Industry Analysis: Banking

INDUSTRY
ANALYSIS
BANKING
PRESENTED BY :
KARAN RASTOGI
POOJA JHA
ASTHA MAHESHWARI
MAYANK NONIWAL
PUSPANJALI RAJ
PRABHAT SHRUTVANI
INTRODUCTION
The general population, including both individuals and small- to medium-sized businesses, is provided with basic banking
services and products by commercial banks.
The functions of banks are classified into two main divisions
1. Primary functions.
• Accepts deposit
• Provides loan and advances
• Credit cash
2. Secondary functions.
• Discounting bills of exchange
• Overdraft facility
• Purchasing and selling of the securities
• Locker facilities
• Paying and gathering the credit
• The main objective of the Research is oriented towards the Understanding of the Importance of Commercial
Banking and how the latest Technology Inclusion is affecting the business of these banks
LITERATURE REVIEW
The conduction of this research was performed on various

stages and in different places simultaneously.
The literature considered before the conduction of this research

is as follows.
01 Dr. Shrinivas in 2015, For developing nations
like India to maintain economic growth, this
cycle of saving, investing, and lending is
02 Dr. Mritunjay Kumar Manish, talks about the
importance of commercial banks and how they
essential. provide stability to the economy of the country.
Additionally, the internet has shaped our lifestyle The special units under the management of the
and changed how business is conducted today branch and how they form the backbone of the
modern Indian economy.
03 SHEIKH AAMIN HUSSAIN and AATIF JAVAID

talk about the importance of Commercial Banks in India
and how efficiently and effectively the Indian financial
system operates and paves the way for the development
of the Indian economy.
RESEARCH OBJECTIVE
Motive of the research : To create a general impression of the Importance Of
Commercial Banks and their latest Digital Banking Technology.
The objectives taken under study of the banking sector are as follows:
1. Role of Commercial Banking in daily life : This objective would help us

understand the essentiality of commercial banks in daily life and what the basic
wants of the customers from the banks.
RESEARCH OBJECTIVE
2. Impact Of Internet Banking On Profitability Of Commercial Banks : The Inclusion Of Latest
Technology Brings The Advanced Payments Methods In The Hands Of Public.
With This Objective We Create An Understanding Of How The Inclusion Of Tech Has Been
Profitable For The Banks.
3.Trust Issues Of Commercial Banking In Daily Life : “Some people Blindly Believe On The
Tech While Some Have A Very Hard Time Understanding It.”
The Inclusion Of Tech In The Financial Sector Is Accepted By Many But Still Loathed By
Some. This Objective Will Help Us Understand The Factors Which Inhibit The People From
Trusting Internet Banking.
RESEARCH DESIGN
The aspects of banking taken under research largely impact the

lives of the customers and the profitability if banks too.
In order to analyze the impact of all different aspects, a part of

research was PRIMARY and part was Secondary.
Sources of Primary Data – Questionnaire & One to One

conversation with customers and employees
Sources of Secondary Data – Banks official websites, RBI

reports, World Bank reports etc.
Findings & Conclusion
Customers Use Very Specific And Certain Business Owners Use Banks Facilities Due T
01 Facilities Of The Bank Based On Their Life
Styles
02 The Ease Of Communication With The
Employees
The Impact Of Internet Banking On the

The Major Profits Goes To The
03 Financial Performance (ROA And ROE) Of
The Banks Is Varied (Positive And 04 Intermediaries And The Fintechs like
Negative) And It Is Insignificant Gpay, Paytm etc.
ANALYTICS
The data collected was analyzed and the

following results were obtained.
LIMITATIONS
01
Confidentiality Issues
Banking institutions are legally bound to
01 confidentiality
protect their clients'
02 03
Data Quality Limited Sample Size
Data quality is a significant issue in the The banking industry comprises a relatively small
banking industry, as errors or inaccuracies in number of large players, which can make it
data can lead to inaccurate research results. difficult to obtain a large enough sample size to
conduct meaningful research.
LIMITATIONS
04
Time-Intensive: Conducting research
on the banking industry can be time-
intensive, with data collection and
01several months or
analysis often taking
even years.
05 06
Geographical Limitations: Banking
institutions operate globally, but research may Complexity: The banking industry is complex,
be limited to specific regions or countries due with numerous financial products and services,
to language barriers or other logistical regulations, and market conditions that affect
constraints. operations and performance.

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INDUSTRY

The conduction of this research was performed on various

The literature considered before the conduction of this research

03 SHEIKH AAMIN HUSSAIN and AATIF JAVAID

1. Role of Commercial Banking in daily life : This objective would help us

The aspects of banking taken under research largely impact the

In order to analyze the impact of all different aspects, a part of

Sources of Primary Data – Questionnaire & One to One

Sources of Secondary Data – Banks official websites, RBI

The Impact Of Internet Banking On the

The data collected was analyzed and the

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