Professional Documents
Culture Documents
Bangalore, India
San Jose State University, USA
Summer Study Tour : July 24, 2008
Financial Services in India
Prof Chowdari Prasad
Flow of Presentation
Indian Rupee, US Dollar, Savings
Five Year Plans in India
Indian Financial System
RBI, SBI, Public, Private and Foreign Banks
Financial Sector Reforms – 1991, 1993 ….
WTO and Financial Services – 1995 …
Financial Savings & Market Share Data
Financial Services Products
References
Scheduled Banks
Commercial Banks Co-operatives
RRB's (96) & LABs (4)
Foreign Banks State
(29) CO-operatives
Urban (16)
Co-operatives
(52)
4. ANDHRA BANK
5. ALLAHABAD BANK
6. BANK OF BARODA
7. BANK OF INDIA
8. CANARA BANK
9. CENTRAL BANK OF INDIA
10. DENA BANK
11. INDIAN BANK
………………………………………
………………………………………
20. IDBI Bank
03/30/09 Financial Services : IFS 18
17 Old Private Sector Banks
Bank of Rajasthan 10. Lakshmi Vilas Bank
Catholic Syrian Bank 11. Nainital Bank Ltd
City Union Bank Ltd 12. Ratnakar Bank Ltd
Dev’ment Credit Bank
13. Sangli Bank Ltd
Dhanalakshmi Bank
14. SBI Comm’l & Int’l Bank
Federal Bank
J & K Bank Ltd 15. South Indian Bank Ltd
Karnataka Bank Ltd 16. TN Mercantile Bank Ltd
Karur Vysya Bank Ltd 17. ING Vysya Bank Ltd.
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* TIMES BANK (Since merged with HDFC Bank-2000)
** GLOBAL TRUST BANK (since merged with OBC – 2004)
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*** Centurion Bank and Bank of Punjab Ltd merger in 2005 (CBOP)
**** Lord Krishna Bank Ltd merged with CBOP in 2007
***** CBOP (with Lord Krishna Bank) merged with HDFC Bank in 2008
Credit Credit/
Deposits Total Business
Year (Rs. in Deposit
(Rs. in Crores) (Rs. in Crores)
Crores) Ratio (%)
Credit/
No of bank Deposits Credit
Geographical Segment Deposit
branches (Rs. In Crores) (Rs. In Crores)
ratio(%)
All India 70,711 25,98,823 19,49,567 75
Top 6 metros 6,795 11,89,536 11,03,937
93
(9.62%)* (45%) (56%)
Metro Centres 11566 14,52,599 12,88,833
88
(16.3%) (56%) (66%)
Top 100 Centres
17,578 17,89,500 15,08,095
(inclusive of metro 84
(24.8%) (68.8%) (77.3%)
Centres)
Urban Centres inclusive
24,215 19,83,868 16,04,999
of metro & other 81
(34%) (76%) (82%)
Centres
Semi-urban cenres 16,035 3,56,827 1,89,783
53
(22%) (13.7%) (9.73%)
Rural Centres 30,461 2,58,128 1,54,785
60
(44%) (10.3%) (8.1%)
03/30/09 Financial Services : IFS 30
Growth of Banking Industry over the last five and half years
Deposits Credit % of CD
No. of Branches
Geographica (Rs. in Crores) (Rs. in Crores) Ratio
l
Segment Sept. March Sept. March Sept. March Sept Mar
2001 2007 2001 2007 2001 2007 2001 2007
Top 100
Centres 14,86
17,578 5,95,794 17,89,500 4,27,630 15,08,095
(inclusiv 6 71 84
(24%) (59%) (68%) (75%) (77%)
e of (22%)
metros)
Urban
Centres 19,10
24,215 6,64,879 19,83,868 4,44,095 16,04,999
inclusive 9 66 81
(34%) (66%) (76%) (78%) (82%)
of metro (29%)
& others
Semi-urban 14,60
16,035 1,98,631 3,56,827 64,318 1,89,783
cenres 8 32 53
(22%) (19.6%) (13.7%) (11%) (9.7%)
(22%)
32,53
Rural 30,461 1,47,950 2,58,128 59,293 1,54,785
8 40 60
Centres (44%) (14.6%) (10.3%) (10.4%) (8.1%)
(49%)
03/30/09 Financial Services : IFS 31
ATMs
Electronic
Banking
Branch
Banking
Branch 3
Branch 2
Branch 1
Head Office
Branch 4
Branch 5
Branch n
Branch 6
Scheduled Banks
Commercial banks Co-operatives
RRB's (96)
Foreign Banks State
(29) CO-operatives
Urban (16)
Co-operatives
(52)
% of % of
Total % of
RURAL Total URBAN Total
No. HHs
HHs HHs
BRAZIL 83 MEXICO 35
CANADA 206 RUSSIAN 21
FEDERATION
CHINA 86 SOUTH AFRICA 185
FRANCE 110 INDIA 51
GERMANY 136 THAILAND 111
INDONESIA 47 TURKEY 57
55%
LAND
HOUSES
CATTLE
GOLD
NET DEPOSITS
45%
NET CLAIMS ON GOVT
LIC FUNDS
CURRENCY
SHARES