EMERGING TRENDS IN INDIAN BANKING Introduction:

Key-Success Factor Ability to develop human organizational capital Increase the revenue of the customers

Key- Challenges Focus of Product Service Attributes

Key 3 factors /Competence Developing human capital aspects Developing Informational capital, capturing data base network & Analytical, Applications. Focusing on knowledge,teamwork,length &breath of the organization

Present Banking industry Scenario: Total deposits- more than 51 Lakh crore Total Credit- 41 Lakh crore 70% of the business with public sector banks 85000 branches,81 banks Credit deposits Ratio (CD)- 72-73% Banking Industry support the economic growth average is 3.3 Return on Assets Cost Income ratio 48% which is decreasing

Indian Banks: Withstand the financial meltdown 2008 Capital Adequacy Ratio of Indian Banks-13% Continue and also restructured many of the accounts Continue the business even in the financial meltdown -2008 Non- performing Assets decreased- 1.87% CAGR (Capital adequacy growth ratio ) increased 21% Balance sheet & productivity become efficient.

Challenges faced by Indian Banking: Growth in infrastructure How to cover the financial inclusion of the country- how to make it cost efficient model Reorganize the HR in the banks Capital requirements of Banks Deposits service level must be improve.(e.g. Bank of India-3750 branches,SBI more than 10000 branches)

SESSION-I

1. Banking2020- Challenges and Opportunities Ahead

Speaker: Mr.S.Mohanty Key Facts: A market of 1 billion consumer gives scope to the banking - 1 billion consumer cost of Retail loans - Housing 40 trillion of rupees in 2020 Wealth Management -Deals in specific products - Would play a significant role in driving the economy as expected that 1 billion Of customers would come up with Low cost and operational efficiency. Imbiding the technology Data base and data warehousing Improve SME (Small medium enterprise) Segments

It has been said that 40% of income are from fee base service. Investment banking would grow up to 10 times. Challenges 40% of retirement of staff. Banking sector need a huge recruitment in future Capital would be major threats to the banks due to credit expansion Inclusive Growth: Bringing the rural population.

2. Emergening Trend in SME financing in India

Speaker: Mr.S.S.Acharya (SIDBI Bank) Contribution to SME or now MSME-(Micro small- medium enterprise) Balance development Value creation with intrigation of world economy Quality creating Systematic willingness Provide high return lower risk in comparison to corporate loan. SDBI introduce SME rating agencies ISTCL Bank was set up by SDBI

3. Credit Management Speaker: R.C. Pradhan (Andhra Bank) Focus on resources in the form of deployable funds such as: Capital Reserve Deposits 40% on primary lending

Process of Credit Management: Credit Investigation Credit needs Pricing Documentations (negotiable instruments) Delivery

Cash flow is the very essential aspects of credit management.

SESSION-II

4.Social Banking Emerging Trend Speaker: Mr. N. Panda (UCO Bank) Mainly focuses on Rural Lending In the year year 1987 servisory approach to each bank i.e. each village would be looked after by a particular bank. It is said that in India only 47% of the countrys population have their bank account. And 5057% doesnt have their bank account The policy was made that all the village with 2000 population must be covered by the banks. BC Models Bank on lease Banking corresponding Model Breek &Motor models

The difference between financial Inclusion and Financial Inclusion Plan FINANCIAL INCLUSION: Each village one bank FINANCIAL INCLUSION PLAN: Through 3 models an account is opened and at least operation of 3-4 transaction would be made. Deposits Withdrawal Remittance Insurance

5. Qualities /Ingredients to become a good bankers

Speakers: Mr. V. Dubey (ICICI Bank) Passion Consistency On-Talk always to the customers Relish Compliance with consence Constantly understand the need of the customers Being Dynamic Sensitive Innovative Anticipate what your competitors do Set-bench Marks Build structure,system,process Leverage your tools

6. Evaluation of Banks in India

Speaker: Mr. H.S. Patra (Indian Overseas Bank) Focuses on evolution of banking system in India

7. Quality Service provided by the Banks Speaker: Cyrus Sathpathy (CITI Bank) Focus on Quality Service Expected the expectations of the consumers