SCHEDULED AND NON SCHEDULED BANK

INCOME SOURCE OF COMMERICAL BANK

Submitted by: Group-2

Abhishek Tiwari
Anish Pandey
Ankit Surana
Anubhav Srivastava
 SCHEDULED BANK & NON-SCHEDULED BANK

Scheduled Banks in India: Banks included in the Second Schedule of Reserve

Bank of India(RBI) Act, 1934.
Conditons
Capital and collected funds of bank should not be less than Rs. 5 lac.

Any activity of the bank should not adversely affect the interests of
depositors.
Facilities
Bank becomes eligible for debts/loans on bank rate from the RBI.

Bank automatically acquire the membership of clearing house.

NON- SCHEDULED BANK

Banks not included in Reserve Bank of India(RBI) Act, 1934 are Non-
Scheduled Bank and capital & collected funds less than 5 Lac.

The difference between schedule and non schedule is immaterial as the

number of non schedule bank is almost nil.
Since May 2007 there does not exist any non-scheduled commercial bank.
Source:http://www.rbi.org.in/scripts/PublicationsView.aspx?id=10780
 LIST OF SCHEDULED BANKS

Scheduled banks Types

1. Scheduled Commercial banks. 2. Scheduled Co-operative Banks
.

Schedule Bank

Schedule Schedule
Commercial Bank Co-operative Bank

Public Private Foreign Regional

Sector Sector Bank Rural
Bank Bank Bank

Old New
Nationalized SBI and
Private Private
Associated
Bank Sector Sector
Bank
Bank Bank
 NATIONALIZED BANKS: 26
1. Allahabad Bank
2. Andhra Bank
3. Bank of Baroda
4. Bank of India
5. Bank of Maharashtra
6. Canara Bank
7. Central Bank of India
8. Corporation Bank
9. Dena Bank
10. IDBI Bank Ltd.
11. Indian Bank
12. Indian Overseas Bank
13. Oriental Bank of Commerce
14. Punjab & Sind Bank
15. Punjab National Bank
16. Syndicate Bank
17. UCO Bank
18. Union Bank of India
19. United Bank of India
20. Vijaya Bank
New Private Banks:7
Axis Bank Ltd.
Development Credit Bank Ltd
HDFC Bank Ltd.
ICICI Bank Ltd.
IndusInd Bank Ltd.
Kotak Mahindra Bank Ltd.
Yes Bank Ltd
STATE BANK GROUP:6
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of India
State Bank of Mysore
State Bank of Patiala
State Bank of Travancore
OLD PRIVATE BANK:14
Catholic Syrian Bank Ltd.
City Union Bank Ltd.
Dhanalakshmi Bank Ltd.
Federal Bank Ltd.
ING Vysya Bank Ltd.
Jammu & Kashmir Bank Ltd.
Karnataka Bank Ltd.
Karur Vysya Bank Ltd.
Lakshmi Vilas Bank Ltd.
Nainital Bank Ltd.
Ratnakar Bank Ltd.
SBI Commercial & International Bank Ltd
South Indian Bank Ltd.
Tamilnad Mercantile Bank Ltd.
Foreign Bank:32
32 Foreign Bank in India.
 INCOME SOURCE :COMMERCIAL BANK

With liberalization, globalization and privatization, Banks moved to Fee Based

activities rather than Interest based activities.

Interest Income Non-Interest Income

Interest/Discount Commission & Brokerage
Income on Investment Sale of Investment
Balance with RBI Sale of Land Building
Others Exchange Transaction
Income from E-Delivery Channels
Misc. Income
FACTS & ANALYSIS:
Lets divide Indian banking industry into four parts.
Public Sector Bank Group G-I (26)
Old Private Sector Bank Group G-II (14)
New Private Sector Bank Group G-III (07)
Foreign Bank Group G-IV (32)
 Parameters of Study
Share of commodities exchange and brokerage in other income.
Share of sales in investment in other income.
Share of exchange transaction in other income.
Interest income as a percentage to total income
Non-interest income as a percentage to total income