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Financial Institutions of India
Financial Institutions of India
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FINANCIAL INSTITUTIONS :
FINANCIAL INSTITUTIONS BY - NEHA SINGHAL
FINANCIAL INSTITUTIONS :
FINANCIAL INSTITUTIONS The Indian financial system can broadly classified into the following groups:- Organized sector; & Unorganized sector. The organized financial system comprises the: banking system, the co-operative system, development banking system, money markets, financial companies/institutions. The unorganized financial system comprises if moneylenders, indigenous bankers, lending pawnbrokers, landlords, traders, etc. investment companies, chit fund, etc. the central bank or govt. does not regulate these in a systematic manner.
HISTORY :
HISTORY The journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: Early phase from 1786 to 1969 of Indian Banks. Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms. New phase of Indian Banking System with the advent of Indian Financial & Banking Sector Reforms after 1991.
APEX BANKING INSTITUTES Established in 1935; Monopoly on issue of banknotes; The governments banker & the bankers bank (lender of last resort); Manages countrys foreign exchange & gold reserves; Regulation & supervision of banking industries; Manages inflation in a the country; etc. Established on 9th July 1988 under the National Housing Bank Act,1987; Issue directions to housing finance institutions to ensure their growth on sound lines; Make loans & advances and render any other form of financial assistance to scheduled banks and housing finance institutions; etc. Various HFCs are as follows:- SRG Housing Finance Ltd. raj(Udaipur); GE Money Housing Finance-delhi; Haware's Housing Development Finance Corporation Ltd. maharashtra; Inara Housing Finance Limited.-gujrat; etc. RBI-RESERVE BANK OF INDIA NHB-NATIONAL HOUSING BANK
COMMERCIAL BANKS :
COMMERCIAL BANKS A commercial bank is a type of financial intermediary; Issuing bank drafts and bank cheques; lending money by overdraft, installment loan, or other means; safekeeping of documents and other items in safe deposit boxes; merchant banking; It provides Loan options that include secured loans, unsecured loans, and mortgage loans; etc.
banking company as defined in clause (c) of section 5 of the Banking Regulation Act, 1949 (10 of 1949), which is not a scheduled bank. SCHEDULED & NON-SCHEDULED BANKS OF INDIAN
COMMERCIAL BANKS :
COMMERCIAL BANKS Lack of well trained & efficient employees; Inadequate capital & deposits; Neglecting rural areas; Low profitability; Political & administrative interference; etc.
Recruitment of well educated & efficient employees; Effective bank management; Increase in capital & other resources; Branch expansion in rural areas; Increasing profitability; Least political & administrative interference; Effective internal Audit, inspection & management; Review & updated banking laws; etc. PROBLEMS REMEDIAL MEASURES
Slide 15:
Export-Import Bank of India is the premier export finance institution of the country, set up in 1982 under the Export-Import Bank of India Act 1981; Government of India launched the institution with a mandate, not just to enhance exports from India, but to integrate the countrys foreign trade and investment with the overall economic growth. IDFC is Indias leading financial institution at the forefront of developing infrastructure through its presence across financing, advisory, investment banking, development and asset management functions related to the sector. EXIM BANK IDFC INFRASTRUCTURE DEVELOPMENT FINANCE COMPANY LTD.
Slide 17:
Since its inception IFCI Venture has provided the start-up capital and venture funding to over 400 entrepreneurs. Venture Capital provides long-term, committed share capital, to help unquoted companies grow and succeed. Difference between VC and private equity: Private equity refers to equity or quasi-equity investments in high-growth companies and includes buyouts, mezzanine financing, privatization and public as well as private deals.
Slide 18:
The private equity asset class includes venture capital, buyouts, and mezzanine investment activity. venture capital focuses on investing in private, young, fast growing companies, private equity players largely provide mezzanine or bridge funding What kind of businesses are
attractive to venture capitalists: Venture capitalists prefer to invest in "entrepreneurial businesses". This does not necessarily mean small or new businesses.
Slide 21:
TFCI provides financial assistance to enterprises for setting up and/or development of tourismrelated projects, facilities and services. TFCI has also provided high-quality research and consultancy services to the tourism industry in general and to the investors in tourism industry in particular TFCI's range of activities in the Consultancy Division covers tourism-related studies, surveys and project-related services TFCI is truly 'Helping Tourism Grow' by taking proactive steps in providing financial assistance for the growing industry and thereby improving its own margin, profitability and other important financial parameters
CO-OPERATIVE BANKS :
CO-OPERATIVE BANKS Co-operative banks is a mutual society formed, composed and governed by working people themselves by encouraging regular saving and granting small loans easy term of interest and repayment.
NABARD :
NABARD The National Bank for Agriculture And Rural Development (NABARD) is an apex development bank for promotion of agriculture , small scale industries, cottage industries, handicrafts, and agricultural credit, other allied activities in rural areas. NABARD was established on 12-07-1982 (NABARD Act ,1981 )
Slide 26:
There are three main functions: CREDIT functions DEVELOPMENT functions REGULATORY functions
FUNCTIONS OF A CCB :
FUNCTIONS OF A CCB To fulfill All types of Credit needs of PACS, such as S.T., M.T. and L.T Commercial Banking Functions: Accepting Deposits from Public and Granting various types of loans including overdraft facility. Collection of Cheques, Bills, Advancing loans to Individuals & other Cooperative Societies.
Objective :
1. promote the development of agriculture and 2. increase the agricultural production. The 3.CLDBs provide long-term finance to PLDBs affiliated to them or finance directly through their branches. Objective
Slide 35:
Primary Land Development Banks (PLDB) These are at district level with branches at taluka level These banks were originally organized to cover one or a few taluks in the district. At present they are eligible to cover one development block.
Slide 36:
State Land Development Bank. All primary Land Development Banks are federated into Central Land Development Bank at the State Level. In some States, there is Unitary structure wherein,
there is only one State Land Development Bank at the state level operating through its branches and sub-branches at district and below levels.
INVESTMENT BANKS :
INVESTMENT BANKS
Slide 39:
It has assets estimated of US$ 211.34 billion LIC deals in three products:- Life insurance Mutual funds Pension
Slide 43:
On 24 February 2010, Axis Bank announced the launch of 'AXIS CALL & PAY on atom', a unique mobile payments solution using Axis Bank debit cards. Axis Bank is the first bank in the country to provide a secure debit card-based payment service over IVR
controlling and carrying on the business of general insurance or non-life insurance; Initially, GIC had four subsidiary branches, namely, National Insurance Company Ltd , The New India Assurance Company Ltd , The Oriental Insurance Company Ltd and United India Insurance Company Ltd . But these branches were delinked from GIC in 2000 to form an association known as 'GIPSA' (General Insurance Public Sector Association).
DEVELOPMENT INSTITUTIONS :
DEVELOPMENT INSTITUTIONS
Slide 54:
It was established in the year 1957 by the Government of India to strengthen the export promotion drive by covering the risk of exporting on credit. Provides a range of credit risk insurance covers to exporters against loss in export of goods and services. Offers guarantees to banks and financial institutions to enable exporters to obtain better facilities from them. Provides Overseas Investment Insurance to Indian companies investing in joint ventures abroad in the form of equity or loan. Insurance bank deposit is intended to give a measure of protection to depositors, particularly the smaller depositors, from the risk of loss of their savings arising from bank failures. Establishment of DIC came in the wake of certain bank failures in fifties & early sixties and consequent efforts to restore the confidence of the depositing public in the banking system by safeguarding their interests. ECGC DICGC
FUTURE IS BRIGHT :
FUTURE IS BRIGHT The Information Technology (IT) is becoming an important component of the banking sector. The customers have become more demanding and they need value added services from the banks. The foreign banks have raised the expectations of the customers causing the bank to invest strongly on IT. The Indian banks have started to meet the expectations of the people by opening both onsite and offsite ATMs. Banks have also started telebanking, anytime/anywhere banking, mobile banking and Internet banking to give the facilities to the customers.
CONCLUSION :
CONCLUSION Banking Sector in India is likely to undergo a major change. This change will be in the form of mergers and acquisitions and takeovers. The State Bank of India may merge all its associate banks with itself to make a one bank. The banks based in South India may look for a bank in North India to have presence in North. Similarly banks in North may look for banks in South to increase its area of operations. Consolidation will be the key to the banking sector in future.
THANK YOU :
THANK YOU
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