present status of nationalised banks, private commercial banks including foreign banks,regional rural banks co

Answer 1

all the nationalised banks are thriving.recent results indicates all major public sector banks are earning profits. due to the introduction of securitization act banks are empowered to recover their loans. this ensures the reduction of non performing assets. in case of andhra bank non performing assets are less than 1 percent.syndicate bank ,corporation bank ,canara bank state bank have declared impressive results recently.they are giving priority lending.private banks like icici, global trust ,karur vysya bank, lord krishna bank, karnataka bank ltd are also showing good results. foreign banks like stand chart,americanexpress are also doing well. regional rural banks are sponsored by the parent banks. pinakini grameena bank.manjeera grameena bank etc. but some of these banks are not doing well. there is a plan to merge these rural banks in to their parent banks. since the flow of foreign direct investment is increased the pressure on banks with regard to short,medium and long term has come down. it is the reason why all the banks are now coming forward to give loans to other sectors like personal loans,housing loans,education loans on equated monthly instalments that depends on the repaying capacity of the borrower. since the economy is thriving the role of banking sector is also growing.all the banks are giving importance to automation and technology is widely used. due to the use of technology in the short run the requirement of man power is less and in the long run branch expansion may takes place . due to the technology the service cost has come down to the banksand at the same time banks are concentrating to go for value added services like collection income tax, selling mutual fund products,collecting telephone,lic premium etc. this helps the banks to increase their revenue that reflects on the performance and profitability.

Answer 2

Nationalised Banks are fully commercial Banks.But the majority shares are held by the Union of India and hence the policy directions of the Union Government are binding on the Boards of such Banks.
Other Commercial Banks are governed by the Banking Companies Act and directions issued by the Regulator, viz, RBI. But they are free to adopt policies that help them to optimise profit within the overall regulatory environment.
Regional Rural Banks are local Banks ,sponsored by one of the Public Sector Banks, for the purpose of paid up Capital and dealings with the General Banking environment. These Banks enjoy considerable discretion in adopting policy frame work to suit the rural market's needs and receive the benefit of guidance and directions from the parent Bank. They are a good experiment in reaching Banking services to the doors of the rural poor.

Answer 3

Nationalised banks to furnish aggressive very own loan expenses and grant provider with HUMAN touch. they are going to attempt guiding you right in case there's a issue at some point in payments. no longer so with those extremely-cutting-edge inner maximum banks like ICICI financial corporation ( between the worst - fairly on a similar time as calculating EMIs and elevating the fees of interest), distant places Banks and so on.