Basics Of Banking
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The document discusses opportunities in the banking sector and describes a BFSI Club for students interested in careers in banking and finance. The BFSI Club, composed of 15-20 diverse students, aims to provide learning outside the classroom through connecting with industry experts. Students in the club would discuss daily job issues, conduct case studies, work on industry projects, and gain internship and placement opportunities, in order to integrate conceptual knowledge with skills development for BFSI careers.
Basics Of Banking
- 1. Let your career shine bright under the spotlight of opportunities in Banking sector @factsntactswww.brightwayslearning.in Basics of Banking
- 2. Himesh Sharma Industry Exposure – 17 Years •Tata Motors Finance – AVP – Sales and Business Development – Retail Assets - 2008 – 2014. •ICICI Bank – Area Head – Sales – Retail Advances and Cross Selling – 2004- 2008. •TVS Sundaram – Business Development – Retail Loans & TPPs – 1997-2004. Training: Certifications & Experience: •Imparted trainings to new joinees of ICICI Bank though their IMPACT program on product knowledge and business etiquettes. •Certified Trainer in Tata Motors Finance on product training. •Certified Trainer from Manipal – City & Guilds for BFSI certification. •Accredited Management Teacher – from AIMA for Marketing of Financial Services. •Doctorate in Management ( PhD) – Thesis submitted – 2014 – HPUBS. @factsntactswww.brightwayslearni Profile
- 3. Chief Economic Advisor Sensex / NIFTY Magic of compounding Finacle Small & Payments Banks KYC We understand your world Inflation Cibil Dosaeconomics @factsntactswww.brightwayslearni Questions ?
- 4. Rs 110000 / 55 = 2000 Rs 108000 / 52.75 = 2048Rs 108000 / 52.75 = 2048Bank Interest rate @ 8% = 100000 ( p) + 8000 (i) Inflation @ 5.5% Price of Dosa = 52.75 per dosa Total Dosa he can buy with interest = 152 Bank Interest rate @ 8% = 100000 ( p) + 8000 (i) Inflation @ 5.5% Price of Dosa = 52.75 per dosa Total Dosa he can buy with interest = 152 Bank deposit of Rs 100000/- @ 10% = 100000 ( P) 10,000 ( i) Inflation @10% Price of Dosa = Rs 55 per dosa Total Dosas he can buy now with his interest = 10000/55 = 182 Bank deposit of Rs 100000/- @ 10% = 100000 ( P) 10,000 ( i) Inflation @10% Price of Dosa = Rs 55 per dosa Total Dosas he can buy now with his interest = 10000/55 = 182 Say the pensioner wants to buy dosas and at the beginning of the period Cost of Dosa = Rs 50 per dosa. Total savings = Rs. 1,00,000. Total Dosas he can By = 2,000 Say the pensioner wants to buy dosas and at the beginning of the period Cost of Dosa = Rs 50 per dosa. Total savings = Rs. 1,00,000. Total Dosas he can By = 2,000 But wait a minute. Remember, he gets his principal back also and that too has to be adjusted for inflatBut wait a minute. Remember, he gets his principal back also and that too has to be adjusted for inflati @factsntactswww.brightwayslearni Dosaeconomics
- 5. • India has a diversified Banking , Financial Services& Insurance sector, which is undergoing rapid expansion. The sector comprises commercial banks, insurance companies, non-banking financial companies, co-operatives, pension funds, mutual funds and other smaller financial entities including recently launched SMALL & PAYMENT BANKS. • The banking industry in India has the potential to become the fifth largest banking industry in the world by 2020 and third largest by 2025 according to a KPMG-CII report. • Over the next decade, the banking sector is projected to create up to two million new jobs, driven by the efforts of the RBI and the Government of India to integrate financial services into rural areas. Also, the traditional way of operations will slowly give way to modern TECNOLOGY & FINANCIAL INNOVATION. • Banks have opened 17.74 crore accounts under the Pradhan Mantri Jan Dhan Yojana (PMJDY) till December 31st 2015 with deposit base of 22000 Cr. of rupees showing a concerted effort of GOI for FINANCIAL INCLUSION. • Total banking sector credit is anticipated to grow at a CAGR of 18.1 per cent to reach US$ 2.4 trillion by 2017. The total banking assets in India touched US$ 1.8 trillion in FY13 and are anticipated to cross US$ 28.5 trillion in FY25. • The total market size of the insurance sector in India was US$ 66.4 billion in FY13 and is expected to breach the US$ 350–400 billion mark by 2020. References: Media Reports, Press releases, RBI DocumentsNew Products, New Markets, New Players, Innovative Techniques , New Customer Behaviors, Shrinking Margins, Risk Management – Specialized Human Resources. New Products, New Markets, New Players, Innovative Techniques , New Customer Behaviors, Shrinking Margins, Risk Management – Specialized Human Resources. @factsntactswww.brightwayslearni BFSI Overview
- 6. BANKS / NBFCs Insurance and MF Cos Intermediary/ Broking Cos HDFC Bank AXIS Bank ICICI Bank INDUS IND Bank YES Bank TATA Capital Reliance Capital Mahindra Finance Future Capital Bajaj Finance L&T Finance ICICI Prudential Allianz ICICI Lombard BIRLA SUNLIFE TATA AIA BHARTI AXA Sundarm Mutual TATA Mutual Prudential Franklin Templeton SBI Mutual ICICI Securities HDFC Securities AXIS Securities KOTAK Securities Edelweiss Share khan Angel Broking Anand Rathi TATA Securities SMC Special Opportunities to develop Entrepreneurs and Self Employed Professionals Risk Management Cos AXIS - Genpact Aon Risk Solutions Risk Pro India Insure Sunlife Risk Sol KPMG RMS PWC Almus Risk consulting Hill & Associates @factsntactswww.brightwayslearni Key Players
- 7. Function Percentage of people Sales & Marketing Credit & Operations Entrepreneurs and SEP New business generation Relationship Management Marketing & promotion Proposal preparation and presentation New Product design & Strategy Development • Transaction Processing • Underwriting • Data Analytics and Innovation • Branch operations • Customer servicing • Credit Analysis & Risk Management • Wealth Advisors •DSAs •Insurance Brokers •CSC • Stock Traders •MF distributers •Financial Literacy Distribution Matrix of such resources Operations 45-50% Sales & Marketing 35-40% Entrepreneurs 10-15% Total 100% @factsntactswww.brightwayslearni Typical Careers in BFSI
- 8. Let your career shine bright under the spotlight of opportunities in Banking sector SOP BFSI Club is a group of 15-20 students from diverse backgrounds with a mix of both semesters, who are willing to pursue career primarily in BFSI domain. The club is supported with faculties and mentors from industry where most the learning happens outside classroom with an aim to integrate conceptual knowledge with skills developing BFSI specific expertise. This is achieved by connecting students with domain experts, discuss day today job related issues, do case studies and working on the projects from industry, leading to better internship & placement opportunities. SOP BFSI Club is a group of 15-20 students from diverse backgrounds with a mix of both semesters, who are willing to pursue career primarily in BFSI domain. The club is supported with faculties and mentors from industry where most the learning happens outside classroom with an aim to integrate conceptual knowledge with skills developing BFSI specific expertise. This is achieved by connecting students with domain experts, discuss day today job related issues, do case studies and working on the projects from industry, leading to better internship & placement opportunities. @factsntactswww.brightwayslearni BFSI Club
- 9. • Understand the BFSI sector • Gather & share information through SM networking • Know about the various organizations • Various roles available - JD • Understand the hiring process • Interact with various functional heads • Industry visits, working as shadow managers • Internship -> Pre-placement -> Final Offers @factsntactswww.brightwayslearni Club working
- 10. Branch Banking & Operations Marketing of Financial Services Banking Financial Innovation Stock & derivatives Consumer Lending TPPs & Channel Managemen t Corporate Finance @factsntactswww.brightwayslearni Key Modules Professional Competency for Managers for Pre & Post Job situations Planning Organizin g Leading Control Personali ty Expressio n Awarene ss Problem Solving