Banking ppt

Click here to load reader

  • date post

    22-Nov-2014
  • Category

    Documents

  • view

    710
  • download

    5

Embed Size (px)

Transcript of Banking ppt

Introduction Definition of bank: A bank is a financial intermediary which accepts deposits and in turn converts the deposits into lending

Functions of Bank Accepting deposit from people and others(deposit) Lending money to public (loan) Transferring money from 1 place 2 another Credit creation Acting as a trustee Keeping valuable in safe custody Investment decisions and analysis Other types of lending and transaction

Banking Sector in IndiaBanking structure in India

Public

Private

Co-operative

Rural

Foreign

Bank of Maharashtra Central Bank of India

ING Vysya Federal Bank

Saraswat Co-op TJSB

Marathwada Gramin Bank Thane Gramin Bank

HSBC Citibank

Reserve Bank of IndiaFORMULATE AND IMPLEMENT

BANKER TO CENTRAL & STATE GOVT.

REGULATE AND SUPERVISE

ROLE

ISSUE AND EXCHANGE

MANAGE FOREIGN EXCHANGE

Current Scenario The Present Status Major contributor The percent contributed to the economy: 2.5% Still dominated by Government Banks Competition Increase in share value

Current ScenarioBanks Shares of new private assets Average capital adequate ratio for consumers Gross NPAs for commercial banks Returns on assets of commercial bank 1997 2.6% 10.4% 15.7% 0.4% (1991) 2009 15.2% 13.03% 2.3% 1.0%

Top 3 Private Banks of India

Largest private sector bank in India Total asset of Rs. 3,674.19 billion Network of 1,600 branches with about 5000 ATMS 21% Increase in profit after tax to Rs 8.78 billion in Q1 2010

SWOTStrengths Market share Huge network Salary account Working hours Aggressive marketing Weaknesses High Transaction cost Focus only on high end customers Poor customer care/service

SWOTOpportunities Dissatisfied customers of other banks Bank insurance services Increase in percentage of returns Business advising for smaller players Threats Advent of MNC banks Dissatisfied customers Ever improving nationalized banks

One of the first bank to be listed on NYSE in 2001 Among the first companies to receive an 'in principle' approval from the Reserve Bank of India (RBI). Times Bank Limited was merged with HDFC Bank Ltd., in 2000 The Bank has an network of 1,725 branches spread in 771 cities across India The Bank also has 3,898 networked ATMs across these cities

SWOTStrengths Right strategy Great Brand Image. High degree of customer satisfaction Good working environment Lower response time with efficient and effective service. Dedicated workforce Management cover insufficient

Weaknesses Some gaps in range for certain sectors Customer service staff need training

SWOTOpportunities Scope to expand to larger areas Potential to attract more customers from overseas Threats Very high competition prevailing in the industry Lack of infrastructure

Began operation in 1994 Was earlier known as UTI Bank Total Income as on 31/03/2009 is Rs.13,745.04 crore Net Profit as on 31/03/2009 is Rs 1812.93 crore MD and CEO is Shikha Sharma Head Quarter in Mumbai

SWOTStrengths Support of various promoters High Level of Services Knowledge of Indian Market Not been able to Fully position itself correctly Less Popular Weaknesses Low market Capitalization

SWOTOpportunities Growing Indian Banking Sector People becoming more service oriented Global Market Future Market Trends Threats Competitors

Future of Banking Sector in India Mortgages to cross Rs 40 Trillion by 2020 Wealth management will be big business with 10x growth The Next Billion will be the largest segment The branches to grow by 2x and ATMs by 5x Mobile Banking to see huge growth New Models to serve Small and Medium Enterprise Investment Banking to grow by 10 folds

Challenges Financial Inclusion The HR challenge in the Public Sector New entrance Technology

Future for an MBA Add new professionals Globally competitive market Deploy suitable strategies

Future for an MBAFinance Reorganizing the financial system Improvise their nose-dived profit graph

Marketing Market Investment Product Direct selling agents

HR Sustainability of bank Challenges in recruiting, training, and developing

Conclusion

Thank You