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Schedule commercial bank ppt Presentation Transcript

  • 1. •Schedule commercial bank Presented by , Shrikanth.T.Mulimani Jr.Msc agri in agmaco
  • 2. contents • • • • • Introduction Functions Agency functions General Utility Functions Difference between scheduled commercial bank and commercial bank • Reference
  • 3. INTRODUCTION Banks in India can be categorized into two parts: a) Scheduled Commercial banks and b) Unscheduled Commercial Banks. Those banks which fulfil the conditions laid down by the Second Schedule of Reserve Bank of India Act 1934, vide section 42 (6), are called Scheduled Commercial Banks and other banks are known as Unscheduled Commercial Banks. (a non scheduled bank is a bank which does not come under RBI act 1949 )
  • 4. • The banks included in this schedule list should fulfil two conditions. 1. The paid capital and collected funds of bank should not be less than Rs. 5 lack. 2.Any activity of the bank will not adversely affect the interests of depositors. Every Scheduled bank enjoys the following facilities. 1. Such bank becomes eligible for debts/loans on bank rate from the RBI 2. Such bank automatically acquire the membership of clearing house.
  • 5. Scheduled Banks of India can be further categorized into – Public Sector Banks – Private Sector Banks – Foreign Banks – Regional rural bank • Public Sector Banks are widely known as Nationalized banks of India.
  • 6. Public Sector Banks :- are those banks in which majority of stake is held by the government. Eg- • • • • • • • • • • • • • Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank (Industrial Development Bank of India) Indian Bank Indian Overseas Bank Oriental Bank of Commerce
  • 7. • • • • • • • • • • • • • • Punjab and Sindh Bank Punjab National Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank UCO Bank ( United Commercial Bank) Union Bank of India United Bank of India Vijaya Bank The Karad Urban Bank
  • 8. Private Sector Banks :- are those banks in which majority of stake is held by private Individuals. Eg • • • • • • • • • • • • Abhyudaya Bank Axis Bank Ltd Bank of Punjab Ltd Bank of Rajasthan Catholic Syrian Bank Centurion Bank Ltd City Union Bank Development Credit Bank Dhanlaxmi Bank Federal Bank Ltd HDFC Bank Ltd ICICI Banking Corporation Bank Ltd
  • 9. • • • • • • • • • • • • IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Nainital Bank Karur Vysya Bank Karnataka Bank Kotak Mahindra Bank Lakshmi Vilas Bank South Indian Bank Ltd Tamilnad Mercantile Bank Limited Yes Bank The Ratnakar Bank Ltd
  • 10. Foreign Banks :- are the banks with Head office outside the country in which they are located. Eg • • • • • • • • • • American Express Bank Ltd. ANZ Bank Bank of Tokyo Ltd. Banque Nationale de Paris Barclays Bank Plc Citibank Deutsche Bank AG Hongkong and Shanghai Banking Corporation The Royal Bank of Scotland Standard Chartered Bank
  • 11. Regional Rural Banks - are the banking organizations being operated in different states of India. They have been created to serve the rural areas with banking and financial services. Eg • • • • • • • • Karnataka Vikas Grameena Bank Narmada Malwa Grameena Bank Pragathi Grameena Bank Cauvery Kalpatharu Grameena Bank Saptagiri Grameena Bank Shri Venkateswara Grameena Bank Kisan Grameena Bank Chaitanya Grameena Bank ..etc
  • 12. Functions 1. Accepting Deposits : accepts various types of deposits from public especially from its clients. It includes saving account deposits, recurring account deposits, fixed deposits, etc. 2. Making Advances : The commercial banks provide loans and advances of various forms. It includes an over draft facility, cash credit, bill discounting, etc. They also give term loans to all types of clients against proper security.
  • 13. • 3.Credit creation : While sanctioning a loan to a customer, a bank does not provide cash to the borrower Instead it opens a deposit account from where the borrower can withdraw. In other words while sanctioning a loan a bank automatically creates deposits. This is known as a credit creation.
  • 14. Agency Functions : Various agency functions of Scheduled commercial banks are 1.To collect and clear cheque, dividends and interest warrant. 2. To make payment of rent, insurance premium, etc. 3 .To deal in foreign exchange transactions. 4 .To purchase and sell securities. 5.To accept tax proceeds and tax returns.
  • 15. General Utility Functions : The general utility functions of the scheduled commercial banks include 1. To provide safety locker facility to customers. 2. To provide money transfer facility. 3. To issue traveler's cheque. 4. To act as referees. 5. To accept various bills for payment e.g. phone bills, gas bills, water bills, etc. 6. To provide merchant banking facility. 7. To provide various cards such as credit cards, debit cards, Smart cards, etc.
  • 16. Difference between scheduled commercial bank and commercial bank • While commercial banks exist around the world, scheduled banks constitute a unique feature of the Indian banking system. • Within this banking structure, commercial banks take on a specific definition in relation to the other types of banks in the Indian system, which include schedule banks, non-scheduled banks and cooperative banks.
  • 17. DEPOSITS AND CREDIT OF SCHEDULED COMMERCIAL BANKS ACCORDING TO BANK GROUP MARCH 2012 Source www.rbi.org.in. BANK GROUP (Amount in ` Million) CREDIT No. of Accounts Amount No. of Accounts Amount Outstanding 1 STATE BANK OF INDIA AND ITS ASSOCIATES No. of Offices DEPOSITS 2 3 4 5 2279,46,429 13198690.5 251,19,174 10465884.4 (19.4) (25.2) (21.7) (19.2) (21.8) 50,454 4505,85,350 (49.9) 32081999.3 417,94,113 25151710.2 (52.8) (31.9) (52.4) 39,23,495 (0.4) 2707653.9 94,11,128 2385736.4 (4.5) (7.2) (5.0) 1815599.1 207,28,062 1163903.1 (3.0) (15.8) (2.4) 10978490.7 338,28,820 8865434.9 (13.7) NATIONALISED BANKS 19,573 1043,06,081 (11.5) (18.1) (25.8) (18.5) 1,00,805 9032,00,257 60782433.4 1308,81,297 48032669.1 (100.0) (100.0) (100.0) (100.0) (100.0) (50.1) FOREIGN BANKS 324 (0.3) 16,629 REGIONAL RURAL BANKS (16.5) 1164,38,902 (12.9) 13,825 PRIVATE SECTOR BANKS ALL SCHEDULED COMMERCIAL BANKS
  • 18. Reference • • • • • http://www.rbi.org.in. http://en.wikipedia.org http://wiki.answers.com http://www.ehow.com http://www.scribd.com/doc