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Analysis of the Indian banking sector

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  1. Introduction
  2. An overview of Indian banking industry
  3. Economic analysis
  4. Current problems of Indian economy
    1. Inflation
    2. Surplus liquidity
    3. Appreciating Rupee
  5. Government bonds and securities
  6. The importance of foreign exchange market
    1. Reserve Bank of India's take on foreign exchange market
    2. The current scenario of foreign exchange market
  7. External Commercial Borrowings (ECB) Policy 2007
    1. Impact on Indian market
  8. A review of Indian banking industry
  9. Global effect on Indian banking sector
  10. Banks investment in Bollywood
  11. Banks investment in Agriculture
  12. Company analysis
  13. Ratio analysis
  14. Trend analysis
  15. Conclusion
  16. Bibliography

This project focuses on the recent scenario of the Indian banking sector. To analyze the industry's growth and position, we have divided it into three sections. In the first section we have studied the Indian economy; second section is on banking industry in India; and the third section is the analysis of ICICI BANK. The first section gives a larger view of direction of the Indian economy vis-a-vis global scenario, the various policies and events that are prevailing in the economy. And a special emphasis has been made on how these events, such as inflation, policies of RBI, etc on commercial banks. The next section lists the different categories of banks in India, the development of banking industry, the present scenario of various banks and the industry in general. Lastly, we have given a microscopic view of ICICI bank in order to understand commercial banks and their functioning. While the global economy is expected to grow at 4.9 percent, Indian economy is expected to grow at a slightly lower rate of nine per cent during this fiscal 2007-08(lower as compared to last quarter of 2006-07) even as inflation rate will moderate to four per cent (after a hike until almost 6percent). India's gross domestic product (GDP) had expanded by a robust 9.4 per cent in 2006-07. Prime Minister's Economic Advisory Council projected an export figure of $147 billion, against the government's target of $160 billion for the financial year 2007-08.

[...] In the recent past, the Indian Finance Ministry has been discussing with central bank, the RBI, ways of using part of its FOREX for funding infrastructure projects. There have been moves like: Establishing wholly-owned overseas subsidiaries of the government-owned India Infrastructure Finance Company (IIFCL) and Central Bank to lend a small part of its reserves to Indian companies implementing infrastructure projects to meet part of their capital expenditure abroad such as import of equipment etc. But this thought process had invited its own criticism as under: The reserves though look sufficient, may be required in case of any financial crises, import cover for a reasonable period or in case of a war. [...]


[...] ICICI, the country's second-biggest lender, is going to raise $ 1.5 billion of yen-denominated loan the biggest offshore loan for an Indian financial sector borrower. The loan will be raised in three different maturity types - one year, three- year and five-year loans - of equal sizes with the five-year portion being the longest maturing loan to be issued by ICICI. ICICI Bank jointly with IBM Corp and World Bank's private lending arm IFC will offer small and medium-enterprises in the country with an innovative online resource center - SME Toolkit - to help them start up, finance and grow their business. [...]


[...] Naturally, as the Indian economy undergoes structural changes, the causes of domestic inflation too have undergone changes. Today the functioning of the global economy is in a state of extreme imbalance. This is simply because developed western economies, particularly the United States, are consuming on a massive scale leading to gargantuan trade deficits. Thus while a set of developing countries produces, exports and also saves the proceeds by investing their forex reserves back in these countries, developed countries are consuming both the production and investment originating from the developing countries. [...]

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