1. BANKING OVERVIEW P. T. KUMBHAR
MCOM, CAIIB, FCMA, FCS, ACIS(London}, MIMA, DBF, PGDFA, GDC&A.

2. BANKING STRUCTURE Public Sector Banks: State Bank group-
Imperial bank (1955) ( 1+5+1)
There were 7 subsidiaries.
Five merged on 1st April 2017.
Public Sector Banks (IDBI )
Mahila bank merged with SBI.

3. BANKING Private Sector Banks 22 Old Pvt. Sector 13.
(Federal, Laxmivilas,
karnataka, DCB, RBL etc.)
New Pvt. Sector
HDFC,ICICI,YES,AXIS,
KOTAK, IDFC ,Indusind Bank,
Bandhan.
Foreign Banks
TOTAL banks

4. Payment Banks 11 OTHER BANKS: Small Finance Banks 10 AU Finance,
Aditya Birla , Airtel, Cholamandal,
Posts, Fino Pay Tech, NSDL, Reliance
Dilip Sanghavi, Vijay Sharma, Tech Mahindra.
Vodafone.

5. CO-OP STRUCTURE. STATE CO-OP 31 DIST CENTRAIL CO-OP 370.
PRIMARY AGRI. SOCIETIES
URBAN CO-OP BANKS:
SHEDULED
Multi-State
Single State

6. NON SCHEDULED UCBS: 1524. Multi-State 22. Single State 1502. RRB’s 83.
Finance Companies.
Credit Societies
Local Area Banks

7. Commercial Banks Business. (cr.)
Areas
Branches
55,000
1,00,124
Own Fund
1,50,000
9,00,000
Deposit
5,00,000
90,00,000
Loans
3,00,000
70,00,000
Profit
5,600
90,000
Staff ( NO )
12,00,000

8. UCB’S SHARE IN BANKING Deposit (cr.) 3,55,000 Advance (cr.) 2,44,000
Profit (cr.)
3,489
Share of Business
3.3%
Gross NPA
6.2%
CRAR < 9 %
1503
Negative net worth 48
Direction 29

9. TECHNOLOGY.
Monthly transactions.
CTS L/ T, Cr. Volume.
RTGS L tra RS 50L Cr.
NEFT Cr. Tra RS 20L cr.
ATM’s ,50,000.
20 Cr tra cr.
Daily 40,00,000 people visits ATM
withdraw RS 2000 cr.
POS ,00,000.

10. SMS BANKING
ADHAR PAYMENTS:
Pension
Subsidy
Scholarships
Janadhan
Atal Pension
Jeevan Bima

11. Mobile banking : IMPS. (13.5M/T, 127.6 B/V.)
PAYTM
UPI
BHIM
VALLETS
Cloud Computing:

12. RETAIL BANKING Deposit Product : Savings Bank Account.
Current Account.
Recurring Deposit
Term Deposit.

13. LOAN PRODUCTS:
Personal Loans:
Pension Scheme.
Housing Loans.
Vehicle Loans.
Consumer Durables.
Trade Finance.
Agriculture Finance.( Direct/Indirect)
Credit Cards .
Property Loans.

14. ANCILLARY SERVICES.
Safe Deposit Lockers .
Depositary Services.
Guarantees / Letter of credits.
Bank Assurance.
Financial and advisory services.
Payment Systems, ECS, NACH.
Credit ratings. (CIBIL etc.)

15. MODERN BANKING SERVICES
Investment Counselling
Investment banking
Mutual Funds /Subsidiaries
Project appraisal
Merchant Banking services
Taxation advisory services
Executor Trustee services
Credit card services
Forex Consultancy Services.

16. Govt. Transaction, Tax Collection etc.
Securities Trading services.
Factoring.
Gold/Silver/Platinum trading.
Venture capital financing.
Bank Assurance.

17. THANK YOU