Chapter commercial banks b.v.raghunandan 2
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Chapter commercial banks b.v.raghunandan 2

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Chapter commercial banks b.v.raghunandan 2 Chapter commercial banks b.v.raghunandan 2 Presentation Transcript

  • CHAPTER 2Commercial Banks
  • PrimaryFunction s Receiving Deposits Lending to Public Investment Creation of credit
  • Receiving Deposits Demand Deposits:  Time Deposits:-Current Account -Fixed Deposit-Savings Bank -Cash Certificate Account -Recurring deposit
  • Lending to Public  Cash Credit Overdraft  Discounting Bills of Loans Exchange
  • Investment Treasury Bills Government Bonds Bonds of Public Sector Units Money Market Instruments Corporate Securities Equity of RRBs and Co- operatives
  • Creation of Credit Process of crediting the account of the customer for the loan sanctioned Act of drawing cheques on the accounts Recipient or payee depositing the cheque into his account
  • Secondary Functions-Agency Services Collection of  Depository Income & Participation Instruments  Safe-Custody Payments Facilities Purchase & Sale of  Tax Compliance Securities  Merchant Banking Investment  Factoring Services Counselling Remittance of Funds
  • General Utility Services Trustee, Attorney &  Underwriting Administrator  Lease financing Safe Deposit  Publication Lockers  Performance Travellers’ Cheques Guarantee Acting As Referees  Dealing in Foreign Letters of Credit Exchange
  • Changing Role of CommercialBanks Housing Finance  Electronic Transfer Sale of Mutual of Funds: National Fund Units level numbering of Bancassurance accounts, MICR cheques,At Par Issue of Credit Cheques, mobile Cards/Smart Cards banking & Internet Issue of ATM/Debit Banking Cards
  • Electronic Banking ATMs  RTGS Tele-banking  Online Payment Any-time Banking  Mobile Banking Any-where banking  Internet Banking Shared Payment Network System
  • THANK YOU