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A banker or bank is a financial institutionwhose primary activity is to act as a paymentagent for customers and to borrow and lend
money. An institution where one place and borrow
money and take care of financial affairs; Abranch office of such an institution.
The first modern bank was founded in Italy inGenoa in 1406.
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Banking dates back to 1786, the first bankestablished in India, then the nationalisation ofbanks in 1969 and recently the liberalisation of
the same since 1991. The government's regular policy for Indian
bank since 1969 has paid rich dividends
with the nationalisation of 14 major private
banks of India.
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Public Sector Banks in India.
Private banking in India.
Rural banking in India.
Foreign Banks in India.
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1. Allahabad Bank2. Andhra Bank3. Bank of Baroda4. Bank of India5. Bank of Maharastra6. Canara Bank7. Central Bank of
India8. Corporation Bank9. Dena Bank10. IDBI Bank
11.Indian Bank
12.Indian Overseas Bank
13.Oriental Bank of
Commerce
14.Punjab & Sind Bank
15.Punjab National Bank
16.Syndicate Bank
17.UCO Bank18.Union Bank of India
19.United Bank of India
20.Vijaya Bank
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State Bank of India
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of Indore State Bank of Mysore
State Bank of Saurastra
State Bank of Travancore
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1. Bank of Punjab2. Bank of Rajasthan3. Catholic Syrian
Bank4. Centurion Bank5. City Union Bank6. Dhanalakshmi
Bank
7. DevelopmentCredit Bank8. Federal Bank9. HDFC Bank
10.ICICI Bank
11.IndusInd Bank
12.ING Vysya Bank
13.Jammu & KashmirBank
14.Karnataka Bank
15.Karur Vysya Bank
16.Laxmi Vilas Bank17.South Indian Bank
18.United Western Bank
19.UTI Bank
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1. Haryana State Cooperative Apex Bank Limited.2. National Bank for Agriculture and Rural
Development (NABARD).3. Sindhanur Urban Souharda Co-operative Bank.4. United Bank of India.
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1. ABN-AMRO Bank2. Abu Dhabi Commercial Bank3. Bank of Ceylon
4. BNPParibas Bank5. Citi Bank6. China Trust Commercial Bank7. Deutsche Bank8. HSBC9. JPMorgan Chase Bank10. Standard Chartered Bank11. Scotia Bank12. Taib Bank
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Automatic Teller Machine (ATM)
The first bank to introduce the ATM
concept in India was the Hongkong andShanghai Banking Corporation (HSBC). It wasin the year 1987. Now, almost everycommercial banks gives ATM facilities to itscustomers.
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The first bank to cross 1,000 marks in installingATMs in India is ICICI.SBI is following theconcept of 'ATMs in Quantity'. But Private
Sector Banks have taken the lead. ICICI, UTI,HDFC and IDBI counts more than 50% of thetotal ATMs in India.
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"The account that travels with you". This isneeded in today's fast business environmentwith unending deadlines for fulfillment and
loads of appointments to meed and meetings toattend. With mobile banking facilities, one canbank from anywhere, at anytime and in anycondition or anyhow.
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The following operations can be conductedthrough advanced mobile phones.
Bill payments
Fund transfersCheck balances
Any many more which is also availablein SMSBanking
y
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Businesses are in move. So is to be your money.You may have to thank the banks which areproviding banking at the send-of-your-sms. The
technology is at its highest level to move yourmoney while you are on the move. If you arehaving non-WAP enabled mobile handset, youcan use the facility of SMS services
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The following operations can be easily used bythe service provider:
Balance enquiry
Last three transactions Cheque payment status
Cheque book request
Statement request
Demat
-
FreeB
alance Holding Demat - Last two Transactions
Bill Payment
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Net Banking is conducting ones banking orbank account online through a computer and anet connection. The system is updated
immediately after every transactionautomatically. In other words it is said that it isupdated 'on-line, real time'. Through netbanking one can check the status of his/heraccount, place queries and also can befacilitated with a wide range of transactionssimultaneously.
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Net Banking has three basic features. They areas follows:
The banks offer only relevant information's about
their products and services to the mass. Few banks provide interaction facility between
the banks and its customers.
Banks are coming up with arrangements of
utility payments, like telephone bills, electricitybills, etc.
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Indias Central Bank
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Established on April 1,1935 with share capita offive crores on recommendation of Hilton
young commission. RBI was Nationalized in year 1949.
The Central Office of the Reserve Bank wasinitially established in Calcutta but was
permanently moved to Mumbai in 1937
The Governors of RBI is Dr. Duvvuri Subbarao.
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RBI Have 20 Directors.
The Governor.
Fore deputy Governor.
One Govt.Official from Ministry of finance.
Ten Nominate Director, Nominated by Govt. Four Director to represent Headquarter at
Mumbai , Calcutta , Chennai &New Delhi.
Appointed / Nominated for period of four
year.
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Head office in Mumbai Has 22 regional offices,
most of them in state capitals
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The Preamble of the Reserve Bank of Indiadescribes the basic functions of the ReserveBank as:
"...to regulate the issue of Bank Notes andkeeping of reserves with a view to securingmonetary stability in India and generally tooperate the currency and credit system of thecountry to its advantage."
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Bank of Issue (under sec 22)
RBI has sole right to issue one Rupees Notes and smallcoins in country as agent of government.
RBI has separate issue department to issue currency note.
RBI maintain minimum reserve in Gold and ForeignExchange reserve of which almost 55% should be Gold.
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Banker to Government.
RBI is banker ,agents and advisor of centralGovernment and all state Government in India.
RB
I helps the Government to float new loans and toManage Public.
RBI makes loans and advances to the States localauthorities.
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Bankers Bank & Lender of Last Report.
RBI maintains banking accounts of all schedulebank.
Every schedule bank have to keep cash reserve a
fix percentage of their aggregate depositliabilities.
Bank always expect for help from RBI in time ofbanking crisis.
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Controller ofCredit
RBI holds the cash reserves of all schedulebanks.It holds credit operation of bank through
quantities.RBI has power to ask bank or whole banking
system not to lend particular group.Every bank have to get license from RBI for
banking operation .RBI also cancel this license.Every bank give weekly return showing assets
and liabilities in details
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Custodian of foreign reserves.
RBI responsible to official rate of exchange asaccording term of I.M.F.
RBI reserves the international currency.RBI observes relationship of Indian currency
with other International currency.
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Governor
Dr. D Subbarao
Deputy Governor
Dr. Rakesh Mohan, Smt. S. Gopinath, Smt. UshaThora
Executive Directors
Sh. V.K. Sharma, Sh. C. Krishnan, Sh. Anand Sinha, Sh. V.S.Das, Sh. G. Gopalkrishna, Sh. H.R. Khan, Sh. D.K. Mohanty
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Top Banks In India DNB Survey
Bank Name
StateBank OfIndia
ICICIBankLimited
HDFCBank
PunjabNationalbank
Bank OfBaroda
Branches26500 2,016 1,725 5000 1,456
Employees 200,299 35,000 51,888 580,300 302,000
Income85,962crore
59,599.77crore
4,419.01crore
2,32,000 1,03,000
Profit
9,166.05
crore
4,843.41
crore
3,032.92
crore
1,90,000 99,873
Top Banks In India
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Strengths
King of rural India
Government Backing
Diversified Portfolio
Low Transaction Cost
Brand
Name
Excellent Penetration
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Weaknesses
Hierarchical mgmt. abarrier
High % of NPA
Lacks modernization
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Opportunities
Merger of banks Add branches
Privileged Banking
Expansion
Modernization
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Threats
Advent of MN
Cbanks
Private banks
Liberalization
ConsumerExpectations
Employee Strike
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Strengths
B
rand name Huge network
Aggressive Marketing
Technology
Salary A/cs
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Weaknesses
P
oor customer service High transaction cost
Customer bias
Meek global presence
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Opportunities
N
ew companies New services
Expansion
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Threats
Advent of MNCbanks
Nationalized banks
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Marketing the Insurance, Mutual Fund and other products of theBank. Responsible for end-to-end sales. Any other work assignedby the Bank from time to time.
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FinancialAnalyst
ResearchAnalyst
AnalystDerivatives
Analytical tasks on,
maintenance and
transactions including:Financial models,
Derivatives market and
conduct financial
valuations. Deliver output
that is accurate, insightful
and client-read
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Responsibility to track adherence to budgeting for the ATMidentification of expense save options, performancemeasurement of new deployments and take necessarymeasures.
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Managing Fresh limits, enhancements, interim approvals andrenewals of dealers limit.Monitoring end use of funds by appointing CAs for conducting stockaudits.
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Asst.ManagerSystems
In-depth knowledge in
Multi-tireArchitecture, ClientServer Technology,TCP/IP, WebTechnology
Analyst IT
Operations
Provide re otesupport to its glob lbusiness, cross thefollowing re s: IT Service esk. Infor tionSecurity/AccessM n ge ent.Windows/ nix/ inux Server per tions
IT AND
MANAGEMENT
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Provides HR shared services including Payroll, Benefits, RetiralManagement and related Accounting & Reporting activities.
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To implement Business Development andMarketing Strategies and Achievement of Salesand Profit Targets of all Financial Products andServices.
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