Indian Banking Industry

  • ID: 4020
  • January 2001
  • Region: India
  • 53 pages
  • Scope eKnowledge Center Pvt Ltd
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The Indian Banking industry, which is governed by the Banking Regulation Act of India, 1949 can be broadly classified into two major categories, non-scheduled banks and scheduled banks. Scheduled banks comprise commercial banks and the co-operative banks. In terms of ownership, commercial banks can be further grouped into nationalized banks, the State Bank of India and its group banks, regional rural banks and private sector banks (the old/ new domestic and foreign). These banks have over 67,000 branches spread across the country.

The first phase of financial reforms resulted in the nationalization of 14 major banks in 1969 and resulted in a shift from Class banking to Mass banking. This in turn resulted in a significant growth in the geographical coverage of banks. Every bank had to earmark a minimum percentage of their loan portfolio to sectors identified as “priority sectors”. The manufacturing sector also grew during the 1970s in protected environs and the banking sector was a critical source. The next wave of reforms saw the nationalization of 6 more commercial banks in 1980. Since then the number of scheduled commercial banks increased four-fold and the number READ MORE >

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<P>BACKGROUND 6<BR>Segmentation of the Industry 6<BR>Increased Competition- The Order Of The Day 7<BR>Public Sector Banks –Still The Mainstay 8<BR>Evolution of the Industry 8<BR>The Role of the Central bank In India 9<BR>Importance Of The Sector 9</P>
<P>GLOBAL SCENARIO 10<BR>Interest Rate Scenario-Global And Its Effects In India 10<BR>Recent Crises 11<BR>Indian Players abroad 13</P>
<P>GOVERNMENT POLICIES 14<BR>Narasimham Committee Report II- The Second Phase of Reforms 14<BR>Verma Committee Report on Weak Banks 16<BR>Reduction of PPF and Small Savings Rates- Continuation of Reforms 16<BR>Bank Equity Dilution To 33.0 percent 17<BR>Capital Market Exposures Norms And Implications 17<BR>Bank Exposure Limits To Individual Corporates And Business Groups 18<BR>Rationalization Of Foreign Direct Investment (FDI) norms 18<BR>Highlights Of The New Guidelines To Set Up Banks 19<BR>New Guidelines On Income-Recognition For Banks 19<BR>Multiple Banking Ground Rules 19<BR>RBI Tightens Bullion Trading Norms For Banks 20<BR>Net Banking Norms 20<BR>Union Budget 2001-02 20<BR>Stance of Monetary Policy for 2001-02 21<BR>Implications Of The Major Government Policies 23</P>
<P>CURRENT SCENARIO 24<BR>Performance Of Major Macro Indicators 24<BR>Market Size In Terms of Deposits And Credit 25<BR>Financing the Government 27<BR>Performance Of Major Segments In Fiscal 2001 29<BR>Sectoral and Industry-wise Deployment of Gross Bank Credit (Changes) 30<BR>Trends in rural and urban lending. 30<BR>Segment-wise Analysis of Performance and Strategies 31<BR>Subsidiaries Of Banks And Their Role 40<BR>Important Indicators in Banking 41<BR>Asset Related Ratios 43<BR>Recent Trends 45<BR>Narasimhan Committee report- On M&amp;A 47</P>

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