Documente Academic
Documente Profesional
Documente Cultură
BANKING SYSTEM
BY
ROHIT PANDEY
PRAGYA BHARDWAJ
SHIVALIKA BHARTI
AVNEET KAUR
Beginnin
g of
institutio
nal
banking
with 3
joint
stock
banks
Nationalisa
tion of
Imperial
Bank and
20 other
SCBs
Acceptan
ce of
recomme
ndations
of
Narasimh
am
committe
Phase 4
continue
s. More
Liberalis
ation
expecte
d
Hike in FDI
ceiling for
banking
sector and
declaration
of
roadmap
for
Liberalisati
on
PHASE 1
PRENATIONALISATION
PHASE
PHASE 2
ERA OF NATIONALISATION AND
CONSOLIDATION
PHASE 3
INTRODUCTION OF INDIAN
FINANCIAL AND BANKING SECTOR
REFROMS AND PARTIAL
LIBERALISATION
PHASE 4
PERIOD OF INCREASED
LIBERALISATION
Introduction of deposit
banking and bank
branches.
Presidency banks and
other joint stock banks
formed setting the
foundation of modern
system
SBI banking
formed out
of Imperial
banks.
20 SCBs nationalised in two
phases.
Introduction of Social banking.
Act,1934.
Apex body of Indian banking system
Headquarter in Mumbai
Indias monetary authority
Supervisor of financial system
Issuer of currency
Banker to bank
Banker to government
Maintains financial stability
SCHEDULED BANKS
Scheduled banks are those banks
whose name appears in the 2nd
schedule of Reserve Bank Of India
Act, 1934.
NON-SCHEDULED BANKS
Non-scheduled banks are those
banks whose name doesnt
appear in the 2nd schedule of
Reserve Bank Of India Act, 1934.
SCHEDULED BANKS
Definition:
Scheduled Banks in India are those banks which have been
Commerci
al banks
Cooperative
banks
COMMERCIAL BANKS
They are the banks mainly deal with commercial banking
operations like acceptance of deposits and granting loans to
the public. They are mainly classified into four:-
Public sector banks are those banks in which the government has the major
holdings.
All the nationalized banks and regional rural are public sector banks.
Examples:
Bank Of Baroda
Syndicate Bank
Vijaya Bank
economic reforms and financial sector reforms are called NEW PRIVATE
SECTOR BANKS.
New banks are strategic in their thinks and operations.
Examples:
South Indian Bank
ICICI
HDFC
Axis bank etc.
3. FOREIGN BANKS
A foreign branch bank is a type of foreign bank that is obligated to follow the
capital , foreign banks can provide more loans than subsidiary banks.
For example ;suppose the State Bank Of India opens up a foreign branch bank in
America. The branch would be legally obligated to follow both the Indian and
American regulations .
Examples:
Citi Bank
HSBC
Deutsche Bank
Standard Chartered Bank
CO-OPERATIVE BANKS
A bank that holds deposits , makes loans or
CO-OPERATIVE
BANKS
URBAN COOPERATIVE
BANKS
STATE COOPERATIVE
BANKS
These banks, till 1996, were allowed to lend money only for non-agricultural purposes.
This distinction does not hold today. These banks were traditionally centred around
Examples:
Brief History
Started as Bank of Calcutta later renamed as Bank of Bengal
Associate banks
State
Bank of
Indore.
State
Bank of
Travancor
e
State
Bank Of
Bikaner
and
Jaipur
State
Bank Of
Hyderab
ad
State
Bank of
Patiala
State
Bank Of
Mysore
Services
Services
Internet Banking
Mobile Banking
ATM Services
Demat Services
Service Charges and Fees
Aadhaar Seeding
Cash Deposit Machine
August 1996.
The Local Area Banks (LABs) are small private banks,
conceived as low cost structures which would provide efficient
and competitive financial intermediation services in a limited
area of operation, i.e., primarily in rural and semi-urban areas,
comprising three contiguous districts
Scope of activities
These LABs are restricted to operate maximum in
three districts.
They will be extending loan facility to agricultural
requirements, agro-trade, agro-industrial
accomplishments, non-husbandry accomplishments
etc.
These banks will observe the priority sector lending
target at 40% of Net Bank Credit as other banks do.
Capital
The minimum paid up capital of LABs shall be Rs. 5
IDFC BANK
IDFC Bank Ltd. is an Indian banking company with
Bhandhan Bank
Bhandhan Bank Ltd. is an Indian banking and financial
Small Banks
The purpose of the small banks will be to provide a
REGULATION
The firms must have a capital of 100 crore (minimum
Payment Banks
New stripped-down type of banks, which are expected
INTERACTIVE SESSION
Ques. 1 How Imperial bank was formed ?
Ques. 2 What is RBI Act ?
Ques. 3 Explain the Demat Service provided
by SBI.
Ques. 4 Under which section of RBI act
scheduled banks are mentioned ?
Ques. 5 Minimum paid up capital for LAB ?
THANK YOU