Banking and Its Overview Ppt

BANKING &ITS OVERVIEW

SCHEDULED BANKS

COMMERCIALBANKS

COOPERATIVE BANKS

PUBLIC SECTOR & PRIVATE SECTOR

BANKS

FOREGIN BANKS & REGIONAL RURAL BANKS

URBAN COOPERATIVE BANKS

STATE COOPERATIVE BANKS

CONTENTS

ABOUT

RBI History of RBI Structure of RBI Main functions of RBI

It is the central banking institution of India. Controls the monetary policy of the rupee as well as US$300.21 billion (2010) of currency reserves and now US$30,210 crore(US$302.1 billion) The institution was established on 1 April 1935 during the British Raj in accordance with the provisions of the Reserve Bank of India Act, 1934. It plays an important part in the development strategy of the government. It is a member bank of the Asian Clearing Union. It has headquarters in Mumbai. Governor of RBI is Duvvuri Subbaro. Its ISO code is 4217.

Base

borrowing rate of RBI is 7.25%. Base deposit rate of RBI is 6.25%.

STURCTURE OF RBI Central

Board of Directors

Governors

He is the bankers' banker. He is also the banker to the government. He influences a wide range of micro and macro economic issues in the country. His autograph appears on currency notes. He controls the country's monetary, currency and credit systems. His actions influence not only the entire banking system, but also the stock markets, the economy and people's lives in general. Indeed, if he sneezes, the markets tend to catch a cold. He heads an institution which is the sole authority for issuing bank notes. The central bank chief also supervises all banking operations in the country. He supervises and administers exchange control and banking regulations. Besides administering the government's policy, he also issues licenses for new banks, private banks and foreign banks.

He helps formulates, implement and monitor the monetary policy. He announces the biannual Monetary and Credit Policy. He controls the country's interest rates on deposits and advances. He regulates and supervises the nation's financial system. He manages the Foreign Exchange Management Act. He monitors the issues and exchange. He also plans a role in helping promote functions to support national objectives. He makes the customer friendly policies. He also monitors the implementation of governmentsponsored poverty alleviation schemes.

It has four regional representations. The representations are formed by five members.

OFFICE AND BRANCHES OF R.B.I

The institution has 22 regional offices. 15 branches. 5 sub-offices. The bank has also two training colleges.

Monetary policy Manager of exchange control

Issuer of currencyDevelopmental role Other functions

Bank rates

Cash reserve ratio(CRR)

Statutory Liquidity Ratio(SLR)

others

Establishment.

Preamble.

Central Board.

Constitution

Official Directors Non-Official Directors Local board

Financial Supervision of RBIo

BFS (Board for Financial Supervision).

Legal Framework

Reserve Bank of India Act, 1934. Banking Regulation Act, 1949.

SubsidiariesNational Housing Bank(NHB).http://www.nhb.org.in/Deposit Insurance and Credit

Guarantee Corporation of India(DICGC).http://www.dicgc.org.in/ English/index.html Bharatiya Reserve Bank Note Mudran Private Limited(BRBNMPL).https://www.brbn mpl.co.in/default.aspNational Bank for Agriculture and Rural Development (NABARD).http://www.nabard.org/

State Bank of India State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of Indore

State Bank of MysoreState Bank of Patiala State Bank of Saurashtra State Bank of Travancore Andhra Bank Allahabad Bank Bank of Baroda Bank of India

Bank of MaharashtraCanara Bank

Central Bank of IndiaCorporation Bank Dena Bank Indian Overseas Bank Indian Bank Oriental Bank of Commerce Punjab National Bank

Punjab and Sindh BankSyndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank

ABN-AMRO Bank

Abu Dhabi Commercial Bank Ltd.American Express Bank Ltd. BNP Paribas

The Royal Bank of Scotland, IndiaVTB Bank, India Sonali Bank, India

Citibank DBS Bank Ltd.Deutsche Bank HSBC Ltd

Standard Chartered BankBarclays Bank Antwerp Diamond Bank, India

Arab Bangladesh Bank, IndiaBank of America, India Bank of Bahrain & Kuwait BSC, India Bank of Ceylon, India

Bank of Nova ScotiaBank of Tokyo Mitsubishi UFJ Ltd, India Chinatrust Commercial Bank Ltd Credit Agricole Corporate and Investment Bank, India

J P Morgan Chase Bank, IndiaMashreq Bank PSC, India

CHAITANYA GODAVARI GR BK ANDHRA BANK, ANDHRA PRADESH SAPTAGIRI GRAMEENA BANK INDIAN BANK DECCAN GRAMEENA BANK STATE BANK OF HYDERABAD ANDHRA PRADESH GR.VIKAS BANK STATE BANK OF INDIA ANDHRA PRAGATHI GRAMEENA BANK

ARUNACHAL P. RURAL BANK STATE BANK OF INDIA ARUNACHAL LANGPI RURAL BANK STATE BANK OF INDIA ASSAM.ASSAM GRAMIN VIKAS BANK UNITED BANK OF INDIA. UTTAR BIHAR GRAMIN BK CENTRAL BANK OF INDIA BIHAR. MADHYA BIHAR GR BK PUNJAB NATIONAL BANK.

SAMASTIPUR KSH GR BK STATE BANK OF INDIA. BIHAR KSH. GR. BANK. SURGUJA KSH GR BK CENTRAL BANK OF INDIA CHATTIS-GARH. DURG-RAJNANDGAON GR BK DENA BANK. CHHATISGARH GRAMIN BANK STATE BANK OF INDIA. BARODA GUJRAT GR. DENA GUJRAT GR. BANK DENA BANK. SAURASHTRA GR. BANK STATE BANK OF SAURASHTRA. HARYANA GRAMIN BANK PUNJAB NATIONAL BANK HARYANA. GURGAON GRAMIN BANK. HIMACHAL GRAMIN BANK PUNJAB NATIONAL BANK HIMACHAL PRADESH.

PARVATIYA GRAMIN BANK STATE BANK OF INDIA ELLAQUI DEHATI BANK STATE BANK OF INDIA JAMMU & KASHMIR J&K GRAMIN BANK J&K BANK LTD JHARKHAND GRAMIN BANK BANK OF INDIA JHARKHAND VANANCHAL GRAMIN BANK STATE BANK OF INDIA PRAGATHI GRAMIN BANK CANARA BANK KARNATAKA (6) CHICKMAGALUR- GR BK CORPORATION BANK KRISHNA GR BK STATE BANK OF INDIA CAUVERY KALPATHARU GRAMEENA BK STATE BANK OF MYSORE

KARNATAKA VIKAS GR. BK. SYNDICATE BANKVISVESHWARAYA GR BK VIJAYA BANK SOUTH MALABAR GR BK CANARA BANK KERALA (2) NORTH MALABAR GR BK SYNDICATE BANK SHARDA GRAMIN BANK ALLAHABAD BANK MADHYA PRADESH JHABUA-DHAR KSH GR BK BANK OF BARODA NARMADA-MALWA GR.BANK BANK OF INDIA.

Bank of Rajasthan Bharat Overseas Bank Catholic Syrian Bank Centurion Bank of Punjab (Merged with HDFC bank) City Union Bank Development Credit Bank Dhanalakshmi Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank

Karnataka Bank LimitedKarur Vysya Bank

Kotak Mahindra Bank Lakshmi Vilas Bank Lord Krishna Bank (now Centurion Bank of Punjab) Nainital Bank

Ratnakar BankRupee Bank Saraswat Bank SBI Commercial and International Bank South Indian Bank Tamilnad Mercantile Bank Ltd Thane Janata Sahakari Bank Bassein Catholic Bank United Western Bank (now IDBI Bank) YES Bank

Bank of Rajasthan Bharat Overseas Bank

Catholic Syrian BankCenturion Bank of Punjab (Merged with HDFC bank) City Union Bank Development Credit Bank Dhanalakshmi Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka Bank Limited Karur Vysya Bank

The Himachal Pradesh State Co-operative Bank Ltd. The Jammu and Kashmir State Co-operative Bank Ltd. The Karnataka State Co-operative Apex Bank Ltd. The Kerala State Co-operative Bank Ltd. The Madhya Pradesh Rajya Sahakari Bank. The Maharashtra State Co-operative Bank Ltd. The Manipur State Co-operative Bank Ltd. The Meghalaya Co-operative Apex Bank Ltd. The Mizoram Co-operative Apex Bank Ltd. The Nagaland State Co-operative Bank Ltd.

COMMERCIAL BANKS

A commercial bank (or business bank) is a type of financial institution and intermediary.

It is a bank that provides transactional, savings, and money market accounts and that accepts time deposits. It is the term used for a normal bank to distinguish it from an investment bank.

It can also refer to a bank or a division of a bank that mostly deals with deposits and loans from corporations or large businesses.

Issuing bank drafts and bank cheques.

Accepting money on term deposit.

Lending money by overdraft, instalment loan, or other means.

Cash management and treasury.

Merchant banking and private equity financing.

Safekeeping of documents and other items in safe deposit boxes. Distribution or brokerage, with or without advice, of insurance, unit trusts and similar financial products as a financial supermarket.

Types of loans granted by Commercial banks Secured

loan

Mortgage

loanloan

Unsecured

COMMERCIAL BANKS DIVISION

FOREGIN BANKS

PUBLIC SECTOR BANK

REGIONAL RURAL BANKS

PRIVATE SECTOR BANKS

FOREGIN BANKS

Foreign banks have brought latest technology and latest banking practices in India. Foreign banks are not new phenomena in Indian banking system. Standard charted bank started its operation in 1858. Arrival of foreign banks started from Calcutta in 1860

second foreign bank was Comptorie dEscompte de Paris who opened the branch in Calcutta in 1860.City bank opened its branch in 1902. Hong Kong & Shanghai Banking corporation is functioning since 1953.

REGIONAL RURAL BANKS

The Government of India set up Regional Rural Banks (RRBs) on October 2, 1975

Initially, five RRBs were set up on October 2, 1975 which were sponsored by:Syndicate Bank. State Bank of India. Punjab National Bank. United Commercial Bank. United Bank of India.

The banks provide credit to the weaker sections of the rural areas, particularly the small and marginal farmers, agricultural labourers, artisans and small entrepreneurs.

These refers to the banks that have their shares listed in Bombay Stock Exchange National Stock Exchange

Government of India holds its majority stake.

51% Shares areheld by Government of India 49 % Shares by other banks like SBI.

. It can also be termed as Government owned bank Since public decide who runs the government therefore it is called Public Sector Banks.

Private sector banks was practiced since the starting of banking system in India.

Induslnd was first private bank in India.

Government holds 49% of shares while 51% other banks.

Presented

by:-

Aditya Sharma (AIMA 2nd MODULE)