31025577 Banking Sector

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A banker or bank is a financial institutionwhose primary activity is to act as a paymentagent for customers and to borrow and lend

money. An institution where one place and borrow

money and take care of financial affairs; Abranch office of such an institution.

The first modern bank was founded in Italy inGenoa in 1406.


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Banking dates back to 1786, the first bankestablished in India, then the nationalisation ofbanks in 1969 and recently the liberalisation of

the same since 1991. The government's regular policy for Indian

bank since 1969 has paid rich dividends

with the nationalisation of 14 major private

banks of India.


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Public Sector Banks in India.

Private banking in India.

Rural banking in India.

Foreign Banks in India.


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1. Allahabad Bank2. Andhra Bank3. Bank of Baroda4. Bank of India5. Bank of Maharastra6. Canara Bank7. Central Bank of

India8. Corporation Bank9. Dena Bank10. IDBI Bank

11.Indian Bank

12.Indian Overseas Bank

13.Oriental Bank of

Commerce

14.Punjab & Sind Bank

15.Punjab National Bank

16.Syndicate Bank

17.UCO Bank18.Union Bank of India

19.United Bank of India

20.Vijaya Bank


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State Bank of India

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

State Bank of Indore State Bank of Mysore

State Bank of Saurastra

State Bank of Travancore


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1. Bank of Punjab2. Bank of Rajasthan3. Catholic Syrian

Bank4. Centurion Bank5. City Union Bank6. Dhanalakshmi

Bank

7. DevelopmentCredit Bank8. Federal Bank9. HDFC Bank

10.ICICI Bank

11.IndusInd Bank

12.ING Vysya Bank

13.Jammu & KashmirBank

14.Karnataka Bank

15.Karur Vysya Bank

16.Laxmi Vilas Bank17.South Indian Bank

18.United Western Bank

19.UTI Bank


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1. Haryana State Cooperative Apex Bank Limited.2. National Bank for Agriculture and Rural

Development (NABARD).3. Sindhanur Urban Souharda Co-operative Bank.4. United Bank of India.


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1. ABN-AMRO Bank2. Abu Dhabi Commercial Bank3. Bank of Ceylon

4. BNPParibas Bank5. Citi Bank6. China Trust Commercial Bank7. Deutsche Bank8. HSBC9. JPMorgan Chase Bank10. Standard Chartered Bank11. Scotia Bank12. Taib Bank


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Automatic Teller Machine (ATM)

The first bank to introduce the ATM

concept in India was the Hongkong andShanghai Banking Corporation (HSBC). It wasin the year 1987. Now, almost everycommercial banks gives ATM facilities to itscustomers.


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The first bank to cross 1,000 marks in installingATMs in India is ICICI.SBI is following theconcept of 'ATMs in Quantity'. But Private

Sector Banks have taken the lead. ICICI, UTI,HDFC and IDBI counts more than 50% of thetotal ATMs in India.


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"The account that travels with you". This isneeded in today's fast business environmentwith unending deadlines for fulfillment and

loads of appointments to meed and meetings toattend. With mobile banking facilities, one canbank from anywhere, at anytime and in anycondition or anyhow.


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The following operations can be conductedthrough advanced mobile phones.

Bill payments

Fund transfersCheck balances

Any many more which is also availablein SMSBanking

y


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Businesses are in move. So is to be your money.You may have to thank the banks which areproviding banking at the send-of-your-sms. The

technology is at its highest level to move yourmoney while you are on the move. If you arehaving non-WAP enabled mobile handset, youcan use the facility of SMS services


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The following operations can be easily used bythe service provider:

Balance enquiry

Last three transactions Cheque payment status

Cheque book request

Statement request

Demat

-

FreeB

alance Holding Demat - Last two Transactions

Bill Payment


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Net Banking is conducting ones banking orbank account online through a computer and anet connection. The system is updated

immediately after every transactionautomatically. In other words it is said that it isupdated 'on-line, real time'. Through netbanking one can check the status of his/heraccount, place queries and also can befacilitated with a wide range of transactionssimultaneously.


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Net Banking has three basic features. They areas follows:

The banks offer only relevant information's about

their products and services to the mass. Few banks provide interaction facility between

the banks and its customers.

Banks are coming up with arrangements of

utility payments, like telephone bills, electricitybills, etc.


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Indias Central Bank


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Established on April 1,1935 with share capita offive crores on recommendation of Hilton

young commission. RBI was Nationalized in year 1949.

The Central Office of the Reserve Bank wasinitially established in Calcutta but was

permanently moved to Mumbai in 1937

The Governors of RBI is Dr. Duvvuri Subbarao.


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RBI Have 20 Directors.

The Governor.

Fore deputy Governor.

One Govt.Official from Ministry of finance.

Ten Nominate Director, Nominated by Govt. Four Director to represent Headquarter at

Mumbai , Calcutta , Chennai &New Delhi.

Appointed / Nominated for period of four

year.


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Head office in Mumbai Has 22 regional offices,

most of them in state capitals


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The Preamble of the Reserve Bank of Indiadescribes the basic functions of the ReserveBank as:

"...to regulate the issue of Bank Notes andkeeping of reserves with a view to securingmonetary stability in India and generally tooperate the currency and credit system of thecountry to its advantage."


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Bank of Issue (under sec 22)

RBI has sole right to issue one Rupees Notes and smallcoins in country as agent of government.

RBI has separate issue department to issue currency note.

RBI maintain minimum reserve in Gold and ForeignExchange reserve of which almost 55% should be Gold.


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Banker to Government.

RBI is banker ,agents and advisor of centralGovernment and all state Government in India.

RB

I helps the Government to float new loans and toManage Public.

RBI makes loans and advances to the States localauthorities.


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Bankers Bank & Lender of Last Report.

RBI maintains banking accounts of all schedulebank.

Every schedule bank have to keep cash reserve a

fix percentage of their aggregate depositliabilities.

Bank always expect for help from RBI in time ofbanking crisis.


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Controller ofCredit

RBI holds the cash reserves of all schedulebanks.It holds credit operation of bank through

quantities.RBI has power to ask bank or whole banking

system not to lend particular group.Every bank have to get license from RBI for

banking operation .RBI also cancel this license.Every bank give weekly return showing assets

and liabilities in details


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Custodian of foreign reserves.

RBI responsible to official rate of exchange asaccording term of I.M.F.

RBI reserves the international currency.RBI observes relationship of Indian currency

with other International currency.


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Governor

Dr. D Subbarao

Deputy Governor

Dr. Rakesh Mohan, Smt. S. Gopinath, Smt. UshaThora

Executive Directors

Sh. V.K. Sharma, Sh. C. Krishnan, Sh. Anand Sinha, Sh. V.S.Das, Sh. G. Gopalkrishna, Sh. H.R. Khan, Sh. D.K. Mohanty


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Top Banks In India DNB Survey

Bank Name

StateBank OfIndia

ICICIBankLimited

HDFCBank

PunjabNationalbank

Bank OfBaroda

Branches26500 2,016 1,725 5000 1,456

Employees 200,299 35,000 51,888 580,300 302,000

Income85,962crore

59,599.77crore

4,419.01crore

2,32,000 1,03,000

Profit

9,166.05

crore

4,843.41

crore

3,032.92

crore

1,90,000 99,873

Top Banks In India


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Strengths

King of rural India

Government Backing

Diversified Portfolio

Low Transaction Cost

Brand

Name

Excellent Penetration


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Weaknesses

Hierarchical mgmt. abarrier

High % of NPA

Lacks modernization


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Opportunities

Merger of banks Add branches

Privileged Banking

Expansion

Modernization


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Threats

Advent of MN

Cbanks

Private banks

Liberalization

ConsumerExpectations

Employee Strike


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Strengths

B

rand name Huge network

Aggressive Marketing

Technology

Salary A/cs


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Weaknesses

P

oor customer service High transaction cost

Customer bias

Meek global presence


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Opportunities

N

ew companies New services

Expansion


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Threats

Advent of MNCbanks

Nationalized banks


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Marketing the Insurance, Mutual Fund and other products of theBank. Responsible for end-to-end sales. Any other work assignedby the Bank from time to time.


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FinancialAnalyst

ResearchAnalyst

AnalystDerivatives

Analytical 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 ATMidentification of expense save options, performancemeasurement of new deployments and take necessarymeasures.


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Managing Fresh limits, enhancements, interim approvals andrenewals of dealers limit.Monitoring end use of funds by appointing CAs for conducting stockaudits.


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Asst.ManagerSystems

In-depth knowledge in

Multi-tireArchitecture, ClientServer Technology,TCP/IP, WebTechnology

Analyst IT

Operations

Provide re otesupport to its glob lbusiness, cross thefollowing re s: IT Service esk. Infor tionSecurity/AccessM n ge ent.Windows/ nix/ inux Server per tions

IT AND

MANAGEMENT


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Provides HR shared services including Payroll, Benefits, RetiralManagement and related Accounting & Reporting activities.


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To implement Business Development andMarketing Strategies and Achievement of Salesand Profit Targets of all Financial Products andServices.


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31025577 Banking Sector

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