TOPIC - Comparative Study Between Nationalised,

Co-Operative, Foreign And Private Banks

Group No - 01
NAMES ROLL NO

SHRADDHA KADAM 14

SANKET PARAB 26

ANIL KUMAWAT 16

YATIN SALIAN 36

CHIRAG SHIROYA 43

BHAVESH PATIL 30

Date of Presentation - 25th August, 2019

 Nationalised Bank Co-operative Bank
● Meaning ● Meaning
● 20 nationalised and 8 SBI and associate ● 53 Schedule urban co-op bank and
banks in india. 31 state co-op Bank
● Why were these banks nationalised? ● Structure of co-operative Bank
● Is a SBI is nationalised Bank?

Introduction

Private Bank Foreign Bank

● Meaning ● Meaning
● 22 Private sector Bank and 4 Local area ● 41 Foreign Bank
private Bank ● Mode of entry
● Why new Bank in India?
 HISTORY
Nationalised Bank
● In 1949, during the early years of the country’s
independence, India’s central bank, the RBI
became the first bank to be nationalised.
● Most Indian banks at that time was privately
owned. Thus the Indian Government then
recognised the need to bring them under
Government control.
.
● Later on under SBI Act 1955 and July 19, 1960,
the 7 subsidiaries of SBI viz. SBH,
SBI,SBS,SBM,SBBJ, SBP, and SBT were also
nationalized with deposits more than 200 crores.
Co-operative Bank
● The history of Indian cooperative banking started
with the passing of Cooperative Societies Act in
1904.
● The Cooperative Societies Act, 1912 recognised
the need for establishing new organisations for
supervision, auditing and supply of cooperative
credit.
● These organisations were- (a) A union, consisting
of primary societies; (b) the central banks; and (c)
provincial banks.
 HISTORY
Private Bank
● Government policy in the 1990s, old and new
private sector banks have re-emerged.
● The private sector banks are split into two groups
by financial regulators in India, old and new.
● The old private sector banks existed prior to
nationalisation in 1968
● The new private sector banks are those that have
gained their banking license since the change of
policy in the 1990s.
Foreign Bank
● Foreign Bank in 1786 to 1935 there were about
18 foreign banks that had been faciliating the
trade of India- were called Exchange Bank.
● In 1935 to 1969 this was marked by the
establishment of RBI 1935.
● In 1969 to 1991 their share in total asset, deposit
mobilisation, any credit witnessed a decline.
● In 1991 onward the increases in FDI in banking
sector brought significant changes on the
structure of banking sector.
ABOUT NATIONALISED BANKS
• What is nationalised banks ?

● Reason
1. For social welfare

2. For developing banking habits

3. For expansion of banking sector

4. For controlling private monopolies

5. For Prioritizing sector lending

● Objective
1. To reduce monopoly practices

2. Adequate Social control

3. To reduce misuse of savings of general public

4. Greater mobilisation of deposits

5. Advance loan to agriculture sector

6. Greater control by the reserve bank

• Latest News
1. Over 6,000 officers of nationalised banks responsible for bad loans in 2018

2. NPA’s of Nationalised Banks

3. Upfront infuse of Rs.70,000/- crore capital

 About Co-operative banks
● Meaning
● Objective
1. To provide financial assistance (To weaker society)
2. Accepting Deposits and lending to the needy borrower.
3. Co-operative bank encourage saving and investment.

● Features and benefits:

1. Democratic Management
2. Government Control
3. Voluntary Organisation

● How they perform

1. Registered under State laws and primarily caters to rural poor and agriculturists.
2. Provide short term credit to agriculture by obtaining concessional rates by RBI.
3. Governed by Banking regulation act.
● Top Co-operative Banks

1. Saraswat bank

2. Cosmos bank

● Establishments:
1. Under the co-operative societies act of different states.

● News
1. Merger of Rupee bank and Maharshtra State Co-operative bank (2018 proposal submitted)

● Reason for being top

1. latest technology
2. Professional and modern management
3. Timely Payment of dividend
 PRIVATE
BANKS

● About Private sector Bank

● IMPORTANCE
1. Offering high degree of professionals
2. Creating healthy competition
3. Encourage foreign investment
4. Help to access foreign capital market
5. Helps to develop innovation and achieve expertise

● PURPOSE
1. Product innovation
2. Use of modern technology
3. Risk Management
4. Skill and efficiency of Human resources
5. CRM (Customer relationship management)

Thus in the developing economy like ours the private sector banks will help country grow
and prosper.
 COMPARISON – TOP 3 BANKS

BANK’S Branches ATMs Employees Total Assets (Rs)

Axis Bank 3703 13814 56617 6.9 lakh crores

HDFC Bank 4715 12260 88253 8.64 lakh crores

Kotak Mahindra Bank 1369 2163 33013 2.15 lakh crores

• Latest news

1. HDFC Bank remains bullish on cards business; sees no signs of slowdown – 23rd
August, 2019.
2. Axis Bank cuts MCLR across all tenors, Cuts repo rate by 35 basis points earlier this
month – 19th August, 2019.
 About Foreign Banks
● What is foreign bank?

A foreign bank is a type of International Bank that is obligated to follow the rules and policies of both the
home and host countries.

● Objective

1. Bring FDI in india

2. Increase efficiency of local banks
3. To promote capital investment
4. To provide long term capital

● Advantages
1. Huge market size and fast developing economy
2. Availability of diversified resources and cheap labor force
3. IT revolution
4. Openness towards FDI
 YES BANK
➢ FOUNDER : MR RANA KAPOOR AND MR ASHOK KAPUR
➢ CHAIRMAN: MR RAVNEET GILL
➢ Market Cap Rs 27476.23 CR
➢ Total Branches 1120
➢ Total ATM 1450+
 STATE BANK OF INDIA
➢ FORMERLY KNOWN : IMPERIAL BANK OF INDIA
➢ CHAIRMAN: MR RAJNISH KUMAR
➢ Market Cap: Rs 3.05 Trillion
➢ Total Branches 22010
➢ Total ATM 58415
THANK YOU