A quick look at RBI guidelines and some data on Promoter holding in Indian Banks. Rules are rules, but RBI knows there is a need for some pragmatism too. So we have all kind of banks- with promoters, promoter-less and foreign promoters!
India has lagged behind the world in increasing ATM network. While the network grew from 1 Lakh ATMs in 2012 to 2.35 Lakhs in 202, it was still low. Building physical infra is always a costly affair!
In this storyboard, we looked at deep dived into data and got everything you need to understand India’s ATM story, at one place.
Frauds have been Bank’s Achilles heel for time immemorial. FY20 saw a astonishing 160% rise in the reported frauds over previous year. This is despite the increased regulatory oversight, use of technology and increasing digitisation of data. But seems the fraudsters move one step ahead of the system. But there are some twists in the tale. In this storyboard we looked at the reported data for Indian Banks, deep dived and found some interesting observations.
[vc_row][vc_column][vc_empty_space][vc_column_text][dropcap]T[/dropcap]otal Bank Credit in India stood at 90,57,080 Cr (RBI Sep’20 data) Top 4 states contribute ~60% of this largely due to Corporate borrowing concentration. But Growth rate in many Small and Mid sized (on credit base) is much faster, likely indication of improving credit to smaller businesses [btn url=”https://www.frankbanker.com/wp-content/uploads/2021/03/India-statewise-credit.pdf”…
In this data storyboard we take a quick look at Loans and Advances of Indian Banks and compare them to the growing Gross and Net Non-Performing Assets ( GNPA and Net NPA)
