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