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2. First We are going to see……..
What is banking….????

3. Introduction of a bank
Finance is the life blood of trade, commerce &
industry.
Now a days…… Banking sector acts as the backbone
of modern business. Development of any country
mainly depends on banking system.
The term bank is a either derived from old italian
word ‘banca’ or from a french word ‘banque’ both
mean a bench or money exchange table.

4. According to oxford dictionary,
“An establishment for
custody of money,
which it pays out on
customer’s order.”
DEFINITION OF A BANK

5. In general terms…..
A bank is financial institution which
deals with deposites & advances & other
related services.
It receives money from those who want
to save in the form of deposites and it
lends money to those who need it…..

6. Now we will looked to…
CHARACTERISTICS OF
A BANK….

7. CHARACTERISTICS OF A BANK
 Dealing in money
 Acceptance of deposits
 Payment and withdraws money
 Individual or companies
 Various branches

8. CHARACTERISTICS OF A BANK
 Function increasing rapidly
 Business in banking sector
 Identification
 Facilities of advance money

9. There are various functions of a
bank……
Two main
functions
Primary
functions
Secondary
functions

10. PRIMARY FUNCTIONS
Accepting
deposites
Granting
advances
Overdraft
Cash credit
Loans
Discounting of bills
Fixed deposites
Savings deposites
Current deposites
Recurring deposites

11. SECONDARY FUNCTIONS
Agency
functions
Utility
functions
•Drafts
•Lockers
•Underwriting
•Project reports
•Social welfare programmes
•Other utility functions
Transfer of funds
Periodic payments
Collection of cheque
Portfolio management
Periodic collections
Other agency functions

12. Let us one sight to..…….
HISTORY OF
A BANK

13. The concept of banking
was first introduced in
medieval florence in
1397.
Banking continued to
gain popularity
throughout Europe by
1700.
HISTORY Of A BANK

14. “A banking company which transacts
the business of banking in India.”
“Accepting, for thepurpose of lending
or investment, of deposits of money
from the public, repayable on demand
or otherwise, and withdrawable, by
cheque, draft, and order orotherwise.”
HISTORY OF A BANK
Section 5(b) of the BR Act defines banking as,
Banking Regulation Act, 1949, Section 5(c),

15. Establishment of Reserve Bank
of India (1935)
The Reserve Bank of India was established on
April 1, 1935 in accordance with the provisions
of the Reserve Bank of India Act, 1934.
The reserve bank of India is regulating and
controlling over all commercial banks of India so it
is also known as bank of banks……
The headquarter of RBI is in Mumbai…..

16. Formation of "The State Bank of India"
The State Bank of India was constituted on 1
July 1955 placed imperial bank of india……
SBI is the largest nationalised bank in india……

17. NATIONALISATION OF
COMMERCIAL BANKS……..

18. 14 Public sector banks were
nationalized in the year 1969….
When the prime minister
of india was….
Mrs. Indira gandhi…..
which are as under……

19. 1. Allahabad bank
2. Bank of baroda
3. Bank of india
4. Bank of maharashtra
5. Canara bank
6. Central bank of india
7. Syndicate bank
8. Uco bank
9. United bank of india
10. Union bank
11. Punjab national bank
12. Indian overseas bank
13. Indian bank
14. Dena bank

20. In 1980,
6 more banks were nationalised……
15. Andhra bank
16. Corporation bank
17. Punjab & sind bank
18. Vijaya bank
19. Oriental bank of commerce
20. UTI bank

21. There are Various types of banks…….

22. Types of banks
Savings banks
Commercial banks
Industrial development
banks
Land development banks
Indigenous banks (native
banks)
Mortgage banks
Spare banks
Faderal or national
banks
Exchange banks
Consumer banks

23. What are the different channels of
Banking you use in your daily life ?

24. Branch is a banking
centre or financial
centre is a retail
location, where a
bank or financial
institution offers a
wide array of face-to-
face service to its
customers.
BRANCH

25. ATM
ATM is a computerized
telecommunications
device that provides a
financial institution's for
customers. A method of
financial transactions in
a public space without
the need for a human
clerk or bank teller.

26. Mail is part of the postal system
where in written documents
typically enclosed in envelopes &
also small packages containing
other matter are delivered to
destinations around the world.
This can be used to deposit
cheques and to send orders to
the bank to pay money to third
parties. Banks also normally use
mail to deliver periodic account
statements to customers.
Mail

27. Telephone banking
Telephone banking is a
service provided by
a financial institution
which allows its
customers to perform
transactions over the
telephone. This
normallyincludes bill
payments for bills from
major billers
(e.g. for electricity).

28. Online banking is a
term used for
performing
transactions,
payments etc.
over the Internet
through a
bank, credit union or
building society's
secure website.
Online banking

29. Thus,
Banking is a
very useful
system in
today’s
business
world….