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Presented by:

Zeeshan Shaikh
Surya Rana
PrashantVerma
Parvaz Shaikh
Tahaa Lokhandwala
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! J bank is a financial intermediary that accepts deposits and channels

those deposits into lending activities, either directly or through capital
markets.

! Banking is generally a highly regulated industry, and government

restrictions on financial activities by banks have varied over time and
location.
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! Public sector

! Private sector

! Foreign Banks

! Urban cooperative banks

! State cooperative banks

! Central cooperative banks

!

!Jll-India Financial Institutions (JIFIs)

!State Financial Corporations (SFCs)

!State Industrial Development Corporations (SIDCs)

!Nonbanking Financial Companies (NBFCs)

!Capital Market Intermediaries

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!The central banking system of India

! Controls the monetary policy of the rupee as well as currency reserves

!The main monetary authority of the country

!The manager of exchange control

!The bank issues and exchanges or destroys currency and coins not fit
for circulation
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0. Largest state-owned banking and financial services company in

India, by almost every parameter - revenues, profits, assets,
market capitalization

0. 0 0 Foreign offices in
countries across the globe

0.
0 JTMs and SBI group(including associate banks) has

about 45 no of JTMs

0.
5 branches, inclusive of branches that belong to its

Jssociate banks

0.
th most reputed company in the world according to Forbes

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In 0, the Government arranged the nationalization of 04 scheduled
commercial banks in order to expand the branch network, followed by six more
in 0

In contrast to the state bank group, nationalized banks are centrally

Governed, i.e. by their respective head offices

 


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(RRBs): In 05, RRBs were set up by RBI in
partnership with individual states to provide low-cost financing and credit
facilities to the rural masses

!Js on
, there were 0 RRBs covering

5
5 districts with a network of 04,44 branches

! RRBs were originally conceived as low cost institutions having a rural

ethos, local feel and pro poor focus
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 is a term for banking and other financial services
provided by banks to private individuals

!In the early 0 government embarked on a policy of liberalization, licensing a

small number of private banks

! These came to be known as ½


 
 

, and included
Global Trust Bank

!Thus, public sector banks revived to take up leading role in the banking structure
!In 0, the GOI nationalized  more commercial banks, with control
over 0 of banking business of India

! Liberalization along with the rapid growth in the economy of India,

revitalized the banking sector in India

!Then Housing Development Finance principle' approval from the

HDFC became the first to receive an invite from (RBI) to set up a bank
in the private sector
! Have made the banking services more efficient and customer
friendly

Target market

Small & Jgri-based

Blue chip businesses
companies. mid-sized
corporate

! For potential customers, the Bank provides a wide range of

commercial and transactional banking services, including:




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orking capital finance

Trade services
Transactional services
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rForeign Banks are not new phenomena in Indian bank in system.
Standard Charted Bank started its operation in 05 and Citi Bank
opened its branch in India in 0

rHowever, globalization and economic policies implemented in late 0s

encouraged many international banks to open their shops here

rJt almost all the international banks are operating in India

rForeign banks in India have brought the latest technology and new banking
practices.

rThis helped the domestic banks to improve their performance

and provide better customer service

rJnd it has led to Employment Generation in India

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r agdish Seth & Rajendra Sisodia
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Top
 Banks

In India

DNB Survey˜ 2
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Branches

5
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5 5 0,45

Employees
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Income crore crore crore

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r Strengths
Ł King of rural India
Ł Government Backing
Ł Diversified Portfolio
Ł Low Transaction Cost
Ł Brand Name
Ł Excellent Penetration
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r eaknesses
Ł Hierarchical mgmt. a
barrier
Ł High  of NPJ
Ł Lacks modernization
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r Opportunities
Ł Merger of banks
Ł Jdd branches
Ł Privileged Banking
Ł Expansion
Ł Modernization
à

r Threats
Ł Jdvent of MNC banks
Ł Private banks
Ł Liberalization
Ł Consumer
Expectations
Ł Employee Strike
à

r Strengths
Ł Brand name
Ł Huge network
Ł Jggressive Marketing
Ł Technology
Ł Salary Jc¶s
à

r eaknesses
Ł Poor customer service
Ł High transaction cost
Ł Customer bias
Ł Meek global presence
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r Opportunities
Ł New companies
Ł New services
Ł Expansion
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r Threats
Ł Jdvent of MNC banks
Ł Nationalized banks
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!Marketing the Insurance, Mutual Fund and other products of

the Bank. Responsible for end-to-end sales. Jny other work
assigned by the Bank from time to time.
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!Jnalytical tasks on,
maintenance and
transactions including:
Financial models,

 Derivatives market and


 
 conduct financial
valuations. Deliver output
that is accurate, insightful
and client-read
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!Responsibility to track adherence to budgeting for the JTM

identification of expense save options, performance
measurement of new deployments and take necessary
measures.
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! Managing Fresh limits, enhancements, interim approvals and

renewals of dealer¶s limit.
Monitoring end use of funds by appointing CJs for conducting stock
audits.
 r In-depth knowledge in
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 Server Technology,
TCPIP, eb
Technology

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support to its global
business, across the
following areas:

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!Provides HR shared services including Payroll, Benefits, Retiral

Management and related Jccounting & Reporting activities.
 
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!To implement Business Development and Marketing

Strategies and Jchievement of Sales and Profit Targets
of all Financial Products and Services.
   

!Involves up selling, cross selling and providing regular

market information to customers and ensure superior
banking relationships with high value corporates.
 Salary Description

Starting salary in the range of
,ooo to 5,

 Highest for the Vice- President and the Branch

Manager

 Lowest for the Bank Teller or Cashier.