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PRESENTATION ON
Banking
Sector
2 IIMP
INTRODUCTION
What is Bank
A bank is a financial institute whose primary
activity is to act as a payment agent for
customers to borrow and lend.
What is Banking
Indian Definition of Banking
By banking regulation act 1949.
"Banking" means the accepting, for the purpose of
lending or investment, of deposits of money from
the public, repayable on demand or otherwise,
and withdraw able by cheque, drafts, order or
otherwise”.
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History of Banking
The banking system was prevailing at the
time of Babilon culture, from since 1171 year
The word ‘BANK’ has evolved from word
‘BANCO’
It is seen that since 1646 the word ‘Bank’ has
been used in the articles.
Indian History:
Banking in India is said to be developed
during the British era. In the first half of the
19th century.
Bank of Bengal in 1809 , Rs 50 lakhs as capital
The Bank of Bombay in 1840, Shares capital
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Rs 5225000. IIMP 4
But in the course of time these three banks
were amalgamated to a new bank called
Imperial Bank of India on 27th Jan 1921 and
later it was taken over by the State Bank of
India in 1955.
Allahabad Bank was the first fully Indian
owned bank. The Reserve Bank of India was
established in 1935 followed by other banks
like Punjab National Bank, Bank of India,
Canada Bank and Indian Bank.
In 1969, 14 major banks were nationalized and
in 1980, 6 major private sector banks were
taken over by the government.
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Types of Banks
Central Bank
The Reserve Bank of India is the central Bank that is
fully owned by the Government.
Public Sector Banks
State Bank of India and its associate banks called the
State Bank Group, 20 nationalized banks, Regional
rural banks mainly sponsored by public sector banks.
Private Sector Banks
Co-operative Sector
The co-operative sector is very much useful for
rural people. The co-operative banking sector is
divided into the following categories.
State co-operative Banks
Central co-operative banks
Primary Agriculture Credit Societies
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Development Banks/Financial
Institutions
IFCI
IDBI
ICICI
IIBI
SCICI Ltd.
NABARD
Export-Import Bank of India
National Housing Bank
Small Industries Development Bank of India
North Eastern Development Finance
Corporation
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RBI
The Reserve Bank of India was established on
April 1, 1935 in accordance with the provisions of
the Reserve Bank of India Act, 1934.
The Central Office of the Reserve Bank was
initially established in Calcutta but was
permanently moved to Mumbai in 1937.
The Reserve Bank is fully owned by the
Government of India.
Preamble:
The Preamble of the Reserve Bank of India
describes the basic functions of the Reserve Bank
as:
"...to regulate the issue of Bank Notes and keeping
of reserves with a view to securing monetary
stability in India and generally to operate the
currency and credit system of the country to its
advantage."
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Banking related terms
Inflation Current Rates:
CRR rate Bank Rate: 6%
REPO rate Repo Rate: 9%
Bank rate Reverse Repo rate: 6%
Call rate CRR: 8.75%
Slr rate SLR: 25%
Plr rate PLR: 12.75%-13.25%
Saving Bank Rate: 3.5%
Deposit Rate: 7.5%-
9.6%
Call rate: 7%-9.%
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E-Banking
CORE BANKING:
FUNDAMENTAL DUTIES
FUNDAMENTAL POWERS
ADVISORY DUTIES
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Banking Services
Deposits
Money
Loans transfer
Services
NRI
services E-
Banking
Lockers
(Limited
to some
banks)
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Indian banking sector Analysis
CLERICAL
MANAGERIAL
Duties of workers in specialized areas are :
Personnel - recruiting and training staff, planning career
development of trainees, advising students about careers in
banking;
Marketing - designing campaigns to promote new and
existing services, researching customers' banking habits to
find new
opportunities for the bank;
Operations - processing transactions and loans, researching
new technology or different working methods to increase
the bank's efficiency;
Electronic Services- writing a new section on the bank's
website, developing interactive digital TV banking services;
Card Services- authorizing and issuing cards, managing
transactions;
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IDBI BANK
Vision:
“To the trusted partner in progress by leveraging
quality human capital and setting global standards of
excellence to build the most valued financial
conglomerate”.
our Mission
To continually strive to enhance customer experience
through innovative product offerings, dedicated
relationship management and superior service delivery
while striving to interact with our customers in the
most convenient and cost effective manner.
To be transparent in the way we deal with our
customers and to act with integrity.
To invest in and build quality human capital in order to
achieve our mission.
History (down memory lane…evolution and
changing role )
STRENGTHS WEAKNESS
It has a diversified
customer profile Average quarterly balance
IDBI’S strong market Rs.2500/-
position as one of India’s Poor level awareness about
leading financial institution, the bank among masses
with consistent profitability Not proved search option
and sound capitalization. for online services.
competent human capital
to power its aggressive
growth plans .
It has exerted a
deterministic influenced on
the development of modern
India by moving beyond the
realm of mere financial
intermediation
Swot Analysis
Cont…
OPPORTUNITIES: THREATS:
REFERENCES:
www.Google.com(search engine)
www.RBI.org.in
www.ecofin.co.in
www.idbi.com
BOOKS:
Marketing management by: Philip kotler
Logo Meaning
Our logo captures the essence of what our banks stands for.
The teal green backdrop in the logo coveys the immense
prosperity our institution has help bring to modern India,
while the straight standing erect typeface reflects the
steadfastness and solidity of our organization. The orange
flower is a symbol of dynamism and individual well-being.
The blob atop the power conveys that each and every stake
holder is the focal point of our strategy pursuits while the
circle of space around the orange flower suggests that no
matter how big it grows, there will always be scope for it to
further expands its reach(inclusive banking) and bouquet of
products and services(universal banking). Overall, the new
logo reflects the assuring face of a bank that is committed
to help ‘every big-thinking Indian think even bigger’, which
SUGGESTIONS
More branches across different states of India
especially in rural areas are required to be
opened to meet the requirement of rural
India.
ATM has become very attractive for
customer, but IDBI has very small ATM
network so need to set up more ATM networks
IDBI need to adopt aggressive marketing
strategies which include promotion as product
in electronic media, print media and through
other forms of advertisements.
Door step banking should also be given a
chance.