INDIAN BANKING INDUSTRY

BANKING SYSTEM IN INDIA

PRODUCT CONCEPT
Loan Products
Auto Loan Gold Loan House Loan Credit cards Loan against Securities Retail Banking Business

Deposit Products
Deposits Saving Accounts

Other Products /Services

NRI services POS Terminals Private Banking Demat Services Mutual Fund Sales

Current Accounts Fixed / Recurring Corporate Salary A/C

Retail Banking (core Product) Education Loan

Foreign Exchange Services

Commercial Banking
Term Loan Guarantees Bill Collection Letter of Credit Working Capital

Transaction Banking
Cash Management Custodian Services Clearing Bank Services Tax Collections Banker to Public Issues

Key Segment
Large Corporate Emerging Corporate Financial Institutions Government/PSUs Agriculture Commodities

Wholesale Banking (Formal)

Product Segment
Equities Derivatives Capital Market

Other Financing
Cash Management Statutory Reserve Financial Decisions Asset Liability Management

Treasury Banking (Augmented)

Debt Securities Foreign Exchange

CHARACTERISTICS OF SERVICES

INTANGIBILITY

INCONSISTENCY

SERVICE TRIANGLE
BANKS

BANK EMPLOYEE

CUSTOMER

BLUEPRINTING AND BENCHMARKING

Mortgages to cross Rs 40 lakh crores by 2020

Wealth Management to be a big business

Rapid growth of branches & ATMs Mobile banking to see huge growth Infrastructure financing to reach over Rs. 20 trillion on Commercial banks by 2020 New Models to serve the Small & Medium Enterprises (SME)

SERVICE QUALITY ASPECT

A user can have access to his/her bank accounts at a nominal cost and at a fast speed from anywhere in the world Problems are resolved by first person customer speaks with The Bank delivers on its promises

Innovation in the Banking Industry

These ATMs use the finger print of the card holder or eye retina scan as a PIN for verification purpose
A user can have access to his/her bank accounts at a nominal cost and at a fast speed from anywhere in the world

Plastic money, cash cards, credit/debit cards and polymer notes will boom as the e-commerce space boom in India and people get used to the idea of carrying less cash

BANKING VISION 2020

To evolve into a strong, sound and globally competitive financial system To provide integrated services to customers from all segments To leverage on technology and human resources, adopting the best accounting and ethical practices and

fulfilling corporate and social responsibilities towards all

stakeholders.

TARGET(2020)
Ranking- 11th to 4th among 207 countries given in the World Development Report in terms of (GDP). FDI-to contribute 35% (21% now) in capital formation International trade-below 1%(present) to 6% Contribution of GDP- 15% (present) to 35% Annual growth(GDP)- 8.5% to 9%

Urbanization- 30% to 40%

SME- Major player of the economy

FUTURE LANDSCAPE
FOUR DYNAMIC TRENDS:-

1. Consolidation of major players through merger & acquisition

2. Globalization of operation 3. Development of new technology 4. Universalization of banking

CONCLUSION
Indias Banking sector is growing rapidly and is expected to enjoy greater growth opportunity in future. Indian Banks are competing with global players in terms of best practices followed in serving to their customers.

THANK YOU

Submitted by : DINESH PAL