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. The real roots of commercial banking in India can be traced back
to the early eighteenth century.
Bank of Hindustan was set up in 1870,it was the earliest Indian
Bank.
Later, three presidency banks under Presidency Bank's act
1876 i.e. Bank of Calcutta, Bank of Bombay and Bank of Madras
were set up, which laid foundation for modern banking in India
In 1921, all presidency banks were amalgamated to form the
Imperial Bank of India.

6. The first bank which was exclusively set up by Indians was Allahabad Bank,
followed by Punjab National Bank Ltd. set up in 1895 with headquarters at
Lahore
The Reserve Bank of India was established on April 1, 1935 to control &
regulate these banks in accordance with the provisions of the Reserve
Bank of India Act, 1934.
In 1955, RBI acquired control of the Imperial Bank of India, which was
renamed as State Bank of India. In 1959, SBI took over control of eight
private banks floated in the erstwhile princely states, making them as its
100% subsidiaries.
The plan for nationalization was passed in1968. Thus forming the third
turning point in the history of Indian Banking in India.

7. Who Regulates the Financial Sector in India?
Ministry of Finance
• Controls and assists the financial sector
• Every year the finance minister announces the budget
• Also acts as the policy maker and regulates the financial sector
Reserve Bank of India
• Apex Financial Institution of India, established in April 1935
• Advises the central board on various matters
• Acts as the investment banker to the Government
Securities and Exchange Board of India
• Regulator of securities market in India
• Protects the interest of investors in securities
• Also regulates the development of securities market
Insurance Regulatory and Development Authority
• An agency of the Government, based in Hyderabad
• It works on the guidelines of IRDA Act, 1999
• Safeguards the interest of the common man

8. Banking Structure in India

9. 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

10. 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.

11. 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

12. Business Division
• Loans to individuals
(Auto loan, housing
loan, Education Loan
and other personal
loan) or small
businesses
Retail Banking
• Loans to Mid and
Large corporate
(Working Capital
loans, Project
finance, Term loans,
Lease Finance)
Wholesale
Banking
• Investment in
Equity, Derivatives,
Commodities,
Mutual funds, Bonds,
Trading and Forex
operations
Treasury
Operations
• Merchant Banking,
Leasing Business,
Hire purchase,
Syndication services
etc.
Other Banking
Businesses

13. 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
Retail Banking1
Wholesale Banking2
Treasury Banking3

14. Growth Drivers of the Banking Industry
• Growth of infrastructure, industry, services and agriculture is expected to grow corporate credit of the
economy
• Nearly 35% of the Indian population has a median age of 25.5 years which signifies that India will
gain its demographic dividend
High growth of
Indian Economy
& Favorable
Demographics
• Given that 40% of Indians lack access even to the simplest kind of formal financial services, the RBI on
July 2011, mandated banks to allocate at least 25% of the total number of branches proposed to be
opened in unbanked rural sector
• Banks considering FI as a banking opportunity rather than a Regulatory obligation are likely to see
long term profitable growth and a cushion against market volatility
Financial
Inclusion (FI)
• India not only enjoys a favorable demographic dividend but also has a strong population of High Net
worth Individuals (HNWI)
• Given the improved performance of the equity markets in 2013 & increasing affluence beyond urban
and metro areas the number of HNWIs is expected to rise further, HNWIS will continue to demand
better or more sophisticated service
Private Banking &
Wealth
Management
• New channels in banking services such as internet banking, mobile banking have increased
productivity and help in acquiring new customers
• As per a survey conducted by PwC, today banks spend 15% of the total expenditure on technology
today
Technology
Innovation

15. 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)

16. UCO bank

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

18. 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

19. 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

20. 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.

21. 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

22. •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.

23. 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

24. Thank You
Prepared by:-
Sajal Mondal