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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 Ce...
Lending to Public                        Cash Credit   Overdraft           Discounting Bills of   Loans               ...
Investment   Treasury Bills   Government Bonds   Bonds of Public Sector Units   Money Market Instruments   Corporate ...
Creation of Credit   Process of crediting the account of the    customer for the loan sanctioned   Act of drawing cheque...
Secondary Functions-Agency Services   Collection of           Depository    Income &                 Participation    In...
General Utility Services   Trustee, Attorney &      Underwriting    Administrator            Lease financing   Safe De...
Changing Role of CommercialBanks   Housing Finance         Electronic Transfer   Sale of Mutual           of Funds: Nat...
Electronic Banking   ATMs                   RTGS   Tele-banking           Online Payment   Any-time Banking       Mo...
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Chapter commercial banks b.v.raghunandan 2

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Transcript of "Chapter commercial banks b.v.raghunandan 2"

  1. 1. CHAPTER 2Commercial Banks
  2. 2. PrimaryFunction s Receiving Deposits Lending to Public Investment Creation of credit
  3. 3. Receiving Deposits Demand Deposits:  Time Deposits:-Current Account -Fixed Deposit-Savings Bank -Cash Certificate Account -Recurring deposit
  4. 4. Lending to Public  Cash Credit Overdraft  Discounting Bills of Loans Exchange
  5. 5. Investment Treasury Bills Government Bonds Bonds of Public Sector Units Money Market Instruments Corporate Securities Equity of RRBs and Co- operatives
  6. 6. 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
  7. 7. 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
  8. 8. 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
  9. 9. 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
  10. 10. Electronic Banking ATMs  RTGS Tele-banking  Online Payment Any-time Banking  Mobile Banking Any-where banking  Internet Banking Shared Payment Network System
  11. 11. THANK YOU
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