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Bank Sector Evaluation

 Banking Sector Analysis Composition

SECTOR ANALYSIS

FINANCIAL SECTOR IN INDIA

SUMMARY

GROWING LENDING AND DEPOSIT: Total lending and deposits include

increased in CAGR of twenty-two. 8 % and 21 years old. 2 per cent, respectively, during FY06-13

HIGHER CREDIT PENETRATION: Total number of ATMs in India have

elevated to 1, 04, 500 news and is additional expected to twice over the subsequent two years

RISING NON-URBAN PENETRATION: By using Financial Introduction Plan

(FY10-13), the banking connectivity in India improved more than threefold to 211, 234 villages in 2013 from 67, 694, at the start of the plan period

ROBUST ASSET DEVELOPMENT: Total property has reached USD1. 5 trillion in

FY12 coming from USD1. 3 trillion in FY10, with 73 per cent of it being accounted by public sector

EVOLUTION OF INDIAN FINANCIAL SECTOR

2000

onwards

1956-2000

1936-55

1935

1921

1 ) Closed market

2 . State-owned

Imperial Lender of

India was the

just bank

existing

1 . RBI was

founded as the

central lender of

country

2 . Queer central

financial role of

Imperial Traditional bank

came to an end

1 ) Imperial Lender

expanded it is

network to 480

branches

2 . To be able to

increase

transmission in countryside

areas, Soberano

Bank was

converted into

Condition Bank of India

1 . Nationalisation of

14 large commercial

banks in 1969 and 6

more banking institutions in 1980

2 . Entry of private

players such as ICICI

intensifying the

competition

three or more. Gradual

technology up

gradation in PSU

banks

1 ) Number of banking companies

increased to 26

community sector banking companies,

21 personal sector

banking institutions and 43 foreign

banking institutions

2 . Associated with mobile

and internet banking

3. Developing FDI in

the Indian banking

sector

STRUCTURE OF INDIAN BANK SECTOR

Book Bank of India

Financial institutions

Financial

Institutions

State-level

corporations

All-India financial

institutions

Various other institutions

Slated Commercial Financial institutions

(SCBs)

International banks

(43)

Urban

supportive

banks (1, 674)

Country cooperative credit rating

institutions (96, 751)

Cooperative

credit corporations

Public sector

banks (26)

Private sector banks (21)

Regional Rural

Banks (RRB)

(62)

NOTABLE TRENDS IN BANKING MARKET

SECTOR

• IMPROVED RISK MANAGEMENT PRACTICES

1 )

Indian banking institutions are more and more focusing on adopting integrated way of risk management

installment payments on your

Banks have already embraced the international financial supervision contract of Basel II; oddly enough, according to RBI, most the banking companies already meet up with capital requirements of Basel III

a few.

Most of the financial institutions have set up the construction for assetliability match, credit rating and derivatives risk management

• DIVERSIFICATION OF REVENUE STREAM

1 .

Banks are lounging emphasis on diversifying the source of revenue stream to protect themselves from rate of interest cycle and its particular impact on fascination income

installment payments on your

Focusing on raising fee and fund based income simply by launching plethora of new asset management, prosperity management and

treasury goods

• TECHNOLOGICAL INNOVATIONS

1 .

Indian banks, including public sector banks are aggressively bettering their technology infrastructure to improve customer knowledge and gain competitive benefit

2 .

three or more.

Internet and mobile banking is gaining rapid establishment

Customer Marriage Management (CRM) and info

warehousing can drive another wave of technology in banks

• FOCUS ON FINANCIAL INCLUSION

1 )

RBI offers emphasised the need to focus on distributing the reach of financial services to the un-banked population of India

2 .

American indian banks happen to be expanding their particular branch network in the non-urban areas to capture the new business opportunity

• DERIVATIVES AND RISIKOMANAGEMENT PRODUCTS

1 .

The more and more dynamic business scenario and financial

sophistication has increased the advantages of customised unique financial products

installment payments on your

Banks happen to be developing Impressive financial products and advanced risikomanagement methods to record the market share

DEBT CONSOLIDATION

1 .

With entry of foreign banking companies competition...

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