New Opportunities for Professionals IN BANKING SECTOR

1. PUNJAB STATE CONFERENCE OF ICSI AMRITSAR November 21, 2015 New Opportunities for Professionals IN BANKING SECTOR Dinesh Gupta & Co Company Secretaries

2. ROLE OF BANKS • ROLE OF BANKING IN ACHIEVEMENT OF NATIONAL GOALS • PROVIDE IMPETUS TO EACH AND EVERY SECTOR • GOVERNMENT AND RBI CONCERNED ABOUT FOSTERING FINANCIAL INCLUSION

4. FUNCTIONS OF CS COMPLIANCE WITH BR ACT,RBI, CO. ACT, SEBI ETC CREDIT AND NPA MANAGEMENT LIASOINING WITH REGULATORS Resource Mobilization Strategy FORMULATION OF BANKING POLICIES Risk management Functions ROLE OF CS Treasury LEGAL DOCUMENTATION & DUE DILIGENCE AUDIT MERCHANT BANKING

5. PUBLIC SECTOR BANKS • Indian Bank • Indian Overseas Bank • Oriental Bank of Commerce • Punjab National Bank • Syndicate Bank • Union Bank of India • United Bank of India • Punjab and Sind Bank • UCO Bank • VijayaBank • SBI and Associate Banks • Allahabad Bank • Andhra Bank • Bank of Baroda • Bank of India • Bank of Maharashtra • Canara Bank • Central Bank of India • Corporation Bank • Dena Corporate Centre • IDBI Bank

6. PRIVATE SECTOR BANKS • OLD PRIVATE SECTOR BANKS • Catholic Syrian Bank Limited • Federal Bank Limited • Dhanlaxmi Bank Limited • Jammu & Kashmir Bank Limted • Karnataka Bank Limted • KarurVysya Bank Limited • City Union Bank Limited • Nainital Bank Limted • Ratnakar Bank Limted • South Indian Bank Limited • NEW PRIVATE SECTOR BANKS • ICICI Bank Limited • Axis Bank Limited • Indusind Bank Limited • Yes Bank Limited • HDFC Bank Limited • DCB Bank Limited • Kotak Mahindra Bank Limited • IDFC Bank Ltd • Bandhan Bank

7. NEW ARENAS IN BANKING SECTOR • IN PRINCIPLE APPROVAL GRANTED • 10 SMALL FINANCE BANKS • 11 PAYMENT BANKS • OBJECTIVE • - TO PROMOTE FINANCIAL INCLUSION • -NET WORTH – 100 CRORES • -SCHEDULED BANKS • - GRADUATED TO UNIVERSAL BANKS AFTER 5 YEARS • ENORMOUS OPPORTUNITIES FOR PROFESSIONALS

8. IN-PRICIPLE APPROVAL PAYMENT BANKS SMALL FINANCE BANKS 1. Au Financiers (India) Ltd., Jaipur 2. Capital Local Area Bank Ltd., Jalandhar 3. DishaMicrofin Private Ltd., Ahmedabad 4. Equitas Holdings P Limited, Chennai 5. ESAF Microfinance and Investments Private Ltd., Chennai 6. Janalakshmi Financial Services Private Limited, Bengaluru 7. RGVN (North East) Microfinance Limited, Guwahati 8. Suryoday Micro Finance Private Ltd., NaviMumbai 9. Ujjivan Financial Services Private Ltd., Bengaluru 10.Utkarsh Micro Finance Private Ltd., Varanasi 1. Aditya Birla Nuvo Limited 2. Airtel M Commerce Services Limited 3. CholamandalamDistribution Services Limited 4. Department of Posts 5. FinoPayTech Limited 6. National Securities Depository Limited 7. Reliance Industries Limited 8. ShriDilipShantilalShanghvi 9. Shri Vijay Shekhar Sharma 10.Tech Mahindra Limited 11.Vodafone m-pesa Limited

9. OPPURTUNITIES Conversion of NBFCs/Companies to Banking companies • MERGERS /AMALGAMATIONS AND RESRUCTURING • CONVERSION OF EXISTING NBFCS TO BANKING COMPANY • RESTRUCTURING OF CAPITAL • SECURITIZATION OF EXISTING LOAN ASSETS • DILUTION OF PRIVATE EQUITY BELOW 50% • RESTRUCTURING OF EXISTING BORROWINGS • ADDITIONAL CAPITAL INUSION • RESTRUCTURING OF NBFC BRANCHES TO BANK BRANCHES

10. Setting/ Up of Small FinaneBank • UNDER COMPANIES ACT, 2013 • Incorporating of a Banking Company:- • SFB as a Public Company • Net Worth Rs. 100 Crores • Corporate Governance:- • Majority Independent Directors • Fit & Proper Criteria • Board Committees and compliance with RBI guidelines • Secretarial and Legal • Framing of Different Policies • UNDER BANKING REGULATION ACT,1948 • Preparation of Manuals and Policies • Documentation:- • Formulation of MIS Reports • Development of Branch Expansion Policies

11. Other Areas • Risk Management Framework • Regulatory compliances and liasoing with RBI and other regulators • Credit ManagementServices • Audit • Secretarial Audit • Treasury • Merchant Banking

12. THANK YOU dineshgupta.cs@gmail.com