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    Indian Banking and Financial Services Industry

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    Souradeep Sanyal
    The Indian banking sector faces both challenges and opportunities. Rising non-performing assets is generating high risk for banks but also opportunities for growth. Simultaneously, the growth of digital banking is opening new avenues. Government policies aim to address the challenge of bad loans while expanding access to banking and financial services.

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    Indian Banking and Financial Services Industry

    Uploaded by

    Souradeep Sanyal
    686 views16 pages
    The Indian banking sector faces both challenges and opportunities. Rising non-performing assets is generating high risk for banks but also opportunities for growth. Simultaneously, the growth of digital banking is opening new avenues. Government policies aim to address the challenge of bad loans while expanding access to banking and financial services.

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    Bank and NPA

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    Indian Banking and Financial Services Industry (1) (1)

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    The Indian banking sector faces both challenges and opportunities. Rising non-performing assets is generating high risk for banks but also opportunities for growth. Simultaneously, the growth of digital banking is opening new avenues. Government policies aim to address the challenge of bad loans while expanding access to banking and financial services.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    686 views16 pages

    Indian Banking and Financial Services Industry

    Uploaded by

    Souradeep Sanyal
    The Indian banking sector faces both challenges and opportunities. Rising non-performing assets is generating high risk for banks but also opportunities for growth. Simultaneously, the growth of digital banking is opening new avenues. Government policies aim to address the challenge of bad loans while expanding access to banking and financial services.

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    You are on page 1of 16

    INDIAN BANKING AND FINANCIAL

    SERVICES:

    CHALLENGES AND OPPORTUNITIES

    GROUP 9 – SECTION D

    AKANKSHA GUPTA 201822051


    SOURADEEP SANYAL 201822082
    TEJASVEE NAGPAL 201822089
    VEDANT DHAMDE 201822093
     India‘s banking sector is currently valued at Rs. 81 trillion (US$
    1.31 trillion). It has the potential to become the fifth largest
    banking industry in the world by 2020 and the third largest by
    2025.
     India‘s banking system has several outstanding achievements to
    its credit. The Banks are the main participants of the financial
    system in India. The Banking sector offers several facilities and
    opportunities to their customers. All the banks safeguards the
    money and valuables and provide loans, credit, and payment
    services, such as checking accounts, money orders, and cashier‘s
    cheques. The banks also offer investment and insurance products.
    HIGH TRANSACTION COST

    REVOLUTION IN INFORMATION TECHNOLOGY

    TIMELY TECHNOLOGICAL UPGRADATION

    INTENSE COMPETETION

    NON PERFORMING ASSET


    UNDERMINE BANK’S IMAGE

    EFFECT ON FUNDING

    DECLINING PRODUCTIVITY

    EFFECT ON INCOME

    EFFECT ON ROI AND PROFITABILITY

    ULTIMATE BURDEN ON SOCIETY


    GOVERNMENT POLICY : CHALLENGES AND
    OPPORTUNITIES

     INSOLVENCY AND BANKRUPTCY CODE BILL


     PMJDY
     PRADHAN MANTRI MUDRA YOJANA
     PRADHAN MANTRI SURAKSHA BIMA YOJANA
     BANK RECAPITALISATION TARGET AT Rs 65000 Crore
    KEPT UNCHANGED IN THE CURRENT YEAR.
     The NBFCs in India have gone through a remarkable evolution over
    the past few years. They are recognized as one of the critically
    important components of the financial system and have shown
    consistent growth year after year. NBFCs play a major role in the
    core expansion of infrastructure, transport, employment generation,
    wealth creation opportunities, and financial support for economically
    weaker sections; thereby, making a significant contribution towards
    the overall development of the country.
     Non-banking finance companies in India are expected to see an 18
    per cent compounded annual growth rate (CAGR) for the next two
    and a half years and raise their share in total credit to 19 per cent by
    2020, according to rating agency Crisil.
    •Rising NPA is generating a high risk
    1 situation.

    •Simultaneously there is a huge opportunity


    2 for banking industry especially in India

    •Rising Trend of Digital banking is opening


    3 up new avenue.
     “The Problem of Rising Non-performing Assets in Banking Sector in India:
    Comparative Analysis of Public and Private Sector Banks”- Dr Raj Kumar
    Mittal and Mrs Deeksha Sunneja
     “Indian Banking Industry: Challenges and opportunities”- Dr Krishna A
    Goyal and Vijay Joshi
     “Challenges and Opporunities in Indian Banking Sector”- Dr Javed Iqbal
    and Mr. Firdous Ahmad qazi
     https://tradingeconomics.com/india/loan-growth
     https://www.google.com/search?q=structure+of+banking+in+india&rlz=1C
    1CHBD_enIN759IN759&tbm=isch&source=iu&ictx=1&fir=iQagB2m1O6
    56GM%253A%252CnIXVkO3DSdTsAM%252C%252Fm%252F0h52pmv
    &vet=1&usg=AI4_-kT0iVajOVtUZ6jSi8z3ZD88-
    Hq_Iw&sa=X&ved=2ahUKEwjhhr3B8-
    zgAhXIXysKHTi7AuMQ9QEwAHoECAUQBg#imgdii=HzsnFcxXW0Wu
    PM:&imgrc=iQagB2m1O656GM:&vet=1
     https://www.livemint.com/Opinion/7HaJ757NznaDXqFtf0ho4I/Effects-of-
    regulatory-intervention-in-banking.html

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