hotel management
- Thread starter Tombstone
- Start date
ankitgokani
Ankit Gokani
hotel management u cud include the following things
the top insstitues which provide this course and den the carer of it in india and outside india
and frm next time plz mention in detail wat do u want so we wud be able to help u better
the top insstitues which provide this course and den the carer of it in india and outside india
and frm next time plz mention in detail wat do u want so we wud be able to help u better
savio13
Savio Cabral
Hello there…. :SugarwareZ-062:
It seems you were looking for project on hotel management
Hope these will meet your requirements:
->www.managementparadise.com/forums/environment-management-evn-m/40557-project-hotel-waste-management.html
->www.managementparadise.com/forums/service-sector-management-s-s-m/7368-hotel-management.html
->www.managementparadise.com/forums/service-sector-management-s-s-m/53703-ssm-project-hotel-sector.html
->www.managementparadise.com/forums/service-sector-management-s-s-m/40027-project-hotel-catering-industry.html
Kindly download the following attachments....
For further queries kindly post….. We would be pleased to help you….
Thank you…. :SugarwareZ-167:
Kindly whack the ” THANKS” button if you like my post……
Savio
Staff
(ManagementParadise.com)
Rashmi Solanki
New member
COOPERATIVE BANK
Chapter 1
1.1: Introduction
Almost all of the industrial enterprises whether they are into manufacturing, trading or service sector need bank finance in order to run the businesses. So everyone approaches the bank at some point of time for business loan whether it is for running day to day business or for setting up of a new project. A banker appraises the proposal and then decides whether to lend the money or not. Some tips on what goes behind the credit appraisal of the proposal by the banker.
Credit Appraisal It is the process of appraising the credit worthiness of a loan applicant. Factors like age, income, number of dependents, nature of employment, continuity of employment, repayment capacity, previous loans, credit cards, etc. are taken into account while appraising the credit worthiness of a person. Every bank or lending institution has its own panel of officials for this purpose.
s
1.2: Objective of the study
The main objective of the research is to understand the concept of credit (Loan) appraisal. What is the definition of credit appraisal? How can it function and control? What are the important things in credit appraisal? How banks can control NPA with nil?
Through this project we can also analyze banking industry. What are the challenges this industry is facing. I also included overview of banking sector as well as types of bank.
I choose ABHYUDAYA CO-OPERATIVE BANK for my study of CREDIT APPRAISAL. It is the lending urban co-operative sector bank. They perform in credit appraisal and control NPA in very good manner. That why it is interesting to know how they able to do this one,
1.3: Company profile
Abhyudaya Co-op. Bank Ltd., one of the leading Urban Co-operative Banks in India, in its outlook and approach, has the objective of progress and prosperity of all. From a humble beginning in January 1964 as a Co-operative Credit society with a share capital of a merely Rs.5,000/- held by 83 members, today Abhyudaya Co-op bank has become one of the large Urban Co-operative Banks with a "Scheduled Bank" status. The bank has been converted into a “Multi-State Scheduled Urban Co-op. Bank “w.e.f. 11th January, 2007. The area of operation which was restricted to the State of Maharashtra has now been extended to Karnataka State. Currently, the capital base of the bank stands at Rs. 45.78 crores and Reserves and surpluses at Rs.671.95 crores as on 31.03.2009. The bank has 1, 23,011 members and more than 12 lakhs depositors. The Bank has seen a tremendous growth in deposits. The deposits of the bank are over Rs. 3174.81 crores as on 31.03.2009, which were Rs. 2625.51 crores as at the end of the financial year 2008. The loans and advances stood at Rs. 1856.39 crores as on 31.03.2009. The bank had posted a net income of Rs. 92.36 crores as on 31.03.2009. “The growth rate of the bank compares well with that of others in the sector. The Bank has maintained a steady growth. The bank has been paying dividend @ 15% to its members which is maximum permissible as per the MCS Act.
The Bank has launched different loan schemes tailor-made to suit the needs of various customers. The schemes aim at providing loans for purchase or construction of residential premises, repair/renovation of house property, purchase of car, seeking higher education and for purchase of household consumer durable. One of the loan schemes, viz. "Udyog Vikas Yojana" is specially designed for the benefit of small entrepreneurs and businessmen. The procedure for sanctioning of loans under the schemes has been simplified and relaxed with a view to attract new customers and facilitating speedy sanction of loans. The Bank has total 75 branches including a Mobile Bank at Navi Mumbai. Bank is committed to spread network of branches throughout the State and provide much needed banking services to the population, which has been deprived of the banking facilities.
Innovative Banking is another area of operation that Abhyudaya is currently focusing on for a sustainable long term growth. The Bank has always endeavored for providing satisfactory customer service with the help of the latest technology. The Bank has provided fully computerised services to its valued clients. Bank is offering 11 Hours fully computerised services at 15 branches and 24 hours ATM service at 42 branches.
Milestones:
1964- Established as Co-operative Credit Society.
1965- Converted into a Bank with one Branch at Abhyudaya Nagar.
1985-Inauguration of Bank’s own Building, Staff Training College and Auditorium at
Vashi, RBI Permitted the Bank to open and maintain NRI Accounts.
1986 - Instituted Educational Prizes to the children of Members and Employees.
Became 3rd Biggest Urban Co-op. Bank in India.
1988 - Became Scheduled Bank.
1990 - Inauguration of Bank’s own Building at New Panvel.
1995- Decision to set up “Development Reserve Fund” to undertake special schemes.
1997- All Branches fully computerized.
1999- Eleven Hours & Sunday Banking started in 16 Branches.
2000- ATM installed at 3 branches.
2003- Opened 40th Branch with ATM Facility & 11 hours and Sunday banking
At Lokmanya Nagar (Thane).
2004- Started RTGS and NDS Facilities.
2006- Merger of Citizen Co-operative Bank Ltd., with 13 branches.
2007- Registration of the Bank under “Multi-State” Co-Op Societies Act on
11th Jan., 2007.
2008- Merger of Shri Krishna Co-operative Bank Ltd, Vadodara
- Merger of Janata Sahakari Bank, Udupi
- Foreign Exchange Department we inaugurated
2009 - Opened Bhayander branch And Dahisar branch
Opened recovery call centre at Parel
Overview of Financial Structure of Abhyudaya Co-op Bank Ltd.
(Amt. in Lacs)
31.03.2006 31.03.2007 31.03.2008 31.03.2009
Paid up
Share Capital
2628.00
3232.00
4046.00
4577.00
Reserves
48816.00
61993.00
62965.00
67195.00
Deposits
183587.00
215498.00
262550.00
317481.00
Loans & Advances
91487.00
128395.00
161610.00
185639.00
Gross Profits
8848.00
7890.00
12607.00
17587.00
Net Profits
7270.00
1875.00
4081.00
9236.00
Working Capital
244870.00
299197.00
343428.00
412215.00
Investments
137573.00
137634.00
142072.00
188320.00
Membership (Nos.)
1,12,523
1,17,139
1,20,577
1,23,011
The deposits have grown to Rs.3174.81 crores at the previous year end and registered a growth of 11.5%. Advances have grown by 16.7% and gone up by Rs.1856.38 crores. As a result bank has achieved a CD ratio of 49.83%.
Paid up Capital of the Bank increased from Rs.40.46 crores to Rs.45.78 crores, registering a growth of 17.22% over the previous year. The Reserves and other funds have increased from Rs.629.65 crores to Rs.671.95 crores in the previous year. The working capital have grown to Rs. 2991.97 crores at the previous year end and registered a growth of 10.92%.
The net profit has increased from Rs. 40.81 crores to Rs. 92.36 crores.
Capital to Risk Assets Ratio-
Movement of CRAR As on 31.3.2008 As on 31.3.2009
Capital Adequacy Ratio 23.94% 26.42%
Tier I Ratio 18.83% 21.24%
Tier II Ratio 5.11% 5.18%
NPAs
NPAs As on 31.3.2008 As on 31.3.2009
Gross NPAs Rs. 20417.84 lacs Rs. 25756.54 lacs
Net NPAs NIL NIL
Chapter 2
RESEARCH METHODOLOGY
The purpose of research is to discover answer to the questions through the application of scientific procedures. The main aim of research is to find out the truth which is hidden and which has not been discovered as yet. Though each research study has its own Specific purpose, we may think of following broad categories:
To gain familiarity with a phenomenon or to achieve new insights Into it.
To portray accurately the characteristics of a particular individual, Situation or a group.
To determine the frequency with which something occurs or with which it is associated with something else.
Research methodology is a way to systematically solve the research problem. It may be understood as a science of studying how research is done scientifically. In it we study the various steps that are generally adopted by a researcher in studying his research problem along with the logic behind them.
Research methodology has many dimensions and research methods do constitute a part of the research methodology. The scope of research methodology is wider than that of research methods. Thus, when we talk of research methodology we not only talk of the research method but also consider the logic behind the methods we use in the context of our research study and why we are using a particular method or technique and we are not using others so that research results are capable of being evaluated either by the researcher himself or by other. Why a research study has been undertaken, what data have been collected and what particular method has been adopted, why particular technique of analyzing data has been used and a host of similar other question are usually answered when we talk of research methodology concerning a research problem or study.
Research is often described as active; diligent and systematic process of inquiry aimed at discovering, interpreting and revising facts. This intellectual investigation produces a greater understanding of events, behaviors or theories and makes practical application through laws and theories. In other words we can say the purpose of research is to discover answer to the questions through the application of scientific procedures. The main aim of research is to find out the truth which is hidden and which has not been discovered as yet.
To carry out my project I have used the descriptive research.
Descriptive research includes survey and fact finding enquiries of different kinds. The major purpose of descriptive research is description of the state of affairs, as it exists at present. The main characteristic of this method is that the researcher has no control over the variable; he can only report what is happening. It is also called as ex post facto research. Most ex post facto research projects are used for descriptive studies in which researcher seeks to measure such items as, for example, frequency of shopping, preferences of people, or similar data. Descriptive research also includes attempts by the researcher to discover causes even when they cannot control the variables. The methods of research utilized in descriptive research are survey method of all kinds.
WHY DESCRIPTIVE RESEARCH?
In this case descriptive research was most suitable because it helped in giving focus to the preferences, knowledge, beliefs & satisfaction of a group of people in a given population and characteristics of the successful and unsuccessful companies. Moreover it helped in determining the relationship between two and more variables.
DATA SOURCE
To carry out the project work I have consulted the various secondary sources of data such as Magazines, Journals and websites.
Chapter: 3
Review of Literature
Chapter: 4
4.1: BANKING SECTOR- AN OVERVIEW
Banking in India originated in the last decades of the 18th century. The oldest bank in existence in India is the State Bank of India, a government-owned bank that traces its origins back to June 1806 and that is the largest commercial bank in the country. Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally took over these responsibilities from the then Imperial Bank of India, relegating it to commercial banking functions. After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. In 1969 the government nationalized the 14 largest commercial banks; the government nationalized the six next largest in 1980.
Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector banks (that is with the Government of India holding a stake), 31 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 38 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs. According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18.2% and 6.5% respectively
Indian Banking sector is dominated by Public sector banks (PSBs) which accounted for 72.6% of total advances for all SCBs as on 31st March 2008. PSBs have rapidly expanded their foot prints after nationalization of banks in India in 1969 and further in 1980. Although there is a restrictive entry/expansion for private and foreign banks in India, these banks have increased their presence and business over last 5 years.
Peculiar characteristic of Indian banks unlike their western counterparts such as high share of household savings in deposits (57.4% of total deposits), adequate capitalisation, stricter regulations and lower leverage makes them less prone to financial crisis, as was seen in the western world in mid FY09.
The Scheduled Commercial Banks (SCBs) in India have shown an impressive growth from FY04 to the mid of FY09. Total deposits, advances and net profit grew at CAGR of 19.6%, 27.4% and 20.2% respectively from FY03 to FY08. Banking sector recorded credit growth of 33.3% in FY05 which was highest in last 2 and half decades and credit growth in excess of 30% for three consecutive years from FY04 to FY07, which is best in the banking industry so far. Increase in economic activity and robust primary and secondary markets.
A significant improvement in recovering the NPAs, lowest ever increase in new NPAs combined with a sharp increase in gross advances for SCBs translated into the best asset quality ratio for banking sector in last two decades. Gross NPAs to gross advances ratio for SCBs decreased from the high of 14% in FY2000 to 2.3% in FY08.
The law governing Banking Activities in India is Called “Negotiable Instruments Act 1881”. The banking activities can be classified as:
• Accepting Deposits from public / other (Deposits)
• Lending money to public (Loans)
• Transferring money from one place to another (Remittances)
• Acting as trustees
• Acting as intermediaries
• Keeping valuables in safe custody
• Collection Business
• Government Business
Banking Segment in India functions under the umbrella of Reserve Bank of India – the regulatory, central bank. This segment broadly consists of:
Commercial Banks
Co-operative Banks
Commercial Banks:
In 1969, fourteen major commercial banks were nationalized. In 1980, six more commercial banks were nationalized. The State Bank of India and its subsidiaries are also own by the central government. After this amendment the existing structure has evolved in
Public sector
Private sector
Public sector banks have either the Government of India or Reserve Bank of India as the majority shareholder. This segment comprises of:
State Bank of India (SBI) and its subsidiaries.
Other nationalized banks.
Private sector banks consist of
Scheduled Commercial Banks
Unscheduled Banks
Scheduled commercial Banks Constitute those banks which have been included in the Second Schedule of Reserve Bank Of India (RBI) Act, 1934. RBI in turn includes only those banks in this schedule which satisfy the criteria laid down vide section 42 (60 of the Act. Some co-operative banks are scheduled commercial banks albeit not all co-operative banks are. Being a part of the second schedule confers some benefits to the bank in terms of access to accommodation by RBI during the times of liquidity constraints.
Chapter 1
1.1: Introduction
Almost all of the industrial enterprises whether they are into manufacturing, trading or service sector need bank finance in order to run the businesses. So everyone approaches the bank at some point of time for business loan whether it is for running day to day business or for setting up of a new project. A banker appraises the proposal and then decides whether to lend the money or not. Some tips on what goes behind the credit appraisal of the proposal by the banker.
Credit Appraisal It is the process of appraising the credit worthiness of a loan applicant. Factors like age, income, number of dependents, nature of employment, continuity of employment, repayment capacity, previous loans, credit cards, etc. are taken into account while appraising the credit worthiness of a person. Every bank or lending institution has its own panel of officials for this purpose.
s
1.2: Objective of the study
The main objective of the research is to understand the concept of credit (Loan) appraisal. What is the definition of credit appraisal? How can it function and control? What are the important things in credit appraisal? How banks can control NPA with nil?
Through this project we can also analyze banking industry. What are the challenges this industry is facing. I also included overview of banking sector as well as types of bank.
I choose ABHYUDAYA CO-OPERATIVE BANK for my study of CREDIT APPRAISAL. It is the lending urban co-operative sector bank. They perform in credit appraisal and control NPA in very good manner. That why it is interesting to know how they able to do this one,
1.3: Company profile
Abhyudaya Co-op. Bank Ltd., one of the leading Urban Co-operative Banks in India, in its outlook and approach, has the objective of progress and prosperity of all. From a humble beginning in January 1964 as a Co-operative Credit society with a share capital of a merely Rs.5,000/- held by 83 members, today Abhyudaya Co-op bank has become one of the large Urban Co-operative Banks with a "Scheduled Bank" status. The bank has been converted into a “Multi-State Scheduled Urban Co-op. Bank “w.e.f. 11th January, 2007. The area of operation which was restricted to the State of Maharashtra has now been extended to Karnataka State. Currently, the capital base of the bank stands at Rs. 45.78 crores and Reserves and surpluses at Rs.671.95 crores as on 31.03.2009. The bank has 1, 23,011 members and more than 12 lakhs depositors. The Bank has seen a tremendous growth in deposits. The deposits of the bank are over Rs. 3174.81 crores as on 31.03.2009, which were Rs. 2625.51 crores as at the end of the financial year 2008. The loans and advances stood at Rs. 1856.39 crores as on 31.03.2009. The bank had posted a net income of Rs. 92.36 crores as on 31.03.2009. “The growth rate of the bank compares well with that of others in the sector. The Bank has maintained a steady growth. The bank has been paying dividend @ 15% to its members which is maximum permissible as per the MCS Act.
The Bank has launched different loan schemes tailor-made to suit the needs of various customers. The schemes aim at providing loans for purchase or construction of residential premises, repair/renovation of house property, purchase of car, seeking higher education and for purchase of household consumer durable. One of the loan schemes, viz. "Udyog Vikas Yojana" is specially designed for the benefit of small entrepreneurs and businessmen. The procedure for sanctioning of loans under the schemes has been simplified and relaxed with a view to attract new customers and facilitating speedy sanction of loans. The Bank has total 75 branches including a Mobile Bank at Navi Mumbai. Bank is committed to spread network of branches throughout the State and provide much needed banking services to the population, which has been deprived of the banking facilities.
Innovative Banking is another area of operation that Abhyudaya is currently focusing on for a sustainable long term growth. The Bank has always endeavored for providing satisfactory customer service with the help of the latest technology. The Bank has provided fully computerised services to its valued clients. Bank is offering 11 Hours fully computerised services at 15 branches and 24 hours ATM service at 42 branches.
Milestones:
1964- Established as Co-operative Credit Society.
1965- Converted into a Bank with one Branch at Abhyudaya Nagar.
1985-Inauguration of Bank’s own Building, Staff Training College and Auditorium at
Vashi, RBI Permitted the Bank to open and maintain NRI Accounts.
1986 - Instituted Educational Prizes to the children of Members and Employees.
Became 3rd Biggest Urban Co-op. Bank in India.
1988 - Became Scheduled Bank.
1990 - Inauguration of Bank’s own Building at New Panvel.
1995- Decision to set up “Development Reserve Fund” to undertake special schemes.
1997- All Branches fully computerized.
1999- Eleven Hours & Sunday Banking started in 16 Branches.
2000- ATM installed at 3 branches.
2003- Opened 40th Branch with ATM Facility & 11 hours and Sunday banking
At Lokmanya Nagar (Thane).
2004- Started RTGS and NDS Facilities.
2006- Merger of Citizen Co-operative Bank Ltd., with 13 branches.
2007- Registration of the Bank under “Multi-State” Co-Op Societies Act on
11th Jan., 2007.
2008- Merger of Shri Krishna Co-operative Bank Ltd, Vadodara
- Merger of Janata Sahakari Bank, Udupi
- Foreign Exchange Department we inaugurated
2009 - Opened Bhayander branch And Dahisar branch
Opened recovery call centre at Parel
Overview of Financial Structure of Abhyudaya Co-op Bank Ltd.
(Amt. in Lacs)
31.03.2006 31.03.2007 31.03.2008 31.03.2009
Paid up
Share Capital
2628.00
3232.00
4046.00
4577.00
Reserves
48816.00
61993.00
62965.00
67195.00
Deposits
183587.00
215498.00
262550.00
317481.00
Loans & Advances
91487.00
128395.00
161610.00
185639.00
Gross Profits
8848.00
7890.00
12607.00
17587.00
Net Profits
7270.00
1875.00
4081.00
9236.00
Working Capital
244870.00
299197.00
343428.00
412215.00
Investments
137573.00
137634.00
142072.00
188320.00
Membership (Nos.)
1,12,523
1,17,139
1,20,577
1,23,011
The deposits have grown to Rs.3174.81 crores at the previous year end and registered a growth of 11.5%. Advances have grown by 16.7% and gone up by Rs.1856.38 crores. As a result bank has achieved a CD ratio of 49.83%.
Paid up Capital of the Bank increased from Rs.40.46 crores to Rs.45.78 crores, registering a growth of 17.22% over the previous year. The Reserves and other funds have increased from Rs.629.65 crores to Rs.671.95 crores in the previous year. The working capital have grown to Rs. 2991.97 crores at the previous year end and registered a growth of 10.92%.
The net profit has increased from Rs. 40.81 crores to Rs. 92.36 crores.
Capital to Risk Assets Ratio-
Movement of CRAR As on 31.3.2008 As on 31.3.2009
Capital Adequacy Ratio 23.94% 26.42%
Tier I Ratio 18.83% 21.24%
Tier II Ratio 5.11% 5.18%
NPAs
NPAs As on 31.3.2008 As on 31.3.2009
Gross NPAs Rs. 20417.84 lacs Rs. 25756.54 lacs
Net NPAs NIL NIL
Chapter 2
RESEARCH METHODOLOGY
The purpose of research is to discover answer to the questions through the application of scientific procedures. The main aim of research is to find out the truth which is hidden and which has not been discovered as yet. Though each research study has its own Specific purpose, we may think of following broad categories:
To gain familiarity with a phenomenon or to achieve new insights Into it.
To portray accurately the characteristics of a particular individual, Situation or a group.
To determine the frequency with which something occurs or with which it is associated with something else.
Research methodology is a way to systematically solve the research problem. It may be understood as a science of studying how research is done scientifically. In it we study the various steps that are generally adopted by a researcher in studying his research problem along with the logic behind them.
Research methodology has many dimensions and research methods do constitute a part of the research methodology. The scope of research methodology is wider than that of research methods. Thus, when we talk of research methodology we not only talk of the research method but also consider the logic behind the methods we use in the context of our research study and why we are using a particular method or technique and we are not using others so that research results are capable of being evaluated either by the researcher himself or by other. Why a research study has been undertaken, what data have been collected and what particular method has been adopted, why particular technique of analyzing data has been used and a host of similar other question are usually answered when we talk of research methodology concerning a research problem or study.
Research is often described as active; diligent and systematic process of inquiry aimed at discovering, interpreting and revising facts. This intellectual investigation produces a greater understanding of events, behaviors or theories and makes practical application through laws and theories. In other words we can say the purpose of research is to discover answer to the questions through the application of scientific procedures. The main aim of research is to find out the truth which is hidden and which has not been discovered as yet.
To carry out my project I have used the descriptive research.
Descriptive research includes survey and fact finding enquiries of different kinds. The major purpose of descriptive research is description of the state of affairs, as it exists at present. The main characteristic of this method is that the researcher has no control over the variable; he can only report what is happening. It is also called as ex post facto research. Most ex post facto research projects are used for descriptive studies in which researcher seeks to measure such items as, for example, frequency of shopping, preferences of people, or similar data. Descriptive research also includes attempts by the researcher to discover causes even when they cannot control the variables. The methods of research utilized in descriptive research are survey method of all kinds.
WHY DESCRIPTIVE RESEARCH?
In this case descriptive research was most suitable because it helped in giving focus to the preferences, knowledge, beliefs & satisfaction of a group of people in a given population and characteristics of the successful and unsuccessful companies. Moreover it helped in determining the relationship between two and more variables.
DATA SOURCE
To carry out the project work I have consulted the various secondary sources of data such as Magazines, Journals and websites.
Chapter: 3
Review of Literature
Chapter: 4
4.1: BANKING SECTOR- AN OVERVIEW
Banking in India originated in the last decades of the 18th century. The oldest bank in existence in India is the State Bank of India, a government-owned bank that traces its origins back to June 1806 and that is the largest commercial bank in the country. Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally took over these responsibilities from the then Imperial Bank of India, relegating it to commercial banking functions. After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. In 1969 the government nationalized the 14 largest commercial banks; the government nationalized the six next largest in 1980.
Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector banks (that is with the Government of India holding a stake), 31 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 38 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs. According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18.2% and 6.5% respectively
Indian Banking sector is dominated by Public sector banks (PSBs) which accounted for 72.6% of total advances for all SCBs as on 31st March 2008. PSBs have rapidly expanded their foot prints after nationalization of banks in India in 1969 and further in 1980. Although there is a restrictive entry/expansion for private and foreign banks in India, these banks have increased their presence and business over last 5 years.
Peculiar characteristic of Indian banks unlike their western counterparts such as high share of household savings in deposits (57.4% of total deposits), adequate capitalisation, stricter regulations and lower leverage makes them less prone to financial crisis, as was seen in the western world in mid FY09.
The Scheduled Commercial Banks (SCBs) in India have shown an impressive growth from FY04 to the mid of FY09. Total deposits, advances and net profit grew at CAGR of 19.6%, 27.4% and 20.2% respectively from FY03 to FY08. Banking sector recorded credit growth of 33.3% in FY05 which was highest in last 2 and half decades and credit growth in excess of 30% for three consecutive years from FY04 to FY07, which is best in the banking industry so far. Increase in economic activity and robust primary and secondary markets.
A significant improvement in recovering the NPAs, lowest ever increase in new NPAs combined with a sharp increase in gross advances for SCBs translated into the best asset quality ratio for banking sector in last two decades. Gross NPAs to gross advances ratio for SCBs decreased from the high of 14% in FY2000 to 2.3% in FY08.
The law governing Banking Activities in India is Called “Negotiable Instruments Act 1881”. The banking activities can be classified as:
• Accepting Deposits from public / other (Deposits)
• Lending money to public (Loans)
• Transferring money from one place to another (Remittances)
• Acting as trustees
• Acting as intermediaries
• Keeping valuables in safe custody
• Collection Business
• Government Business
Banking Segment in India functions under the umbrella of Reserve Bank of India – the regulatory, central bank. This segment broadly consists of:
Commercial Banks
Co-operative Banks
Commercial Banks:
In 1969, fourteen major commercial banks were nationalized. In 1980, six more commercial banks were nationalized. The State Bank of India and its subsidiaries are also own by the central government. After this amendment the existing structure has evolved in
Public sector
Private sector
Public sector banks have either the Government of India or Reserve Bank of India as the majority shareholder. This segment comprises of:
State Bank of India (SBI) and its subsidiaries.
Other nationalized banks.
Private sector banks consist of
Scheduled Commercial Banks
Unscheduled Banks
Scheduled commercial Banks Constitute those banks which have been included in the Second Schedule of Reserve Bank Of India (RBI) Act, 1934. RBI in turn includes only those banks in this schedule which satisfy the criteria laid down vide section 42 (60 of the Act. Some co-operative banks are scheduled commercial banks albeit not all co-operative banks are. Being a part of the second schedule confers some benefits to the bank in terms of access to accommodation by RBI during the times of liquidity constraints.
jitenmazee
Banned
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