ICMI School of Banking and Finance

आई सी एम आई स्कूल ऑफ़ बैंकिंग एंड फाइनेंस

Public-Sector Banks


Public Sector Banks (PSBs) are banks where a majority stake (i.e. more than 50%) is held by a government. The shares of these banks are listed on stock exchanges. There are a total of 27 PSBs in India [19 Nationalised banks + 6 State bank group (SBI + 5 associates)+IDBI+BMB ].

Some examples are:
State Bank of India
State Bank of Hyderabad
Allahabad Bank
Bank of Baroda
Canara Bank
Central Bank of India
UCO Bank
Vijaya Bank
IDBI Bank PVT LTD
Bharatiya Mahila Bank

Private-Sector Banks


The private-sector banks in India represent part of the indian banking sector that is made up of both private and public sector banks. The "private-sector banks" are banks where greater parts of stake or equity are held by the private shareholders and not by government.

Some examples are:
Axis Bank
Bandhan Bank
Dhanlaxmi Bank
Federal Bank
HDFC Bank
ICICI Bank
IndusInd Bank
Yes Bank

Foreign Banks


A foreign bank with the obligation of following the regulations of both its home and its host countries. Loan limits for these banks are based on the capital of the parent bank, thus allowing foreign banks to provide more loans than other subsidiary banks.

Some examples are:
Australia and New Zealand Banking Group
Commonwealth Bank of Australia
Deutsche Bank
American Express
Bank of America
Citibank

Regional Rural Banks (RRBs)


Regional Rural Banks (also RRBs) are local level banking organizations operating in different States of India. They have been created with a view to serve primarily the rural areas of India with basic banking and financial services.

Some examples are:
Andhra Pradesh Grameena Vikas Bank
Chhattisgarh Rajya Gramin Bank
Punjab Gramin Bank
Baroda Rajasthan Kshetriya Gramin Bank
Uttarakhand Gramin Bank
Uttarbanga Kshetriya Gramin Bank

Cooperative Banks


A bank that holds deposits, makes loans and provides other financial services to cooperatives and member-owned organizations. Also known as Banks for Cooperatives.

Some examples are:
Arunachal Pradesh State Co-operative Apex Bank
Punjab State Co-operative Bank
Rajasthan State Co-operative Bank
Uttarakhand State Co-operative Bank

Stock Brokers


A stockbroker is a regulated professional individual, usually associated with a brokerage firm or broker-dealer, who buys and sells stocks and other securities for both retail and institutional clients, through a stock exchange or over the counter, in return for a fee or commission.

Some examples are:
Adinath Capital Services Limited
Alankit Assignments Ltd.
Anand Rathi Financial Services Limited
ICICI Securities Limited
IDBI Capital Market Services Ltd
India Infoline Ltd.
Indiabulls Securities Ltd.
Karvy Stock Broking Ltd
Kotak Mahindra Securities Ltd.

Private Equity And Venture Capital


Private equity is equity capital that is not quoted on a public exchange. Private equity consists of investors and funds that make investments directly into private companies or conduct buyouts of public companies that result in a delisting of public equity.
Venture capital is money provided by investors to startup firms and small businesses with perceived long-term growth potential. This is a very important source of funding for startups that do not have access to capital markets.

Some examples are:
Acer Technology Ventures.
IDFC Private Equity.
Kotak Private Equity Group.
American Express.
Punjab Venture Capital Ltd.
TDA Capital Partners Inc.

NBFC (Non-Banking Financial Companies)


Non-banking financial companies, or NBFCs, are financial institutions that provide banking services, but do not hold a banking license. These institutions are not allowed to take deposits from the public. Nonetheless, all operations of these institutions are still covered under banking regulations.

Some examples are:
HDFC
Power Finance Corporation
Infrastructure Development Finance Company
LIC Housing Finance
National Bank of Agricultural and Rural Development
IFCI

Investment Banks


A fully operating investment bank is usually referred to a financial and banking organization, which provides both financial as well as advisory banking services to their clients. Apart from that, an investment bank even deals with research, marketing and sales of a range of financial products like commodities, currency, credit, equities etc.

Some examples are:
Bank of America.
Barclays Capital: B. N. P. Paribas.
Kotak Mahindra Bank Limited.
The Hongkong and Shanghai Banking Corporation Limited.
Yes Bank Limited.

Development Bank


Financial institutions dedicated to fund new and upcoming businesses and economic development projects by providing equity capital and/or loan capital.
In short, a development bank is a development- oriented bank.

Some examples are:
Industrial Finance Corporation of India (IFCI).
Industrial Development Bank of India (IDBI).
Small Industries Development Bank of India (SIDBI).

Wealth Management


Wealth management is a high-level professional service that combines financial/investment advice, accounting/tax services, retirement planning and legal/estate planning for one fee.

Some examples are:
ICICI Asset Management Company.
HDFC Asset Management Company.
Reliance Asset Management Company.
UTI Asset Management Company.
Franklin Templeton.
L & T Finance Limited.
SBI Capital Markets.
Axis Asset Management Company.

Venture Capital Fund

Some examples are:
Aavishkaar India Micro Venture Capital Fund
Aboyne India Trust
ACA Private Equity Trust
Adharshila Venture Capital Fund
Aditya Birla Private Equity Trust
Akruti City Venture Capital Fund

Mutual Fund / Asset Management Company


A mutual fund is a pool of money from numerous investors who wish to save or make money just like you. Investing in a mutual fund can be a lot easier than buying and selling individual stocks and bonds on your own. Investors can sell their shares when they want.

Some examples are:
Name of Mutual Fund / Asset Management Company .
Axis Asset Management Company Ltd.
HDFC Asset Management Company Ltd.
HSBC Asset Management (India) Pvt. Ltd.
ICICI Prudential Asset Management Company Ltd
IDBI Asset Management Ltd.
Religare Asset Management Company Private Ltd.
SBI Funds Management Private Ltd.