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8/14/2019 Non Banking Financial Companies - 2007
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Non Banking FinancialCompanies - 2007
Dr P Janakiramudu andProf Chowdari Prasad
January 19, 2008
http://images.google.co.in/imgres?imgurl=http://www.latvianbanks.com/banks/LatvianBanks4.jpg&imgrefurl=http://www.latvianbanks.com/banks/banking_sector.htm&h=345&w=489&sz=81&hl=en&start=9&tbnid=QM-wWbX-yWONCM:&tbnh=92&tbnw=130&prev=/images%3Fq%3DBanks%26gbv%3D2%26svnum%3D10%26hl%3Den%26sa%3DG8/14/2019 Non Banking Financial Companies - 2007
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NBFCs Research PJCP 2008 2
Indian Financial System
Development Financial Institutions IFCI,IIBI, TFCI, EXIM Bank, SIDBI, NABARD, NHB,IL& FS, IDFC., etc..
Commercial Banks PSBs (including StateBank Group), Private (Old & New), Foreign,Cooperative and Local Area Banks
Non Banking Financial Companies Others National Small Savings/Post Office
Schemes (GOI) and Stock Exchanges...
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NBFCs Research PJCP 2008 3
NBFCs - Business Incorporated under Companies Act, 1956
Registered with RBI/ SEBI/ IRDA/ PFRDA/ NHB Acceptance of Public Deposits and / or
Engaged in Financial Services like - 1.Lease Financing2.Hire Purchase 3.Bill Discounting 4.Insurance 5.MerchantBanking 6.Stock Broking 7.Housing Finance 8.Investmentsin Securities 9.Granting of loans 11.Factoring and Forfaiting12.Credit Rating 13.Credit Information Bureau 14.CreditCard Companies 15.Mutual Funds 16.Primary Dealers
17.Asset Reconstruction 18.Securitisation 19. Chit Funds20. Nidhis (Mutual Benefit Companies), 21. VC / PE funding,22. Micro Financing, etc.
Banks, SIDBI and NABARD extend loans to NBFCs
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NBFCs Research PJCP 2008 4
VARIOUS COMMITTEES Bhabatosh Dutta Study Group - 1971 James Raj Study Group - 1975 Sukhmoy Chakravarty Committee - 1985
Narayan Vaghul Committee - 1987 S Narasimham Committee on FSR - 1991 Dr A C Shah Committee - 1992
Khanna Group - 1996 Mrs Shere Committee - 1997 CM Vasudev Task Force - 1998
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NBFCs Research PJCP 2008 5
NBFCs : CLASSIFICATION
FUND BASED ACTIVITIES Deposits, Equipment Leasing, Hire
Purchase, Bills Discounting, Loans/
Investments, Housing Finance, Factoring,Forfaiting, ARCs, Credit Cards etc.
FEE BASED ACTIVITIES Issue Management, Portfolio Management,
Corporate Counselling, Loan/Lease Syndi-cation, M & A, Capital Restructuring, CreditRating, CIBIL,etc.
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NBFCs Research PJCP 2008 7
Acceptance of Deposits : Rules
Banking Laws (Misc Provns) Act, 1963 NBFC Directions, 1977 MNBCs Directions, 1977
RNBCs Directions, 1987 Amendments to RBI Act and Issue of NBFCs Acceptance of Public Deposits(RBI) Directions 1998 ( in place of earlier Directions, 1977) and from time to time
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NBFCs Research PJCP 2008 9
Prudential Norms......contd.8. Rules for release of Advertisement soliciting
deposits9. Disclosures in Deposit Application Forms10. Exposure norms / ceilings for lending11. Income Recognition and Asset Classification
norms NPAs and Provisioning for bad debts12. 20% Reserve transfer from Profits every year 13. Asset Liability Management System14. Statutory Audit as per RBI Guidelines15. Corporate Governance requirements16. Know Your Customer (KYC) norms compliance
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NBFCs Research PJCP 2008 10
Some Data on NBFCsSource : Trend and Progress of Banking in
India, 2006-2007 : Reserve Bank of India
http://images.google.co.in/imgres?imgurl=http://www.bloomberg.com/apps/data%3Fpid%3Davimage%26iid%3Di3H8gAU7bsXU&imgrefurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601091%26sid%3DaFboo0p6RH30%26refer%3Dindia&h=360&w=488&sz=24&hl=en&start=2&tbnid=FlQW5f-3RXW7cM:&tbnh=96&tbnw=130&prev=/images%3Fq%3DReserve%2BBank%2Bof%2BIndia%26gbv%3D2%26svnum%3D10%26hl%3Den%26sa%3DG8/14/2019 Non Banking Financial Companies - 2007
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NBFCs Research PJCP 2008 11
1.Number of NBFCs regd with RBI
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2. Profile of NBFCs
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3.Share of Public Deposits of NBFCs inBroad Liquidity (L3) of Total SCBs Deposits
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NBFCs Research PJCP 2008 14
4. Major components of LiabilitiesNBFCs-D-Group-wise
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5.Public Deposits held byNBFCs-D-Group-wise
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NBFCs Research PJCP 2008 17
7. Public Deposits held by NBFCs-Region-wise
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8. Distribution of Public Deposits of NBFCs-D according to Rate of Intt
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9. Maturity Pattern of PublicDeposits held by NBFCs-D
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11. Borrowings by NBFCs-D
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l f f
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13. Financial Performance of NBFCs
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Some more data......
To refer to www.rbi.org.in Trends andProgress of Banking in India, 2007
http://www.rbi.org.in/http://images.google.co.in/imgres?imgurl=http://lh3.google.com/_FiSjqgnQ35Y/RuUWr_J2PhI/AAAAAAAADYA/n2bkcbggb28/s800/IMG_2050.jpg&imgrefurl=http://picasaweb.google.com/lh/photo/Ef3FiJuFmcGCX6q0AXjLvg&h=800&w=600&sz=58&hl=en&start=13&tbnid=0muoNNWeXbDzYM:&tbnh=143&tbnw=107&prev=/images%3Fq%3DReserve%2BBank%2Bof%2BIndia%26gbv%3D2%26svnum%3D10%26hl%3Den%26sa%3DGhttp://www.rbi.org.in/Recommended