chances of error, clearing of cheques becomes

easy and transfer of funds becomes faster in order to facilitate operations.)

FOREIGN INWARD REMITTANCES (the purchase

and sale of freely convertible foreign currencies as

admissible under Exchange Control Regulations of

the country)

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CANARA

BANK

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Canara bank is founded as Canara bank hindu permanent fund in

1906 by late shri Ammembal subba rao pai.

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1. To remove superstition and ignorance.

2. To spread education among all to sub serve the first principle.

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To inculcate the habit of thrift and savings.

To assist the needy.

To work with sense of service and dedication.

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PERSONAL BANKING

NRI BANKING

CORPORATE BANKING

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INTERNET BANKING

PRIORITY AND SMS BANKING.

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CANARA BANK PERSONAL loan provided only to an existing

canara bank customer. It is possible to secure a loan even

without having to visit your bank branch if you have been

an canara bank customer for the past a month you might

have a pre – approved loan offer waiting for you.

Page 20: Private banks & Public banks

They offer unbeatable benefits to ensure that you get the

best deal without any hassles

Canara bank offers you the most convenient home loan

plans to suit your needs with so many attractive features in

every type of home loan they offer.

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Education loan are offer to meritorious student for studies

in india or abroad. The loan is given out to students

admitted to institute and college approved by the bank. The

loan covers fee for all years. Which is normally disbursed to

the college/ institute directly by the bank. The loan also

covers most of the boarding and lodging expenses.

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AXIS BANK

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The third largest private sector bank in India.

Offers financial services to customer segments covering Large and

Mid-Corporates, MSME, Agriculture and Retail Businesses.

Axis Bank has its headquarters in Mumbai, Maharashtra.

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Treasury operations: The Bank’s treasury operation services include investments in sovereign and

corporate debt, equity and mutual funds, trading operations, derivative trading and foreign exchange

operations on the account, and for customers and central funding.[3]

Retail banking: In the retail banking category, the bank offers services such as lending to

individuals/small businesses subject to the orientation, product and granularity criterion, along with

liability products, card services, Internet banking, automated teller machines (ATM) services

Corporate/wholesale banking: The Bank offers to corporate and other organisations services including

corporate relationship not included under retail banking, corporate advisory services, placements and

syndication, management of public issues,

Page 27: Private banks & Public banks

NRI services: Products and services for NRIs that facilitate investments in India

Business banking: The Bank accepts income and other direct taxes through its 214 authorised branches

at 137 locations and central excise and service taxes (including e-Payments) through 56 authorised

branches at 14 locations.

Investment banking: Bank’s Investment Banking business comprises activities related to Equity Capital

Markets, Mergers and Acquisitions and Private Equity Advisory. The bank is a SEBI-registered Category

I Merchant Banker and has been active in advising Indian companies in raising equity

Page 28: Private banks & Public banks

Lending to small and medium enterprises: Axis Bank SME business is segmented in three groups: Small

Enterprises, Medium Enterprises and Supply Chain Finance. Under the Small Business Group a subgroup

for financing micro enterprises is also set up.

Agriculture banking: 759 branches of the Bank provide banking services, including agricultural loans, to

farmers.[3] As on 31 March 2013, the Bank’s outstanding loans in the agricultural sector was INR 148

billion, constituting 7.5% of its total advances.[3]

Axis Bank launched Mobile Banking App 2.0 for its retail resident Indian customers the first of its kind in

India, which offers a high level of personalization .

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FEATURES

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Indian multinational banking and financial services company .

Second largest bank in India by assets and market capitalization.

The bank had a network of 3539 branches and 11,162 Atms in India.

Page 35: Private banks & Public banks

Flexible recurring deposit allows a customer to deposit any amount at any point of time.

Customers also have an option of depositing money by giving a standing instructions.

Customers can earn recurring deposit interest rates on their iWish account.

Page 36: Private banks & Public banks

Customers can choose to share their wishes on Facebook and let their friends and family be part of

their dreams.

iWish gives an opportunity to the family and friends of a customer to contribute and help him

attain his aspirations faster.

ICICI bank assists in the creation , expansion and modernization of private concerns.

Page 37: Private banks & Public banks

ICICI bank encourage the participation of internal and external capital in the private concerns.

It encourage private ownership of industrial investment.

It provides long –term and medium term loans in rupees and foreign currencies.

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FEATURES

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{MEANING}A public sector bank is a bank

that is operated through institutions owned

by the people through their representative

governments.Private sector banks are

owned by the private lenders.

{INTEREST RATE}Interest rate of

public banks is less.

Interest rate of private banks is

higher.

{SECURITY}Public banks are highly

secured as they are run by the govt. of

India.

Private Banks are less secured. There are

chances of getting fraud.

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FLEXIBLITY}The private banks are known for being well equipped with all

kinds of contemporary tools and techniques. And always try to be updated

with environmental changes.

Public banks are not completely well equipped as compared to private

banks. But day by day public banks also starting adapting changes with the

present scenario.

{INTEREST}The decisions in public banks are generally in

the interest of the public.The decisions in private banks

are generally in the interest to increase profits. OR a

private bank mainly focuses on short term interest.

{TIME}Loan sanction works may take long time (i.e. 7-8 days) in public

banks.

Loan sanction works may take less time(i.e. 2-3 days) in private banks.

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{OWNERSHIP}Public sector Banks are also called

Nationalized banks. These banks are owned by the

Government of India.Private sector banks are Banks

which come under Negotiable Instruments Act but

under private Management.

{EXAMPLES} SBI, Canara Bank etc. These public

banks are fully owned by the Government of

India.HDFC, Punjab national bank, ICICI etc. all

these banks are fully owned and managed by

private lenders.

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ADVANTAGES OF PRIVATE

BANKS OVER PUBLIC BANKS

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Private Sector banks are owned by individuals or a group of individuals who can take

policy and business decisions quickly/easily when compared to public sector banks

where policy decisions have to be approved by the government of India. Hence private

sector bank are able to offer attractive plans and offers to customers and hence are

growing at a faster pace than public sector banks.

Page 46: Private banks & Public banks

Private Banks are pressed by the owners to focus on rapid generation of profit,

which often leads to more or less hazardous gambling with money that could

have promoted the economic growth of the state and nation.

on the other hand, public banks is required by its owners - you, the people - to

act so as to promote the economy of the state in the best possible way by

providing credit for growth and prosperity.

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Home loans, car loans etc. all these works are done

more quickly in private banks as compared to public

banks because private banks always try to attract

customers by his efficient working and try to

improve his goodwill.

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Private banks infrastructures, maintenance, customer support services are highly commendable. On the other hand, public bank infrastructures, maintenance, customer support services are poor.

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The main reason at which people like to invest or

taking loan from public bank is the trust and

confidence. people know that it’s a government

regulated bank so there is no chance of getting

fraud in institutions.

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Public sectors bank rates are less as compare to

private banks, for example ;SBI loan rate is 9.25%

in 2013 while HDFC, indiabulls rate are 10.15% in

2013.

Page 52: Private banks & Public banks

Public banks serve the public interest and can take a

long-term view of public investment strategies. Private

banks operate in their own private interest and are

concerned with maintaining the positions of

management and satisfying their shareholders'

requirements for quarterly profits and a healthy stock

price.

Page 53: Private banks & Public banks