: a Study on Deposit Mobilisation of Foreign Banking companies in India

: a Study in Deposit Mobilisation of International Banks in India Essay



Dr . T. Karthikeyan,

Relate Professor of Commerce,

Vivekananda College, Tiruvedakam West-625214

Cellular: +91- 9865074994

Email: [email protected] com

S i9000. Vadivel Rajadura

Research College student,

Department of Commerce,

Vivekananda College, Tiruvedakam West-625214

Mobile: +91- 9842552084

Email: [email protected] com

A Study upon Deposit Breaking down of International Banks in India

(Dr. K. Karthikeyan & S. Vadivel Cisura )


The process of economic growth demands development of capital resources. Financial sector takes on a vital role about distributing the cash for the development of trade, market are commerce. In simple words lender is a great institution, which deals in money happen to be credit. The paper handles trend and growth of deposits of overseas banks operating in India. The analysis mainly depending on secondary info. Statistical equipment have been applied like indicate, percentage, CAGR ands Pattern analysis. The study covers an interval of 13 financial years from 1999 to 2011. The finding revealed that the other banks registered increasing trend in mobilizing total deposits. But progress rate can be fluctuating tendency during the study period. Launch

Financial institutions will have to enjoy an important and larger role in proving support to economic development. In respect to resistant Sayers, " Banks are institutions in whose debts usually referred because ‘bank deposits'-are commonly acknowledged in final settlement of other people's debts”. The Of india banking or financial system comprises commercial banks, co-operative banks, financial Institutions and Non-banking economical companies. The commercial financial institutions include open public sector banking companies, private sector banks and foreign banking institutions. While the general public sector banking companies are the creation of the enactments of the legislative house, private bakes, under the Financial Regulation Act 1949 happen to be deemed since banking companies. Foreign banks certainly are a recent conjunction with the Of india banking system and their presence and operations are dependant on the RBI guidelines of February 2006. Foreign banks should be allowed to open offices in India either since branches or perhaps as subsidiaries. This would boost competitive efficiency as well as up grade work and technology. They must conform to or perhaps fulfill the same or comparable social obligations as the Indian Banking companies. Foreign exchange banks are individuals banks that are incorporated outside India and the head office buildings are also positioned outside India. These banking companies were founded in India during the 19th century plus the early twentieth century. The organized approach to banking originated from India with all the establishment of the exchange banks. These banks established in India generally due to the development of trade with financing of foreign control and linked activities, they will opened branches only in the port towns like Bombay Calcutta and Madras. In the early 1990s has been water shed to get the American indian economy beneath this model, foreign capital has been invited to the country to aid its development and growth. Foreign capital, in the form of international direct expenditure (FDI) and foreign Institutional investment (FII), is authorized in almost all the sectors of the overall economy. The ownership of LPG (Liberalization, Privatization, Globalization) in India in line with the guidelines of (WTO)World Transact Organization, overseas banks have already been granted permit to operate in India. In commensurate with this new development, FDI to extent of 74% (49% before the 03 2004) in private banks and 20 % in public sector financial institutions has been allowed. However voting right of the foreign buyer is limited to 10% thus ensuring that community banks are generally not taken over simply by foreign banking institutions As in march 31, 2012 there have been 41 international banks with India and they account for five per cent of the total banking business. Statement with the problem

Mobilization of cost savings through intensive deposit collection has been considered to be the major activity of bank in...

References: 1 . Selvaraj (2003), " Performance Evaluation of Mukupori co-operative downtown bank Ltd”.

American indian journal of marketing

2 . Sakthi Srinivasan and S. Devi Lakshmi (2006), " Post Office Saving Schemed – A great

Impetus for Non-urban Investment”, Indian Journal of promoting

3. Ramkrishna Vyas and Aruna Dhade (2007), " A study for the Impact of new private sector banks on Condition bank of India”, The IcFai Diary of Traditional bank Management, Vol. VI, Number 3, pp. 61-76.

5. Ram Pratap Sinha (2008), " Revenue efficiency of Indian Industrial Banks: A Non-Parametric


5. Anand Kodan Singh, Shailender kumar and Vikas kumar (2010), " Comparison of Expansion Rate

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Monetary affairs. Vol. 55, Number 2, PP. 121-128.

6. Haresh Rarot (2010), " Impact of financial change on bank sector – evidence by India”

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