Sector Overview On Indian Banking Industry: BY Bhausaheb

Sector Overview on Indian
Banking Industry
BY
Bhausaheb
Bank ?
Banking?
THE STRUCTURE OF INDIAN BANKING SECTOR

Source:
http://www.ibef.org/industry/banking-
india.aspx
EVOLUTION OF THE INDIAN BANKING SECTOR
Source:
india.aspx
Functions of R.B.I
Banker to Government
Bankers bank
Issuer of currency
Regulator to banking industry
Custodian of Cash Reserves of Commercial Banks
Custodian of Countrys Foreign Currency Reserves
Lender of Last Resort
Controller of Credit
Source:
https://en.wikipedia.org/wiki/Reserve_Bank_of
_India:_Working_and_Functions
Policy Rates, Reserve Ratios, Lending and Deposit Rates as of 05 April 2016
Rate In %
Bank Rate 7.00
Repo Rate 6.50
Reverse Repo Rate 6.00
Cash Reserve Ratio (CRR) 4.00
Statutory Liquidity Ratio 21.50
Savings Deposit Rate 4.00
Source:https://en.wikipedia.org/wiki/Reserve_
Bank_of_India
How Bank Earns?
Depositors
Gets 4-5%
Borrowers
Pays 10-18%
How Bank Earns?
The banks lend money to customers at a
higher rate than they pay to depositors or than
they borrow it. The difference, known as the
margin or turn, is kept by the bank. For
example, if a bank pays 1% interest on
deposits, they may charge 6% interest on
loans.
Members Numbers
Public Sector Banks 22
Private Sector Banks 25
Associate banks of SBI 5
Foreign Bank 45
Co-operative Banks 43
Source:http://www.iba.org.in/viewme
mbanks.asp?id=3
Key Player in Indian Banking Sector
Public sector banks Private banks

Allahabad Bank Axis Bank
Development Credit Bank
SBI & Associates
Dhanalakshmi Bank
Bank of Baroda
Federal Bank
Bank of India
HDFC Bank
Bank of Maharashtra
ICICI Bank
Canara Bank
IndusInd Bank
Central Bank of India Kotak Mahindra Bank
Corporation Bank Lakshmi Vilas Bank
Dena Bank Nainital Bank
UCO Bank Karnataka Bank
Syndicate Bank Karur Vysya Bank
Oriental Bank of Commerce South Indian Bank
Punjab & Sindh Bank Tamil Nadu Mercantile Bank
Punjab National Bank Source:http://www.iba.org.in/viewme
Yes Bank
mbanks.asp?id=3
Key Player in Indian Banking Sector
Foreign Banks Cooperative Banks

HSBC Abhyudaya bank
TJSB bank
Citibank
Janata Sahakari Bank
DBS bank ltd.
Deutsche bank Cosmos bank
Doha bank SVC bank
Sonali bank Saraswat bank
Barclays PMC bank
BNP Paribas Source:http://www.iba.org.in/viewme
mbanks.asp?id=3
FDI'S impact on Banking Sector
Currently, the government permits 74% FDI in private banks, with up to

49% allowed under the automatic route.
FDI in banking sector can solve various problems of the overall banking
sector. Such as
a) Innovative Financial Products.
b) Technical Developments in the Foreign Markets
c) Problem of Inefficient Management
d) Non-performing Assets
e) Financial Instability
f) Poor Capitalization
g) Changing Financial Market Conditions
Foreign Holdings
Advantage India
Source:
NOTABLE TRENDS IN THE BANKING
INDUSTRY SECTOR
Improved risk management practices
NOTABLE TRENDS IN THE BANKING
INDUSTRY SECTOR
KYC
New Age banking
PORTERS FIVE FORCES ANALYSIS
Source:
GROWTH DRIVERS OF INDIAN
BANKING SECTOR
Source:
GROWTH DRIVERS OF INDIAN
BANKING SECTOR
Source:
FINANCIAL INCLUSION PLAN
Source:
Lets make
money simple
Introduction
Kotak Mahindra group, established in 1985 by Uday Kotak, is an Indian
financial services conglomerate.
It offers a wide range of banking products and financial services for
corporate and retail customers through a variety of delivery channels.
Kotak Mahindra Bank has a network of 1250+ branches and over more
than 1900ATMs spread across 639 locations in the country with more than
41k employees.
After acquiring ING Vysya bank, Kotak become the fourth-largest
private bank in the country in terms of total business. The biggest three
are ICICI Bank, HDFC Bank and Axis Bank, in that order
1985
Timeline
Kotak Mahindra Finance Limited commences bill discounting
business
1987 Kotak Mahindra Finance Limited enters leasing and hire purchase
business
1990 Starts the auto finance division for financing passenger cars
1991 Launches investment banking business
Launches mutual fund through Kotak Mahindra Asset Management

1998 Company (KMAMC).
2001 Launches insurance business, partnersOld Mutualfrom
South Africa to formKotak
Mahindra Old Mutual Life Insurance Lt
Kotak Mahindra Finance Ltd. (KMFL), the group's flagship company,
2003 receives banking license from the Reserve Bank of India (RBI). With
this, KMFL becomes the first non-banking finance company to be
converted into a commercial bank - Kotak Mahindra Bank Ltd.
Kotak Mahindra Group realigns joint venture in Ford Credit
2005 takes 100% ownership of Kotak Mahindra Prime and sells its
stake in Ford credit Mahindra to Ford.
2005 Launches a real estate fund
2006 Buys out GoldmanSachs equity stake in Kotak Mahindra Capital

Company and Kotak Securities Ltd
2008 Launched a Pension Fund under India's National Pension System(NPS)
Kotak Mahindra Bank Ltd. Opens a representative office in Dubai

2009 Kotak Mahindra Bank Ltd.becomes anchor investor in Ahmedabad
Commodities Exchange(ACE)
2015 ING Vysya Bank has merged with Kotak Mahindra Bank with effect
from 1 April2015
Source:https://en.wikipedia.org/wiki/K
otak_Mahindra_Bank
Financial Momentum
Source:Kotak Annual Report 2014-

2015
Source:Kotak Annual Report 2014-2015
#Kona kona kotak

Products & Services
Savings Accounts
Current Accounts
Corporate Salary Accounts
Jifi Account
Term Deposits
Kotak 3-in-1 Account
Safe Deposit Lockers
FATCA
Kotak Cards
Debit Cards
Credit Cards
Kotak Net card
Best Compliment Cards
Kotak Multi Currency World Travel Cards
Kotak Loans
Personal loans
Home Loans
Loan Against Property
Education Loan
Tractor Finance
Rural Auto & Farm Equipment Finance
Home Improvement Loans
Home Loan Balance Transfer
Gold Loans
Commercial Vehicle Finance
Loan Against Securities
Construction Equipment/Infrastructure Finance
Convenience Banking
Net banking
Mobile Banking
Phone Banking
ATM Network
Hashtag Banking
Kotak Payment Gateway
Insta Balance Service
SMS Banking
Cash Deposit Machine
Investment and Insurance
Demat
Mutual Funds
Life Insurance
ASBA
National Pension System
STP
Segment
SWOT
S W
O T
Q&A
How many branches in Pune?
Coordination between branches?
CBS?
Working hours?
Number of Employees?
Sales employees?
Targets ?
Competition?
Retaining customers?
Customer satisfaction?
Employee satisfaction?
Products & Services

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Sector Overview on Indian

Bank Rate 7.00

Repo Rate 6.50

Reverse Repo Rate 6.00

Cash Reserve Ratio (CRR) 4.00

Statutory Liquidity Ratio 21.50

Savings Deposit Rate 4.00

Public Sector Banks 22

Private Sector Banks 25

Associate banks of SBI 5

Public sector banks Private banks

Foreign Banks Cooperative Banks

Currently, the government permits 74% FDI in private banks, with up to

1991 Launches investment banking business

Launches mutual fund through Kotak Mahindra Asset Management

2005 Launches a real estate fund

2006 Buys out GoldmanSachs equity stake in Kotak Mahindra Capital

2008 Launched a Pension Fund under India's National Pension System(NPS)

Kotak Mahindra Bank Ltd. Opens a representative office in Dubai

Source:Kotak Annual Report 2014-

Source:Kotak Annual Report 2014-2015

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