Banking Industry Major Players
Value Chain Sales
Marketing
• • •
Advertisement Branding Sales Support
• • •
Product
Human Capital Offering Multi-channel management
• • •
Key Growth Drivers Driver
Income Level
Growth
Rising per capita income and rural income
Net interest rate margin
8.82
Digital Infrastructure
Loan Books
Soaring tele density in rural areas
Both corporate and retail loan books have seen increasing demand.
Transaction fees and agency fees
16…
Physical Infrastructure
Speculative positioning based on flow of information(hedging)
SBI
23.90%
22.50%
3,86,123
ICICI
5.70%
6.30%
4,48,638
HDFC
8.50%
9.60%
8,26,493
Axis Bank
4.70%
5.50%
2,33,067
Commissions Trading Clearing and settlement
Government Initiative Scheme
About
Public Sector Banks
Pradhan Mantri Suraksha Bima Yojana
Accidental death insurance cover for up to Rs. 2 lakhs. . Gross enrolment under the scheme reached 154 million in FY19.
Private Sector Banks
Pradhan Mantri Jeevan Jyoti Bima Yojana
Life insurance cover of Rs. 2 Lakhs . Gross enrolment under the scheme reached 59 million in FY19
Pradhan Mantri Jan Dhan Yojana
Under the scheme, each & every citizen will be enrolled in a bank for opening a No-Frills account and is eligible for Rs. 5000/- overdraft
Atal Pension Yojana
Under the scheme, subscribers would receive fixed pension up to Rs. 5,000 from the age of 60 based on their contribution
Cost
41.18 Tele density
• • •
Revenue Breakup (FY’20)
Revenue
Market Share in Deposit
Transactions
Commercial Banking: Deposits, Loans, Treasury, credit card Investment: Underwriting, IB services, research Services: Asset Management, book building, Account Management
33.82
Foreign Banks
Important News •
On November 6, 2020, WhatsApp started UPI payments service in India on receiving the National Payments Corporation of India (NPCI) approval to ‘Go Live’ on UPI in a graded manner
•
To improve infrastructure in villages, 204,000 point of sale (PoS) terminals have been sanctioned from the Financial Inclusion Fund by National Bank for Agriculture & Rural Development (NABARD)
•
In 2019, banking and financial services witnessed 32 M&A (merger and acquisition) activities worth US$ 1.72 billion
ConQuest, IIM Shillong
2021-22
Market Market Capitalizati Share in on Credit (INR CR)
Company
Facts
Asset of public sector banks stood at Rs. 107.83 lakh crore (US$ 1.52 trillion) in FY20
April 2021: Bank Credit – Rs. 108.02 trillion Deposit – Rs. 151.34 trillion
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