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Progress in Banking Sector due to Monetary Policy in 2007-08,[object Object],Presented by,,[object Object],ParitoshGupte P-10,[object Object],Supriya Joshi P-13,[object Object],RohitMundhara P-21,[object Object],Aditi Sabaria C-31,[object Object],RakeshLalwani C-19,[object Object]
Banking Structure in India,[object Object]
Reserve Bank Of India,[object Object],Central Bank of India,[object Object],Established on April 1, 1935,[object Object],Owned by the Government of India,[object Object],Recommended by Hilton Young Commission,[object Object],To secure monetory stability,[object Object],Started with a paid up share capital of 5 crore,[object Object],The Central Office in Mumbai.,[object Object]
Functions of RBI,[object Object],Regulates the issue of currency,[object Object],Exchange Management and Control,[object Object],Statutory Bank of Government,[object Object],Exerts Credit Control,[object Object],Banker’s Bank,[object Object],Action against Erring banks,[object Object],Overall promotion of Commercial Banks,[object Object]
Monetary Policy,[object Object],Monetary policy is one of the tools that a national Government uses to influence its economy. Using its monetary authority to control the supply and availablity of money, a government attempts to influence the overall level of economic activity in line with its political objectives. Usually this goal is "macroeconomic stability",[object Object]
Objectives of Monetary Policy,[object Object],Economic Growth,[object Object],Full Employment,[object Object],Price Stability,[object Object],Exchange rate stability,[object Object],Equilibrium in the BOP,[object Object],Developing Banking & Financial Institutions,[object Object]
Instruments of Monetary policy,[object Object],Quantitative,[object Object],Open Market operations,[object Object],Bank rate policy,[object Object],Cash Reserve ratio ,[object Object],Statutory Liquidity Requirement ,[object Object]
Instruments of Monetary policy,[object Object],Qualitative,[object Object],Credit Ceilings,[object Object],Provision of Minimum Margin requirement,[object Object],Discriminating interest rates,[object Object],Issue of Directives,[object Object]
Major areas covered by Monetary Policy ,[object Object]
Highlights,[object Object],Monetary Policy,[object Object], 2007-08,[object Object]
Economy,[object Object],Price stability and well-anchored inflation expectations while ensuring a monetary and interest rate ,[object Object],Renewed focus on credit quality and orderly financial markets conditions in securing macroeconomic conditions,[object Object],GDP growth projection for 2007-08 at around 8.5 per cent,[object Object]
Economy,[object Object],Inflation to be contained close to 5.0 per cent during 2007-08,[object Object],M3 expansion to be contained at around 17.0-17.5 per cent,[object Object],Deposits projected to increase by around Rs.4,90,000 crore,[object Object],Adjusted non-food credit projected to increase by around 24.0-25.0 per cent,[object Object]
Monetary Measures,[object Object],Scheduled banks required to maintain CRR of 6.5 per cent with effect from the fortnight beginning April 28, 2007.,[object Object]
Financial Markets,[object Object],A ‘Non-Competitive Bidding Scheme’ in the auctions of State Development Loans (SDLs),[object Object],Average cut-off yield on 182-day Treasury Bills to be used as a benchmark rate for floating rate bonds,[object Object]
Financial Markets,[object Object],Revised reporting framework on overseas investments for monitoring capital flows,[object Object],The limit for portfolio investment abroad in listed overseas companies by listed Indian companies enhanced from 25 per cent of net worth to 35 per cent of networth,[object Object],The aggregate ceiling on overseas investment by mutual funds to be increased from US $ 3 billion to US $ 4 billion,[object Object]
Credit Delivery Mechanism,[object Object],The risk weight on loans up to Rs.1 lakh against gold and silver ornaments to be reduced to 50 per cent from the existing level of 125 per cent,[object Object],RRBs to be allowed to take up corporate agency business, without risk participation, for distribution of all insurance products,[object Object],A credit guarantee scheme for distressed farmers to be introduced.,[object Object]
Credit Delivery Mechanism,[object Object],An evaluation of the bank – self help group (SHG) linkage programme to be conducted through the regional offices of the Reserve Bank with a view to ascertaining the degree of transparency in maintaining the accounts by the SHGs and their adherence to well-accepted best practices,[object Object],The boards of banks are advised to lay down internal principles and procedures so that usurious interest, processing and other charges are not charged.,[object Object]
Regional Rural Banks,[object Object],“To combine the local feel and familiarity enjoyed by the co-operatives with the degree of business organization as well as the ability to mobilize deposits characteristic of commercial banks”,[object Object],RRB's declined from 196 in March'05 to 91 in March'08 operating in 25 states across 586 districts with a network of 14,790 branches.,[object Object], The total number of RRB's, declined to 88 as on August'08.,[object Object],RRB's credit-deposit ratio increased from 56% to 60.3% in March'08.,[object Object]
Recapitalization of RRB's,[object Object], In Union budget 2007-08 it was announced that RRB's with negative net worth  would be recapitalized in phased manner.,[object Object], In July'07, out of 96 RRB's 29 had negative net worth amounting to Rs.1857 cr.,[object Object], After July'07, 2 RRB's with negative net worth were merged with 2 other RRB's of the same state and sponsored by the same banks. ,[object Object], Amount required for recapitalization was at Rs.1796 crores.,[object Object],[object Object]
  629 crores – Sponsored banks  (35%)‏
  898 crores – Government of India  (50%)‏,[object Object]
Financial Performance of RRB’s,[object Object],RRB's : Consolidated B/S,[object Object],2006 – 07 (96 RRB’s),[object Object],2007 – 08 (90 RRB’s),[object Object]
RRB'sIncome Statement as on 31st March'08,[object Object],2006-07 (96 RRBs)‏,[object Object],Net Income Rs.7663 Cr,[object Object],Expenditure Rs.7038 Cr,[object Object],Net Profit Rs.625 Cr,[object Object],Net NPA Rs.3.46 Cr,[object Object],2007-08 (90 RRBs)‏,[object Object],Net Income Rs.9195 cr,[object Object],Expenditure Rs.7766 cr,[object Object],Net Profit Rs.1374 cr,[object Object],Net NPA Rs.3.02 Cr,[object Object]
Co-Operative Banks,[object Object],Enlarges the reach of institutional credit both from geographic and socio-economic perspective.,[object Object],Important instrument for achieving greater financial inclusion ,[object Object],Focus on revitalisingand strengthening the co-operative banking sector in India.,[object Object],The no. of UCBs declined from 1,813 at end-March 2007 to 1,770 at end-March 2008.,[object Object]
Some of the Developmentsin Co-operative Banks,[object Object],Granting of branch licenses to be considered to well-managed and financially sound Urban Co-operative banks (UCBs) ,[object Object],The existing relaxed prudential norms applicable to Tier I and Tier II UCBs to be extended by one year.,[object Object],Allow UCBs to undertake insurance business as corporate agents.,[object Object]
Commercial Banks,[object Object],Consolidation,[object Object],Interest margins,[object Object],Loans and advances moderated,[object Object],Banks investment in govt. security,[object Object],Deposit growth moderated,[object Object]
Commercial Banks,[object Object],Banks borrowing increased,[object Object],International liability ,[object Object],Priority sector advances declined,[object Object],Agricultural lending policy,[object Object],Financial performance,[object Object]
Summary,[object Object],Commercial Banks,[object Object],Affected by Macroeconomic and RBI policy,[object Object],Less credit creation,[object Object],Affecting all the sectors except services,[object Object],Deposits growth was strong ,[object Object]
NPA,[object Object],NPA,[object Object],An asset, including a leased asset, becomes non performing when it ceases to generate income for the bank.,[object Object],Banks should, classify an account as NPA only if the interest charged during any quarter is not serviced fully within 90 days from the end of the quarter.,[object Object],	Any amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank.,[object Object]
NPA,[object Object],As on March 2009,[object Object],As on March 2008,[object Object]
NPA,[object Object],Net NPA,[object Object]
NPA,[object Object],Reversed declining Trend,[object Object],High Credit Growth,[object Object],Hardening of Interest rates,[object Object],More in Private Sector & Foreign Banks,[object Object]
NPA,[object Object]
Capital Adequacy Ratio,[object Object],It refers to the minimum capital to be raised in relation to risk assets.,[object Object],Increase in CAR raises the public confidence.,[object Object]
Capital Adequacy Ratio,[object Object]
Securitisation,[object Object],Securitisation is the process of pooling and repackaging of homogenous illiquid financial assets into marketable securities that can be sold to investors.,[object Object],Securitisation has emerged as an important means of financing in recent times.,[object Object],2008-09,[object Object],2007-08,[object Object]
Performance of ,[object Object],Banking Sector ,[object Object]
Performance of Banking Sector ,[object Object],Resources Raised through Public Issue,[object Object]
Capitalization,[object Object]
Comparison,[object Object]

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Progress In Banking Sector Due To Monetory Policy

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  • 20. 629 crores – Sponsored banks (35%)‏
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Hinweis der Redaktion

  1. Sub-standard asset:An asset which has remained NPA for a period less than or equal to 12 months.Doubtful Assets:An asset which has remained in the substandard category for a period of 12 monthsLoss Assets:A loss asset is one where loss has been identified by the bank or internal or external auditors or the RBI inspection but the amount has not been written off wholly
  2. During 2007-08, scheduledcommercial banks, both in the public andprivate sectors, raised significantly higherresources from the domestic primary marketas compared with the previous year.In view of goodperformance of banking scrips in thesecondary market, strong financial results ofbanks, the need to raise capital in the face ofthe ensuing Basel II norms and tightening ofprudential norms
  3. Slowdown in GDP growth, particularly industrial growth and sharp rise in domestic inflation appeared to have adversely affecting the bankingstocks.Banking sector stock also came under pressure due to concerns over the global financial turmoil.