A PRESENTATION ON BANKING INDUSTRY SUBMITTED TO: ASHISH SIR PREPARED BY: KHATRI HARDIK & PAU NENCY

Introduction & evolution of banking

A bank is a financial institution that provides banking and other financial services. The word bank is derived from the Italian banca, which is derived from German and means bench. Bank is a lawful organisation, which accepts deposits that can be withdrawn on demand. It also lends money to individuals and business houses that need it.. .

The General Bank of India was first Joint Stock Bank to be established in the year 1786. Establishment of the Reserve Bank of India (RBI) in 1935, the central banking responsibilities that the Imperial Bank of India was carrying out came to an end, leading it to become more of a commercial bank An act of parliament passed in May 1955, State Bank of India was established in Jul, 1955. In 1959, State Bank of India took over the eight former stateassociated banks as its subsidiaries.

Product
Banks in India have traditionally offered mass banking products. Most common deposit products being Savings Bank, Current Account, Term deposit Account Lending products being Cash Credit and Term Loans. A few foreign & private sector banks have already introduced customised banking products like Investment Advisory Services, Cash Management services, Investment products Tax Advisory services. Products like debit cards, Flexi deposits ATM cards personal loans including consumer loans Housing loans and vehicle loans have been introduced by a number of banks.

Promotion Schemes Development and Promotional Functions Micro Credit Innovations Kisan Credit Card R & D Fund Swarojgar Credit Card Farmer's Club Programme Government Sponsored Schemes

Key players in Indian banking

Name of Bank Credit portfolio as Market in MARCH Share(%) 2011(Rs.billion) State bank of 7,567 18% India Punjab 2,421 6% national bank Bank of 2,287 5% Baroda ICICI bank 2,164 5% Bank of india 2,131 5% Canara bank 2125 5% HDFC Bank 1600 4% IDBI Bank 1571 4% AXIS Bank 1424 3% Central Bank 1297 3% of India Total banking 42874 100% sector

Banking services provide to Customer 1. 2. 3. 4. 5. 6. 7. Automated Teller Machines branch is a retail location Call centre Mail: most banks accept cheque deposits via mail and use mail to communicate to their customers, e.g. by sending out statements Mobile banking is a method of using one's mobile phone to conduct banking transactions Online banking is a term used for performing transactions, payments etc. over the Internet Relationship Managers, mostly for private banking or business banking, often visiting customers at their homes or businesses Telephone banking is a service which allows its customers to perform transactions over the telephone with automated attendant or when requested with telephone operator Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection.

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Current trend in the industry 1. 2. 3. 4. Reduce operational discrepancies Customer relationships Foundation to design your product Complying with regulations

PESTEL Analysis