1. Banks engage in traditional functions like accepting deposits, lending, and facilitating money transfers. They also offer secondary services like investment management, letter of credit issuance, and foreign exchange.
2. Banking in India consists of public sector banks, private sector banks, cooperative banks, and specialized development banks. The Reserve Bank of India acts as the central bank, regulating the financial system and managing monetary policy.
3. Banks engage in various types of relationships with customers, acting as creditors, trustees, agents, and providing services like deposits, loans, credit/debit cards, and merchant banking.
savings bank account services by karnataka bankAprameya joshi
the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
savings bank account services by karnataka bankAprameya joshi
the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
In this PowerPoint presentation information about KYC norms are explained briefly which are related to Banking & Insurance Sector.The Concept of Small Accounts is also explained through this Presentation.Those(Small Accounts) are the accounts which can be opened without complying the requirements of KYC.
Banking history types services Revolution by bhushankBhushan Kasture
All the slides are talking about the history, revolution of banking, types of banks and services provided by them with general knowledge about finance. "Share The Knowledge"
Banking and Financial Institutions (as per UGC NET syllabus)Abbas Vattoli
a power point presentation on banking and financial institutions convering origin and history of banking in india, commercial banking classification and functions, investment banking role and initiatives, NPA warning signals and mannagement of NPA, NABARD and its rural banking innovations.
In this PowerPoint presentation information about KYC norms are explained briefly which are related to Banking & Insurance Sector.The Concept of Small Accounts is also explained through this Presentation.Those(Small Accounts) are the accounts which can be opened without complying the requirements of KYC.
Banking history types services Revolution by bhushankBhushan Kasture
All the slides are talking about the history, revolution of banking, types of banks and services provided by them with general knowledge about finance. "Share The Knowledge"
“Banking” means the accepting for the purpose of lending or investment, of deposit of money from public, repayable on demand or otherwise, and withdrawable by cheque, draft, order or otherwise. Banking LawThe Reserve Bank of India as the Central Bank of the country plays different roles like the regulator, supervisor and facilitator of the Indian Banking System. If you are a law student these notes on banking law will help you with your LLB and LLM exams and also in your profession as an Advocate. If you wish to add more contents here simply register and write an article.
Banking Structure in India:
This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
BANKING - INTRODUCTION - ORIGIN AND DEVELOPMENT OF BANKS - Meaning of Bank - FEATURES OF BANKING - LICENSING OF BANKS - IMPORTANCE OF BANKING - FUNCTIONS OF BANKS - COMMERCIAL BANKS - TYPE OF BANKING ON THE BASIS OF THEIR FUNCTION - CLASSIFICATION OF BANKS OR BANKING SYSTEMS AND STRUCTURE - FUNCTIONS OF COMMERCIAL BANKS - CENTRAL BANKING - DIFFERENT BETWEEN CENTRAL BANKING AND COMMERCIAL BANKING - RESERVE BANK OF INDIA - ORIGIN - MONETARY POLICY -MEANING - ONLINE BANKING
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
1. Bank and Banking
Bank – Institution whose debts are widely accepted in
settlement of other people’s debt to each other
Banking – Accepting for the purpose of lending or investment
of deposits of money from the public repayable on demand or
otherwise and withdraw able by cheque,draft,order or
otherwise
2. Functions of Banks -
Primary or Traditional functions –
1 Acceptance of deposits
2 Creation of credit
3 Lending
4 Transfer of money and other related activities.
3. Secondary or Incidental Functions
Transfer of funds and remittance facilities
Cheque clearance and collection of money .
Agency and trustee business for customers.
Safe custody of valuables
Merchant Banking and Underwriting business w.r.t new issues of companies.
Portfolio management for customers and arranging the investment of funds
for corporate and non corporate clients
Financing of import- export business
Issue of letter of credits
Foreign exchange business
4. Types of Banks in India
Public sector Banks
State Bank of India and its group
20 – 23 Nationalized banks
Regional Rural Banks sponsored by private sector
Private Sector Banks
Old generation private banks
New generation private banks
Foreign Banks in India
Scheduled Co – operative Banks
Non Scheduled Banks
5. Continued….
Co – operative Sector
State co–operative banks
Central co–operative Banks
Primary Agriculture Credit Societies
Land development banks
Urban co-operative banks
Primary agricultural development banks
Primary land development banks
State land development Banks
6. Continued…
Development Banks
IFCI
IDBI
ICICI
IIBI
SIDBI
NABARD
EXIM
National Housing Bank
7. Central Bank
An apex institution in the banking and financial system of the
country, responsible partially for the management of the
economy, also called as Bankers bank
Objectives of Central Bank –
3. To maintain the internal value of the nation’s currency
4. To preserve the external value of the currency
5. To secure reasonable price stability
6. To promote economic growth and rising levels of
employment, output and real income.
8. Reserve Bank of India
RBI was set up in 1935 as a Private Share holders’ bank.
Nationalized in January 1949 by passage of the Reserve Bank
Act of 1948.
Initial Paid-up capital of Rs 5 crore
Head office at Mumbai
4 Regional offices situated in Mumbai, Kolkata, Chennai and
New Delhi.
Branches – 13 centres
Sub offices - 6
9. Role of RBI as a Regulator -
RBI empowers to be the sole note issue authority of India (u/sec 22 of RBI
Act 1934).
Acts as a Banker to the Government – RBI underwrites Governments
borrowing programme, provides loans and advances, creates currency to
meet the deficit of the Central Govt in their Budgets.
Keeps the custody of cash reserves of commercial banks.
Acts as a Lender of last resorts to Banks and financial institutions during
financial emergencies
Acts as a clearing Bank (cheques drawn on different banks are exchanged )
Acts as a Custodian of Foreign exchange reserves by keeping custody of
gold and foreign exchange reserves.
Acts as a controller of credit to maintain price stability
10. Continued….
Promotes savings through proper interest rate policy and wide spectrum of
savings instruments.
Ensures the flow of adequate credit to the neglected sectors of the economy
such as Agriculture , SSI’s, SC and ST tribes etc..
Arranges credits from IMF and IBRD (World Bank) for the countries
development programmes.
Provision of finance and refinance to the commercial and co-operative
banks, Govt and financial institutions.
Provision of currency and coins adequate for the economy.
Regulation and control of banks, NBFC’s,
Development of financial system and promotion of growth process in the
economy.
11. Reserve requirements
Cash reserve ratio – Minimum amount kept by banks with the RBI as
reserves
Statutory liquidity ratio – banks have to compulsorily maintain liquid assets
in the form of cash,gold, treasury bills, Govt securities etc..
Bank rate – standard rate of discount charged by the central bank of the
country to eligible parties, it is the minimum official rate at which the central
bank rediscounts first class bills of exchange from the discount houses and
commercial banks.
12. Banker and customer relationships
Bank as a Debtor and Customer as a Creditor (Debtor – Creditor)
Bank as a Creditor and Customer as a Debtor (Creditor – Debtor)
Bank as a Trustee – bank acts as a trustee when it safe guards certain
valuables or securities with the bank
Bank as a bailee and customer as a bailor – When a customer deposits
certain valuables , bonds , securities , or other documents for their safe
custody , the bank , besides becoming a trustee also becomes a bailor.
Bank as an agent and customer as a principal – bank acts as an agent in
services like remittance , collection of cheques , bills , payment of electricity
bills , telephone bills , insurance premium, etc..
Lessor and Lessee – banks provide safe custody lockers to the customers
who hire them on lease basis
Indemnifier and indemnified (Bank as indemnified and customer as
indemnifier) -
13. Services to customers and investors -
Merchant banking – merchant banking is a service provided by the banks
who acts as a financial intermediary of transfer of capital from those who
own it to those who use it.
Lease financing – leasing out the capital purchase of assets to another
company against monthly rent for asset’s use
Charge card – plastic cash facility provided by banks were in amount
becomes payable immediately on the debit of the a/c.
Credit card – card holder is sent a bill indicating the dues and has the
option to pay entire or part amount
Debit card – card for withdrawing his savings a/c balances from ATM
services or payments from purchases while shopping
14. Types of deposits
Current a/c – withdrawn any time , and in any amount , do not bear interest
income to the a/c holder are meant for business transactions
Savings a/c – mobilization of savings of public , some restrictions on their
operations like keeping minimum balances and limits on withdrawals etc..
Fixed deposits – also called as term , recurring , notices cannot be
withdrawn till maturity , carry high interest income to depositors
15. Types of lending
Overdraft facility
Cash credit facility
Direct loans or advances
Bills discounting or purchases
Term loans
16. Charging of security
Charging of security is done by banks to safe guard their advances by
taking different kinds of securities reason being to fall back on it in case
of loan is defaulted.
Type of Charges –
3. Assignment – it is a mode of providing security to a banker for an
advance includes transfer of a right , property or debt.
4. Lien – right of the banker to retain possessions of the goods and
securities owned by the debtor until debt due is paid
5. Set-off – Total or partial merging of a claim of one person against
another in a counterclaim by the latter against the former.
6. Mortgage – Transfer of interest in immovable property to secure an
advanced loan or an existing debt or performance of an obligation.
17. Continued…
1. Pledge – Bailment of goods for providing security for payment of debt
or performance of promise.
6. Hypothecation – Charge upon any movable property created by a
borrower in favor of a secured creditor without delivery of possession of
the movable property, also called as a mortgage of a movable
property.
18. Banks and technology -
Bank computerization –
To provide customer service
productivity and profitability
Customer service
Generation of data for better management.
Core banking – Centralized branch computerization model where the
branches are connected to a centralized host, which incorporates branch
automation modules and online multiple delivery channels like ATM , Tele-
banking , mobile-banking , internet banking etc..
Disaster recovery sites (DRS) – used to avoid disruption in the banking
activity , acts as a backup for providing continuous processing environment.
Business Process Re-engineering (BPR) – Used to realign the existing business
processes to get benefits of new technology,
Use of note counting devices , Electronic fund transfer systems