PRESENTATION OF MANAGERIAL ECONOMICS ON

Banking sector in India

Presented by:- Akash Yadav Preeti Jhalkare Ram kumar Rathore Rohini Gop Shweta Mishra

INTRODUCTION OF BANKING SECTOR

Originated in 18th century in India The first bank was The General Bank of India in 1786 Then the other was Bank Of Hindustan in 1790. The oldest bank in India is the State Bank of India which was originated from Calcutta in june 1806. In 1921 there were three banks who merged together to form a single bank called Imperial Bank of India they were:1.Bank of Bengal 2.Bank of Bombay 3.Bank of Madras

2010-2011

2008-2009
1921-30 1990-2000 2006-2007

OVERALL SCENERIO(budget view)

Credit Rates:- Decreased due to financial crises in 2008-09
RBI revised rates increased the rate of interest by 13.9% against 22%.
In 2009-10 the baking growth rate was better then the previous year performance. The public bank perform better then other private and foreign bank in terms of growth. The 2010 was termed to be the best year in form of growth of aggregate deposits.

 Domestic Depository Rate:- In last three year the rate decline

which was offered by public bank in India. In 2008-2009 it decline from 9.25 to 8.00% In 2000-2010 it decline from 9% to 7.50%

Lending Rate:- The benchmark of lending rate is increased from

12.25 to 13.50% in 2008 and in 2009 from 11.50 to 14.00%. It is estimated that the rate will decrease further in 2010-11 by there previous rates.

Housing loan:- Bank were advised that loan provided to housing

financial companies to the individual should not exceed 20 lakhs in 2010.

Kisan credit card scheme:- 8.25lakh provide by bank for KCCS

in2009.

PERFORMANCE OF BANK IN 20092010

The performance of Schedule Commercial Bank in 2009-10 was expanded by 21.2% as compared by its previous years by 25%. Public sector bank maintained growth of momentum. Foreign banks and private banks registered deceleration in the growth rate. The growth rate in industrial lending and individual lending decreased. The growth of bank in lending to the agriculture is increased.

MAJOR PLAYERS IN BANKING SECTOR

RBI( Reserve bank of india)

Public banks

Private banks

Regional rural bank

MARKET SHARE OF BANKS IN INDIA

Market share

10% 10%

RBI Public Banks

60%
20%

Private Bank Coopera tive bank

SERVICES OF BANKS
In year 2008: Customer care services launched. Launched through mobile in form of SMS. It was launched by ICICI bank.

In 2009: ATM machines launched Some extra services has also been launched. Like mobile banking, mobile accounting, mobile brokerage.

In year 2010: revised rate of interest by Vijay bank from 10.25% to 10.65%

 Union bank and Nokia has been rollout for mobile payment. Vacancies for student by banks. FBI has passed a stastical report of bank crime in India in 2010.

In year 2011: Syndicate Bank launched a Rainbow Package CASA campaign on September 1st in 2011.

RBI guidelines on failed ATM transaction and free ATM transaction.

ATM related problems will be settled within 7 days.

5 free transaction from any other banks

SERVICE FLUCTUATION

TOTAL REVENUE FLUCTUATION

year total revenue(in crores) 2008 3007.25 -09 2009 1741.78 2010 2010 2748.71 -11

ANALYSIS
Opinion if we are manager?
SLR and CRR ratio should decreased Capital adequacy ratio has to be increased Inspection by the team of banking employees Latest technology has to be update time to time

Transparency in transactions of banks.

Individuals savings should be properly inspect.