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Pest Analysis

Pest Analysis

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Published by rayjay9966

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Published by: rayjay9966 on Nov 13, 2009
Copyright:Attribution Non-commercial

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08/15/2013

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PEST ANALYSIS
PEST analysis of any industry investigates the important factors that affectthe industry and influence the companies operating in the sector. PEST standsfor Political, Economic, Social and Technological analysis. The PEST Analysis isa tool to analyze the forces that drive the industry and how those factors caninfluence the industry.
 
POLITICAL
GOVERNMENTPOLICY & BUDGECT
BUDJECTMEASURES
MONATORY POLICY
FDI LIMIT
ECONOMICAL
GDP
MONSOON
INFLATION
SAVINGS &ACCOUNTS
AGRICULTURECREDIT
INTERESTRATES
RAISING LIVINGSTANDRED
DISPOSABLEINCOME
SOCIOCULTURAL
CHANGES INLIFE STYLE
LITERACYRATE
DEMOGRAPHICOF LARGEPOPULATION
SHIFTTOWARDS THENUCLEAR
LEGAL
RESERVE BANK OFINDIA ACT
BANKINGREGULATION ACT
TECHNICAL
TECHNOLOGY INBANKS
CORE BANKINGSOLUTIONS(CBS)
ATM
INTERNATE
I.T SERVES ANDMOBILE BANKING
Organization
 
POLITICAL FACTORS
Government and RBI policies affect the banking sector. Sometimeslooking into the political advantage of a particular party, the Government declaressome measures to their benefits like waiver of short-term agricultural loans, toattract the farmer’s votes. By doing so the profits of the bank get affected.Various banks in the cooperative sector are open and run by the politicians. Theyexploit these banks for their benefits. Sometimes the government appointsvarious chairmen of the banks.Various policies are framed by the RBI looking at the present situation of the country for better control over the banks.
FOCUS ON REGULATIONS OF GOVERNMENT
Indian Banking is least affected as compare to other developed economywhich is attributed to Reserve Bank of India for its robust policy framework,stricter prudential regulations with respect to capital and liquidity. This gives Indiaan advantage in terms of credibility over other countries.Government affects the performance of banking sector most by legislatureand framing policy .government through its budget affects the banking activitiessecuritization act has given more power to banking sector against defaultingborrowers.

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