BANKING INDUSTRY

PRESENTED BY TEAM 5
ABOUT THE BANKING INDUSTRY
Banking in India originated in the last
decades of the 18th century

Plays a positive role in Economic

Development

This sector is sufficiently capitalised and

well-regulated

Innovative banking models like

payments and small finance banks have
recently rolled out
HISTORICAL BACKGROUND
PRE-INDEPENDENCE PERIOD(1786-1947)
The East India Company had established three banks: Bank
of Bengal, Bank of Bombay and Bank of Madras and called
them the Presidential Banks

POST-INDEPENDENCE PERIOD(1947-1991)
All the major banks of the country were led privately which
was a cause of concern as the people belonging to rural
areas were still dependent on money lenders for financial
assistance

LIBERALISATION PERIOD(1991-Till Date)

Setting up of branches of the various Foreign Banks in
India and also various small finance banks were allowed to
set up in India

MAJOR PLAYERS IN THIS INDUSTRY

HDFC BANK STATE BANK OF INDIA AXIS BANK

KOTAK MAHINDRA BANK ICICI BANK

IMPACT OF COVID-19 PANDEMIC
Decline in revenue generation Stress on net interest income

Requirement of additional provisioning Higher costs

WHAT'S HAPPENING IN THIS INDUSTRY

Google Pay for Business has enabled small

merchants to access credit

India Ratings maintains stable outlook on

banking sector in FY22

The number of bank accounts opened under the

government’s flagship financial inclusion scheme
seem to be surging

Kotak Mahindra Bank becomes 1st scheduled private

sector bank to collect direct and indirect taxes
 WAY FORWARD
Lessons from the pandemic

Bold moves for an uncertain

futureBanking with a purpose

Banking with a purpose

Digitalization and customer

engagements

Cyber Risk
THANK YOU