The presentation is based on financial institution 'INDIAN BANK' which is one of the reputed institution in indian .... The ratios

1. TOPIC : FINANCIALINSTITUTIONS
[INDIAN BANK]
Presented By :- Jigar.M.Gogri

2. INTRODUCTIONTO FINANCIAL
INSTITUTIONS
 In financial economic , a financial institution is an
institution that provides financial services for its
clients or members. Probably the most important
financial service provided by financial institutions
is acting as financial intermediaries. Most financial
institutions are regulated by the government.

3. Financial Institutions in India
 Broadly speaking, there are three major types of
financial institutions.
1. Depositary Institutions
2. Contractual Institutions
3. Investment Institutes

4. Financial Institutions in India
 These are divided into two categories .First is
regulatory bodies & second is the intermediaries.
Regulatory bodies
 Reserve Bank of India (RBI)
 Securities and Exchange Board of India (SEBI)
 Central Board of Direct Taxes (CBDT)
 Central Board of Excise & Customs

5. Contd…
 The Intermediaries that include the banking and
non-banking financial institutions.
 Unit Trust of India (UTI)
 Securities Trading Corporation of India Ltd. (STCI)
 Industrial Development Bank of India (IDBI)
 Industrial Reconstruction Bank of India (IRBI), now
(Industrial Investment Bank of India)
 Export - Import Bank of India (EXIM Bank)
 Small Industries Development Bank of India (SIDBI)

6. Contd..
 National Bank for Agriculture and Rural
Development (NABARD)
 Life Insurance Corporation of India (LIC)
 General Insurance Corporation of India (GIC)
 Shipping Credit and Investment Company of India
Ltd. (SCICI)
 Housing and Urban Development Corporation
Ltd. (HUDCO)
 National Housing Bank (NHB)

7. Introduction
 Indian Bank was Established on 15th August 1907
as part of the Swadeshi movement .Serving the nation
with a team of over 18782 ,dedicated staff Total
Business crossed Rs. 2,11,988 Crores as on
31.03.2012, Operating Profit increased to Rs. 3,463.17 .
Crores as on 31.03.2012, Net Profit increased to
Rs.1746.97 Crores as on 31.03.2012.

8. Contd…
 The bank has its Overseas branches
in Singapore, Colombo including a Foreign
Currency Banking Unit at Colombo and Jaffna and
240 Overseas Correspondent banks in 70
countries.

9. The bank has itsthreesubsidiary in India
Namely
 The bank has its three subsidiary in India
Namely
 Indbank Merchant Banking Services Ltd
 IndBank Housing Ltd.
 IndFund Management Ltd

10. INDIAN FUND MANAGEMENT LIMITED
Indian Bank Mutual Fund (IBMF) was formed as a
Trust during 1990 sponsored by Indian Bank with a
corpus of Rs. 25 lakhs.
The Asset Management Company was formed during
January 1994 as a wholly owned subsidiary of Indian
Bank with a paid up capital of Rs.5 crores.
IBMF launched 12 close-ended schemes and raised
Rs.627.10 crore.

11. INDIAN BANK HOUSING LIMITED
 Ind Bank Housing Limited (IBHL), which was
formed as a Subsidiary of Indian Bank during the
year 1991 performed well during the initial years
 due to various factors including a high level of
NPAs, IBHL started showing financial strains
 . Now the company is engaged in recovery of dues
from various categories of borrowers and applying
the same for reduction of public deposits

12. INDIAN BANK MERCHANTBANKING
SERVICES LIMITED
 Indbank was incorporated as a wholly owned
Subsidiary of Indian Bank in 1989 to take over the
business of Merchant Banking division of Indian
Bank and to undertake other specialized activities.
 The division had managed 133 issues for an
aggregate value of Rs.2250 crore between 1982 and
1989

13. PROMOTERS
 Indbank was promoted by Indian Bank, which was
among the first native banks to be incorporated in
south India in 1907. Indian Bank was nationalized
in 1969.
 Indian Bank is also the promoter of IndianBank
Mutual Fund (a trust) for mutual fund
activities, Indbank Housing Limited (along with
HUDCO) and Indfund Management Ltd.

14. Management
 Shri Rajeev Rishi, Executive Director, Indian Bank, has been
co-opted as an Additional Director/Chairman on the Board
with effect from 13th June 2011. Shri V Rajeev Rishi aged 51 years,
holds a Bachelors degree in Arts and LLB. He has more than 32
years of experience in various positions in the Banking industry.
 Shri Banabihari Panda, General Manager, Indian Bank has
been appointed as the President & Whole time Director of the
company , Shri Banabihari Panda aged 55 is a B.A.
(Hones), LLB, MA, MBA and holds diploma in International
Banking & Finance, Certified Treasury Manager
Program, Diploma in Treasury, Investment and Risk Management
and CAIIB qualifications.

15. Cont..
 Shri G Rangarajan, Deputy General Manager, Indian Bank has
been appointed as the President & Whole time Director of the
company , . Mr. G Rangarajan aged 55 is a M. A. (Economics) and
has P.G. Diploma in Portfolio Management, CAIIB, AIMA
Diploma in Management qualifications.
 Shri P M Venkatasubramanian, retired Managing
Director, General Insurance Company and Chairman, Royal
Sundaram Alliance Insurance Company Ltd has been co-opted
by the Company's Board as an Independent Non-Executive
Director with effect from April 16, 2010.

16. Contd..
 Shri P V Rajaraman, IAS(Retd) has been co-opted as an
Independent Director Non-Executive Director on the Board
with effect from July 15, 2009.
 Shri Anup Sankar Bhattacharya, Executive Director,
Indian Bank, has been co-opted as an Additional
Director/Chairman on the Board with effect from July 15,
2009.

17. BUSINESS & ACTIVITIES
 Merchant Banking & Advisory Services
 Stock Broking
 Depository Participant Activities
 Distribution of Mutual Fund and other Investment
products

18. CORPORATE GOVERNANCE POLICY
 The company firmly believes in transparency,
professionalism, accountability, risk management
and code of ethics which are the fundamental
principles of corporate governance. The company
will constantly Endeavour to improve on the
aspects on an ongoing basis.

19. RESPONSIBILITIES TO THE COMPANY
AND ITS STAKEHOLDERS
 General Standards of Conduct
 Applicable Laws
 Conflict of Interest
Corporate Opportunities
Use of Company Assets on records
Prevention of Corruption

20. GUIDELINES BYTHE REGULATORYBODY (SEBI)
Regulations for Merchant Banking
 Application for grant of certificate
• Application to conform to the requirement
• Furnishing of information, clarification and personal representation
• Consideration of application
• Capital adequacy requirement
• Procedure for registration
• Renewal of certificate
• Procedure where registration is not granted
• Effect of refusal to grant certificate
• Payment of fees and the consequences of failure to pay fees

21. BALANCE SHEET (In Lakhs)
Particulars Mar'12 Mar'11 Mar'10 Mar'09 Mar'08
Net Worth 40.66 40.55 50.48 52.13 63.25
TOTAL
LIABILITIES
40.66 40.55 50.48 52.13 63.25
Net
Block(asset)
6.13 6.31 6.83 7.07 10.15
Total Current
Assets
39.05 35.32 47.28 48.74 50.88
Total Current
Liabilities
9.16 7.27 16.95 16.22 23.40
NET CURRENT
ASSETS
29.89 28.05 30.33 32.51 27.48
TOTAL ASSETS
(A+B+C+D+E)
40.66 40.55 50.48 52.13 63.25

22. RATIOS
Earnings per share = Amt Available For Equity Share Holder/Total No
Of Equity Shares
EPS :0.20
Price earning ratio = Market Per Share/Earnings Per Share
P/E :36.90
Debt equity ratio = Share Capital/Net Worth
D/E :1.06

23. WEBLIOGRAPHY
 http://www.investopedia.com
 http://www.indianbank.in
 www.sebi.gov.in
 http://www.moneycontrol.com/stocksmarkets
india
 http://economictimes.indiatimes.com

24. THANK yu