Banking Sector

By : -Guneet Singh

Gagandeep SinghDeepak Kumar

Deepak Kumar JethiDurgesh

What Is A Bank ?

1. A bank is a financial institution where you can deposit your money.

2. Banks provide a system for easily transferring money from one person

or business to another.

The banking regulation act,1949,Section(b) defines

banking “as accepting for the purpose of lending and investing of deposits of

money from public , repayable, on demand or

otherwise withdrawable by cheque , draft , order or

otherwise.

Functions Of Banks

Accepting DepositsLending Money

Remittances (A remittance is a transfer of money by a foreign worker to his or her

home country.)Locker’s Facility

Foreign Exchange Business

Types of Banks

Public Sector Banks Private Sector Banks Co-operative Sector

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•Old generation private banks•New generation private banks•Foreign banks operating in India•Scheduled co-operative banks•Non-scheduled banks

Co-operative Sector•State co-operative Banks •Central co-operative banks •Primary Agriculture Credit Societies

State Bank Of India

1. State Bank of India (SBI) is the largest bank in India.

2. Founded in 1806 making it the oldest commercial bank in the Indian

Subcontinent.3. The State Bank Group, with over 16000

branches, has the largest branch network in India.

Chairman - Om Prakash Bhatt

State Bank of Bikaner & Jaipur

State Bank Of Hyderabad

State Bank of Indore

State Bank of Mysore

State Bank of Patiala

State Bank of Saurashtra

State Bank of Travancore

Products/Services Being Offered By SBI

Banking services

NRI Services

International Banking

Corporate Banking

Agricultural Banking

International Banking

•Revenue•US $ 24 billion (2008)▲

•Net Income•US $ 2.25 billion (2008)▲

•Total Assets•US $ 257 billion ( March 2008)▲

ICICI Bank1. ICICI Bank (formerly Industrial Credit

and Investment Corporation of India) is India's largest private sector bank by

market capitalization and second largest overall in terms of assets.

2. Founded in 1955 (as Industrial Credit and Investment Corporation of India).

3. The Bank also has a network of 1,520 branches

Chairman - K. V. Kamath

Headquarters - ICICI Bank Ltd.,ICICI Bank Towers,

Bandra Kurla,Mumbai, India.

Products & Services

1. Deposits(Savings Account,Life Plus Senior Citizens Savings Account,Young Stars Savings Account, Fixed Deposits,Recurring Deposits &

 Easy Receive Savings Account)2. Loans(Home Loans,Personal Loans,Car Loans &

Commercial Vehicle Loans)3. Cards(Consumer Cards-Credit Card,Travel Card,

Debit Cards. Commercial Cards-Corporate Cards, Prepaid Cards,Purchase Card,Distribution Cards &

Business Card.)

3 . Investment & Insurance(ICICI Bank Tax Saving Bonds,Government of India Bonds, Investment in Mutual Funds,Initial Public Offers by Corporates,Investment in "Pure Gold“,Foreign Exchange Services,Senior

Citizens Savings Scheme, 2004)4 . NRI Services(Money Transfer-Direct Debit

(ACH), Cheque Lock Box,Web Wire Transfer, Donate2India,Wells Fargo,Correspondent

Banks, Wire Transfer / SWIFT details,Foreign Currency Cheque.Accounts-Fixed

Accounts,Saving Accounts & Special Accounts.Insurance-General &

Life.Investments-Offshore Bank Deposits & Portfolio Investment Scheme)

Revenue USD 15.06 billion▲

Total assets USD 120.61 billion (▲ at March 31, 2009.)

Axis Bank1. Axis Bank, previously called UTI Bank,

was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private

banks to be established.2. Axis Bank is one of the Big Four Banks of

India with State Bank of India, ICICI Bank and HDFC Bank.

3. Headquarters Mumbai, India.

Chairman - Shikha Sharma

Products & Services

1. Accounts(Zero Balance Savings Account,Krishi Savings Account,EasyAccess

Savings Account, Prime Savings Account,Corporate Salary Account, Women's

Savings Account,Demat Account,Senior Citizen's Account,Defence Salary Account,

Trust/NGO Savings Account,Azaadi - No Frills, RFC(D) Account &Pension Savings Account)

2. Deposits(Fixed Deposits,Recurring Deposits, Encash 24 & Tax Saver Fixed Deposit)

3. Loans(Home Loan,Car Loan,Personal Loan,Loan Against Shares,Loan Against

Property,Loan Against Security,Study Loan & Consumer Loan)

4. Cards(Credit Cards,Debit Cards & Prepaid Cards)

5. Investments(Mohur Gold,Online Trading, Mutual Funds, Demat Account,A Smile

Solution & Kal Bhi,Aaj Bhi)6. Insurance(Life Insurance,Health

Insurance, Personal Accident,Home,Critical Illness Motor Insurance,Jewellery

Insurance,Travel Companion & Business Advantage)

7. Payment Transfers(Bill Pay,Electronic Clearing Service & Tax Payments)

8. Other Services(Mobile Refill,Locker,Online Shopping,IPOSmart & E-

Statement)

Total Income

Rs. ▲13,745.04

crores

Net Profit Rs ▲

1,812.93 crores.

HDFC Bank

1. HDFC Bank Ltd. is a commercial bank of India.

2. The Bank was promoted by the Housing Development Finance Corporation, a

premier housing finance company (set up in 1977) of India.

3. Founded in 1994.4. HDFC Bank has 1,412 branches.

Chairman – Mr. Deepak S Parekh

Headquarters - Mumbai, India

Products & Services

1. Personal Banking(Accounts & Deposits,Loans, Cards,Investments & Insurance,Forex

Services, Payment Services,HDFC Bank Imperia / Preferred / Classic Banking,Access

Your Bank & Customer Centre)2. NRI Services(Accounts &

Deposits,Remittances, Investments & Insurance,Loans,Payment Services,Access

your bank & Customer Centre)

net revenue ▲Rs 2,963.2

crores

net profit Rs ▲

663.94 crores

HSBC Bank1. Hong Kong & Shanghai Banking

Corporation Bank2. I t is both the world's largest banking

group and the world's 6th largest company according to a composite

measure by Forbes magazine.3. Founded in Hong Kong (1865)

4. HSBC Holdings plc is a public limited company.

Chairman - Stephen Green

Products & Services

1. Personal Banking2. Business Banking3. Corporate Banking

4. Interest Rates, Service Charges and Fees5.HSBC Premier

6.Private Banking7. Corporate Sustainability

Personal Banking1 . Credit Cards

2 . Loans3 . Bank Accounts4 . NRI Services

5 . Insurance6 . Investments & Financial Planning7 . Internet and Self Service Banking

8 . Special Offers and Discounts

Business Banking1 . Business Banking Services

2 . Global Trade Solutions3 . Cash Management

4 . Foreign Exchange Services5 . Business Current Accounts

6 . Business Loans and Overdrafts7 . Self Service Banking

Corporate and Institutional Banking

1 . Corporate Banking2 . Treasury and Capital Markets

3 . Equities and Global Investment Banking

4 . Institutional Banking5 . Global Payments and Cash

Management6 . Trade and Factoring Services

7 . HSBC Securities Services

Revenue US$ 137.309 billion (2008)▼

Operating income US$ 56.384 billion ▼(2008)

Net income US$ 6.498 billion (2008)▼

Total assets US$ 2.527 trillion (2008) ▲

Total equity US$ 93.591 billion (2008)▼

Thanks Any Queries???