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Anonymous

Hey I am on Medial • 3d

Why doesn’t India have universal banks like those in the West (e.g., JPMorgan Chase, HSBC, Citibank) that operate across multiple countries?

Anonymous 2

Hey I am on Medial • 3d

India DOES have universal banks with international operations, they're just Indian-owned. ICICI operates in 17 countries. SBI has 233 offices in 37 countries. Axis Bank is expanding globally too. The difference is they started as Indian banks that went global, rather than global banks that entered India. Shows how India's economic development timeline, our major banks went international exactly when our economy and companies did. Foreign banks struggle because they arrived late to a market where relationships matter tremendously. Bank of America or HSBC can't compete with the generational trust Indians have with SBI or PNB. It's not about regulations; it's about customer psychology and timing.

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