Professional Documents
Culture Documents
Banking in next 5 to 10 years in India Changes in Customer Offerings, Service Models, Outsourcing and Impact of Technology
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Products & Services of a Bank through segmentation : Personal / Corporate / SME / NRI / International / Agricultural customers
DEPOSITS
Current Accounts & Savings Accounts (CASA) Recurring Deposits / Fixed Deposits/ Others
ADVANCES
Cash Credit, Demand Loans, Term Loans, etc Car Loan, Educational Loan, Housing and Gold Loans
OTHER SERVICES
Safe Deposit Lockers, Safe Custody, PMS, Collections
INVESTMENTS
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Types of Banks
State Bank of India & Associates (SBH, SBM, SBT, SBP, SBBJ) Public Sector Banks (14 + 6 -1 + 1 IDBI Bank) + BMB (2013*) Old Private Banks (13) + New Private Banks (7) Foreign Banks in India (limited branches / staff/operations)
Number
6 21 20 43
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06 07 08 09 10
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4 64 43 1,563 93,551
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Type of Banks
ASCB
Nationalised Banks State Bank Group Old Private Sector Banks New Private Sector Banks Foreign Banks
Rural
26,493
17,036 7,088 1,069 1,292 8
SemiUrban
25,009
13,539 6,015 2,332 3,113 10
Urban
19,027
11,320 3,760 1,514 2,368 65
Metropolitian
18,033
10,585 3,318 1,132 2,749 249
Total
88,562
52,480 20,181 6,047 9,522 332
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10 Core Banking
13 Central Banking 16 E-Banking 19 Faceless Banking 22 Home Banking 25 Investment Banking 28 Islamic Banking
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11 Corporate Banking
12 Correspondent Banking
14Developmental Banking 15 Door Step Banking 17 Eco-Friendly Banking 20 Giri Giri Banking 23 International Banking 26 Inter-State Banking 29 Inclusive Banking
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18 Ethical Banking 21 Green Banking 24 Internet Banking 27 Innovative Banking 30 Lazy Banking
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31 Lean Banking 34 Narrow Banking 37 Palm Top Banking 40 Pigmy Banking 43 Retail Banking
46 Shadow Banking
49 Transaction Banking
47 Sustainable Banking
50 Universal Banking
48 Tele-Banking
51 Unit Banking
52 Video Banking
55 Wholesale Banking
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53 Virtual Banking
56 Womens World Banking
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54 Village Banking
Social? Micro? Gold / Tab / FB / Community / Rural Banking???
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IT & DEVELOPMENTS
ALPMs CLEARING HOUSE CAR,CRR,SLR,PS,NPAs CREDIT/DEBIT CARDS NICNET,I-NET, RABMN INFINET, RBINET BANKNET, NDS, SFMS MICR, ATMs, SWIFT DEMAT, IT ACT-2000 INTERNET BANKING ECS, EFT, SEFT, RTGS CROSS SELLING Interest Rate Deregulation
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ALM & RM, MIS CRM, KYC Core Banking Solutions KISAN /SME CARD CREDIT INFO BUREAU DISASTER MANAGEMENT Cheque Truncation CYBER CRIMES HACKING, PHISHING, VISHING, PHARMING, TROJAN, SKIMMING, ETC SMART CARDS Anti Money Laundering?
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8. White-labelled ATMs 9. Brown-labelled ATMs 10. And now..Talking ATMs (for blind in Canada : Oct 22,1997) from UBI in Ahmedabad in Sept 2012; -50 by NCR at Indias Passport Offices!
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List of Applicants for New Banking Licences-2 10. INMACS Management Services Ltd 11. Janalakshmi Financial Services, MFI 12. JM Financial, for Citi Group CEO Mr Vikram Pandit be non-executive Chairman 13. LIC Housing Finance, unit of LIC of India 14. L&T Finance Holdings, Engineering company 15.Magma Fincorp, NBFC 16. Muthoot Finance gold loans company 17. Reliance Capital Reliance Group AA
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List of Applicants for New Banking Licences-3 18. Religare Capital, of Singh Bros; Fortis Health 19. Shriram Capital, Shriram Group / Transport 20. Smart Global Ventures 21. SREI Infrastructure Finance 22. Suryamani Financing Co 23. Tourism Finance Corp of India 24. UAE Exchange India foreign exchange services 25. Value Industries of Video Industries Withdrawn: Mahindra / Tata / SKS Microfinance
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Banking Tomorrow
Basel III compliance and capital requirements NPA management to maintain global standards Nachiket Mor Committee recommendations GOI moves / Financial Inclusion efforts Aadhar Card link to all Bank Accounts Credit and Debit Cards to increase Mobile Banking / ATM usage to increase Profitability / Productivity / Cost effectiveness
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Export Credit Guarantee Corporation of India Agriculture Insurance Company of India Ltd( GIC Re (Public Sector Re-insurance company)
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Health Insurance
Upcoming segment Caters to 10 per cent of overall US$ 30 bn healthcare expenditure Life Insurance contributes about 4 per cent to Indias GDP in terms of total premiums written LIC has about 71 per cent market share General Insurance grew by 19.6% in May-June13
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