Yakkaddicts Ltd.

Ajay Sharma Gaurav Agrawal Khushbu Pareek Nancy Agrawal Rohit Anand
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Financial SectorBanks

Imagine a world without BANKS !!! burglary and theft no trust uneven interest rates {Think as I !!!!} Unemployment =(( (both in financial and technical sector) Barter system

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Now think from CEOs point of view. How he looks upon the banks. debt capital (necessary evil)

In the more positive way, what are banks meant to us as a CEO?

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 let us show you all the Infosys 2nd quarter result/repot ..

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 So .. As a CEO bank is our one of the most important customer =))

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 Financial Sectors deals with money -Banks -Insurance -Investment Institutions and Mutual Funds

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The Reserve Bank Of India

Banker to the banks.

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Public Banks

Public sector banks (PSBs) are banks where a majority stake (i.e. more than 50%) is held by a government.

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Co-operative Banks 12%

Regional -Rural Banks 3%

Commercial Banks 85%

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Foreign Banks 5%

Regional Rural Banks 3%

Private Banks 18%

Nationalized Banks 52%

SBI & Associates 22%

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Top 5 Public sector Banks in India

State Bank of India (SBI) Punjab National Bank (PNB) Bank of Baroda (BoB) Bank Of India(BoI)

Syndicate Bank

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Top 5 private sector Banks in India

ICICI Bank HDFC Bank Axis Bank

Kotak Mahindra Bank

Yes Bank

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8500 Branches 2000 ATM

1800 Branches 5700 ATM

Total assets:$267 Total Assets: $95 billion billion

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Public
Turnover Branches Overhead Customer Services Techno Savvy Time to Market High High High Low Low High

Private
Low Low Low High High Low

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IT The core strand of the DNA of banks

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Understanding requirements of customers customers by getting into their shoes(literally!!)

Wholesale

Retail
Foreign Exchange

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Retail banking requirements

High transaction volumes Squeezed profit margins High demand of mobile,digital and online banking High demand of helpful,efficient and effective call centers Safety of money

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Wholesale and Investment banking requirements

New functionality and features High speed of transactions Risk mitigation

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What if something goes wrong??

Knight capital ->Lost $440 millon and 73% of its shares,from errant trades caused by software glitches
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What if something goes wrong??

Royal bank of Scotland Paid 125 million pounds in compensation to customers affected by computer systems breakdown.
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What if something goes wrong??

Commonwealth Bank Of Australia A technical glitch allowed people to withdraw any amount of cash they wished from the ATMs irrespective of what they had in their accounts.
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In a nutshell
If something goes wrong,Banks suffer Potential loss of customers. Loss of revenue. Loss of reputation. Litigation.

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Conclusion
Banks are an important part of economy and so are the bread and butter providers of an IT engineer. Solutions provided to banks should be smart,agile,innovative and safe.

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Dedication
Disclaimer: This dedication is not meant for flattery!! We understand that our P will only be a reflection of our E.

Our Source Of Inspiration