FINANCIAL

INSTITUTIONS
 Financial Institutions

 Financial institutions are business

organizations that act as mobilisers and
depositories of saving. They provide
various financial services to the
community. They deal in financial assets
such as deposits, loans, securities.
 Indian Financial Institutions
Industrial Development Bank of India (IDBI)
Industrial Finance Corporation of India (IFCI)
Export - Import Bank of India (Exim Bank)
Industrial Reconstruction Bank of India (IRBI) now (Industrial Investment Bank of
India)
National Bank for Agriculture and Rural Development (NABARD)
Small Industries Development Bank of India (SIDBI)
National Housing Bank (NHB)
Unit Trust of India (UTI)
Life Insurance Corporation of India (LIC)
General Insurance Corporation of India (GIC)
Risk Capital and Technology Finance Corporation Ltd. (RCTC)
Technology Development and Information Company of India Ltd.(TDICI)
Tourism Finance Corporation of India Ltd. (TFCI)
Shipping Credit and Investment Company of India Ltd. (SCICI)
Discount and Finance House of India Ltd. (DFHI)
Securities Trading Corporation of India Ltd. (STCI)
Power Finance Corporation Ltd.
Rural Electrification Corporation Ltd.
Indian Railways Finance Corporation Ltd.
Infrastructure Development Finance Co. Ltd.
Housing and Urban Development Corporation Ltd. (HUDCO)
Indian Renewable Energy Development Agency Ltd. (IREDA)
The role of financial institutions
Financial institutions play a key role in funding, fuelling
and facilitating conflict and in abetting grand corruption in
natural resource-rich countries. Until their role is brought
to light, and their capacity to handle dirty money is
impeded, corruption - and the poverty and conflict that it
fuels - will continue.
 Global Witness investigates the role of financial institutions
in supporting corruption and conflict, and uses this
information to exert pressure on policy-makers, law-
enforcers and the financial industry itself to make the
global financial architecture more transparent, just and
accountable.
 Commercial banks
 These are the most important
disbursers of finance.commercial
banks are simple business on
commercial concerns which provide
various types of financial services to
customers in return for payments.the
main objective is to make profits.
 Role of commercial banks
 They delegate the task of monitoring
and negotiating debt contracts to
finincial intermediaries because the
tasks are costly and the
intermediaries are in better position
to reduce the cost.
 ICICI bank
 It was established in 1995,which
facilitated industrial development.
 It provided a wide range of services
including project finance, hybrid
financial services, corporate finance,
risk management tools as well as
advisory services.
 ROLE OF ICICI BANK
 Funding mergers and acquisitions .
 Provides medium term and long term
project.
 Provides wide range of services and
banking products to retail and
corporate customers.
 Affiliates the area of investment
banking.
 UTI BANK
 UTI Bank opened its doors in 1994 after India issued
licenses to private banks. The bank offers a full range of
services in retail, corporate and international banking,
treasury management, and merchant and investment
banking. The Mumbai-headquartered institution operates
469 branches and extension counters and a network of
more than 2,000 automatic teller machines.
 Co-operative bank
 Co-operative bank dates back to 1904
where it was established to solve the
problems peculiar to Indian conditions.
 Official efforts were initiated to create a
new type of institution based on the
principle of co-operative organization and
management.
 Role of co-operative banks
 Do business mainly on agricultural and rural
sector
 Belong to money market as well as capital
market
 Provide cheaper credit to the members
 Play a pivotal role in development of short
term and long term rural credit structure.
 Examples of co-operative
bank
 IDBI (Industrial development bank of
India)
 NABARD (National bank for
agricultural and rural development)
 NABARD
 National Bank for Agriculture and Rural Development
came into existence on July 12, 1982. It is established
for providing credit for the promotion of agriculture,
small scale industries, handicrafts and other allied
economic activities in rural areas with a view to
promote integrated rural development.
 These include cultivation of high value and low volume
crops, high-tech horticulture, precision farming, organic
farming, value addition through post-harvest
technology, biotechnology and export oriented
ventures. NABARD also provides R&D grants to develop
the need based technology to the Agriculture
Universities and other institutions.
 Role of NABARD
 Accelerates the process of technology
in agriculture
 Provides opportunities for self

employment to agricultural graduates

 Promotes investment in agriculture.

Creates support services required by

farmers.
 Industrial Development Bank of
India Ltd.(IDBI)
Industrial Development Bank of India (IDBI) is the tenth largest
bank in the world in terms of development. The National Stock
Exchange (NSE), The National Securities Depository Services Ltd.
(NSDL), Stock Holding Corporation of India (SHCIL) are some of the
institutions which has been built by IDBI. IDBI is a strategic
investor in a plethora of institutions which have revolutionized the
Indian Financial Markets.
IDBI Bank, promoted by IDBI Group started in November 1995 with
a branch at Indore with an equity capital base of Rs.1000 million.
 IDBI‘ s role

 As a catalyst to industrial development

encompasses a wide spectrum of activities.
finance all types of industrial concerns covered
under the provisions of the IDBI Act. With over
three decades of service to the Indian industry,
IDBI has grown substantially in terms of size of
operations and portfolio.
Thank you
for the
Patience Listening