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Commercial banks in india

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Commercial banks in india

  1. 1. A REPORT ON COMMERCIAL BANKS <ul><li>PROF. HASTIMAL SAGARA </li></ul>
  2. 2. CONTENT <ul><li>MEANING </li></ul><ul><li>TYPES </li></ul><ul><li>FACILITIES </li></ul><ul><li>FUNCTIONS </li></ul><ul><li>SOURCES OF FUNDS </li></ul><ul><li>TECHNOLOGICAL REFORMS </li></ul><ul><li>COMMERCIAL BANKS V/S CO.OP.BANKS </li></ul><ul><li>CONTROL OF R.B.I. OVER COMMERCIAL BANKS </li></ul><ul><li>WEAKNESSES </li></ul><ul><li>FUTURE PLANS </li></ul>
  3. 3. MEANING <ul><li>A COMMERCIAL BANK IS A TYPE OF FINANCIAL INTERMEDIARY & A TYPE OF BANK . IT RAISES FUNDS BY COLLECTING DEPOSITS FROM BUSINESSES & CONSUMERS VIA CHECKABLE DEPOSITS, SAVINGS, DEPOSITS & TIME DEPOSITS . IT MAKES LOANS TO BUSINESSES & CONSUMERS. IT ALSO BUYS CORPORATE BONDS & GOVT. BONDS . ITS PRIMARY LIABILITIES ARE DEPOSITS & PRIMARY ASSETS ARE LOANS & BONDS. </li></ul>
  4. 4. TYPES <ul><li>PUBLIC SECTOR BANKS : </li></ul><ul><li>S.B.I. & ITS ASSOCIATES </li></ul><ul><li>NATIONALISED BANKS </li></ul><ul><li>FOREIGN BANKS </li></ul><ul><li>PRIVATE SECTOR BANKS: </li></ul><ul><li>OLD PRIVATE BANKS </li></ul><ul><li>NEW PRIVATE BANKS </li></ul><ul><li>REGIONAL RURAL BANKS </li></ul>
  5. 5. FUNCTIONS <ul><li>ACCEPTING DEPOSITS FROM PUBLIC </li></ul><ul><li>LENDING MONEY TO PUBLIC </li></ul><ul><li>TRANSFERRING MONEY FROM ONE PLACE TO ANOTHER </li></ul><ul><li>ACTING AS AN INTERMEDIARY </li></ul><ul><li>ACTING AS A TRUSTEE </li></ul><ul><li>KEEPING VALUABLES IN SAFE CUSTODY </li></ul><ul><li>COLLECTION BUSINESS </li></ul>
  6. 6. SOURCES OF FUNDS <ul><li>COMMON PEOPLE </li></ul><ul><li>BIG INDUSTRIAL UNITS </li></ul><ul><li>FOREIGN INVESTMENT </li></ul><ul><li>MUTUAL FUND REVENUE </li></ul><ul><li>TRUSTS </li></ul><ul><li>RELIGIOUS INSTITUTIONS </li></ul><ul><li>GOVT. & NON- GOVT. ORGANIZATION </li></ul><ul><li>COMPANIES </li></ul>
  7. 7. TECHNOLOGICAL REFORMS <ul><li>CREDIT CARDS/ DEBIT CARDS </li></ul><ul><li>AUTOMATED TELLER MACHINE </li></ul><ul><li>E- CHEQUES </li></ul><ul><li>ELECTRONIC FUND TRANSFER [ EFT] </li></ul><ul><li>POINT OF SALE [ POS] </li></ul><ul><li>DEMAT ACOOUNT </li></ul><ul><li>ONLINE BANKING </li></ul><ul><li>TELEBANKING </li></ul>
  8. 8. COMMERCIAL BANK V/S CO. OP. BANKS <ul><li>FROM THE BEGINNING COMMERCIAL BANKS ARE KNOWN AS MORE TRUSTFUL BANKS AS THEY ARE REGULATED BY R.B.I. SO, CUSTOMERS HAVE MORE FAITH IN THE COMMERCIAL BANKS AS LESS RISK IS INVOVLED IN IT. </li></ul>
  9. 9. CONTROL OF R.B.I OVER COMMERCIAL BANKS <ul><li>TIME TO TIME , COMMERCIAL BANKS HAVE TO REPRESENT THEIR DETAILS REGARDING FINANCIAL CONDITIONS, LENDING SITUATIONS, AND DETAILS RELATED TO STAFF MEMBERS TO THE R.B.I & EVERY OTHER ASPECTS RELATED TO BANKS HAVE TO BE REPRESENT TO THE R.B.I. </li></ul>
  10. 10. WEAKNESSES <ul><li>NON PERFORMING ASSETS </li></ul><ul><li>PUZZLING FETURES </li></ul><ul><li>PUBLIC SECTOR WORKERS STRUGGLE </li></ul><ul><li>THE STRUGGLE AGAINST NEW ECONOMIC POLICY </li></ul><ul><li>OVERCOMING THE ORGANISATIONAL STRUCTURE </li></ul>
  11. 11. FUTURE PLANS <ul><li>TO PROVIDE BEST SERVICES TO THE CUSTOMERS </li></ul><ul><li>TO REACH TO THAT PERSON WHO YET NOT GET THE SERVICES OF BANKS </li></ul><ul><li>AFTER ALL, TO MAINTAIN & EXPAND THE BUSINESS OF THE BANK IN THIS COMPETATIVE CLIMATE </li></ul>

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