Manyan Bankunan Jama'a 10 a Indiya

Indiya tana da tsarin kuɗi mai ƙarfi sosai. Ana iya yin la’akari da kwanciyar hankalin kuɗi na ƙasa da ƙarfin bankunanta. An tsara sashin banki a Indiya. Bankin Reserve na Indiya yana kan gaba. Kuna da nau'ikan banki daban-daban a Indiya.

Waɗannan bankuna ne na jama'a ko bankunan da aka yi ƙasa, bankunan kamfanoni masu zaman kansu, bankunan haɗin gwiwar, bankunan yankunan karkara da ƙungiyoyin lamuni na farko na aikin gona. Bankunan kasashen waje da ke da rassa a Indiya su ma suna taka muhimmiyar rawa wajen tabbatar da daidaiton harkokin kudi.

Kusan shekaru goma da suka gabata, da yawa daga cikin manyan bankunan Amurka, irin su Lehmann Brothers Inc., sun shiga cikin ruwa saboda rikicin jinginar gida. Manyan bankuna da dama sun fuskanci matsalar wannan rikici. Duk da haka, dole ne a ce bankunan Indiya sun kasance ba tare da lalacewa ba. Wannan ya samo asali ne saboda kyakkyawan kulawar da Bankin Reserve na Indiya ya yi da kuma kyawawan dabi'u na bankunan Indiya gaba ɗaya.

Rarraba duk wani banki aiki ne mai sarkakiya domin abubuwa da yawa ya kamata a yi la’akari da su kamar yadda ake gudanar da harkokin bankin gaba daya, da ingancin kadarorinsa, samar da riba, gamsuwar abokin ciniki, karfin kasuwa da sauransu.

A cikin wannan labarin, za mu duba manyan bankunan sassan gwamnati guda goma. Wannan ya haɗa da bankunan ƙasa, Bankin Jiha na Indiya da Bankin IDBI. Muna ɗaukar bankunan da ke da alaƙa na Bankin Jiha a matsayin rukuni ɗaya, waɗanda aka haɗa su da Bankin Jiha na Indiya. Muna gabatar da ra'ayinmu na gaskiya bisa ƙididdiga (tassoshin ma'auni da aka bincika kamar a 31 Maris 2016). A ƙasa akwai jerin manyan bankunan sassan gwamnati goma a Indiya a cikin 2022.

10. BANKIN KEJEN INDIA

A lamba 10 muna da bankin Indiya na waje daga Chennai. An kafa shi a cikin 1937, bankin Indiya na waje yana da rassa 3397 a Indiya, kusan kashi ɗaya bisa uku na suna cikin Tamil Nadu kaɗai. Bankin yana da rassa 8 a kasashen waje, duk a Asiya. Jimlar kasuwancin bankin ya kai Rs 397241 17.40 crore. Wannan banki yana da kaso mafi girma na kadarorin da ba sa aiki (NPA) (2897%) a tsakanin sauran bankunan. Wannan ya haifar da babbar asara ga bankin Rs 2015 crore a 16-.

09. BANKIN SYNDICATE:

Bankin Syndicate, reshe a Manipal, yana matsayi na 9 a cikin wannan jerin manyan bankunan sassan gwamnati 10 a Indiya. An kafa shi a cikin 1925, wannan bankin yana Kudancin Indiya. Duk da haka, a cikin 'yan kwanakin nan su ma sun shiga arewa. Tare da jimlar reshe na 3766, Bankin Syndicate yana da jimlar kasuwancin Rs 468184 crore. Matsayin NPA (6.70%) a wannan banki ya yi ƙasa kaɗan idan aka kwatanta da takwarorinsa. Bankin Syndicate ya sanya asarar Rs 1643 crore a cikin 2015–16.

08. IDBI BANK:

Wannan shi ne banki daya tilo a cikin wannan jerin da ba ya cikin bangaren bankin da aka ware na kasa. Duk da haka, hannun jarin gwamnatin Indiya daidai yake da na sauran bankunan da ke da ƙasa. Don haka, zaku iya ɗaukar wannan banki a matsayin bankin jama'a. Wannan banki mai hedikwata a Mumbai, an kafa shi ne a cikin 1964 ta wani aiki na musamman na Majalisar. Tare da jimlar yawan rassa na 1846, wannan banki yana da matakin kasuwanci na Rs 481613 11.52 crore. Bankin yana da babban matsayi na NPA (3664%), wanda ya haifar da asarar banki na Rs 2015 crore a cikin 16-8. Ta hanyar juzu'i na gabaɗaya, wannan banki ya mamaye wurin -th a cikin wannan jeri.

07. BAKIN TSARKI NA INDIA:

An kafa shi a cikin 1911 ta fitaccen ma'aikacin banki Sir Sorabji Pochkanwala, wannan bankin yana cikin Mumbai. Duk da haka, yana da yawa a cikin jihohin arewa ma. An san shi don kyakkyawan sabis na abokin ciniki da kuma ƙarfafa yin amfani da Hindi a cikin wasiƙar hukuma, wannan banki yana da jimillar rassa 4728 a duk faɗin Indiya. A wani lokaci, wannan bankin ya kasance na farko a matsayi. Sai dai yanzu ya koma matsayi na 1 inda jimlar cinikin ya kai Rs 7 crore. Bankin yana da babban NPA (456336%), wanda ke rage ribarsa. Sanya asarar Rs 11.95 crore a cikin 1418-2015, kamfanin yana fatan samun riba a wannan shekara.

06. Bankin INDIA:

Bankin Indiya, ɗaya daga cikin tsofaffin bankuna a Indiya, kuma yana cikin Mumbai. Kasancewa tun 1906, wannan bankin ya kasance cikin kwanciyar hankali a cikin shekaru da yawa, ya kai adadin Rs 872190 crores. Yawancin banki ne da ke Yammacin Indiya tare da kyakkyawar kasancewar a arewa kuma. Kuna iya kwatanta girman wannan banki da Babban Bankin Indiya. Bankin Indiya yana da kusan rassa 5077, daga cikinsu 61 suna kasashen waje.

Wannan banki yana da kashi 13.89 na NPA sosai. Don haka, za ku sami tabarbarewar ribar riba yayin da bankin ya yi asara mafi girma a bana na Rs 6089 crores. Sun ce sun share asusun ajiyar su sosai kuma suna fatan gyara lamarin a bana. Lokaci ne kawai zai iya sanin ko wannan bankin zai ci gaba daga lamba 6 a yanzu.

05. CANARA BANK:

Bayan wasu bankuna a Mumbai, mun dawo bankin kudanci, Canara Bank mai lamba 5. Babban bankin amintaccen babban hedikwata ne a Bangalore mai rassa kusan 5849, gami da rassa 9 a kasashen waje. An kafa shi a Mangalore a cikin 1906, wannan banki ya sami babban nasara kuma yana ɗaya daga cikin manyan bankuna uku a Indiya tsawon shekaru. Tare da jimlar kasuwancin Rs 3 crore, wannan banki ya sanya asarar Rs 804507 crore a cikin 2812-2015 saboda zamewar kwanan nan. Ya zuwa yau, adadin NPA (16%) ya zarce zuwa matsakaicin ƙasa. Koyaya, kasancewar yana da 9.74 a wannan shekara, yana da yuwuwar haɓakawa a nan gaba.

04. BAKIN BAROD:

Yankunan yammacin Indiya suna da kaso mafi girma na bankunan da aka kafa ƙasa, tare da Bankin Baroda wanda ke da hedkwata a Mandvi, Baroda a Gujarat. Tare da Bankin Indiya, wannan banki yana da wakilci sosai a ƙasashen waje tare da rassa 49, yawancin su suna cikin ƙasashen Gulf. Adadin rassansa 5379. An kafa shi a shekarar 1908, yana daya daga cikin bankunan farko da aka mayar da kasar a shekarar 1969. Jimlar yawan ayyukan wannan banki shine Rs 957808 10.56 crores, wanda shine ɗayan mafi girma a cikin masana'antar tare da Babban Bankin Punjab. Wannan bankin yana da kaso mai tsoka na NPA (5395%), bayan da ya yi rahoton asarar da ya kai 2015 crore a cikin 16-. Wannan wani bangare ne na aikin tsaftacewa.

03. Bankin UNION OF INDIA:

Union Bank of India wani banki ne na Mumbai wanda aka kafa a cikin 1919. Daya daga cikin bankunan kasar Indiya da suka samu riba sosai a bana, jimlar kasuwancin bankin ya kai Rs 620445 crore 8.70. Kashi na NPA mai kyau (4200%), wannan bankin ya yi kyakkyawan aiki a bana, inda ya haura mukamai da dama a gaban takwarorinsa kamar bankin Canara, da dai sauransu, yana da rassa 4, daga cikinsu 1351 na kasar waje, wannan bankin ya fitar da riba mai yawa. na Rs 2015 crore a cikin shekaru 16-3. Bankin ya cancanci matsayi a cikin manyan uku a Indiya saboda kyakkyawan aikin da ya yi a wannan shekara.

02. BAKIN KASA NA PUNJAB:

Daga kudu da yamma muna tafiya zuwa arewacin Indiya. An kafa shi a cikin 1894 kuma yana da hedikwata a Delhi, Bankin Kasa na Punjab yana daya daga cikin tsoffin bankuna a Indiya. Wannan banki yana da mafi girman aikin kasuwanci a tsakanin bankunan da aka kafa ƙasa a Indiya tare da jimlar kasuwancin Rs 965377 crore 13.54 crore. Koyaya, wannan banki yana da babban kaso na NPA - 2015% a cikin 16-3974. Wannan shi ne dalilin buga asarar Rs 6760 crore a cikin kasafin kudin wannan shekara. Tare da kusan rassa 2, wannan banki na iya ɗaukar matsayi na biyu bayan Bankin Jiha na Indiya.

01. BAKIN JIHAR INDIA:

An kafa shi a matsayin Bankin Calcutta a 1806, wannan bankin ya zama Bankin Imperial na Indiya a cikin 1921. An sanya wa bankin sunan bankin Jiha na Indiya ta wani doka ta musamman na Majalisar a 1955. Shi ne banki na farko da ya fuskanci zama kasa a 1956. Bankin Jiha na Indiya yana da bankuna bakwai masu alaƙa. Daga baya ta kwace biyu daga cikinsu kuma a yau bankuna biyar ne kawai suka rage.

Это «Большой папа» всех банков Индии с более чем 13000 31,94,422 филиалов и бизнесом в 6.71 9950 1 крор рупий. Весь финансовый бизнес индийского правительства находится в этом банке. У этого банка самый низкий процент NPA среди всех банков (2%). С чистой прибылью в размере крор рупий в этом финансовом году этот банк готов занять первое место в ближайшие годы. Остальные банки могут бороться за позиции № и далее.

Kodayake banki yana da sigogi da yawa don kimantawa, mun mayar da hankali ne kawai kan manyan abubuwan kasuwanci. Kuna iya ganin yawancin bankunan sun yi babban asara a bana. Wannan shi ne saboda duk bankunan suna kan aiwatar da tsaftace ma'auni kafin ka'idojin Basel III su fara aiki a cikin 2022. Duk da asarar da aka yi, dole ne a ba da bashi ga ayyukan waɗannan bankunan Indiya don iya jure wa mafi munin tashin hankalin kuɗi.