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