COMPARSION BETWEEN

FINANCIAL INSTITUIONS OF
INDIA AND NEW ZEALAND
COMPARISON
1.Regulatory Framework:
1. India: The Reserve Bank of India (RBI) is the central banking institution, overseeing monetary
policy and regulation of banks.
2. New Zealand: The Reserve Bank of New Zealand (RBNZ) is responsible for monetary policy and
prudential supervision of financial institutions.
2.Market Structure:
1. India: The banking sector in India is diverse, with a mix of public sector banks, private sector
banks, and foreign banks. The State Bank of India (SBI) is one of the largest public sector banks.
2. New Zealand: The banking sector is characterized by a smaller number of major banks, including
ANZ, ASB, BNZ, and Westpac. There is also a presence of smaller banks and credit unions.
3.Key Players:
1. India: State Bank of India (SBI), HDFC Bank, ICICI Bank, and Axis Bank are some of the major
players.
2. New Zealand: ANZ, ASB, BNZ, and Westpac are the four major banks dominating the market.
COMPARISON.
1.Financial Performance:
1. India: Banks in India have shown robust growth, with private sector banks often outperforming public
sector ones. NPA (Non-Performing Asset) management has been a significant focus for the sector.
2. New Zealand: The banking sector in New Zealand has been stable, with a focus on prudent lending
practices. Profitability and asset quality are crucial indicators.
2.Technological Adoption:
1. India: The Indian banking sector has seen significant advancements in technology, with widespread
adoption of digital banking, mobile payments, and online services.
2. New Zealand: New Zealand banks also emphasize technology, with a focus on digital services, online
banking, and mobile applications.
3.Regulatory Challenges:
1. India: The Indian banking sector has faced challenges related to NPAs, governance issues, and regulatory
reforms.
2. New Zealand: Regulatory challenges may include compliance with prudential regulations, ensuring
financial stability, and addressing issues related to market conduct.
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