Transcript the Presentation

Future Direction of Indian
Banking and Career
Opportunities in Banking
Sector
By
M.V Tanksale,CE,IBA
Indian Banking- Players
Public Sector Banks
27
Private Sector Banks
23
Foreign Banks
46
RRBs
56
Market Share
RRBs
Frg
2.75
4.56
Pvt
19.09
Co-op Banks
UCBs
55
Rural credit societies (in
000s)
Differentiated Banks
Yet to be
operational
Payment Banks
11
Small Banks
10
public
73.59
Indian Banking- Facts
Channels & Outlets
Penetration
1100000
Bank Deposit 68% of
GDP. Stood at ₹91 lakh Crs
Bank Credit 52% of GDP.
Stood at ₹ 68 lakh Crs.
2,85,000
1,26,000
Bk Branches
Investments stood at
₹ 26 lakh Crs.
1,81,000
ATMs
BCs
POS
Population per Branch =
10,800
Indian Banking- Exposure
20.57
13.34
Agri
Industry
services
personal
22.98
43.11
Challenges
• Risk Management – Credit/Market/Operational Risks.
• Capital to meet the growing needs of the country and Basel III.
• Stressed Assets and Management of NPAs
•
People – Specialized and skilled staff. HRM Management.
•
Differentiated Banks and adjustments in the Banking Landscape.
•
Robustness of the system to detect fraud and money laundering.
•
Leveraging technology to improve the productivity.
•
Technological
Commerce,etc .
Devts
– Disruptive Innovations – Fintech/E-
Opportunities
 Upward growth of the Indian Economy in the next 3-5 Years.
 Greater Demand for Skilled & Talented personnel particularly
Banking, Financial Services and Insurance Sector.
 Analytical Skills , logical bent of mind with forecasting abilities, the
ability to investigate or translate numeric or fiscal information to
trends, awareness of economic or financial scenarios are imperative
to excel in a career of finance.
 Para Banking Activities –Insurance, Mutual Funds and Pension
products of third parties . Cross Selling of Products. Fee Income of
Banks.
 Exposure in all verticals Corporate, retail , treasury, Agriculture etc
Opportunities
 Public Sector Banks have presence in all geographic regions of the
country, have good branch network, hence sufficient exposure in all
geographic regions.
 Private banks offer equally competitive exposure.
 Challenging opportunities in all verticals of the Indian Banking Sector
 Corporate Segment
 Retail Segment,
 Priority Sector
 Educational Sector
 SME Segment
 Specialised Areas like Treasury
 Risk Management, Economic Research
 HR Management
 Parabanking Activities
 Scope for innovation and opportunities to move up in career for
Management Students in Financial Sector.
Financial Inclusion
• India has 6 lakh unbanked villages.
• Bank-led Financial Inclusion -Flagship Programme of the Government –
PMJDY
•
Pradhan Mantri Jan Dhan Yojana successfully accomplished. 19.34
crores accounts opened. ₹ 26,956 crore deposits mobilised.
• Pradhan Mantri Jan Suraksha yojana launched . Aims to offer
insurance and pension services to the masses. 9.17 crs Suraksha Bima
Policies and 2.86 crores Jeevan Jyoti Bima Policies opened.
• Direct Benefit Transfer already in vogue. All subsidy payments are
routed through bank accounts.
• For KYC- Aadhar is being used.
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ROLE & RESPONSIBILITY OF
FUTURE BUSINESS LEADERS
 What does Business School contributes?
 Business Schools create Entrepreneurs & Leaders.
 What is expected of MBAs of Business School?
 What would be our role in shaping our world?
 What kind of a generation of leaders will it take to tackle problems
of inclusive growth, sustainable growth amidst challenges posed by
uncertainties of several kinds Economic uncertainty
 Political uncertainty
 Environmental uncertainty
ROLE & RESPONSIBILITY OF
FUTURE BUSINESS LEADERS


India Needs Entrepreneurs
Management Students To Choose Between Consultancy And
Entrepreneurship

Banks To Supplement With Finance/Capital

Bring Best Global Practices

Good Governance

Business Ethics & Values
Public Banks and Private Banks are equal in terms of
opportunity, but competition within the bank is pronounced in
Private than in Public.
Young people are fit to invent than to
judge; fit for execution than for counsel;
and fit for new ideas than for clichés.
SUCCESS MANTRA FOR A LEADER:
For true success ask yourself these
four questions; Why? Why not ?Why
not me? Why not now?
THANK YOU