Chapter 4

Banks Profile
Trend of NPA
1. TOP TEN PUBLIC SECTOR BANKS PROFILE :

Public sector Units are those in which government holds majority stake,
i.e,. more than 50 % stake of an enterprise. It is also known as Public Sector Unit
(PSU). Government is the owner of the PSU, and is responsible for the managerial
control of the enterprise. Similarly, if the majority share of a bank is held by
the government (generally, central government, then it is known as Public Sector
Bank (PSB).

The Top Ten public sector banks are as per their market capitalization on BSE.
1. STATE BANK OF INDIA

SBI started with the establishment of the Bank of Calcutta (which later changed to
the Bank of Bengal) is 1806. Later in 1921, the other two banks, the Bank of
Bombay and the Bank of Madras, merged with the Bank of Bengal to form the
Imperial Bank of India.

SBI represents a sterling legacy of over 200 years. It is the oldest commercial Bank
in the Indian subcontinent, strengthening the nation’s trillion-dollar economy and
serving the aspirations of its vast population. The Bank is India’s largest
commercial Bank in terms of assets, deposits, branches, number of customers and
employees, enjoying the continuing faith of millions of customers across the
social spectrum.

SBI, headquartered at Mumbai, provides a wide range of products and services to

individuals, commercial enterprises, large corporates, public bodies and
institutional customers through its various branches and outlets, joint ventures,
subsidiaries and associate companies.

 SBI – Mission : The mission of State Bank of India is to retain the banks position
as the premier Indian financial services. It also aims to be a group with world class
standards and significant global business commitments to excellence in customer,
shareholder and employee satisfaction so as to play a leading role in expanding
and diversifying financial services while continuing emphasis on its development
banking role.
 SBI – Vision: The vision of State Bank of India is to be a premier Indian financial
services group with global perspective, world class standard of the efficiency and
professionalism and also its core institutional values, to retain its position in the
country as a pioneer in developing countries; It also aims to maximize its
shareholders value through high sustained earnings per share, To become an
institution with a culture of mutual care and commitment. It also focuses on a
pleasant working environment to have continuous learning opportunities.

 Branches : The corporate center of SBI is located in Mumbai. In order to cater to

different functions, there are several other establishments in and outside
Mumbai, apart from the corporate center. As on 31st March 2017, the bank
boasts of having as many as 14 local head offices and 57 Zonal Offices, located at
major cities throughout India. The SBI Group has about 18354 branches, well
networked to cater to its customers throughout India.

 Atm services : As on 31st March 2017, SBI provides easy access to money to its
customers through more than 59291 ATMs in India. The Bank also facilitates the
free transaction of money at the ATMs of State Bank of India as well as the
Associate Banks. The customers may also transact money through SBI Commercial
and International Bank Ltd by using the State Bank ATM-cum-Debit (Cash Plus)
card.

 Subsidiaries : There are six associate banks that fall under SBI, and together
these six banks constitute the State Bank Group. All use the same logo of a blue
keyhole all the associates use the "State Bank of" name followed by the regional
 headquarters' name. State Bank of India has the following six Associate Banks
(ABs) with controlling interest ranging from 75% to 100%.

1. State Bank of Bikaner and Jaipur (SBBJ)

2. State Bank of Hyderabad (SBH)

3. State Bank of Indore (SBIr)

4. State Bank of Mysore (SBM)

5. State Bank of Patiala (SBP)

6. State Bank of Travancore (SBT)

 Mobile Banking Services: State Bank of India has introduced the Mobile Wallet -
‘State Bank Buddy’ which can be easily downloaded on your mobile. The wallet
can be loaded using debit card, internet banking or IMPS. The App is available in
13 languages and can be used for paying bills, booking hotels or cinema tickets as
well as various other transactions without using cash.

 SBI-In-Touch: State Bank of India is the first Bank in India to introduce the concept
of digital banking with sbiINTOUCH. These branches operate on a self-service
model and you can open a savings bank account through account opening kiosks
in 15 minutes or less. State Bank of India has presently opened its sbiINTOUCH
branches at 3 locations across India and intends to expand the service to 250
additional branches across India.
 SWOT ANALYSIS

STRENGTH 1. SBI is the biggest bank in India

with more than 18354 branches.

2. State Bank Of India (SBI) has a

separate act for itself. Thus, a special
privilege for the bank
3. Biggest branch network in the
country means good reach
4. First public sector to move to CBS

5. SBI has close to 300,000 people

employed with it

6. Backing of the Govt of India gives a

huge boost to the bank

7. State Bank Of India offers services

like consumer banking, enterprise
banking, insurance etc

8. It has a good brand visibility and

awareness due to extensive
marketing

9. SBI has its presence in more than

35 countries with close to 200 offices
WEAKNESSES 1. Immense competition means
limited market share growth for SBI
2. International presence is less as
compared to global banks.
OPPORTUNITIES 1. Pool in talent to replace the going
top management to serve the next
generation
2. State Bank Of India (SBI) can make
better use of CRM, technology and
online space
3. Expansion into rural areas too
boost its business
4. With focus on India going cashless,
the bank can dominate the market
with its extensive reach.
THREATS 1. Consolidation among private banks
can reduce market share for SBI
2. New bank licenses by RBI can
affect operations
3. Foreign banks that have
sophisticated products
4. SBI operations are often disrupted
by slow government decisions and
red tapism.
2. BANK OF BARODA

Bank of Baroda (BOB) was established by Maharaja Sayajirao Gaekwad of Baroda

on July twentieth 1908, under the organizations Act of 1897, with a paid up
capital of Rs 10 lakhs. Its headquarters is in Vadodara.

The Bank of Baroda began by this amazing Maharaja has now made an
interpretation of in to a solid, reliable money related body. The originator
Maharaja Sayajirao Gaekwad, with his understanding in to the future saw "a bank
of this nature will demonstrate a helpful office for loaning, transmission, and
store of cash and will be an effective factor in the advancement of craftsmanship,
ventures and business of the state and connecting regions. On nineteenth July
1969 this bank was nationalized by the Govt of India alongside 13 other business
banks.

From that point forward bank has finished a momentous and fruitful voyage of
more than 100 years. Bank of Baroda has carefully arranged development,
including corporate knowledge, social pride, and the vision of helping other
people to develop, and developing itself thusly. Today Bank of Baroda has a
system of 5538 branches incorporating 72 abroad branches in nations like
Australia, Bahrain, Belgium, china, Ghana, Kenya, Malaysia, U.K, U.S.A, Singapore,
and Thailand etc. with 10441 ATMs as of July, 2017.

In mid eighties, the Bank of Baroda diversified in to areas of Merchant banking,

housing finance, credit cards and mutual funds. Bank of Baroda took the lead in
shifting from manual operating systems to a computerized work environment. It
gives high priority to quality services, with excellent customer service and a well
managed organization for each individual branch. In its quest for quality Bank of
Baroda successful in securing ISO 9001:2000 certifications

The BOB branch network was further extended to reach out to more people
through the ATMs, phone banking, and BOB online banking. It provided anytime,
anywhere banking solutions. Use of digital certificates, secure networking and
authentication through smart card, make online banking BOB extremely
convenient and secure

It has significant international presence with a network of 76 offices in 25

countries. “ The round the clock around the globe” BOB is further in the process
of identifying and opening more overseas centers for increasing its global
presence to serve its 36 million global customers in still better way. Bank will
emerge stronger, more resilient and positioned to become India's first bank of
truly global standards.

The bank orchestrated its business strategies around the centrality of the
customer. It diversified in to areas of merchant banking, housing finance, credit
cards and mutual funds. The new IT strategy, in the process of implementation
will see the deployment of core banking system, multi service transaction; switch
payment gateways all geared to deliver convenience banking. BOB offers various
products and services that meet the specific requirements of small and medium
business enterprises and help them to grow. Apart from the loans, deposits,
credit and debit cards BOB offer other services to make financial dealings easy
and convenient such as remittances, collection services, electronic clearing
services etc.
 BOB-Vision: A bank will demonstrate a gainful organization for loaning,
transmission, and store of cash what's more, will be an intense factor in the
improvement of workmanship, businesses and trade of the state and bordering
regions.

 BOB- Mission: To be a best positioning national saving money universal standard

focused on increasing partner an incentive through concern, care and capability.

 SWOT ANALYSIS
STRENGTHS 1. Bank of Baroda is one of the
biggest names in public sector
banking in India
2. Bank of Baroda offers number of
services and products offered by the
bank
3. CBS implementation in its
branches
4. International presence adds to the
credibility of Bank of Baroda

5. Strong legacy of the bank since its

inception in 1908

6. More than 50,000+ people are

employed with Bank of Baroda
 7. Acquisitions have strengthened
the position of the bank in the Indian
market

8. Bank of Baroda has more than

5000+ branches and 10000+ ATMs

9. Strong advertising and branding of

the brand

WEAKNESSES 1. Limited market share growth due

to intense competition

2. International presence of Bank of

Baroda is limited as compared to
global banks

OPPORTUNITIES 1. International branches of Bank of

Baroda give scope to expand in other
economies
2. Expansion in the rural areas to
include the unbanked and
underbanked
3. Bank of Baroda Caps can
contribute more to the revenues

4. Capturing the youth with internet

services and apps.
THREATS 1. New banking licenses by RBI can
affect operations
2. Foreign banks investing in huge
numbers can reduce market share of
Bank of Baroda

3. Online facilities are vulnerable to

data leaks and loss of confidential
information
3. PUNJAB NATIONAL BANK

Punjab National Bank, India's first Swadeshi Bank, initiated its operations on April
12, 1895 from Lahore, with an approved capital of Rs 2 lac and working capital of
Rs 20,000. The far-located visionaries and nationalists like Lala Lajpat Rai, Mr. E C
Jessawala, Babu Kali Prasono Roy, Lala Harkishan Lal and Sardar Dyal Singh
Majithia showed boldness in offering articulation to the soul of patriotism by
setting up the main bank simply overseen by the Indians with Indian Capital.

The bank was nationalized in July 1969 along with 13 other banks. Punjab
National Bank, with its corporate office at New Delhi and 18 zonal offices which in
turn supervise 65 regional offices under which the branches function, offers a
wide variety of banking services which include corporate and personal banking,
industrial finance, agricultural finance, financing of trade and international
banking. PNB is also ranked 248th amongst the top 1000 banks in the world
according to the banker London. In the long history of more than 122 years of the
Bank, 7 banks have converged with PNB and it has turned out to be more
grounded and more grounded with a system of 6937 Domestic branches and
10681 ATMs as on 31st March 2017.

Keeping in tune with changing times and to provide its customers more efficient
and speedy service, the Bank has taken major initiative in the field of
computerization. All the Branches of the Bank have been computerized. The Bank
has also launched aggressively the concept of "Any Time, Any Where Banking"
through the introduction of Centralized Banking Solution (CBS) and over 2409
offices have already been brought under its ambit
 Strong correspondent banking relationship which Punjab National Bank maintains
with over 200 leading international banks all over the world enhances its
capabilities to handle transactions world-wide. Besides, bank has Rupee Drawing
Arrangements with 15 exchange companies in the Gulf and one in Singapore.
Bank is a member of the SWIFT and over 150 branches of the bank are connected
through its computer-based terminal at Mumbai.

 Vision & Mission: To evolve and position the bank as a world class progressive,
cost effective and customer friendly institution providing comprehensive financial
and related services. Integrating frontiers of technology and serving various
segments of society especially the weaker sections: committed to excellence in
serving the public and also excelling incorporate values.
To provide excellent professional services and improve its position as a leader in
the field of financial and related services, build and maintain a tam of motivated
and committed workforce with high work ethos, use latest technology aimed at
customer satisfaction and act as an effective catalyst for socio economic
development.

 SWOT ANALYSIS :

STRENGTHS 1. Diversified operations with 5100

branches
2. Strong I. T support with “best fit”
approach
3. Schemes for small and medium
scale businesses
 4. It is the second largest state-
owned commercial bank in India with
about 5000 branches across 764
cities

5. Its 56,000+ workforce serves over

37 million customers

WEAKNESS 1. Less penetration in the urban

areas
2. Inadequate advertising and
branding as compared to other banks
3. Legal issues regarding employees
caused a bad name of PNB
OPPORTUNITY 1. Small scale business banking
across India
2. Expansion in other countries for
international banking
3. Installation of more ATM’s and
better customers services
THREATS 1. Economic crisis and economic
fluctuations
2. Highly competitive environment
3. Stringent Banking Norms by the
RBI and the Govts.
 4. CANARA BANK

Canara Bank which is widely known for its customer centricity was founded by
Shri. Ammembal Subbarao Pai a great Visionary and Philanthropist in July 1906, at
a small port in Mangalore, Karnataka. The Bank has undergone various phases in
its growth path over hundred years of its existence. The growth of Canara Bank
was phenomenal, especially after nationalization in the year 1969. Today Canara
Bank occupies a premier position in the largest nationalized Banks in India in
terms of aggregate business volumes for 2006-07.

On 31 March 2017, the bank had a system of 6085 branches and more than 10569
ATMs spread crosswise over India. The bank likewise has workplaces abroad in
London, Hong Kong, Moscow, Shanghai, Doha, Bahrain, South Africa, Dubai,
Tanzania and New York.

Canara Bank has made a distinctive mark in various corporate social

responsibilities, namely, serving national priorities, promoting rural development,
enhancing rural selfemployment through several training institutes, spearheading
financial inclusion objective etc.

The Bank is based on justifiable belief of “Global Bank with Best Practices". This
justifiable belief is founded on strong fundamentals, customer centricity,
enlightened leadership and a family like work culture.

 Vision & Mission: To emerge as a „Best Practices Bank‟ by pursuing global

benchmarks in profitability, operational efficiency, asset quality, risk management
and expanding the global reach. To provide quality banking services with
enhanced customer orientation, higher value creation for stakeholders and to
 continue as a responsive corporate social citizen by effectively blending
commercial pursuits with social banking.

The growth story of Canara Bank in its first century was due, among others, to the
continued patronage of its valued customers, stakeholders, committed staff and
uncanny leadership ability demonstrated by its leaders at the helm of affairs. The
Bank is based on justifiable belief of “Global Bank with Best Practices". This
justifiable belief is founded on strong fundamentals, customer centricity,
enlightened leadership and a family like work culture.

In 1995-96 became the first bank to be conferred with ISO 9002 certification for
one of its branches in Bangalore. In 2005-06 entered 100 years in banking service.
Canara Bank is also one of the leading Merchant Bankers in India, offering
specialized services to Bank. Canara Bank is SEBI registered Category I Merchant
Banker / Underwriter to carry on Issue Management (Public / Rights / Private
Placement Issues), Underwriting, Consultancy and corporate advisory services etc.
It also holds SEBI registration Certificate to act as "Bankers to an Issue" with
network of exclusive Capital Market Service Branches to handle “capital market”
related assignments.

 SWOT ANALYSIS :

STRENGTHS 1. Innovative scheme

2. Technologically advance
3. Articulation of good banking
4. Canara bank has employed over
44,000 people
 5. Canara bank made a partnership
with UNEP to initiate a successful
solar loan programme.

WEAKNESS 1. Inadequate Publicity

2. Low International presence

3. Customer service is lesser as
compared to other banks

OPPORTUNITY 1. Rural and social banking

2. Agriculture based consultancy

THREATS 1. Economic crisis

2. Highly competitive environment
3. Changing govt and RBI policies
5.CENTRAL BANK OF INDIA

Set up in 1911, Central Bank of India was the principal Indian business bank which
was entirely possessed and overseen by Indians. The foundation of the Bank was
a definitive acknowledgment of the fantasy of Sir Sorabji Pochkhanawala,
organizer of the Bank. Sir Pherozesha Mehta was the principal Chairman of a
genuinely 'Swadeshi Bank'. Truth be told, such was the degree of pride felt by Sir
Sorabji Pochkhanawala that he announced Central Bank of India as the 'property
of the country and the nation's advantage'. He additionally included that 'National
Bank of India lives on individuals' confidence and views itself as the general
population's own bank'.

The bank has 4730 branches, 5319 ATM's and 4 expansion counters crosswise
over 27 Indian states and three Union Territories. At present, Central Bank of
India has abroad office at Nairobi, Hong Kong .

CBI claims to be the first bank to be conferred with the national award for
excellence in macro and small enterprises lending for the year 2007-08.The bank
entered a partnership with Kotak Mahendra Assets Management Company in
December 2008, under which all the Kotak mutual fund products will be made
available in CBI branches.

Central Bank has been playing an increasingly active role in promoting the key
thrust areas of agriculture, small scale industries as also medium and large
industries. The Bank also introduced a number of Self Employment Schemes to
promote employment among the educated youth. Among the Public Sector
Banks, Central Bank of India can be truly described as an All India Bank, due to
 distribution of its large network in 27 out of 28 States as also in 4 out of 7 Union
Territories in India. In view of its large network of branches as also number of
savings and other innovative services offered, the total customer base of the Bank
stood at over 25 million account holders & which is one of the largest in the
banking industry

IT Enabled Financial Inclusion at Hoshangabad which will bring the financial

services to the door steps of those who are living in remotest parts of the country.
The Bank will deliver deposit, loan and other financial services by engaging
Business Correspondent, who will use hand-held mobile devices and issue Smart
Cards to the customers. In order to develop rural entrepreneurship, the Bank
launched a Rural Development and Self Employment Training Institute (Rudest) at
Hoshangabad. This is providing intensive entrepreneurship training to the rural
youth, to enable them to take to vocational activities.

 SWOT ANALYSIS :

STRENGTHS 1. Large network across India

2. Expertise in small and medium
enterprise banking
3. Active in Government schemes for
agro based and small scale industries
4. The bank has 3,500 branches and
270 extension counters across 27
Indian states
WEAKNESS 1. Personal banking in growing stage

2. Less international presence

3. Low advertising and brand

presence

OPPORTUNITY 1.Initiative for self-employment

amongst youth
2. Favourable Government schemes

THREATS 1. Fluctuating economic scenarios

2.Highly competitive environment
3. Policies of the government
 6.BANK OF INDIA

Bank of India was established on seventh September, 1906 by a gathering of

famous businesspeople from Mumbai. The Bank was under private possession
and control till July 1969 when it was nationalized alongside 13 different banks.

Starting with one office in Mumbai, with a paid-up capital of Rs.50 lakh and 50
representatives, the Bank has made a quick development throughout the years
and bloomed into a forceful establishment with a solid national nearness and
sizable worldwide operations. In business volume, the Bank possesses a chief
position among the nationalized banks.

The Bank has more than 5000 branches in India spread over all states/union
domains including specific branches. These branches are controlled through 54
Zonal Offices and 8 NBG Offices. There are 60 branches/workplaces and 5
Subsidiaries and 1 joint wander abroad.

 Quality policy: Bank of India are committed to become the bank of choice by
providing superior, proactive, innovative, state of art. Banking services with an
attitude of care and concern for the customers and patrons.

 Mission: To provide superior, proactive banking services to Niche markets

globally, while providing cost effective, responsive services to others in our role as
a development, and in so doing, meets the requirements of our stakeholders.
 Vision: To become the bank of choice for corporate, medium businesses and up
markets retail customers and to provide cost effective developmental banking for
small business, mass market and rural markets.

Bank of India has been pioneering in launching key initiatives in areas of products,
distribution, technology, international operations and risk management. Bank
aims at strengthening the customer relations, diversifying delivery channel,
increasing international capabilities and services and strengthening revenue
streams from diversified sources. Bank has also redefined banking services with
hi-tech services.

The benefits to the customers are no more late payments, no more queues, no
more hassles of writing and depositing of cheques. E- Payment of direct and
indirect central excise, service tax and custom duties online from the comforts of
their office or home avoiding queues and last minutes rushes. Banks customers
are provided with a fast, easy, and transparent and hassle free way to trade in
shares. BOI offers its customers a faster and easier method of effecting payments
by direct debit to the customers account in case of utility payments, credit cards
bills etc.

 SWOT ANALYSIS :

STRENGTHS 1. A public sector undertaking. Thus,

has government backing
2. Increasing profits over the years
3. Pan India presence with over 3400
branches
 4. Founder of SWIFT (Society for
Worldwide Inter Bank Financial
Telecommunications)

5. Large employee base

WEAKNESS 1.Brand valued not as big as SBI or

BoB
2.The branches are not modernized
in many cities as compared to leading
banks

OPPORTUNITY 1. Venturing into rural areas

2. Installtion of more ATMs
3. Use of mobile banking, internet
banking on a large scale

THREATS 1.New banking licenses

2.Foreign players
3. Disinvestments
7.INDIAN BANK

Indian Bank was established on August 15, 1907 as part of the Swadeshi
movement. Indian Bank is an government owned bank and headquartered in
Chennai, India. It has 20,661 representatives, 2594 branches and is one of the
best performing open area banks in India. It has abroad branches in Colombo and
Jaffna in Sri Lanka, and in Singapore, and 223 journalist banks in 71 nations. Since
1969 the Government of India has claimed the bank.

As of April 2009, the bank has Core Banking Solution (CBS) actualized in its 1642
branches and 66 expansion counters. The bank has 755 associated Automatic
Teller Machines (ATMs) introduced in 225 areas across the nation.

It has launched several innovative loan products like Artisan Card, Kisan Card,
Kisan Bike Scheme, and Yuva Kisan Vidya Nidhi Yojana to meet diverse credit
needs of farmers. It is pioneer in introducing Self Help Groups and financial
inclusion project in the country. Established 7 specialized exclusive Microfinance
branches called "Microstate" across the country to cater the needs of urban poor
through Self Help Group. It also provides provision of technical assistance and
projects reports in agriculture to entrepreneurs through agricultural consultancy
and technical services.

Pioneer in introducing latest technology in Banking: 100% Core banking solution

branches, 100% business computerization, 168 centers throughout the country
covered under anywhere banking, Internet and tele banking services to all core
banking customer‟s-payment facility for corporate customers, Cash management
services, Depository services.
 SWOT ANALYSIS :

STRENGTHS 1. Rural banking expertise

2. Strong international network of
banks with 240 overseas
correspondent banks in 70 countries
3. High end banking technology with
core banking at all 1900+ branches
4. It has 22,000 employees
5. Diversified banking activities under
three subsidiaries i.e. Indbank
Merchant Banking Services Ltd,
IndBank Housing Ltd, IndFund
Management Ltd

WEAKNESS 1. Less presence in India as it has

competition in urban areas as well as
rural areas

2. Limited advertising in comparison

with leading banks
3. Low number of ATM’s and
branches as compared to other big
bank brands

OPPORTUNITY 1. Urban market banking and retail

banking
 2. Favourable Government rural
schemes
3. More expansion in untapped rural
markets

THREATS 1. Economic crisis and fluctuating

market scenarios
2. Highly competitive environment
3. Stringent Banking Norms by Govt’s
and RBI
 8.IDBI BANK

Industrial Development bank of India (IDBI) was constituted under

Industrial Development bank of India Act, 1964 as a Development Financial
Institution and appeared as on July 01, 1964 by the notification of government of
India dated on June 22, 1964. It was viewed as a Public Financial Institution as far
as the arrangements of Section 4A of the Companies Act, 1956. It kept on filling in
as a DFI for a long time till the year 2004 when it was changed into a Bank.

It is right now tenth biggest advancement bank on the planet as far as

reach, with 3700 ATMs, 1995 branches, including one abroad branch at Dubai,
and 1382 focuses. It is one of 21 business banks possessed by the Government of
India. The Bank has a total accounting report size of INR 3.74 trillion as on 31
March 2016

 Vision : To be the most preferred and trusted bank enhancing value for all
stakeholder

 Mission: Delighting customers with our excellent service and comprehensive

suite of best-in-class financial solutions

 SWOT ANALYSIS :

STRENGTHS 1. Industrial banking expertise for

businesses provided by IDBI bank
2. IDBI has state of art IT support and
technological innovations
 3. Customised banking solutions for
individual as we as corporate clients
4. Has a strong employee base of
over 15,000

5. IDBI bank has a strong legacy since

its inception in 1964

6. The bank has 3000+ ATMs and

1800+ branches include international
presence in Dubai

7. IDBI has the backing of the

government of India, which is a huge
boon

8. Good brand presence due to

marketing & awards for technology &
risk management

WEAKNESS 1. Strong competition from other

bigger private sector and public
sector banks means limited market
share for IDBI

2. Limited number of branches and

ATM’s compared to big banks

OPPORTUNITY 1. Personal banking and improved

 customer service
2. Favourable Government schemes
can boost IDBI bank's business

3. Adoption of technology can be

beneficial for the bank

THREATS 1. Economic crisis and recessions can

affect IDBI's operations
2. Highly competitive environment
due to Indian and foreign banks
3. Complex financial products by
foreign banks can reduce the market
share of IDBI bank.
9.Union Bank of India

Union Bank of India (UBI) was enlisted on 11 November 1919 as a restricted

organization in Mumbai and was introduced by Mahatma Gandhi. At the season
of India's Independence in 1947, UBI just had four branches – three in Mumbai
and one in Saurashtra, all moved in key exchange focuses. After Independence
UBI quickened its development and when the legislature nationalized it in 1969, it
had developed to 240 branches in 28 states. Not long after nationalization,

UBI converge in Belgaum Bank, a private segment bank set up in 1930 that
had itself converge in a bank in 1964, the Shri Jadeya Shankarling Bank. At that
point in 1985 UBI converged in Miraj State Bank, which had been built up in 1929.
In 1999 the Reserve Bank of India asked for that UBI secure Sikkim Bank in a
protect after broad anomalies had been found at the non–scheduled bank. Sikkim
Bank had eight branches situated in the North–east, which was appealing to UBI.

UBI started its universal development in 2007 with the opening of agent
workplaces in Abu Dhabi, United Arab Emirates, and Shanghai, Peoples Republic
of China. The following year, UBI set up a branch in Hong Kong, its initially branch
outside India. In 2009, UBI opened a delegate office in Sydney, Australia.

Today, with its efficient, value-added services, sustained growth, consistent

profitability and development of new technologies, Union Bank has ensured
complete customer delight, living up to its image of, “GOOD PEOPLE TO BANK
WITH”. Anticipative banking- the ability to gauge the customer's needs well ahead
of real-time - forms the vital ingredient in value-based services to effectively
reduce the gap between expectations and deliverables. Union Bank of India
undertook the task of establishment of village knowledge centers and self-
employment training centers.

Vision statement: To become the bank of first choice in our chosen areas by
building beneficial and lasting relationship with customers through a process of
continuous improvement

Union Bank of India got ISO 9001-2000 certification for all its seven staff-
training centers across India by November 2003. In fact, plans are under way to
certify an additional 150 of the bank's branches by the end of this fiscal. The bank
had received the ISO 9001-2000 certification for 64 branches and three extension
counters across the country.

Strengths 1. Financial products for agricultural

sector
2. Products aligned to Government
schemes
3. Emphasis on Customer
Satisfaction
4. Union bank of India has over
27,700 employees
5. It has representative offices in Abu
Dhabi, United Arab Emirates, and
Shanghai, Peoples Republic of China,
Australia and a branch in Hong Kong.
6. Online Telebanking facility are
 available to all its Core Banking
Customers - individual as well as
corporate

Weakness 1. Nominal International presence

as compared to leading players

2. Advertising is lesser which leads to

lower brand presence bank brands

Opportunity 1. Small scale business banking

2. More global penetration through
International banking
3. Acquisition of smaller local banks

Threats 1. Economic crisis

2. Highly competitive environment
3. Stringent Banking Norms

10.Vijaya Bank

Vijaya Bank, was established on 23rd October 1931 by late Shri A.B.Shetty
and other ambitious agriculturists in Mangalore, Karnataka. The goal of the
organizers was basically to advance keeping money propensity, thrift and
business among the cultivating group of Dakshina Kannada area in Karnataka
State. The bank turned into a planned bank in 1958.

Vijaya Bank consistently developed into an expansive All India bank, with
nine littler banks converging with it amid the 1963-68. The acknowledge for this
merger and also development goes to late Shri Mulki Sunder Ram Shetty, the then
the Chief Executive of the bank. The bank was nationalized on fifteenth April
1980. The bank has manufactured a system of 2030 branches, 13 Extension
Counters and 1865 ATMs as on 31.12.2016, that traverse all States and Union
Territories in the nation.

Strengths Financial products for rural sector

2. Innovative schemes for agriculture
sector
3. Emphasis on I. T support
4. Has employee strength of over
25,000 employees
5. Syndicate Bank has achieved a rare
feat of opening one million customer
accounts in a span of 3 months

Weakness

. Less penetration in the country

2. Low branding and advertising as

compared to other banks
 3. Lack of retail banking and low
customer service as compared to
bigger banks in India

Opportunity 1. Small scale

business banking
2. International
banking

Threats 1. Economic crisis

2. Highly competitive
environment
3. Stringent Banking Norms

1.7 PERFORMANCE OF PUBLIC SECTOR BANKS :

The financial changes in India began in right on time nineties, however their result
is obvious at this point. Real changes took put in the working of Banks in India
simply after Librelization , globalization and privatization. Expanded rivalry, new
data advances and consequently declining preparing costs, the disintegration of
item and geographic limits, and less prohibitive legislative directions have all
assumed a noteworthy part for Public Sector Banks in India to commandingly
contend with Private and Foreign Banks.

The most recent decade has seen numerous positive improvements in the Indian
banking system. The policy makers which involve the Reserve Bank of India (RBI),
Ministry of Finance and related government and financial sector regulatory
entities have endeavored a few outstanding efforts to enhance performance in
the sector . The public sector banks now looks at positively with managing an
account divisions in the area on measurements like development, profitability and
non-performing resources (NPAs). A couple of banks have set up an extraordinary
reputation of advancement, development and esteem creation.

The technological revolution has completely changed the Indian banking system.
The use of computers and mobile has led to the introduction of online banking in
India now a days. India has the most number of bank branches on the planet. As
indicated by IMF information for 2015 there are more than 1.2 lakh bank
branches in India, followed by China and Colombia with more than 95,680 and
94,074 bank offices individually. RBI information for the June 2016 quarter
demonstrates India now has more than 1.3 lakh bank offices.

The net loss of twenty public sector banks is of Rs 16,272.34 crore for the fourth
quarter ended March 2016 as bad loans situation very worsened. Public Sector
Banks earns net profit of Rs 4,063.58 crore in the last quarter a year ago. Non-
performing assets or bad loans in some cases must requires prompt corrective
action otherwise become a major problem. As per RBI directives, a prompt
corrective action may be enforced in cases where gross NPA has crossed 10 per
cent. all public sector banks had given negative return to investors since the
beginning of the ongoing calendar year 2016.

State Bank of India : State bank of Indian register 66% slump in standalone profit
to Rs. 1,263.81 crores for the last quarter of 2017. The Bank’s gross non-
performing assets (NPAs) declined to 6.90 per cent of gross advances, down 33
basis points from 7.23 per cent reported on December 2017 . Gross NPAs in the
year-ago quarter stood at 6.50 per cent. On a net basis, NPAs fell to 3.71 per cent
from 4.24 per cent in December 2017 and 3.71 per cent in the corresponding
quarter last year.

Bank of Baroda : Bank of Baroda (BoB) on Thursday reported a profit of Rs154.72

crore on March 2017 quarter as provisions for bad loans was decline. The bank
had reported a huge loss of Rs3,230.14 crore in the same quarter in last year ago.
The provisions of bad loans declined to Rs2,622.97 crore from Rs6,857.66 crore in
the year ago period as gross non-performing asset (NPA) ratio moved up
marginally to 10.46% from 9.99%. Its net NPAs also decreased to 4.72% as against
5.06%.

Punjab National Bank : Punjab National Bank on 18th may 2017 reported a net
loss of Rs 5,367.14 crore on last quarter ended on 31st March 2016 against net
profit of Rs 306.56 crore in the previous year . As far as asset quality is concerned,
Gross Non-Performing Assets (NPAs) rose to 12.90 per at the end of March, from
6.55 per cent a year ago. Net NPAs too jumped to 8.61 per cent as against 4.06
per cent.
Canara Bank : Canara Bank Ltd has reported the net profit of Rs.214.18 crore, on
march 2017 against a Rs3905.49 crore loss recorded a year ago when it made
heavy provisions for bad loans. Gross non-performing assets (NPAs) as a ratio of
gross advances were at 9.63%, against 9.97% as of 31 December. Net NPA ratio at
the end of the fourth quarter was 6.33%, slightly down from 6.72% in the third
quarter.

Central Bank of India : Central Bank of India recorded the net loss of Rs 592 crore
during the last quarter on March 2017 on improved recovery, even though bad
loans soared. Gross NPA to gross advances raised up to 17.81% as on March 2017
from 11.95% a year ago. Net non-performing assets increase up to 10.20% of net
advances from 7.36% a year ago.

Bank of India : Bank of India has reported a net loss of Rs1,045.54 crore for the
March 2017. The gross non-performing assets (NPAs) were at 13.22% at the end
of the March 2017. Net NPAs came in marginally lower at 6.90% in the quarter
compared to 7.09% in the last three months, but comparatively lower than the
March 2016 quarter’s 7.79%.

Indian Bank : The Net profit of Indian bank raise up to Rs319.7 crore for the last
quarter ended on 31st March 2017 from Rs 93.62 crore in the year earlier. The
bank’s gross non-performing assets (NPAs) Increase up to 1.9% to Rs 9,865.13
crore at the end of the quater March 2017 from Rs9,675.1 crore in the quater
December.

IDBI Bank : IDBI has reported a standalone net loss of Rs 3199 crore on 31 st
march 2017, as against a standalone net loss of Rs 1735.81 crore for the same
quarter in the previous year. It reported gross NPAs of 21.25% and net NPAs of
13.21% for the quarter ended March 31, 2017.

Union Bank of India : Union Bank of India on Monday to report a 12.5% increase
in the net profit at Rs108.22 crore for the March quarter. Net NPAs also rose to
6.57% from 5.25% year ago.

Vijaya Bank : Vijaya Bank has reported a net profit of Rs 204 crore for the fourth
quarter of the financial year 2016-17, registering increase of 187 per cent year-
on-year (YoY) jump from Rs 71 crore.

Gross non-performing assets (NPAs) reduced up to 23.15% to Rs 6,381.78 crore at

the end of the March quarter from Rs 8,304.60 crore in the December quarter.
Net NPAs rose to 4.35% in the March quarter from 4.74% in the previous quarter
and 4.81% in the same quarter last year.