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  1. 3. <ul><li>Shakeel Ahmed SP11-BB-0042 </li></ul>
  2. 4. <ul><li>Corporation empowered to deal with cash, domestic & foreign and receive the deposit of money and to loan those monies to third parties. </li></ul><ul><li>A financial establishment that invests money deposited by customers. </li></ul>
  3. 5. <ul><li>Commercial Bank:- </li></ul><ul><ul><li>A financial institution that provides services such as a accepting deposits and giving business loans. </li></ul></ul><ul><li>Merchant Bank:- </li></ul><ul><ul><li>A merchant bank is a financial institution which provides capital to companies in the form of share ownership instead of loans. </li></ul></ul><ul><li>Private Bank:- </li></ul><ul><ul><li>Private banking is a term for banking, investment and other financial services provided by banks to private individuals investing sizable assets </li></ul></ul>
  4. 6. <ul><li>Commercial banks are in the business of providing banking services to individuals. </li></ul><ul><li>Small and medium-sized businesses use commercial banks primarily for business loans. </li></ul><ul><li>Commercial banks provide important services as financial intermediaries. </li></ul><ul><li>Commercial banks are responsible for adding customer deposits in a safe and liquid. </li></ul>
  5. 7. <ul><li>Current accounts </li></ul><ul><li>Deposit accounts </li></ul><ul><li>Credit and debit cards </li></ul><ul><li>Standing orders and direct debits </li></ul><ul><li>Loans and overdrafts </li></ul><ul><li>Administrative correspondence </li></ul><ul><li>Safety Deposit Boxes </li></ul>
  6. 8. <ul><li>Issues of Bank notes. </li></ul><ul><li>Processing of payments. </li></ul><ul><li>Accepting money. </li></ul><ul><li>Installment loan. </li></ul><ul><li>Providing documentary and stand by letters of credit. </li></ul><ul><li>Currency exchange. </li></ul>
  7. 9. <ul><li>Bank Failures </li></ul><ul><li>Secrets of Great PIN Numbers </li></ul><ul><li>ATM Security </li></ul><ul><li>Credit Card Fraud </li></ul>
  8. 10. <ul><li>Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society. </li></ul>
  9. 11. <ul><li>Download Banking Transactions </li></ul><ul><li>Download Credit Card Transactions. </li></ul><ul><li>Online Bill Payment. </li></ul><ul><li>Quickly Verify Bank Balances. </li></ul><ul><li>Transfer Money Open and Close accounts </li></ul>
  10. 13. <ul><li>Full spectrum of payment types and banking services to capture revenue in multiple countries and currencies. </li></ul><ul><li>Works with most commerce servers, CRM, ERP systems. Integrated reporting across payment types and geographies simplifies reconciliation. </li></ul>
  11. 14. <ul><li>Visa, MasterCard, JCB, Maestro </li></ul><ul><li>American Express, Diners Club </li></ul>
  12. 15. <ul><li>Similar to a wire transfer. Merchant confirms order and provides bank information and sales reference number. Consumer instructs their bank . </li></ul><ul><li>Western Europe </li></ul><ul><li>Canada </li></ul><ul><li>Asia {Australia, China, </li></ul><ul><li>Hong Kong, Japan, Singapore} </li></ul>
  13. 16. <ul><li>Similar to electronic check. Consumer provides bank account information at time of sale. Merchant requests consumer's bank to transfer funds into merchant account. </li></ul><ul><li>Western Europe . </li></ul>
  14. 17. <ul><li>No need to build local banking relationships or establish legal presence in order to transact payments. CyberSource provides banking and reporting services required . </li></ul><ul><li>Ready-to-use, global banking network (major banks and processors). </li></ul><ul><li>Single, global merchant account—no need for multiple local banking relationships. </li></ul><ul><li>Option to consolidate all payments processing (cards, direct debit, bank transfers) with single processor. </li></ul><ul><li>Integrated reporting across payment types, processors, geographies simplifies reconciliation. </li></ul>
  15. 19. <ul><li>we looked at various methods of payments used in trade outside the UK. We divide in two methods of payment </li></ul><ul><li>Bill Of Exchange </li></ul><ul><li>Documentary Credit </li></ul>
  16. 20. <ul><li>A bill of exchange is an instrument in writing containing an unconditional order signed by the maker directing a certain person to pay a certain sum of money only to or to the order of a certain person or to the bearer of the instruments. </li></ul>
  17. 21. <ul><li>Examples of bills of exchange </li></ul>
  18. 22. <ul><li>Letters of credit are often used in international transactions to ensure that payment will be received.  </li></ul>
  19. 24. International Banking Services <ul><li>International Banks do everything domestic banks do and: </li></ul><ul><ul><li>Arrange trade financing. </li></ul></ul><ul><ul><li>Arrange foreign exchange. </li></ul></ul><ul><ul><li>Offer hedging services for foreign currency receivables and payables through forward and option contracts. </li></ul></ul><ul><ul><li>Offer investment banking services (where allowed). </li></ul></ul>
  20. 25. The World’s 10 Largest Banks Citigroup U.S. Mizuho Bank/ Mizuho Corp Bank Japan HSBC Holdings U.K. Bank of America France JP Morgan Chase U.S. Deutsche Bank Germany Royal Bank of Scotland Group U.K. Sumitomo Mitsui Banking Group Japan HypoVereinsbank Germany UFJ Bank Ltd. Japan
  21. 26. <ul><li>Low Marginal Costs </li></ul><ul><li>Home Nation Information Services </li></ul><ul><li>Regulatory Advantage </li></ul><ul><li>Transactions Costs </li></ul><ul><li>Growth </li></ul>
  22. 27. <ul><li>An international banking facility is a separate set of accounts that are segregated on the parents books. </li></ul><ul><li>An international banking facility is not a unique physical or legal identity. </li></ul><ul><li>Any U.S. bank can have one. </li></ul><ul><li>International banking facilities have captured a lot of the Eurodollar business that was previously handled offshore. </li></ul>
  23. 28. <ul><li>Conclusion </li></ul>