The document discusses various topics related to banking. It defines banks and their role in facilitating financial transactions. It describes the basic business model of banks, which involves taking deposits and providing loans. It also outlines the key functions of banks such as payment processing, offering different account types, generating revenue, managing risks, and more. The document also discusses computerized banking systems and how they can improve efficiency.

1. Presented by:-
Arshman Saleem

2.  Today’s commercial world is built around money.
 Bank facilitate financial transactions & hence are an
integral part of commercial world.
 Banking is essentially a business model.
 The bulk transactions of a Banking business model are
the daily combination of savings and recurring account
transactions.

3.  A network of commercial, savings and specialized
branches that provide financial services, including
deposits and providing loans and investment facilities.
 Banks are a fundamental component of the financial
system, and are also active players in financial markets.
 The essential role of a bank is to connect those who
have capital, with those who seek capital .

4.  Commercial bank
 Community banks
 Community development banks
 Postal savings banks
 Private banks
 Savings bank

5.  Banks act as payment agents by conducting checking
or current accounts for customers, paying cheques
drawn by customers on the bank, and collecting
cheques deposited to customers' current accounts.

6.  Banks offer many different channels to access their
banking and other services:
 ATM
 Mail
 Mobile banking
 Online banking
 Video banking
 Telephone banking

7.  issue of banknotes
 processing of payments by way of telegraphic transfer,
EFTPOS, internet banking or other means
 issuing bank drafts and bank cheques
 accepting money on term deposit
 safekeeping of documents and other items in safe
deposit boxes
 currency exchange
 acting as a 'financial supermarket' for the sale

8.  A bank can generate revenue in a variety of different
ways including interest, transaction fees and financial
advice.
 The bank profits from the differential between the
level of interest it pays for deposits and other sources
of funds, and the level of interest it charges in its
lending activities.
 Fees and financial advice constitute a more stable
revenue stream and banks have therefore placed more
emphasis on these revenue lines to smooth their
financial performance.

9.  Some of the main risks faced by banks include:
 Credit risk
 Liquidity risk
 Market risk
 Operational risk
 The capital requirement is a bank regulation, which
sets a framework on how banks and depository
institutions must handle their capital.

10.  The economic functions of banks include:
 Issue of money
 Netting and settlement of payments
 Credit intermediation
 Credit quality improvement
 Maturity transformation

11.  The requirements for the issue of a bank license vary
between jurisdictions but typically include:
 Minimum capital
 Minimum capital ratio
 'Fit and Proper' requirements for the bank's
controllers, owners, directors, or senior officers
 Approval of the bank's business plan as being
sufficiently prudent and plausible.

12.  Bank statements are accounting records produced by
banks under the various accounting standards of the
world.
 there are two kinds of accounts: debit and credit.
 Credit accounts are Revenue, Equity and Liabilities.
 Debit Accounts are Assets and Expenses.

13.  The advantages are as follows:
 More Locations.
 Discounts.
 Personal Service Sacrificed.
 More Product Offerings.
 Credit Tough to Find.

14.  The disadvantages are as follows:
 Loan Approvals
 Rigid Standards
 Security

16.  This project deals with the computerized processing of
Banking System.
 The front end tool used in the development of the project
is Visual Basics 6.0.
 The back end tool is the more efficient MS SQL.
 The project exhibits the relational database concepts
connecting various relations in an intricate fashion.
 The backend maintains records of the Accounts Details.
 The system has been developed in such a way that it allows
for further enhancements at any time in the future.

17.  The main objectives of this project are:
 Opening and Closing Accounts.
 Processing Transactions.
 Generating an Updated Report.

18.  The objective & goals of the proposed system are:-
 To allow only authorized user to access various
functions and processed available in the system.
 Locate any A/C wanted by the user.
 Reduced clerical work as most of the work done by
computer.
 Provide greater speed & reduced time consumption.
 To increase the number of A/C and customer.
 The software will be user friendly so that even a
beginner can operate the package and thus maintain
the status of A/C and balance status easily.

19.  The first software project management activity is the
determination of software scope.
 Scope is defined by answering the following question.
 INFORMATION OBJECTIVES
 FUNCTION AND PERFORMANCE

20.  Any information can be easily searched.
 All records of A/c`s and customer are stored in
separate file
 Particular A/c information can be modified
 A particular customer record can be modified for one
or more fields like customer name, address by
providing A/c number.
 The proposed system is more efficient, fast, reliable,
user friendly.
 Over and above the proposed system does not have any
possibility of data loss during processing.

38.  Increased operational efficiency, profitability &
productivity.
 Superior customer service.
 Multi-channel, real-time transaction processing.
 Better cross-selling ability.
 Improved management and accountability.
 Minimal transaction costs.
 Improved financial analyses capabilities.

39.  This package provides an easy and efficient method to
interact with the users.
 The package has all the features specified in the
original problem definition.
 Special attention has been provided to the interface,
dialogue boxes outcall these make it comfortable to
use.
 The package is designed so as to be flexible and easily
modifiable or extendable.

40. The future will be not be more of
the same…
… we need to be ready..