Professional Documents
Culture Documents
INDUSTRY PROFILE
INTRODUCTION
History
Indian Banking Industry originated in the first decade of 18th country as
The General Bank of India came into existence in the year 1786. And
then later Bank of Hindustan was started. The India’s oldest bank which
is in existence is the State Bank of India being established as ‘The Bank
of Bengal’ in Calcutta in June in the year 1806. A couple of decades later
in the year 1850 the foreign banks like Credit Lyonnais started their
operations in Calcutta. Calcutta was the most active trading port at that
time which was during the British Empire, due to these reasons the
banking activity took roots there and prospered. In the year 1865, the
first fully Indian owned bank was established in Allahabad.
Indian banking industry has recently witnessed the roll out of innovative
banking models like payments and small finance banks. RBI’s new
measures may go a long way in helping the restructuring of the domestic
banking industry.
The digital payments system in India has evolved the most among 25
countries with India’s Immediate Payment Service (IMPS) being the only
system at level 5 in the Faster Payments Innovation Index (FPII).
Market Size
Investments/developments
1. Accepting Deposits
The bank collects deposits from the public. These deposits can be
of different types, such as :-
Saving Deposits
Fixed Deposits
Current Deposits
Recurring Deposits
a. Saving Deposits
b. Fixed Deposits
c. Current Deposits
d. Recurring Deposits
a. Overdraft
b. Cash Credits
c. Loans
1. Agency Functions
Transfer of Funds
Collection of Cheques
Periodic Payments
Portfolio Management
Periodic Collections
Other Agency Functions
a. Transfer of Funds
The bank transfer funds from one branch to another or from one
place to another.
b. Collection of Cheques
d. Portfolio Management
The banks also undertakes to purchase and sell the shares and
debentures on behalf of the clients and accordingly debits or
credits the account. This facility is called portfolio management.
e. Periodic Collections
The bank collects salary, pension, dividend and such other periodic
collections on behalf of the client.
b. Locker Facility
The bank provides a locker facility for the safe custody of valuable
documents, gold ornaments and other valuables.
c. Underwriting of Shares
e. Project Reports
Government Initiatives
Achievements
Type Private
ISIN US40415F1012
Website www.hdfcbank.com
Vision
To be customer driven best managed enterprise that enjoys market
leadership in providing housing related finance.
Mission
HDFC banks mission is to be “a world class Indian Bank”. Benchmarking
themselves against international standards and best practices in terms of
product offerings, technology, service levels, risk management and audit
& compliance.
2. Axis Bank
ISIN INE238A01034
Vision
To emerge as a “best practices bank” by pursuing global benchmarks in
profitability, operational efficiency, asset quality, risk management and
expanding global reach.
Mission
Customer service and product innovation tuned to diverse needs of
individual and corporate clientele.
Continuous technology up gradation while maintaining human
values.
Progressive globalization and achieving international standards.
Efficiency and effectiveness built on ethical practices.
3. ICICI BANK
Type Public
BSE: 532174
Traded as
NSE: ICICIBANK
NYSE: IBN
BSE SENSEX Constituent
CNX Nifty Constituent
ISIN INE090A01021
Website www.icicibank.com
Vision
To be leading provider of financial services in India and a major global
bank.
Mission
Play a proactive role in the full realization of India’s potential.
Maintain a healthy financial profile and diversify our earnings
across business and geographies.
CHAPTER:-03
LITERATURE REVIVEW
1. Abel, E.E. (2011) the researcher conducted research “The study
on Non- Performing assets in selected panel data from 19 out
of a total of 25 banks operating in Nigeria. In year 2011. The
main objective Exacerbated by the inability of banks to optimally
use their huge assets capacity to enhance their earnings profiles.
The results showed excess liquidity syndrome and relatively huge
capital bases fuelled reckless lending by banks; and that increase
in the level of unsecured credits in banks’ portfolios ironically
helped to mitigate the level of NPA. The data were collected in the
period from 2004-2008. It multivariate constant coefficient
regression model is adopted as the estimation technique tools were
used for analysis. A multivariate constant coefficient regression
model is adopted as the estimation technique. Based on the
analysis, it is found that deterioration in asset quality and
increased credit crisis in the Nirerian banking industry between
the periods 2004 and 2008 were exacerbated by the inability of
banks to optimally use their huge asset capacity to enhance their
earnings profiles.