GROUP MEMBERS PRATIK AWASARE

SAIPRASAD ARUGONDA

KIRAN KARANJKAR

TEJESWINI MODEKAR

PREETY TALEKAR

BANKING SECTORContinuous Reformation For #ACCHE DIN

OUTLINE

Overview

History

World

IndiaGovt Rules & Regulation

Since 1991 Current Trend SWOT

Credit in Knowledge bank

1. Before RBI which bank had an authority to print a paper currency?

State Bank Of India.

2. Which is the bank who introduced ATM in India?

HSBC

3. A bank who introduced internet banking in India

ICICI

4. Which Is the 1st Indian bank open its branch outside of India?

Bank of India

5. Which is the bank who introduced credit card in India?

Citibank

Overview

EMPLOYMENT DISTRIBUTION

Overview

Agriculture39%

Indian Railway 17%

Information Technology

12%

Banking11%

Construction & Manufacturing

8%

Education7%

Transportation4%

Mining 1%

Others 1%

EMPLOYMENT BY SECTOR2013-14

Overview

Overview

HISTORY

BC

18th Century

BC

4th Century

AD

13TH -14TH

Century

• Born of ‘baking’ concept• Fear of steal & loot by thieves

• ‘Interest’ concept introduced • Political system ruled by corrupt

church priest

• Introduced ‘Coins’ & ‘Bill Of Exchange’

• Transaction currency & Promissory note

HISTORY

AD

16th Century

1668

1821

• Born of ‘cheque’ concept• Complexity of ‘Bill Of Exchange’

• 1st National bank• Baneo dell plaza + Sweden country=

Bank Of Sweden

• Introduced Paper currency in financial system

Bank Of Calcutta+Madras+Bomb

ay=SBI

1839 Union Bank

1865 Allahabad Bank

1885 B.O.I

C.B.I

Bank of Baroda

1913 Canara Bank

NATIONALISATION

BANKS

1. By private Authority

2. Corruption, mismanagement

19th July 1969

14 banks nationalized.

80% under Indian Govt.

Deposits & Advance jumped by 110% .

LIBERALISATION

PHASE

M NARSIMHAM COMMITTEE

Liberalisation banking practice

Convenient & Swift

1.Foreign Banks & ATM

2.Net & Mobile banking

3.Satisfactory service

4Time-important factor

INDIAN HISTORY

CURRENT SYSTEM

RULES & REGULATION

LEVERAGE RATIO

CAPITALBUF-FER SIZE

ASSET LIABILITY MANAGEMENT

KYC

Creditinformation

BASAL 3

RULES & REGULATION

• SUPERVISION OF FINANCIAL CONGLOMERATE

• REGULATION OF NBFC

• RESTRICTION OF EXTERNAL DEBT

• COMPENSATION OF CEOS

• LIMIT ON INTERBANK EXPOSURES

• CORPORATE GOVERNANCE

• MEASURE OF LEVERAGE

• DERIVATIVES

• SECURITISATION

• ACCOUNTING POLICIES

• MANAGEMENT OF CONCENTRATION RISK

• LIQUIDITY BUFFERS

• CAPITAL REQUIREMENTS

RULES & REGULATION

GROWTH RATE Strengthening Measure Operational Flexibility Measure Other Measures

1. Capital Adequate Ratio

2. Prudential Norms

3. Transparency & Disclosure

1. Reduction of CRR & SLR

2. De-regulated interest rate

3. Freedom of oeration

1. Private Sector Participation

1. Recovery of dues

1. Priority Sector lending

SINCE 1991

A.

New area's for bank financing

B.

Risk management

system in bank

C.

Increase in FDI in private bank

D.

Merger and amalgamation

of banks

E. Management

of NPA's

F.

Anti money laundering guidelines

G.

Technology infrastructure

CURRENT TREND

• Entries of foreign banks

• Foreign disinvestment

• NPA• Debt recovery

• ‘#Achhe Din’ oriented budget

• Innovative pvt ltd• Jan Dhan Yojana• Alternative banks

• Redtapism & bureaucracy

• Lack of product differentiation

• Low Penetration

• Strong bank Index• Brilliant policy

maker• Upgrade system• Quality asset

management

STRENGTH WEAKNESS

THREATSOPPORTUNITY

SWOT

THANK

YOU