Indian Banking System - OECD

Indian Banking System OECD-ppt Download

  • Date:14 Dec 2020
  • Views:2
  • Downloads:0
  • Size:164.00 KB

Share Presentation : Indian Banking System OECD

Download and Preview : Indian Banking System OECD

Report CopyRight/DMCA Form For : Indian Banking System OECD


Changing Profile of Household Sector Creditand Deposits in Indian Banking System Deepak MathurNovember 30 2010 Indian Banking System.
Commercial Co operative banks Commercial 90 of system s assets 170 commercial banks 166 scheduled 85 000 branches 45 000 ATMs 35 000 centres out of 675 000 habitats.
660 mn deposit and 110 mn credit accounts Deposits Rs 48 trillion Credit Rs 35 trillion Employment 1 million Basic Statistical Returns.
Statutory and non statutory returns Basic Statistical Return BSR system Deposits Credit Employment Investments BSR 1 Credit annual branch level Two parts.
Large accounts Account level data on severalcharacteristics Small accounts Branch level purpose wise data Survey of small loan accounts Basic Statistical Returns.
BSR 2 Deposits annual branch level Broad ownership Type of deposits Term deposits maturity Interest rate BSR 4 sample survey annual branch level Composition and ownership pattern of deposits.
Economic sectors Government Private Corporate Financial Household and Foreign Sectors Detailed sub sectors Type of deposits Current Savings Term Other returns Investments Debits to Deposit and Creditaccounts etc .
Basic Statistical Returns BSR 4 Survey of ownership pf deposits Annual Sample survey Branch level data Stratified sampling State UT Populationgroup Bank group Size deposits .
Ratio Estimator Type of Deposit account Economic Sectors Household sector saving estimation Basic Statistical Returns.
Household sector data Credit and Deposits Individuals accounts Males Females Singly or jointly with other individuals.
Unincorporated bodies Partnerships Proprietary concerns Trusts associations clubs etc Household sector Credit and Deposits Deposits High growth rates.
16 2 1991 2009 17 3 2001 09 Though lower than overall deposit growth Largest constituent of depositor base Share 80 5 in 1991 67 2 in 2001About 58 in recent years.
Individuals 90 in 1991 and 80 in 2009 Household sector Credit and Deposits Credit High growth rates 16 6 1991 2009 21 5 2001 09 Though lower than overall credit growth.
A major constituent of borrower base Share 56 3 in 1991 47 in 2006 07 44 in 2008 and 39 in 2009 Number of accounts1991 59 mn 62 mn total .
2009 104 mn 110 mn total Household sector Credit and Deposits Credit Deposit Ratio Household sector consistently lower Household sector.
1991 43 2006 07 57 59 2009 47 Total credit 1991 62 2006 07 70 72 2009 71 Differential 13 20 percentage points Household sector Credit Purpose.
Personal loans Housing Consumer durables vehicles others All other loans productive sectors Share of Personal loans in total creditNumber of accounts 1991 27 2009 65 .
Amount outstanding 1991 13 2009 43 Personal loans Growth1991 2009 25 5 2001 09 39 5 Household sector Credit Purpose Large accounts 1996 2009 .
Agriculture 10 Industry 1996 2001 35 2006 09 20 Trade 10 Professionals 10 Housing 1996 6 2006 09 25 Small accounts 2001 06 .
Agriculture 30 Industry 4 Personal loans 40 Household sector Credit Cost Size Weighted average interest rate.
Large accounts 1996 2009 In alignment with overall rate for all sectors No direct relationship 60 to 80 bps difference Small accounts 2004 06 .
Housing loans and Agriculture loans at lower rates Average size of loan amountHousehold sector loans average about 34 ofall loan accounts average amount Household sector Credit Type of account.
Short term accounts Cash credits overdraftsand demand loans Long term loans Medium term loans and longterm loans Increase in Long term accounts.
Number 1996 69 2009 77 Amount 1996 42 2009 67 Personal loans term loans Household sector Deposits Type of accountType of account.
Demand deposits Current and savingsdeposits Term deposits Fixed maturity Term deposits major share though declining 1991 61 2006 51 2009 58 Individuals sub sector similar trend.
Household sector recent years higherproportion in CASA deposits Household sector Term deposits MaturityMaturity of term deposits Data for individuals sub sector.
Original maturity Maturity brackets 1 year 1 3 years and 3 years Two thirds of deposits below 3 years maturity Share of maturity below 1 year declined Average maturity about 2 4 years 1996 2009 .
for all sectors Higher 1 9 years in 2009 Summary observationsHousehold sector 1991 2009 Consistently high growth in deposits andcredit though lower than overall.
Major share in banking system Deposits 58 79 of which individuals Credit 39 Credit Deposit Ratio 47 Net saver provider of funds.
Summary observations Personal Loans High and rising share 65 accounts 43 amount Housing loans 56 of personal loans Industry declining share 20 .
Agriculture 10 Other services 10 Cost of credit Similar to all loans Size per account one third of total credit Long term loans Increasing share Summary observations.
Deposits 44 of current deposits with banks 85 of savings deposits 52 of term deposits Decline in share of term deposits in totaldeposits Higher proportion of current and.
savings deposits Term deposits average maturity highercompared to all sectors Thank you dmathur rbi org in.
Changing Profile of Household Sector Credit and Deposits in Indian Banking System-Deepak Mathur November 30, 2010 * * Indian Banking System Commercial & Co-operative banks Commercial – 90 % of system’s assets 170 commercial banks (166 scheduled) 85, 000 branches, 45,000 ATMs 35,000 centres out of 675,000 habitats 660 mn deposit and 110 mn credit accounts Deposits: Rs. 48 trillion Credit ...

Related Presentations

India Unity Diversity Indian Culture Indian Music Indian

Languages of India: Water ( vann ) = Paani , jal , tani,neer,neeru,aab Urdu Punjabi Rajasthani Sanskrit-Hindi Gujarati Marathi Konkani Kannada Telgu -Tamil Malayalam Oriya Bengali Assamese Manipuri Agriculture & Food Main crops: rice, wheat, Pulses, tea, sugar cane, spices

17 Views0 Downloads

Data Publishing on Web 2 0 OECD org OECD

Data Publishing on Web 2.0 Leigh Dodds, Chief Technology Officer, Ingenta [email protected] 1st February 2007 Social Trends Spread of Broadband Increasingly ubiquitous connections A generation of “web natives” Living on the web Social networking; blogging; instant messenger Create, not just consume Some hard lessons about data ownership Don’t steal my data; don’t lock me in Business ...

24 Views0 Downloads

Decomposition of GDP per capita OECD org OECD

Territorial Indicators for Regional Policies Vincenzo Spiezia Head, Territorial Statistics and Indicators, OECD Territorial Indicators for Regional Policies Vincenzo Spiezia OECD – Territorial Statistics and Indicators OECD World Forum Palermo (Italy) 10 November 2004 OECD Territorial Development Committee Policy focus: to enhance regional competitiveness Working Party on Territorial ...

14 Views0 Downloads

Click to edit Master title style OECD org OECD

Agenda Item 10c OECD Globalisation Indicators OECD report Background The OECD has established a solid track record in the field of globalisation statistics and indicators Historically, OECD has put together a set of guidelines to compile foreign direct investment statistics in the early 80s published in the OECD Benchmark Definition of Foreign Direct Investment The OECD Handbook on Economic ...

16 Views0 Downloads

Vision de Endesa Latam 2020 OECD org OECD

Contra: Los programas de innovación que estén “aislados” pueden errar en el enfoque final o en la implementación final por la falta de incentivos o marco regulatorio adecuado No representa el punto óptimo para la sociedad Pro: Rentabilidad Contra: Baja participación en el esquema Débil en la mitigación de las emisiones en el largo ...

7 Views0 Downloads


From 1947-1990, there was impressive widening of the banking system but at the end of 1990 there was a general consensus that banking system has not become sound enough. In 1991, India faced a macro- economic crisis.

12 Views0 Downloads

Example Indian Institute of Banking and Finance

INDIAN INSTITUTE OF BANKING & FINANCE Risk Management –Module C ... CPs, IBPs; Securitisation and Forfaiting; Refinance and rediscounting facilities. Spot Trades-Settlement takes place two working days from the trade date. ... THANK YOU & BEST WISHES FOR AN OUTSTANDING PERFORMANCE IN THE EXAM * * Find out the CROSS rate for GBP/AUD 5 1.2289 1 ...

3 Views0 Downloads

An Overview Indian Institute of Banking and Finance

JAIIB-MODULE C IIBF – Latest Edition – Taxmann Publications Pvt.Ltd., Price Rs.345/- JAIIB - Work Book on Principles of Banking; Accounting & Finance for Bankers and Legal Aspects of Banking The Work book is intended to assist students appearing for JAIIB examination to gain an understanding on the type of questions that will be asked in the three subjects of JAIIB.

1 Views0 Downloads

Indian Banking IndustryA

Indian Banking Industry Segmentation. PSU banks majority stakes are held by the Government of India(GoI) & make up the largest category in the Indian banking system. Regional Rural Banks (RRBs); established during 1976-1987 & are owned jointly by the Central Government, concerned State Government and a sponsoring public sector commercial bank.

1 Views0 Downloads

Evolution of Security Standards in Indian Banking Industry

Evolution of Security Standards in Indian Banking Industry. V.Radha. IDRBT. The chronology of events (1999-2004) IDRBT set up INFINET. Hyperchat was the only application. Its VSAT based . Banks were using Novell based net applications. IP was enabled on INFINET and internal banks’ LAN could be connected.

1 Views0 Downloads

History of Indian Science Indian Institute of Technology

Cow was domesticated first in West Asia from where it migrated to India. (Epstein, H. & Mason, I. L., in Evolution of Domesticated Animals, ed. Mason, I. L., Longman, New York, 1984, pp. 6-27.) But Loftus (1994) found that Indian cow had been domesticated independently of West Asian influence.

21 Views0 Downloads

ECE integrated system OECD 200912

% Year 1 school students Decile 1 - 10 who attended ECE 83.10 89.10 91.30 94.40 96.10 97.40 97.50 97.70 98.50 99.00 4. by Territorial Authority 3. by Regional Council

13 Views0 Downloads