Amabhange aphezulu ayi-10 embonini yomphakathi e-India
Okuqukethwe
I-India inohlelo lwezezimali oluqinile kakhulu. Ukusimama kwezimali kwezwe kungahlulelwa ngamandla amabhange alo. Umkhakha wamabhange e-India uhlelekile. I-Reserve Bank of India yiso esiholayo. Unezinhlobo ezahlukene zamabhange e-India.
Lawa amabhange omkhakha kahulumeni noma amabhange agunyazwe kuzwelonke, amabhange ezinkampani ezizimele, amabhange ama-cooperative, amabhange esifunda asemakhaya kanye nezinhlangano ezibolekisa ngemali yezolimo. Amabhange angaphandle anamagatsha e-India nawo adlala indima ebalulekile ekugcineni uzinzo lwezezimali.
Cishe eminyakeni eyishumi edlule, amabhange amaningi aseMelika ahamba phambili, njengeLehmann Brothers Inc., aqala ukuqedwa ngenxa yenkinga yemali mboleko. Amabhange amaningi amakhulu abhekane nobunzima bale nkinga. Kodwa-ke, kufanele kushiwo ukuthi amabhange aseNdiya ahlala engenamyocu. Lokhu kudalwe ngokuyinhloko ukwengamela okuyisibonelo okwenziwa yi-Reserve Bank of India kanye namanani aqinile emvelo amabhange ase-India ewonke.
Ukulinganisa noma yiliphi ibhange kuwumsebenzi onzima njengoba izici eziningi zidinga ukucatshangelwa njengebhizinisi lilonke lebhange, ikhwalithi yezimpahla zalo, ukukhiqizwa kwenzuzo, ukwaneliseka kwamakhasimende, imali yemakethe, njll.
Kulesi sihloko, sizobheka amabhange aphezulu ayishumi ezinkampani zikahulumeni. Lokhu kubandakanya amabhange agunyazwe uhulumeni, Ibhange Lombuso LaseNdiya kanye ne-IDBI Bank. Siphatha amabhange ahlotshaniswayo eBhange Lombuso njengeqembu elilodwa, elihlanganiswe neBhange Lombuso laseNdiya. Sethula imibono yethu eqotho esekelwe kwizibalo (audited balance sheets kusukela zingama-31 March 2016). Ngezansi kunohlu lwamabhange aphezulu ayishumi ezinkampani zikahulumeni eNdiya ngo-2022.
10. INDIAN OVERSEAS BANK
Kunombolo 10 sinebhange lase-Indian Overseas laseChennai. Yasungulwa ngo-1937, i-Indian Overseas Bank inamagatsha angu-3397 eNdiya, cishe ingxenye yesithathu yawo atholakala eTamil Nadu kuphela. Ibhange linamagatsha angu-8 phesheya, wonke ase-Asia. Isamba sebhizinisi sebhange sizungeze ama-Rs 397241 17.40 crore. Leli bhange linephesenti eliphezulu kakhulu lezimpahla ezingasebenzi (NPA) (2897%) phakathi kwawo wonke amanye amabhange. Lokhu kubangele ukulahlekelwa okukhulu kwebhange lama-Rs 2015 crore ngo-16–.
09. SYNDICATE BANK:
I-Syndicate Bank, igatsha eliseManipal, ikleliswe endaweni yesi-9 kulolu hlu lwamabhange aphezulu ayi-10 omkhakha kahulumeni eNdiya. Leli bhange lasungulwa ngo-1925, liseNingizimu ye-India. Nokho, ezikhathini zamuva nje baye babhekisa amabombo enyakatho. Ngenani eliphelele lamagatsha angu-3766, iSyndicate Bank inebhizinisi eliphelele lama-Rs 468184 crore. Izinga le-NPA (6.70%) kuleli bhange liphansi uma kuqhathaniswa nontanga yalo. I-Syndicate Bank ithumele ukulahlekelwa kwezigidi ezingu-Rs 1643 ngo-2015–16.
08. IDBI BANK:
Leli yibhange kuphela kulolu hlu elingelona elomkhakha wamabhange afakwe ngaphansi kukahulumeni. Kodwa-ke, isabelo sobunikazi sikaHulumeni waseNdiya siyafana nesamabhange afakwe ezweni. Ngakho-ke, ungabheka leli bhange njengebhange lomkhakha womphakathi. Leli bhange, elinekomkhulu eMumbai, lasungulwa ngo-1964 ngesenzo esikhethekile sePhalamende. Ngenani eliphelele lamagatsha amagatsha angu-1846, leli bhange linezinga lebhizinisi lama-Rs 481613 11.52 crore. Ibhange linesikhundla esiphezulu se-NPA (3664%), okuholela ekulahlekelweni kwebhange kwe-Rs 2015 crore ku-16-8. Ngemingcele evamile, leli bhange lithatha indawo -th kulolu hlu.
07. IBHANGE ELIPHAKATHI LASE-INDIA:
Leli bhange lasungulwa ngo-1911 ngumabhange ovelele uSir Sorabji Pochkanwala, leli bhange lizinze eMumbai. Nokho, inobukhona obukhulu nasezifundeni ezisenyakatho. Laziwa ngomsebenzi walo omuhle wamakhasimende kanye nokukhuthaza ukusetshenziswa kwesi-Hindi ekubhaleni izincwadi ezisemthethweni, leli bhange linamagatsha angama-4728 kulo lonke elaseNdiya. Ngesinye isikhathi, leli bhange lalibekwe kuqala ohlwini. Kodwa-ke, manje seyehlele endaweni yokuqala ngebhizinisi eliphelele lama-Rs 1 crore. Ibhange lineNPA ephezulu (7%), enciphisa inzuzo yalo. Ithumela ukulahlekelwa kwe-Rs 456336 crore ngo-11.95-1418, inkampani inethemba lokwenza inzuzo kulo nyaka.
06. IBHANGE LASE-INDIA:
I-Bank of India, elinye lamabhange amadala eNdiya, nayo itholakala eMumbai. Likhona kusukela ngo-1906, leli bhange lisebhizinisini elizinzile eminyakeni edlule, lafinyelela inani lama-Rs 872190 crores. Ikakhulukazi ibhange elizinze eNtshonalanga ye-India elitholakala kahle nasenyakatho. Ungaqhathanisa leli bhange ngosayizi neBhange Elikhulu laseNdiya. I-Bank of India inamagatsha angaba ngu-5077, angu-61 kuwo aphesheya kwezilwandle.
Leli bhange linephesenti eliphezulu kakhulu le-NPA (13.89%). Ngakho-ke, uzothola ukuwohloka kwezilinganiso zenzuzo njengoba ibhange lilahlekelwe kakhulu kulo nyaka lama-Rs 6089 crores. Bathi sebewahlanze kahle ama-akhawunti abo futhi banethemba lokuthi bazosilungisa lesi simo kulo nyaka. Isikhathi kuphela esingasho ukuthi leli bhange lizoqhubekela phambili yini ukusuka kunombolo yalo yamanje engu-6.
05. IBHANGE LE-CANARA:
Ngemva kwamabhange ambalwa eMumbai, sibuyela ebhange eliseningizimu, iCanara Bank inombolo 5. Ibhange elithembekile elinekomkhulu e-Bangalore elinamagatsha angaba ngu-5849, kuhlanganise namagatsha angu-9 phesheya. Leli bhange lasungulwa e-Mangalore ngo-1906, selizuze impumelelo enkulu futhi libe ngelinye lamabhange amathathu aphezulu eNdiya iminyaka eminingi. Ngebhizinisi eliphelele lama-Rs 3 crore, leli bhange lithumele ukulahlekelwa kwama-Rs 804507 crore ngo-2812-2015 ngenxa yokushelela kwakamuva. Kuze kube manje, iphesenti le-NPA (16%) selizungeza isilinganiso sikazwelonke. Kodwa-ke, njengoba ikleliswe ku-9.74 kulo nyaka, inamandla okukhuphuka ngokuzayo.
04. BAROD BANK:
Izifunda ezisentshonalanga ye-India zinephesenti eliphezulu kakhulu lamabhange afakwe kuzwelonke, kanti iBank of Baroda ikomkhulu layo liseMandvi, eBaroda eGujarat. Kanye neBank of India, leli bhange limelelwe kahle phesheya namagatsha angama-49, iningi lawo atholakala emazweni aseGulf. Isamba samagatsha awo angama-5379. Yasungulwa ngo-1908, yaba ngelinye lamabhange okuqala ukuba ngaphansi kombuso ngo-1969. Isamba esiphelele sokusebenza kwaleli bhange ngama-Rs 957808 10.56 crores, okungelinye eliphezulu kakhulu embonini kanye ne-National Bank of Punjab. Leli bhange linephesenti eliphezulu le-NPA (5395%), njengoba libike ukulahlekelwa kwengqikithi yama-Rs 2015 crore ku-16–. Lokhu kuyingxenye yenqubo yokuhlanza.
03. I-UNION BANK YASE-INDIA:
I-Union Bank of India yibhange elizinze eMumbai elasungulwa ngo-1919. Elinye lamabhange ambalwa e-India enze inzuzo enkulu kulo nyaka, ibhizinisi lebhange lilonke lingama-Rs 620445 crore 8.70 crore. Ngamaphesenti ahloniphekile e-NPA (4200%), leli bhange lenze kahle kakhulu kulo nyaka, likhuphuka izikhundla eziningana ngaphambi kontanga yalo njengeCanara Bank, njll. Ngamagatsha angu-4, angu-1351 atholakala phesheya, leli bhange lishicilele inzuzo egcwele. ngama-Rs 2015 crore eminyakeni eyi-16-3. Ibhange lifanelwe indawo phakathi kwamathathu aphezulu e-India ngenxa yokusebenza kahle kwalo kulo nyaka.
02. I-PUNJAB NATIONAL BANK:
Ukusuka eningizimu nasentshonalanga siya ngasengxenyeni esenyakatho yeNdiya. Yasungulwa ngo-1894 futhi izinze eDelhi, iPunjab National Bank ingelinye lamabhange amadala eNdiya. Leli bhange linokusebenza okuphezulu kakhulu kwebhizinisi phakathi kwamabhange afakwe kuzwelonke e-India anenani eliphelele lebhizinisi lama-Rs 965377 crore 13.54 crore. Kodwa-ke, leli bhange linephesenti eliphezulu le-NPA - 2015% ku-16-3974. Lesi yisizathu sokuthumela ukulahlekelwa kwe-Rs 6760 crore kulo nyaka wezimali. Cishe ngamagatsha ama-2, leli bhange lingathatha indawo yesibili ngemuva kweBhange Lombuso laseNdiya.
01. IBHANGE LIKASIZWE LASE-INDIA:
Ekuqaleni yasungulwa njengeBhange laseCalcutta ngo-1806, leli bhange laba yi-Imperial Bank of India ngo-1921. Ibhange laqanjwa ngokuthi iBhange Lombuso laseNdiya ngesenzo esikhethekile sePhalamende ngo-1955. Kwakuyibhange lokuqala ukubhekana nokugunyazwa kwezwe ngo-1956. Ibhange Lombuso laseNdiya lalinamabhange ayisikhombisa ahlobene. Ngemuva kwalokho yathatha amabili awo kanti namuhla sekusele amabhange amahlanu kuphela.
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.
Nakuba ibhange linemibandela embalwa okufanele ihlolwe, sigxile kuphela ezicini eziyinhloko zebhizinisi. Uyabona ukuthi iningi lamabhange lilahlekelwe kakhulu kulo nyaka. Lokhu kungenxa yokuthi wonke amabhange asohlelweni lokuhlanza amaphepha awo ebhalansi ngaphambi kokuba imithetho ye-Basel III iqale ukusebenza ngo-2022. Naphezu kokulahlekelwa, isikweletu kufanele sinikezwe umsebenzi wala mabhange aseNdiya ngokukwazi kwawo ukumelana nezimo ezinzima kakhulu zezezimali.
