Indian Public Sector Banking

Analysis

Mithun – I002
Shubham Aggarwal – I004
Jitesh Ahuja – I006
Parth Ashar – I008
K Raveesh Babu – I010
 Sector Banking
Functions
Deposits Credit Conclusion
Overview
 Sector Banking
Deposits Credit Conclusion
Overview Functions
 Sector Banking
Deposits Credit Conclusion
Overview Functions
 Banking Sector
Deposits Credit Conclusion
Functions Overview

 CAGR – 12.03% from

FY 06 – 07
 Total Deposits – 1.541
USD Billion
 Banking Sector
Deposits Credit Conclusion
Functions Overview

 Factors affecting Deposits:

 Consumer Income
 Consumer Expectations
 Number of Consumers
 Substitute Investments
 Gold
 Other Investment Instruments
 Banking Sector
Deposits Credit Conclusion
Functions Overview

Demonetization
Impact
 Banking Sector
Deposits Credit Conclusion
Functions Overview

 Loans and other advances

 Buoyed by competitive Interest rates
 Banks with the NPA burden are increasingly reluctant
to lend

Credit Growth:
• In 2016-17, the Credit growth fell to a record
low 5.08%. It is the lowest since 1953-54.
 Banking Sector
Deposits Credit Conclusion
Functions Overview
 Banking Sector
Deposits Credit Conclusion
Functions Overview

Factors Affecting Credit Growth:

 Interest Rate (MCLR)

 Demonetization
 NPAs
 Banking Sector
Deposits Credit Conclusion
Functions Overview

Factors Affecting Credit Growth:

 Banking Sector
Deposits Credit Conclusion
Functions Overview

- Credit Growth is crucial for a growing

Economy like India going forward.
- Room for Monetary Policy Easing
- Passing the Insolvency Code and RBI setting
up an Oversight committee might help
reducing the NPAs.
Gracias