Future Direction

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Future Direction  of Indian Banking and Career
Opportunities in Banking Sector By M.V
Tanksale,CE,IBA

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Indian Banking- Players
Market Share
Public Sector Banks 27
Private Sector Banks 23
Foreign Banks 46
RRBs 56
Co-op Banks UCBs 55 Rural credit societies (in 000s)
Differentiated Banks Yet to be operational
Payment Banks 11
Small Banks 10
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Indian Banking- Facts
Channels Outlets Penetration
Bank Deposit 68 of GDP. Stood
at ?91 lakh Crs Bank Credit 52 of
GDP. Stood at ? 68 lakh Crs. Investment
s stood at ? 26 lakh Crs. Population
per Branch 10,800
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Indian Banking- Exposure

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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 Devts Disruptive Innovations
  Fintech/E-Commerce,etc .

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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

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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.

8
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

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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.

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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?
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THANK YOU