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Structure of Commercial Banking in India

The document provides an overview of the structure of commercial banking in India, detailing various types of banks including public sector, private sector, foreign banks, regional rural banks, and cooperative banks. It highlights the characteristics and examples of each type, emphasizing aspects such as ownership, services offered, and target markets. The information is aimed at understanding the diverse banking landscape in India.

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lakshmianilkumar220805
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9 views9 pages

Structure of Commercial Banking in India

The document provides an overview of the structure of commercial banking in India, detailing various types of banks including public sector, private sector, foreign banks, regional rural banks, and cooperative banks. It highlights the characteristics and examples of each type, emphasizing aspects such as ownership, services offered, and target markets. The information is aimed at understanding the diverse banking landscape in India.

Uploaded by

lakshmianilkumar220805
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd

An Overview Of

THE STRUCTURE OF
COMMERCIAL
BANKING IN INDIA
3

WHAT ARE COMMERCIAL BANKS ?


• It is a Financial Institution that provides
services like loans, certificates of
deposits, savings bank accounts services
to it’s customers. These Institutions
make money by lending loans to
individuals and earning interest on loans.
PUBLIC SECTOR BANKS

ᵠBanks owned and controlled by the government.


There are 12 Public Sector Banks in India.

Characteristics
ᵠ Large branch network
ᵠ Government ownership
ᵠ Priority sector lending (agriculture,
education, housing)

Examples:
State Bank of India, Bank of Baroda,
Punjab National Bank
PRIVATE SECTOR BANKS
Banks owned and controlled by private individuals or
companies.
There are 21 private banks in India
Characteristics
• Technology-driven
• Customer-centric
• Wide range of products (credit cards, personal loans,
investment products)
Examples:
• ICICI Bank, HDFC Bank, Axis Bank

Can be further classified into New Gen Private(ICICI ,


HDFC, IDFC First) and Old Private Banks (Federal Bank,
South Indian Bank, Dhanalakshmi Bank)
Click to add picture

FOREIGN BANKS
Banks from foreign countries operating in
India
Characteristics:
ᵠ Global presence
ᵠ Specialized services (corporate banking,
trade finance)
ᵠ Limited branch network
Examples:
ᵠ Citibank, Standard Chartered, Deutsche
Bank
REGIONAL RURAL BANKS
Banks established to serve rural areas

Characteristics:
ᵠ Focus on rural development Click icon to add picture
ᵠ Government-sponsored
ᵠ Limited services (savings accounts, loans)

Examples:
ᵠ Andhra Pradesh Grameena Vikas Bank,
Karnataka Vikas Grameena Bank
Click to add picture

COOPERATIVE
BANKS
Banks owned and controlled by
members

Characteristics:
ᵠ Member-driven
ᵠ Community-focused
ᵠ Limited services (savings
accounts, loans)

Examples:
ᵠAhmedabad Mercantile Co-operative
Bank, Saraswat Cooperative Bank
THANKYOU!

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