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BANKING INDUSTRY

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BANKING INDUSTRY
 The Banking Industry was once a simple and reliable
business that took deposits from investors at a lower interest rate
and loaned it out to borrowers at a higher rate.

 The Banking Industry at its core provides access to credit. In


the lenders case, this includes access to their own savings and
investments, and interest payments on those amounts. In the case
of borrowers, it includes access to loans for the creditworthy, at a
competitive interest rate.
Contd…..

The Banking Industry at its core provides access to


credit. In the lenders case, this includes access to their
own savings and investments, and interest payments on
those amounts. In the case of borrowers, it includes
access to loans for the creditworthy, at a competitive
interest rate.

Banking services include transactional services, such


as verification of account details, account balance details
and the transfer of funds, as well as advisory services,
that help individuals and institutions to properly plan and
manage their finances. Online banking channels have
become key in the last 10 years.
 Mortgage Banking
Mortgage banking has been encompassing for the publicity or promotion
of the various mortgage loans to investors as well as individuals in the
mortgage business.

Online Banking
Online banking services has developed the banking practices easier
worldwide.

Small Business Banking


Banking in the small business sector plays an important role. Find various
banking services available for small businesses
BANK AT A GLANCE
q A bank is a financial institution licensed by a government. Its primary
activities include providing financial services to customers while
enriching its investors.
q Many financial activities were allowed over time. For example banks are
important players in financial markets and offer financial services such
as investment funds.
q The level of government regulation of the banking industry varies widely,
with countries such as Icland, having relatively light regulation of the
banking sector, and countries such as China having a wide variety
regulations but no systematic process that can be followed typical of a
communist system.
Nationalized Bank
q The Public sector banks are those where govt
holdings are more than 50% .
q while nationalized banks are those banks which were
nationalized in 1969 and 1980.
q Thus all nationalized banks are public sector
banks.
q Public sector Banks are also called Nationalized
banks Eg: SBI,Canara Bank etc. These banks are
whollely owned by the Government of India.
Nationalized banks
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
IDBI Bank
Private Sector Bank
q Private sector banks are Banks which come under Negiotiable
Instruments Act but under private Management. For Eg:
Federal Bank, Karur Vysya Bank etc.
q But all these Banks comes under the perview of Scheduled Bank
since these banks are included in the Schedule of the
Government of India.
q A private sector is an economy is made up 0f all businesses
and firms owned by ordinary members of the general public.
q It also consist of all the private households in which people live.
Private sector banks
Axis Bank
Centurion Bank of Punjab-now a part of
HDFC Bank
HDFC Bank
ICICI Bank
IndusInd Bank
Kotak Mahindra
Yes bank


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