PR ESENTAT I ON ON

INDIAN
BANKING
 INDIAN BANKS
THE I NDI AN BAN K I N G I NDUS TRY
I S ONE OF T H E L ARG E S T I N THE
WOR LD. I T I S C OMPRI S ED O F A
DI VERSE RA N G E OF BAN K S ,
I NCLUDI NG PUBL I C S E C TO R
BAN KS, PRI VATE S E C TO R BA NK S ,
FOR EI GN BA N K S , AN D
COOPERATI VE BAN K S . THES E
BAN KS PRO VI DE A WI D E RA NGE
OF FI N ANCI AL S E RVI C E S .
THE I NDI AN BAN K I N G I NDUS TRY
I S R EGULATE D BY TH E RES ERV E
BAN K OF I NDI A ( RBI ) , W HI CH S ETS
POL I CI ES AND S TAN DARDS FO R
THE S ECTOR.
INDIAN

BANKING

SYSTEM
 PUBLIC SECTOR
BANKS
INDIAN PUBLIC SECTOR BANKS ARE A GROUP
OF BANKS THAT ARE OWNED AND OPERATED
BY THE GOVERNMENT OF INDIA.
THESE BANKS PLAY A KEY ROLE IN THE
COUNTRY'S ECONOMY BY PROVIDING A RANGE
OF FINANCIAL SERVICES. THESE BANKS ARE
KNOWN FOR THEIR WIDE REACH AND
EXTENSIVE NETWORK OF BRANCHES, WHICH
MAKES THEM AN IMPORTANT SOURCE OF
FINANCIAL SERVICES. IN MANY PARTS OF THE
COUNTRY, ESPECIALLY IN RURAL AND
UNDERSERVED AREAS.
 CURRENT STATE OF PUBLIC
SECTOR BANKS
THE PSU BANKS HAVE RECORDED CLOSE TO ₹ 1.7
TRILLION IN LOSSES BETWEEN DECEMBER 2015 AND JUNE
2018, MORE THAN 80% OF ₹ 2.11 TRILLION CAPITAL
INFUSION THAT THE GOVT HAS ANNOUNCED. THIS ALSO
EXCEEDS.
THE PUBLIC SECTOR BANKS ARE LOSING MARKET SHARE
TO THEIR PRIVATE PEERS. SINCE THEY ARE BACKED BY
THE SOVEREIGN, THE DEPOSITORS ARE STILL KEEPING
MONEY WITH THEM BUT MANY PSU BANKS ARE TURNING
INTO NARROW BANKS—INVESTING IN GOVERNMENT
SECURITIES INSTEAD OF GIVING LOANS.
 problem with PSU banks
1 AT THE MANAG E ME N T LEV EL, THERE I S A LA R GE
BUR EAUCRA TI C S YS TE M .

2 CUS TOMERS RE C E I VE LES S P ERS O NA LI Z ED S ERVI CE.

THERE HAVE BE E N FAR TO O M A NY CO M P LA I NTS ABO U T

3 THE EMPLO YE E S ' POOR S ERV I CE.

THE MAJOR I TY OF PUBLI C-S ECTO R BA NK S A RE EM BR O I L ED

4
I N MAJOR C ORRUPTI ON S CA NDA LS .

5 BAN KS I N T H E PUBL I C S ECTO R S P END A LO T OF M O N EY O N

FI N ANCI AL OPE RATI ONS .
 SOLUTION
Advance data Artificial intelligence
analytics
CAN HELP THEM THESE TECHNOLOGIES
BETTER UNDERSTAND COULD BE USED TO
THEIR CUSTOMERS AUTOMATE ROUTINE
NEEDS AND TASKS. SUCH AS
PREFERENCES. AS WELL
FRAUD DETECTION
AS IDENTIFY TRENDS
AND LOAN
AND PATTERNS IN
THEIR FINANCIAL UNDERWRITING AND
BEHAVIOUR. HELP TO PROVIDE MORE
OFFER MORE EFFICIENT AND
PERSONALIZED AND EFFECTIVE SEVICE TO
TARGATED PRODUCT CUSTOMERS
AND SEVICE
BBA 5 TH SEME S TE R

R ahul si ngh & t e a m