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New capitals of Migrant banks Well-lived... Monetary policy continues to adopt dis-inflationary path Emerging crisis Targets continue to be ad hoc Mega merger is on Banking on Risk Lacklustre credit expansion Aadhaar, niraadhaar and banking Financial inclusion vs unclaimed deposits Governance in Reverse Gear? United India Insurance - Rs 110 crore losses have been claimed till now due to floods in Tamil Nadu Cradle of banks to a smart city... Anytime banking to anywhere banking Fund healthcare clinics in villages... Nothing much can happen…. Insatiable appetite for credit Why any time money? Just 660 days! Target over-ambitious... Small finance payment banks... LVB- A supermarket of financial services Thirty more cities seek to become SMART From lazy banking to easy banking Stage set for Indian ‘avatar’ of foreign banks Two banks: their jubilees and performances Reaching the Unreached… Too big to fail and too small to sail Banking overhauling or reorganisation? Reaching out: is it slowing down? Ernakulam excels... Payment banks have arrived Cut in repo rate – lower than expected Rationalised Growing volume of stressed assets… What is the priority – mergers or NPA reduction? Who is the real beneficiary? Grows Bigger Bottomlines shrink, bad loans rise... Why priority status? Cautious and considerate Merger mania haunts banks Greet Lakshmi the banking robot How okay are new banks? All that glitters is not gold... Hesitancy in announcing year-end results It’s a war on black money, support it. New bank licences, at last... A bank for women, by women Ferrying digital banking to Lakshadweep One down in private sector Capital base of regional rural banks raised A new development bank rising in the east… Indian customers are tech savvy Small is ‘more’ beautiful Another route for achieving financial inclusion The paradox: clamour for the Goliath and David Growing gainfully Banking in Telangana Smart banking in smart cities Bank deposits account for 46.3 per cent of household savings Drop in SLR- sparing lendable resources How ‘secure’ are the secured loans? Holy or unholy? The collaboration suite of cyber criminals A development bank for BRICS Perhaps small is more beautiful than big! Drastic decline in asset quality Managing NPAs... Needed a Banking Atlas Big bank merger, bigger expectations Good, bad and ugly Small finance banks offer high interest rates
 
Banking in Telangana
The ten districts in the new state would have 3858 branches of all commercial banks, including 16 branches of foreign banks.

The State Bank of India group, including the State Bank of Hyderabad, has 1119 branches. The old private sector banks have very little presence in many of the districts: 234 branches, whereas, the new generation banks have 378 branches, though bulk of them are concentrated in Hyderabad and Rangareddy districts. The five gramin banks operating in the new state are viable and are earning profits, without carrying the baggage of accumulated losses. Total resource base of the banking sector in the state would be of the order of Rs. 265,536 crore. The volume of advances would be Rs. 249,982 crore, based on the September 2013 data. Hyderabad would be the single banking centre from Telangana, finding a place among the Top 100 banking centres.

Bifurcating a Gramin Bank?

Andhra Pradesh has at present five gramin banks after the initiation of the process of mergers in 2006. There were 16 of them in 1987, before amalgamations. All the 23 districts in the state have the presence of gramin banks. Consequent to the bifurcation of the state, there could be the need for bifurcating one of the gramin banks in the state. Seemandhra having 14 districts would be left with three gramin banks.

Andhra Pradesh Grameena Vikas Bank is the biggest among all the five banks. It has 638 branches spread out in 9 districts in the undivided state.


One or two Gramin Banks?

The Government of India, the major shareholder of all gramin banks, has been propagating the idea of having only one or two gramin banks in each state with a view to enhancing their viability. This is reflected in the process of mergers initiated during the recent years. As a result, the number of gramin banks has come down from 196 to 57 as on date.  States like Kerala, Chhattisgarh, Haryana and Uttarakhand have single gramin banks. Among the smaller states in the north-east, six of them have one gramin bank each.

In view of this policy, if Seemandhra may have only two gramin banks.

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