JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY

ISSN: 0972-7175
AN OVERVIEW OF BRANCHES AND ATMS OF COMMERCIAL BANKS IN INDIA

Dr.C.PARAMASIVAN Assistant Professor of Commerce

G. RAVICHANDIRAN Ph.D. Full Time Research Scholar
PG & Research Department of Commerce Thanthai Periyar Government Arts and Science College
(Autonomous) Tiruchirappalli - 620023.

ABSTRACT
Banking sector play a key role in economic development of the nation which help to accelerate
money from one place to other and also facilitate industrial and rural development in the regional places.
The banking sector worldwide is becoming more determined strategically besides making enormous
advancement in technology. This is helping them to meet customer expectations while also defending
market share against growing competition. Customers taste and demands are changing frequently due to
technological development. The banks were finding it difficult to participate with the international banks
in terms of the customer service without the use of the information technology and computers. The use of
the modern innovation and computerization of the banking sector of India has increased many folds after
the economic liberalization of 1991 as the country's banking sector has been visible to the world's market.
This paper made an attempt to explore an overview of branches and ATM of commercial banks in India
KEYWORDS: Banking sector, economic liberalization, customer expectations, rural development, on
site and off site ATM, Innovative practices.

INTRODUCTION
The worldwide banking sector is becoming both more intentionally determined and
technologically superior to respond to consumer expectations while trying to protect market share against
an increasing arrangement of competitors. A great deal of prominence is being placed on digitizing core
business processes and reassessing organizational structures and internal talent to be better prepared for
the future of banking. Business innovation practices are unavoidable in banking industry due to
technological development and global competition. Introduction of new and appropriate services will
attract the customers which will help to retain and sustain in the markets. The pace of development for the
Indian banking industry has been incredible over the past era and the future growth of India’s banking
sector will remain high. India’s financial services sector will enjoy generally strong growth during coming
years, determined by rising personal incomes, corporate restructuring, financial sector liberalization and
the growth of a more consumer-oriented, credit-oriented culture. Therefore every commercial bank
attempts to implement innovative services, process and methods to establish themselves as a consistent
competitor industry. But due to certain constrains, commercial banks particularly public sector banks fail
to introduce innovation in practice. With this aspect there is a need of understanding branches and ATMs
of the banking sector in India.

REVIEW OF LITERATURE
Gunaseelan.S., & Kalaiselvi.K. (2021). Commercial bank branch and its importance at this
economic juncture from reviewing previous studies, commercial banks and national inflations and the real
growth of .The authors have revealed that commercial banks are playing the important role in the financial
inclusion are obviously understood by the authors.
Deshmukh.M.S., & Rupesh Pawar. (2016). The scheduled commercial banks play a very
important role in the growth and development of the economy. It provides finance and credit to rural
people by opening branches in backward areas.

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ISSN: 0972-7175
Chhemanand Joshi. (2019). In Nepalese context location of ATM has higher relationship with
customer satisfaction. Availability of cash has highest impact on customer satisfaction. The rapid growth
in use of ATMs in Nepal provides opportunities to the banks in innovative service for strategic advantage.
Jathurika.M. (2018). This research has been completed with the two important objectives that are
to identify the impact of branches nationwide on performance of listed commercial banks in Sri Lanka
and to identify the relationship between the branches nationwide and the performance.
Nyi Lwin. (2019). Revealed that the service quality determinant is not a better instrument to
measure service quality for Private Commercial Banks. Customers have higher satisfactions than what
they experience from Private Commercial Banks even though the difference is not significant.
Gabriel Asante-Gyabaah., & et al. (2015). the impact of the ATM in delivering service in the
banking industry in Ghana. The study provided some evidence that the ATM has now been accepted by
customers in the industry as it has gained a positive impact on service delivery to customers.
Wondwssen Anberbir Demisse., & Uma Devi.M. (2021). the efficacy of ATM service in the
banking service case of the Ethiopian Commercial Bank Bale Goba branch. The study's target
demographic is customers of the Ethiopian Commercial Bank's Bale Goba branch, with an emphasis on
the bank's 1400 ATM users.
Jean Bosco Hareliman. (2018). Automated teller machines (ATM) and profitability of
commercial bank was conducted in this paper under a period from 2010 to 2016 with the aim of assessing
the use of ATM and its contribution to the profitability in bank of Kigali.
Baktiar Mahmud., & et. al. (2015). Automated Teller Machine (ATM) is perceived to offer
considerable benefits and challenges both to the banks and their customers, yet these are rarely empirically
investigated. The study was conducted in purposively selected eight ATM location points of four banks
in Dhaka City, Bangladesh.
Emeka E. Okafor., & Favour N. Ezeani. (2012). The study has provided significant and
empirical insights into the access, utilization, benefits and challenges of the ATM by bank customers in
Ibadan metropolis. It is important to note that most of the people using the machine are young person.
Table No-1 : Year Wise Branches of Public Sector Banks
Branches
Sl.No Years Semi- CAGR
Rural Urban Metropolitan Total
Urban
1 2010-11 20,387 15,978 13,569 12,277 62,211
2 2011-12 22,188 17,773 14,248 13,257 67,466
3 2012-13 24,124 19,554 15,080 13,903 72,661
4 2013-14 25,356 20,108 16,200 14,001 75,665
5 2014-15 26,350 21,623 16,800 15,453 80,226
3.52%
6 2015-16 27,736 24,306 17,250 17,230 86,522
7 2016-17 29,033 25,647 17,890 18,875 91,445
8 2017-18 29,201 25,397 17,677 18,546 90,821
9 2018-19 28,800 24,599 16,975 17,486 87,860
10 2019-20 28,921 24,586 17,030 17,355 87,892
Source: Consolidated Annual Reports of RBI
Table No-1 Indicates that year wise branches of Public Sector Banks in India. In the year of 2010-
11, there are 62211 branches of Public Sector Banks of which 20387 branches were located in Rural,
15978 branches in Semi Urban, 13569 branches in Urban and 12277 branches in Metropolitan were
located, in 2019-20, there are 87892 branches of Public Sector Banks of which 28921 branches were
located in Rural, 24586 branches in Semi Urban, 17030 branches in Urban and 17355 branches in

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ISSN: 0972-7175
Metropolitan were located. Compound Annual Growth Rate of year wise branches of Public Sector Banks
indicates 3.52 per cent during the year 2010-11 to 2019-20.
Chart No-1 : Year Wise Branches of Public Sector Banks
2010-11

11% 8% 2011-12
8% 2012-13
11% 2013-14
9%
2014-15
11%
10% 2015-16

11% 2016-17
10%
11% 2017-18
2018-19

Table No-2 : Branches of Public Sector Banks – 2019-20

Branches
Sl.
Name of the Bank Rural Semi-urban Urban Metropolitan
No Total
Number % Number % Number % Number %
1 Allahabad Bank 1,198 37.77 753 23.74 631 19.89 590 18.60 3,172
2 Andhra Bank 735 25.57 759 26.91 668 23.24 712 24.77 2,874
3 Bank of Baroda 2,933 30.93 2,520 26.58 1,864 19.66 2,165 22.83 9,482
4 Bank of India 1,836 36.54 1,455 28.96 802 15.96 931 18.53 5,024
5 Bank of Maharashtra 615 33.55 429 23.40 331 18.06 458 24.99 1,833
6 Canara Bank 1,824 38.53 2,002 42.29 1,231 26.00 1,272 19.96 6,329
7 Central Bank of India 1,606 34.53 1,336 28.72 819 17.61 890 19.13 4,651
8 Corporation Bank 589 24.22 793 32.61 519 21.34 531 21.83 2,432
9 Indian Bank 741 26.17 835 29.49 627 22.15 628 22.18 2,831
10 Indian Overseas Bank 909 27.93 960 29.50 671 20.62 714 21.94 3,254
11 Oriental Bank of Commerce 559 23.59 625 26.37 602 25.40 584 24.64 2,370
12 Punjab and Sind Bank 569 37.29 278 18.18 355 23.26 324 21.23 1,526
13 Punjab National Bank 2,585 39.39 1,720 26.21 1,211 18.45 1,046 15.94 6,562
14 State Bank of India 7,864 35.53 6,444 29.12 3,949 17.84 3,875 17.51 22,132
15 Syndicate Bank 1,256 30.90 1,157 28.47 821 20.20 830 20.42 4,064
16 UCO Bank 1,075 34.98 818 26.62 610 19.85 570 18.55 3,073
17 Union Bank of India 1,246 29.10 1,297 30.30 849 19.83 889 20.77 4,281
18 United Bank of India 781 39.01 405 20.23 470 23.48 346 17.28 2,002
Total 28,921 32.90 24,586 27.97 17,030 19.38 17,355 19.75 87,892
Sources: Report of TPBII 2019-20.
Table No-2 Indicates that Branches of Public Sector Banks in India. As regards Allahabad Banks,
there are 3172 branches as on 2019-20, of which 1198(37.77%) branches in Rural area, 753(23.74%)
branches in Semi Urban area, 631(19.89%) branches in Urban area and 590(18.60%) branches in
Metropolitan area as on 2019-20, on the whole, there are 87892 branches of Public Sector Banks in 2019-
20, of which 28921(32.90%) branches in Rural area, 24586(27.97%) branches Semi Urban area,
17030(19.38%) branches in Urban area and 17355(19.75%) branches in Metropolitan area as on 2019-20.
Chart No-2 : Branches of Public Sector Banks-2019-20

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JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
25,000 22,132

20,000

15,000
9,482
10,000
6,329 6,562
5,024 4,651 4,0643,0734,281
5,000 3,1722,874 1,833 2,4322,8313,2542,3701,526 2,002
0

Total

Table No-3 : Year Wise ATMs of Public Sector Banks

ATMs
Sl.No Years CAGR
On-site Off-site Total
1 2010-11 29,795 9,692 39,487
2 2011-12 34,012 24,181 58,193
3 2012-13 40,241 29,411 69,652
4 2013-14 51,230 30,390 81,620
5 2014-15 58,460 40,200 98,660
10.53%
6 2015-16 67,360 51,723 1,19,083
7 2016-17 86,545 62,010 1,48,555
8 2017-18 83,259 61,839 1,45,098
9 2018-19 78,419 57,679 1,36,098
10 2019-20 78,484 56,379 1,34,863
Source: Consolidated Annual Reports of RBI
Table No-3, Indicates that year wise ATMs of Public Sector Banks in India. In the year 2010-11,
there are 39487 ATMs of Public Sector Banks, of which 29795 are in on-site and 9692 are in off-site, In
the year 2019-20, there are 134863 ATMs of Public Sector Banks, of which 78484 are in on-site and
56379 are in off-site. Compound Annual Growth Rate of year wise ATMs of Public Sector Banks indicates
10.53 per cent during the year 2010-11 to 2019-20.

Chart No-3 : Year Wise ATMs of Public Sector Banks

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ISSN: 0972-7175

2010-11
4%
13% 6% 2011-12
7% 2012-13
2013-14
13% 8%
2014-15
2015-16
10%
14% 2016-17
2017-18
11%
2018-19
14%
2019-20

Table No-6 ; ATM’s of Commercial Banks – 2019-20

Sl. Semi-Urban
Name of the Metro Centres Urban Centres Rural Centres
No Centres Total
Bank
Number % Number % Number % Number %
1 Public Sector
29784 21.72 39725 28.97 39349 28.70 28255 20.61 137113
Banks
2 Private Sector
29445 40.13 19169 26.13 18543 25.27 6212 8.47 73369
Banks
3 Foreign Banks 645 75.88 162 19.06 19 2.24 24 2.82 850
4 Payment Banks 35 31.25 28 25 28 25 21 18.75 112
5 Small Finance
574 26.94 651 30.55 665 31.21 241 11.31 2131
Banks
Total 60,483 28.32 59,735 27.97 58,604 27.44 34,753 16.27 2,13,575
Source: Report of TPBII 2019-20
Table No-6 Indicates that ATM’s of Commercial Banks in India, there are 2,13,575 ATMs owned
by the Commercial Banks in the Country of which 60483(28.32%) ATMs in Metro Centres,
59735(27.97%) ATMs in Urban Centres, 58604(27.44%) ATMs in Semi Urban Centres, 34753(16.27%)
ATMs in Rural Centres, there are 2131 ATMs owned by the Small Finance Banks in the Country of which
574(26.94%) ATMs in Metro Centres, 651(30.55%) ATMs in Urban Centres, 665(31.21%) ATMs in Semi
Urban Centres, 241(11.31%) ATMs in Rural Centres as on 2019-20.
Table No-7 : ATMs of Public Sector Banks – Bank Wise
ATMs
Sl.
Name of the Bank On-site Off-site Total
No
Number % Number %
1 Allahabad Bank 869 90.24 94 9.76 963
2 Andhra Bank 3,027 79.80 766 20.20 3,793
3 Bank of Baroda 9,354 70.90 3,839 29.10 13,193
4 Bank of India 2,413 41.97 3,337 58.03 5,750
5 Bank of Maharashtra 1,381 71.70 545 28.30 1,926
6 Canara Bank 4,734 53.97 4,038 46.03 8,772
7 Central Bank of India 2,752 75.56 890 24.44 3,642

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8 Corporation Bank 2,267 86.43 356 13.57 2,623
9 Indian Bank 3,359 82.75 700 17.25 4,059
10 Indian Overseas Bank 2,678 88.32 354 11.68 3,032
11 Oriental Bank of Commerce 2,340 89.59 272 10.41 2,612
12 Punjab and Sind Bank 1,024 97.15 30 2.85 1,054
13 Punjab National Bank 5,430 59.23 3,738 40.77 9,168
14 State Bank of India 25,634 43.78 32,921 56.22 58,555
15 Syndicate Bank 4,172 91.23 401 8.77 4,573
16 UCO Bank 2,050 91.68 186 8.32 2,236
17 Union Bank of India 3,979 57.71 2,916 42.29 6,895
18 United Bank of India 1,021 50.62 996 49.38 2,017
Total 78,484 58.20 56,379 41.80 1,34,863
Sources: Consolidated Annual Report of RBI.
Table No - 7 Indicates that ATMs of Public Sector Banks – Bank Wise in India, Allahabad Bank
have 963 ATMs, of which 869(90.24%) ATMs in on-site and 94(9.76%) ATMs in off-site, Union Bank
of India have 6895 ATMs, of which 3979(57.71%) ATMs in on-site and 2916(42.29%) ATMs in off-site,
United Bank of India have 2017 ATMs, of which 1021(50.62%) ATMs in on-site and 996(49.38%) ATMs
in off-site
Chart No-5 : ATMs of Public Sector Banks-Bank Wise
70000
58,555
60000
50000
40000
30000
20000 13,193
8,772 9,168
10000 963 3,793 5,750
1,926 3,6422,6234,0593,0322,6121,054 4,5732,2366,8952,017
0

Table No-11 : Year Wise Branches of Private Sector Banks

Branches
Sl.No Years Semi- CAGR
Rural Urban Metropolitan Total
Urban
1 2010-11 1,311 3,814 3,315 3,162 11,602
2 2011-12 1,581 4,687 3,569 3,615 13,452
3 2012-13 2,361 5,445 3,882 3,881 15,569
4 2013-14 2,851 6,286 4,026 4,200 17,363
5 2014-15 3,123 6,967 4,510 4,651 19,251
11.61%
6 2015-16 3,850 7,396 4,986 5,300 21,532
7 2016-17 4,822 7,803 5,158 6,878 24,661
8 2017-18 6,160 9,242 5,926 7,477 28,805
9 2018-19 6,836 10,306 6,760 8,473 32,375
10 2019-20 7,232 10,990 7,336 9,236 34,794

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Source: Consolidated Annual Reports of RBI
Table No-11 Indicates that year wise branches of Private Sector Banks in India. In the year of
2010-11, there are 11602 branches of Private Sector Banks of which 1311 branches were located in Rural,
3814 branches in Semi Urban, 3315 branches in Urban and 3162 branches in Metropolitan were located,
In the year of 2019-20, there are 34794 branches of Private Sector Banks of which 7232 branches were
located in Rural, 10990 branches in Semi Urban, 7336 branches in Urban and 9236 branches in
Metropolitan were located. Compound Annual Growth Rate of year wise branches of Private Sector Banks
indicates 11.61 per cent during the year 2010-11 to 2019-20.
Chart No-6 : Year Wise Branches of Private Sector Banks

2010-11
5%
16% 6% 2011-12
7% 2012-13
8% 2013-14
15%
2014-15
9%
2015-16
13%
10% 2016-17
11%
2017-18

Table No-12 : Branches of Private Sector Banks

Branches
Sl.
Name of the Bank Rural Semi-urban Urban Metropolitan
No Total
Number % Number % Number % Number %
1 Axis Bank Limited 744 16.14 1,392 30.20 1,074 23.30 1,399 30.35 4,609
2 Bandhan Bank Limited 1,569 34.45 1,645 36.11 879 19.30 462 10.14 4,555
3 City Union Bank Limited 103 15.17 271 39.91 137 20.18 168 24.74 679
4 CSB Bank Limited 37 8.94 223 53.86 87 21.01 67 16.18 414
5 DCB Bank Limited 66 19.64 86 25.60 82 24.40 102 30.36 336
6 Dhanalakshmi Bank Limited 20 8.10 106 42.91 63 25.51 58 23.48 247
7 Federal Bank Limited 158 12.38 689 54.00 226 17.71 203 15.91 1,276
8 HDFC Bank Ltd. 1,009 19.22 1,639 31.22 1,061 20.21 1,541 29.35 5,250
9 ICICI Bank Limited 1,099 20.75 1,546 29.19 1,067 20.14 1,585 29.92 5,297
10 IDBI Bank Limited 407 21.57 586 31.05 466 24.70 428 22.68 1,887
11 IDFC First Bank Limited 43 7.23 113 18.99 167 28.07 272 45.71 595
12 IndusInd Bank Ltd. 287 16.29 418 23.72 480 27.24 577 32.75 1,762
13 Jammu & Kashmir Bank Ltd. 503 52.89 172 18.09 107 11.25 169 17.77 951
14 Karnataka Bank Limited 187 22.05 200 23.58 226 26.65 235 27.71 848
15 Karur Vysya bank Ltd. 133 16.26 300 36.67 160 19.56 225 27.51 818
16 Kotak Mahindra Bank Ltd. 253 15.81 293 18.31 341 21.33 713 44.56 1,600
17 Lakshmi Vilas Bank Ltd. 108 19.12 177 31.33 124 21.95 156 27.61 565
18 Nainital Bank Ltd. 38 27.14 32 22.86 38 27.14 32 22.86 140
19 RBL Bank Ltd. 57 14.77 76 19.69 57 14.77 196 50.78 386
20 South Indian Bank Ltd. 110 11.76 466 49.84 170 18.18 189 20.21 935
21 Tamilnad Mercantile Bank Ltd. 106 20.83 247 48.53 80 15.72 76 14.93 509
22 Yes Bank Ltd. 195 17.18 313 27.58 244 21.50 383 33.74 1,135
Total 7,232 20.79 10,990 31.59 7,336 21.08 9,236 26.54 34,794
Sources: Consolidated Annual Report of RBI.

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Table No - 12 Indicates that Branches of Private Sector Banks in India. As regards Axis Bank
Limited, there are 4609 branches as on 2019-20, of which 744(16.14%) branches in Rural area,
1392(30.20%) branches in Semi Urban area, 1074(23.30%) branches in Urban area and 1399(30.35%)
branches in Metropolitan area as on 2019-20, On the whole, there are 34794 branches of Private Sector
Banks in 2019-20, of which 7232(20.79%) branches in Rural area, 10990(31.59%) branches in Semi
Urban area, 7336(21.08%) branches in Urban area and 9236(26.54%) branches in Metropolitan area as on
2019-20.
Chart No-7 : Branches of Private Sector Banks
6,000 5,250 5,297
5,000 4,609 4,555
4,000
3,000
1,887 1,762 1,600
2,000 1,276 1,135
679 414 336 595 951 848 818 935
1,000 247 565 386 509
140
0

Total

Table No-13 : Year Wise ATMs of Private Sector Banks

ATMs
Sl.No Years CAGR
On-site Off-site Total
1 2010-11 10,648 13,003 23,651
2 2011-12 13,249 22,830 36,079
3 2012-13 15,236 27,865 43,101
4 2013-14 16,360 28,300 44,660
5 2014-15 18,630 29,697 48,327
11.94%
6 2015-16 20,986 32,320 53,306
7 2016-17 23,045 35,788 58,833
8 2017-18 23,564 35,601 59,165
9 2018-19 26,197 37,143 63,340
10 2019-20 32,690 40,362 73,052
Source: Consolidated Annual Reports of RBI
Table No-13 Indicates that year wise ATMs of Private Sector Banks 2019-20, In the year 2010-
11, there are 23651 ATMs of Private Sector Banks, of which 10648 are in on-site and 13003 are in off-
site, In the year 2011-12, In the year 2019-20, there are 73052 ATMs of Private Sector Banks, of which
32690 are in on-site and 40362 are in off-site. Compound Annual Growth Rate of year wise ATMs of
Private Sector Banks indicates 11.52 per cent during the year 2010-2011 to 2019-20.
Chart No-8 : Year Wise ATMs of Private Sector Banks

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Total
5%
2010-11
14% 7% 2011-12
8% 2012-13
12% 2013-14
9%
2014-15
12% 10% 2015-16
12% 11% 2016-17
2017-18

Table No-20 : Year Wise Branches of Foreign Banks

Branches
Sl.No Years Semi- CAGR
Rural Urban Metropolitan Total
Urban
1 2010-11 7 8 61 241 317
2 2011-12 7 8 61 246 322
3 2012-13 8 10 65 249 332
4 2013-14 8 10 65 249 332
5 2014-15 8 10 60 240 318
-0.29%
6 2015-16 8 9 58 238 313
7 2016-17 9 9 39 231 288
8 2017-18 9 10 36 231 286
9 2018-19 13 10 39 238 300
10 2019-20 15 8 40 245 308
Source: Consolidated Annual Reports of RBI
Table No-21 Indicates that year wise branches of Foreign Banks in India. In the year of 2010-11,
there are 317 branches of Foreign Banks of which 7 branches were located in Rural, 8 branches in Semi
Urban, 61 branches in Urban and 241 branches in Metropolitan were located, In the year of 2019-20, there
are 308 branches of Foreign Banks of which 15 branches were located in Rural, 8 branches in Semi Urban,
40 branches in Urban and 245 branches in Metropolitan were located. Compound Annual Growth Rate of
year wise branches of Foreign Banks indicates -0.29 per cent during the year 2010-11 to 2019-20.

Chart No-11 : Year Wise Branches of Foreign Banks

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2010-11
10% 10% 2011-12

10% 2012-13
10%
2013-14
9% 2014-15
11%
2015-16
9%
11% 2016-17
10% 2017-18
10%
2018-19

Table No – 22 : Branches of Foreign Banks – 2019-20

Branches
Sl.
Name of the Bank Semi-
No Rural Urban Metropolitan Total
urban
1 AB Bank Limited - - - 1 1
2 Abu Dhabi Commercial Bank (P.J.S.C) - - - 1 1
3 American Express Banking Corp. - - - 1 1
Australia and New Zealand Banking
4 1 - 1 1 3
Group Limited
5 Bank of America National Association - - - 4 4
6 Bank of Bahrain & Kuwait B.S.C. - 1 - 3 4
7 Bank of Ceylon - - - 1 1
8 Bank of China Limited - - - 1 1
9 Bank of Nova Scotia - - - 2 2
10 Barclays Bank Pic - 1 1 4 6
11 BNP Paribas - - - 8 8
12 Citibank N.A - - 4 31 35
13 Co-operative Rabobank U.A. - - - 1 1
Credit Agricole Corporate and
14 - - - 5 5
Investment Bank
15 Credit Suisse Ag - - - 1 1
16 CTBC Bank Co., Ltd - 1 - 1 2
17 DBS Bank India Limited 8 2 3 21 34
18 Deutsche Bank AG 1 - 5 11 17
19 Doha Bank Q.P.S.C. - - 1 2 3
20 Emirates NDB Bank (P.J.S.C) - - - 1 1
21 First Abu Dhabi Bank (P.J.S.C) - - - 1 1
22 FirstRand Bank Ltd - - - 1 1
Hongkong And Shanghai Banking Corp.
23 - - 4 22 26
Ltd
Industrial and Commercial Bank of
24 - - - 1 1
China
25 Industrial Bank of Korea - - - 1 1

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JPMorgan Chase Bank National
26 2 - - 2 4
Association
27 JSC VTB Bank - - - 1 1
28 KEB Hana Bank - 1 - 1 2
29 Kookmin Bank - - 1 - 1
Krung Thai Bank Public Company
30 - - - 1 1
Limited
31 Mashreq Bank Ltd - - - 1 1
32 Mizuho Bank Ltd - 1 - 4 5
33 MUFG Bank Ltd 1 - - 4 5
34 Natwest Markets Plc - - - 1 1
35 PT Bank Maybank Indonesia Tbk - - - 1 1
36 Qatar National Bank (Q.P.S.C) - - - 1 1
37 Sberbank - - - 1 1
38 SBM Bank (India) Limited - - - 6 6
39 Shinhan Bank 1 - - 5 6
40 Societe Generale - - - 2 2
41 Sonali Bank - - 1 1 2
42 Standard Chartered Bank 1 1 18 80 100
43 Sumitomo Mitsui Banking Corporation - - - 2 2
44 United Overseas Bank Ltd - - - 1 1
45 Westpac Banking Corporation - - - 1 1
46 Woori Bank - - 1 2 3
Total 15 8 40 245 308
Source: Report of TPBII 2019-20.
Table No-22 Indicates that Branches of Foreign Banks in India. As regards AB Bank Limited,
there are 1 branches as on 2019-20, of which 1 branch in Metropolitan area as on 2019-20, As regards
Woori Bank, there are 3 branches as on 2019-20, of which 1 branch in Urban area and 2 branches in
Metropolitan area as on 2019-20, on the whole, there are 308 branches as on 2019-20, of which 15
branches in Urban area, 8 branches in Semi Urban area, 40 branches in Urban area and 245 branches in
Metropolitan area as on 2019-20.
Table No-23 : Year Wise ATMs of Foreign Banks
ATMs
Sl.No Years CAGR
On-site Off-site Total
1 2010-11 286 1,081 1,367
2 2011-12 284 1,130 1,414
3 2012-13 283 978 1,261
4 2013-14 216 963 1,179
5 2014-15 220 882 1,102
-4.06%
6 2015-16 219 794 1,013
7 2016-17 219 747 966
8 2017-18 214 724 938
9 2018-19 221 693 914
10 2019-20 225 678 903
Source: Consolidated Annual Reports of RBI

Vol: XXIV, No. : 1(XXII), 2022 54

JOURNAL OF EDUCATION: RABINDRA BHARATI UNIVERSITY
ISSN: 0972-7175
Table No-23 Indicates that year wise ATMs of Foreign Banks 2019-20, In the year 2010-11, there
are 1367 ATMs of Foreign Banks, of which 286 are in on-site and 1081 are in off-site, In the year 2019-
20, there are 903 ATMs of Foreign Banks, of which 225 are in on-site and 678 are in off-site,
Chart No-12 : Year Wise ATMs of Foreign Banks
2010-11
2011-12
8% 12%
8% 2012-13
2013-14
9% 13%
2014-15
2015-16
9% 11%
2016-17
9% 2017-18
11%
10% 2018-19
2019-20

CONCLUSION
Indian banking industry is one of the well structured with regulatory authorities for their smooth
functioning in the country. After nationalization of 20 commercial banks in India, it transforms many
changes in the socio – economic development through flow of money from one hand to another.
Commercial banks become more vibrant and modern with respect to new economic policy initiated in
India in 1991. Commercial banks were computerized and information and communication technology
banking services into user friendly and quick access manner. During 2000, more ATMs were installed to
deliver funds transfer in a accessible manner. At present 2.13 Lakhs ATMs by banks of its 1,54,485
branches, 42 foreign banks 10 small finance banks are also available in digital mode that provide all senior
like physical banks. Therefore, it is concluded that ATMs and branches of commercial banks are
significantly contributing to the socio-economic development of the country.

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