Banking industry and UCO bank

1. Banking Sector – UCO Bank Presented by – Sajal Mondal

2. Banking Industry

3. Functions of Bank Accepting deposits from Public Lending money to public Remittances/Collection Business Keeping valuables in safe custody Government business Acting as trustee Treasury services Capital Market activity

4. History of Banking in India

5. Who Regulates the Financial Sector in India?

6. Banking Structure in India

7. Indian Financial System –Share by Asset Size - 2013 Segment Market Share of Financial Assets (%) Banks 63 Insurance Companies 19 Non-Banking Financial Institutions 8 Mutual Funds 6 Provident and Pension Funds 4 Indian Banking System – Share by Asset Size - 2013 Institutions Market Share of Banking Assets (%) Scheduled Commercial Banks 92.4 Public Sector Banks 67.2 Private Sector Banks 18.7 Foreign Banks 6.5 Regional Rural Bank 2.7 Co-operative Banks 3.4 Local Area Banks 1.5

8. Share in the Banking Space Type of Banks Number of Banks Number of Branches %age Share of Number of Branches Market Share of Assets (%) Public Sector 26 67,466 83.0 72.8 Private Sector 20 13,452 16.6 20.2 Foreign Banks 41 323 0.4 7.0 Total 87 81,241 100.0 100.0 Public sector banks have more presence relative to their share of assets.

9. Types of Banks Central Bank (RBI) Non Banking Finance Companies (NBFCs) Commercial Banks Term Financial Institutions State Finance Corporations (SFCs) Indian Financial Institutions E.g. IFCI NABARD SIDBI Public Sector Private Sector Foreign Co-operative Banks Regional Rural Banks E.g. SBI PNB BOB E.g. HDFC Bank UTI Bank ICICI Bank E.g. Citibank ABN Amro HSBC State/Central Private Primary Credit Societies

10. Business Division

11. Loan Products • Auto Loan • Gold Loan • House Loan • Credit cards • Education Loan • Loan against Securities • Retail Banking Business Deposit Products • Deposits • Saving Accounts • Current Accounts • Fixed / Recurring • Corporate Salary A/C Other Products/Services • NRI services • POS Terminals • Private Banking • Demat Services • Mutual Fund Sales • Foreign Exchange Services Commercial Banking • Term Loan • Guarantees • Bill Collection • Letter of Credit • Working Capital • Forex & Derivatives • Wholesale Deposits Transaction Banking • Cash Management • Custodian Services • Clearing Bank Services • Tax Collections • Banker to Public Issues Commodities(Inc Hedging) Key Segment • Large Corporate • Emerging Corporate • Financial Institutions • Government/PSUs • Agriculture Commodities Product Segment • Equities • Derivatives • Capital Market • Debt Securities • Foreign Exchange Other Financing • Cash Management • Statutory Reserve • Financial Decisions • Asset Liability Management

12. Growth Drivers of the Banking Industry

13. Opportunities in the Banking Sector Mortgage to cross Rs 40 lakh crores by 2020 Wealth Management to be a big business Rapid growth of branches & ATMs Mobile banking to see huge growth Infrastructure financing to reach over Rs 20 trillion on commercial banks book by 2020 New Models to serve the small & Medium Enterprises (SME)

14. UCO bank

15. Profile of UCO bank Established by G.D. Birla on 6 th January 1943 The bank was nationalized on 19 th July 1969 Headquarter in Kolkata As of September 2013 Mr. Arun Kaul is the chair man & Managing director of UCO bank

16. Size of UCO bank The bank has some 45 regional offices and more than 2,600 branches throughout the country. The bank also operates two major international financial centers in Hong Kong and Singapore Market capitalization of UCO bank is Rs 5,046 Cr CAGR of UCO bank 16.15% No. Of employee is 24,201 Honours Your Trust s the tag line and Commitment to  Customers is the USP. Major competitors of UCO bank are .  Indian bank, Union  Bank of India, Dena bank, Indian Over seas bank

17. Various scheme offered by UCO bank UCO KISAN BHOOMI VRIDHI Scheme UCO KISAN TATKAL Scheme UCO ESTATE PURCHASE LOAN Scheme Scheme for Solar Irrigation Pump set

18. CSR of UCO bank The Bank believes that carrying out Corporate Social Responsibility (CSR) helps in tangible value-creation. Moreover, CSR, creates a positive image in the society and inculcates essence of loyalty for the Bank among a cross-section of countrymen. - An amount of Rs. 4.90 lakh to Shivaji University, Kolhapur, Maharashtra under environment protection category for installation ofSolar Plant Device.  - Rs. 2 lakh to Ramakrishna Math, Nattarampalli , Vellore, Tamilnadufor construction of building for an orphanage - Rs. 10 lakh to Mahaveer Viklang Sahayata Samity , Jaipur for helping the physically challenged.  

19. Career opportunity in UCO bank Finance professional is key element of Banking Industry. A commerce graduate can enter this industry but top notch management jobs goes to persons having MBA specialization in Finance. Today there is lot of competition in Banking industry as lot of Investment products have been launched by various banks. MBA finance and Marketing Professionals are in great demand by Banking Industry to market these products. Business Development Manager in Financial Services Branch Manager in Retail Banking Business Development Manager in Corporate Sales Business Development Manager Broking Portfolio Manager Banking Business Analyst Banking Customer Service Manager Bank Loan Manager Assistant Bank Mana

20. Skills & competencies Key Management Skills required in Banking Industry are - Communication skills Analytical Skills Decision making skill Teamwork Sills IT skills They help Bank Manager to have a cordial atmosphere in Bank so that customer is satisfied with services and financial product information provided by Bank Recruitment criteria for UCO bank As UCO bank is public undertaking bank it`s all recruitments are done through IBPS exam. The candidate should qualify the mentioned exam for get chance in UCO bank. For the MBA graduates bank has some own quota, but candidate should go through the exam. Some time the bank hires MBA graduate from the college campus.

21. SWOT analysis of UCO bank SWOT Analysis- Strength 1.  Foreign exchange Operations 2.  Diverse Asset portfolio 3.  High proportion of long term liabilities 4. UCO Bank has over 2000 Service Units spread all over India, with two overseas branches in Singapore and Hong Kong 5. One of the oldest and major commercial bank of India Weakness 1.  Lacks International presence 2.  Retail banking is lesser as compared to other banks 3. Weak internet banking when compared to big banks Opportunity 1. Small enterprise banking 2.  More penetration through rural banking Threats 1.  Economic slowdown 2.  Highly competitive environment 3. Stringent Banking Norms

22. Thank You Prepared by:- Sajal Mondal