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Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
Banking commerce
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Banking commerce

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  • 1. AIDS TO TRADE (BANKS)AIDS TO TRADE (BANKS) NAME: SURJIT KAUR NOORINAME: SURJIT KAUR NOORI ROLL NO. 43ROLL NO. 43 SUBJECT : ORGANISATION OF COMMERCESUBJECT : ORGANISATION OF COMMERCE STD : XISTD : XI B.Ed 2010-2011B.Ed 2010-2011 K.J SOMAIYA COMPREHENSIVE COLLEGE OF EDUCATION, TRAINGING & RESEARCH
  • 2. CONTENTCONTENT  CONCEPT OF BANKCONCEPT OF BANK  DIFFERENT TYPES OF BANKSDIFFERENT TYPES OF BANKS  CENTRAL BANK AND ITS FUNCTIONSCENTRAL BANK AND ITS FUNCTIONS  COMMERCIAL BANK AND ITSCOMMERCIAL BANK AND ITS FUNCTIONSFUNCTIONS
  • 3. CONCEPT OF BANKCONCEPT OF BANK  Derived from the ItalianDerived from the Italian word “word “BancoBanco”, which”, which means bench.means bench.  Used to be called asUsed to be called as Banco Personal or BancoBanco Personal or Banco AreasAreas  Later on, when theLater on, when the Financial OrganisationFinancial Organisation started to function thenstarted to function then the name changed tothe name changed to BankBank
  • 4. DEFINITION OF BANKDEFINITION OF BANK  Section 5(C)Section 5(C) definesdefines ““BankingBanking Company as anyCompany as any company whichcompany which transacts thetransacts the business ofbusiness of Banking in India.“Banking in India.“
  • 5. TYPES OF BANKS INTYPES OF BANKS IN INDIAINDIA 1.1. CENTRAL BANKCENTRAL BANK 2.2. COMMERCIAL BANKSCOMMERCIAL BANKS 3.3. INDUSTRIAL BANKSINDUSTRIAL BANKS 4.4. LAND MORTGAGE ORLAND MORTGAGE OR AGRICULTURE BANKSAGRICULTURE BANKS 5.5. RURAL BANKSRURAL BANKS 6.6. CO-OPERATIVE BANKSCO-OPERATIVE BANKS 7.7. INTERNATIONAL BANKSINTERNATIONAL BANKS
  • 6. CENTRAL BANK OF INDIACENTRAL BANK OF INDIA
  • 7. COMMERCIAL BANKS INCOMMERCIAL BANKS IN INDIAINDIA
  • 8. INDUSTRIAL BANKS OFINDUSTRIAL BANKS OF INDIAINDIA
  • 9. LAND MORTGAGE ORLAND MORTGAGE OR AGRICULTURAL BANK IN INDIAAGRICULTURAL BANK IN INDIA
  • 10. RURAL BANKS IN INDIARURAL BANKS IN INDIA
  • 11. CO-OPERATIVE BANKS INCO-OPERATIVE BANKS IN INDIAINDIA
  • 12. INTERNATIONAL BANKS ININTERNATIONAL BANKS IN INDIAINDIA
  • 13. CENTRAL BANKCENTRAL BANK  Reserve Bank of India (RBI) is the CentralReserve Bank of India (RBI) is the Central Bank of India.Bank of India.  Previously name as Imperial Bank of India.Previously name as Imperial Bank of India.  It was established on 1It was established on 1stst April 1935.April 1935.  Till now Central Bank had 22 Governors sinceTill now Central Bank had 22 Governors since it establishment.it establishment.  Mr. Duvvuri Subbarao is the Current GovernorMr. Duvvuri Subbarao is the Current Governor of RBI.of RBI.
  • 14. FUNCTIONS OF CENTRALFUNCTIONS OF CENTRAL BANK IN INDIABANK IN INDIA  Controls the monetary policy of Rupee and US$ ofControls the monetary policy of Rupee and US$ of Currency Reserve.Currency Reserve.  Prescribes the Board Parameters of BankingPrescribes the Board Parameters of Banking Operation for the Banks and the Financial InstitutionOperation for the Banks and the Financial Institution in India.in India.  Maintains Public Confidence in the System ProtectMaintains Public Confidence in the System Protect Depositors Interest.Depositors Interest.  Provides Cost Effective Banking Services to Public.Provides Cost Effective Banking Services to Public.
  • 15. FUNCTIONS OF CENTRALFUNCTIONS OF CENTRAL BANK IN INDIABANK IN INDIA  Issues and Exchanges or Destroys theIssues and Exchanges or Destroys the Currency and Coins not fit for Circulation.Currency and Coins not fit for Circulation.  Gives the Public adequate quantity of suppliesGives the Public adequate quantity of supplies of Currency Notes and Coins in good quality.of Currency Notes and Coins in good quality.  Maintains Banking A/C’s of all ScheduleMaintains Banking A/C’s of all Schedule BanksBanks
  • 16. CENTRAL BANKS OFCENTRAL BANKS OF DIFFERENT COUNTRIESDIFFERENT COUNTRIES Pakistan China Unites States of America
  • 17. COMMERCIAL BANKCOMMERCIAL BANK  It offers services to individuals.It offers services to individuals.  Primarily concerned with receiving Deposits andPrimarily concerned with receiving Deposits and lending money to business.lending money to business.  Commercial Banks are divided into 2Commercial Banks are divided into 2 CategoriesCategories 1.1. State Bank of India and AssociatesState Bank of India and Associates - State Bank of IndiaState Bank of India - State Bank of Bikaner and JaipurState Bank of Bikaner and Jaipur - State Bank of HyderabadState Bank of Hyderabad - State Bank of IndoreState Bank of Indore
  • 18. COMMERCIAL BANKCOMMERCIAL BANK  Nationalised BanksNationalised Banks - IDBI BankIDBI Bank - Canara BankCanara Bank - Dena BankDena Bank - Indian BankIndian Bank
  • 19. PRIMARY FUNCTIONS OFPRIMARY FUNCTIONS OF COMMERCIAL BANKSCOMMERCIAL BANKS  Accepting DepositAccepting Deposit - Current Deposit, Saving Deposit and Fixed DepositCurrent Deposit, Saving Deposit and Fixed Deposit  Granting Loans and AdvancesGranting Loans and Advances - Business LoansBusiness Loans - Car LoanCar Loan - Home LoanHome Loan - Personal Loan, Etc.Personal Loan, Etc. - Cash CreditCash Credit - Overdraft FacilityOverdraft Facility - Discounting of BillsDiscounting of Bills
  • 20. SECONDARY FUNCTIONS OFSECONDARY FUNCTIONS OF COMMERCIAL BANKSCOMMERCIAL BANKS  Transferring Money from 1 place to another andTransferring Money from 1 place to another and from 1 branch to another branch of the bank.from 1 branch to another branch of the bank.  Foreign Exchange Facilities.Foreign Exchange Facilities.  Undertaking safe custody of valuable important andUndertaking safe custody of valuable important and security by providing Safe Deposits lockers.security by providing Safe Deposits lockers.  Issuing Demand Draft (DD) and Pay Orders.Issuing Demand Draft (DD) and Pay Orders.  Issuing Letters of CreditIssuing Letters of Credit
  • 21.  The term “Bank” has been derived from whichThe term “Bank” has been derived from which word?word? Ans :Ans : - Bank is derived from an Italian word “Banco”.- Bank is derived from an Italian word “Banco”. QUESTIONSQUESTIONS
  • 22. QUESTIONSQUESTIONS  Name any 3 types of Banks in India?Name any 3 types of Banks in India? Ans :Ans : - Central Bank- Central Bank - Commercial Bank- Commercial Bank - Industrial Bank- Industrial Bank - Land Mortgage or Agriculture Banks- Land Mortgage or Agriculture Banks - Rural Banks, etc.- Rural Banks, etc.
  • 23. QUESTIONSQUESTIONS  Who is the current Governor of RBI ?Who is the current Governor of RBI ? Ans:Ans: - Mr. Duvvuri SubbaraoMr. Duvvuri Subbarao  State any one of the Secondary Functions of theState any one of the Secondary Functions of the Commercial Banks ?Commercial Banks ? Ans:Ans: - Issuing Demand Draft (DD) and Pay Orders.Issuing Demand Draft (DD) and Pay Orders. - Issuing Letters of CreditIssuing Letters of Credit - Foreign Exchange FacilitiesForeign Exchange Facilities

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