Понравилась презентация – покажи это...
10 Fundamentals of Small Banks
What are small banks? The small finance bank will primarily undertake basic banking activities of acceptance of deposits and lending to unserved and underserved sections including small business units, small and marginal farmers, micro and small industries and unorganized sector entities.
#1 Promoter must contribute minimum 40% equity capital and should be brought down to 30% in 10 years.
#2 Minimum paid-up capital would be Rs.100 cr
#3 Capital adequacy ratio should be 15% of risk weighted assets, Tier-I should be 7.5%
#4 Foreign shareholding capped at 74% of paid capital, FPIs cannot hold more than 24%
#5 Priority sector lending requirement of 75% of total adjusted net bank credit
#6 50% of loans must be up to Rs.25 lakh
#7 They can take small deposits and disburse loans
#8 They can distribute mutual funds, insurance products and other simple third-party financial products
#9 They can lend 75% of their total adjusted net bank credit to priority sector
#10 Maximum loan size would be 10% of capital funds to single borrower, 15% to a group, Minimum 50% of loans should be up to 25 lakhs
The 10 applicants who have a go ahead 1) Au Financiers (India) Ltd. 2) Capital Local Area Bank Ltd. 3) Disha Microfin Pvt. Ltd. 4) Equitas Holdings Pvt. Ltd. 5) ESAF Microfinance and Investments Pvt. Ltd. 6) Janalakshmi Financial Services Pvt. Ltd. 7) RGVN (North East) Microfinance Ltd. 8) Suryoday Micro Finance Pvt. Ltd. 9) Ujjivan Financial Services Pvt. Ltd. 10) Utkarsh Micro Finance Pvt. Ltd.
Thank You! Don’t forget to follow Kotak Securities on SlideShare to get regular updates! Get eBooks Website DEMAT Account
• Disclaimer: • Kotak Securities Limited. Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051. CIN: U99999MH1994PLC134051, Telephone No.: +22 43360000, Fax No.: +22 67132430. Website: www.kotak.com. Correspondence Address: Infinity IT Park, Bldg. No 21, Opp. Film City Road, A K Vaidya Marg, Malad (East), Mumbai 400097. Telephone No: 42856825. SEBI Registration No: NSE INB/INF/INE 230808130, BSE INB 010808153/INF 011133230, MSEI INE 260808130/INB 260808135/INF 260808135, AMFI ARN 0164, PMS INP000000258 and Research Analyst INH000000586. NSDL: IN-DP-NSDL- 23-97. CDSL: IN-DP-CDSL-158-2001. Compliance Officer Details:Mr. Manoj Agarwal. Call: 022 - 4285 6825, or Email: firstname.lastname@example.org . In case you require any clarification or have any concern, kindly write to us at below email ids: Level 1: For Trading related queries, contact our customer service at ‘email@example.com’ and for demat account related queries contact us at firstname.lastname@example.org or call us on: Online Customers – 30305757 (by using your city STD code as a prefix) or Toll free numbers 18002099191 / 1800222299, Offline Customers – 18002099292 Level 2: If you do not receive a satisfactory response at Level 1 within 3 working days, you may write to us at email@example.com or call us on 022 – 4285 8445 and if you feel you are still unheard, write to our customer service HOD at firstname.lastname@example.org or call us on 022-4285 8208 Level 3: If you still have not received a satisfactory response at Level 2 within 3 working days, you may contact our Compliance Officer (Name:Mr. Manoj Agarwal) at email@example.com or call on 91(022) 4285 6825. Level 4: If you have not received a satisfactory response at Level 3 within 7 working days, you may also approach CEO (Mr. Kamlesh Rao) at firstname.lastname@example.org or call on 91-(022) 6652 9160. This is an editorial content, our research should not be considered as an advertisement or advice, professional or otherwise. The investor is requested to take into consideration all the risk factors including their financial condition, suitability to risk return profile, and the like and take professional advice before • • • • • •