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Banking SectorThe Promising future
Banking Sector Presented by: Zeeshan Shaikh Surya Rana PrashantVerma Parvaz Shaikh Tahaa Lokhandwala
Banking ,[object Object]
 A bank is a financial intermediary that accepts deposits and channels those  deposits into lending activities, either directly or through capital markets.
 Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location.
[object Object]
Public sector
Private sector
Foreign Banks
Cooperative Institutions :
Urban cooperative banks
State cooperative banks
Central cooperative banks,[object Object]
All-India Financial Institutions (AIFIs)
State Financial Corporations (SFCs)
State Industrial Development Corporations (SIDCs)
Nonbanking Financial Companies (NBFCs)
Capital Market Intermediaries,[object Object]
 Controls the monetary policy of the rupee as well as currency reserves
The main monetary authority of the country
The manager of exchange control
The bank issues and exchanges or destroys currency and coins not fit  for circulation
 1. State Bank of India Group: Largest state-owned banking and financial services company in India, by almost every parameter - revenues, profits, assets, market capitalization 131 Foreign offices in 32 countries across the globe 21000 ATMs and SBI group(including associate banks) has about 45000 no of ATMs 26500 branches, inclusive of branches that belong to its Associate banks 29th most reputed company in the world according to Forbes
2. Nationalized banks (19 banks):       In 1969, the Government arranged the nationalization of 14 scheduled 	commercial banks in order to expand the branch network, followed by six more in 1980                In contrast to the  state bank group, nationalized banks are centrally          Governed, i.e. by their respective head offices  List Of Nationalized Banks:
3. Regional Rural Banks (RRBs): ,[object Object]
As on 2006, there were 133 RRBs covering 525 districts with a network of 14,494 branches ,[object Object],[object Object]
In the early 1990  government embarked on a  policy of liberalization, licensing a small number of private banks ,[object Object],Global Trust Bank ,[object Object],[object Object]
  Liberalization along with the rapid growth in the economy of India, revitalized the banking sector in India
Then Housing Development Finance principle' approval from the HDFC became the first to receive an  invite from (RBI) to set up a bank  in the private sector
[object Object]
 For potential customers, the Bank provides a wide range of commercial and transactional banking services, including:Target market  Agri-based businesses Blue chip companies. Small & mid-sized corporate
Major private banks in India are:
Foreign Banks ,[object Object],Standard Charted Bank started its operation in 1858 and Citi Bank  opened its branch in India in 1902 ,[object Object],encouraged many international banks to open their shops here ,[object Object]
Foreign banks in India have brought the latest technology and new banking practices.  ,[object Object], and provide better customer service ,[object Object],[object Object]
3-6-3 Rule – An unofficial banking rule !! ,[object Object]
Banking industry of the 1950s, 1960s, and 1970s is often described as operating according to a 3-6-3 rule .
The rule basically explains:
How bankers would give 3% interest on depositors’ accounts
Lend the depositors money at 6% interest and
Then be playing golf at 3pmThis alludes to how a bank’s only form of business is lending out money at a higher rate than what it is paying out to its depositors. .

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