This document describes various types of bank accounts including savings accounts, current accounts, fixed accounts, NRI accounts, joint accounts, minor accounts, partnership accounts, and company accounts. Savings accounts allow withdrawals with some restrictions and pay low interest. Current accounts allow unlimited withdrawals and pay no interest. Fixed accounts have deposits for a set time period, no withdrawals, and pay high interest. NRI accounts are for non-resident Indians and include NRE, NRO, and FCNR accounts.
This document discusses various types of bank deposits available in India. It describes demand deposits like current and savings accounts that are payable on demand. It also outlines time deposits like fixed deposits that have a fixed maturity period. Other deposit types discussed include recurring deposits for regular savings, and deposit schemes for non-resident Indians like NRO, NRE, and FCNR accounts. The document also provides an overview of deposit insurance in India through the DICGC.
This document discusses various types of bank accounts in India including demand deposits, time deposits, and other account types. It provides details on savings accounts, current accounts, fixed deposits, recurring deposits, demat accounts, NRE accounts, and NRO accounts. The document also discusses the procedures for opening a bank account and the precautions banks should take for different types of customer accounts such as minor accounts, joint accounts, HUF accounts, and partnership accounts.
A bank account is a financial account maintained by a bank for a customer. There are several types of bank accounts including current accounts, savings accounts, fixed deposits, recurring deposits, and no-frills accounts. Current accounts are for businesses and allow prompt transactions without interest. Savings accounts are for individual depositors and earn modest interest. Recurring deposits require regular fixed deposits over a period of time, while fixed deposits involve lump sums for a set time at higher interest rates than savings accounts. No-frills accounts provide basic banking facilities with zero or low fees.
Banking operations involve accounts and loans. There are several types of accounts including savings accounts, current accounts, and overdraft accounts. Savings accounts earn interest and are meant for promoting savings. Current accounts are used by businesses for regular transactions and withdrawals. Overdraft accounts allow borrowing even when the account has no funds. Loans provide borrowers principal from lenders to repay later with interest. Common types of loans are personal loans, home loans, mortgage loans, educational loans, and vehicle loans which finance purchases of cars.
The document discusses various short-term sources of finance for meeting working capital requirements for a period of up to one year. These include public deposits, bank credit, trade credit, discounting of bills of exchange, loans from directors, advances from customers, money lenders, and government assistance. It provides details on each of these sources such as what they are, how they work, their advantages and disadvantages.
Finance is the process of raising and managing funds for business expenditures. It includes activities like investing, borrowing, lending, and budgeting. Businesses need funds at various stages, as capital is essential for production and operations. Funds can come from internal sources like profits or external sources like loans. Common external sources include bank loans, venture capital, public stock offerings, crowdfunding, and angel investors. Different sources provide capital for short, medium, or long-term time periods.
This document discusses various options for working capital financing. It defines working capital as reflecting a company's liquidity and being used to meet day-to-day expenses. Common sources of working capital financing discussed are bank loans, trade receivables financing, non-bank financial institutions, informal lending, trade credit, commercial paper, and bank credit facilities. Each option is described in terms of eligibility, interest rates, documentation requirements, and other key factors.
This document describes various types of bank accounts including savings accounts, current accounts, fixed accounts, NRI accounts, joint accounts, minor accounts, partnership accounts, and company accounts. Savings accounts allow withdrawals with some restrictions and pay low interest. Current accounts allow unlimited withdrawals and pay no interest. Fixed accounts have deposits for a set time period, no withdrawals, and pay high interest. NRI accounts are for non-resident Indians and include NRE, NRO, and FCNR accounts.
This document discusses various types of bank deposits available in India. It describes demand deposits like current and savings accounts that are payable on demand. It also outlines time deposits like fixed deposits that have a fixed maturity period. Other deposit types discussed include recurring deposits for regular savings, and deposit schemes for non-resident Indians like NRO, NRE, and FCNR accounts. The document also provides an overview of deposit insurance in India through the DICGC.
This document discusses various types of bank accounts in India including demand deposits, time deposits, and other account types. It provides details on savings accounts, current accounts, fixed deposits, recurring deposits, demat accounts, NRE accounts, and NRO accounts. The document also discusses the procedures for opening a bank account and the precautions banks should take for different types of customer accounts such as minor accounts, joint accounts, HUF accounts, and partnership accounts.
A bank account is a financial account maintained by a bank for a customer. There are several types of bank accounts including current accounts, savings accounts, fixed deposits, recurring deposits, and no-frills accounts. Current accounts are for businesses and allow prompt transactions without interest. Savings accounts are for individual depositors and earn modest interest. Recurring deposits require regular fixed deposits over a period of time, while fixed deposits involve lump sums for a set time at higher interest rates than savings accounts. No-frills accounts provide basic banking facilities with zero or low fees.
Banking operations involve accounts and loans. There are several types of accounts including savings accounts, current accounts, and overdraft accounts. Savings accounts earn interest and are meant for promoting savings. Current accounts are used by businesses for regular transactions and withdrawals. Overdraft accounts allow borrowing even when the account has no funds. Loans provide borrowers principal from lenders to repay later with interest. Common types of loans are personal loans, home loans, mortgage loans, educational loans, and vehicle loans which finance purchases of cars.
The document discusses various short-term sources of finance for meeting working capital requirements for a period of up to one year. These include public deposits, bank credit, trade credit, discounting of bills of exchange, loans from directors, advances from customers, money lenders, and government assistance. It provides details on each of these sources such as what they are, how they work, their advantages and disadvantages.
Finance is the process of raising and managing funds for business expenditures. It includes activities like investing, borrowing, lending, and budgeting. Businesses need funds at various stages, as capital is essential for production and operations. Funds can come from internal sources like profits or external sources like loans. Common external sources include bank loans, venture capital, public stock offerings, crowdfunding, and angel investors. Different sources provide capital for short, medium, or long-term time periods.
This document discusses various options for working capital financing. It defines working capital as reflecting a company's liquidity and being used to meet day-to-day expenses. Common sources of working capital financing discussed are bank loans, trade receivables financing, non-bank financial institutions, informal lending, trade credit, commercial paper, and bank credit facilities. Each option is described in terms of eligibility, interest rates, documentation requirements, and other key factors.
Banking laws and practices have evolved over centuries. Banks play a crucial role in modern society by accepting deposits and providing loans [1]. They have specialized accounts for seniors, women, students and more [2]. Banks also have responsibilities toward customers like honoring checks properly, maintaining secrecy and records, and giving notice before closing accounts [3]. Overall, banks facilitate important financial transactions in people's lives and the economy.
WHAT IS A BANK, CLASSIFY AND DISCUSS BANKS.
Bank: a bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets.
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
This document is a report on the overall banking operations of Axis Bank Ltd submitted by Komal Maheshwari. It discusses the four main types of banking - central banking, retail banking, commercial banking, and investment banking. It then provides details about Axis Bank, including its revenue, branches, ATMs, and employees. The report describes the various products and services offered by Axis Bank like credit cards, accounts, corporate banking, insurance, and mortgage loans. It also explains the process of opening accounts, cash management procedures, and closing of accounts at Axis Bank.
This document discusses the importance of finance for startups and the various sources of finance available. It notes that while personal sources from the entrepreneur are very important initially, startups often struggle to raise funds until more established. The main sources of finance discussed are internal sources like founder capital, retained profits, and friends/family money as well as external sources such as bank loans, angel investors, venture capital, trade credit, and issuing shares or debentures. Specific personal sources explored include using cash/investments, re-mortgaging property, credit cards, and working for free initially. The document provides an overview of each type of funding source.
The summary provides an overview of the key aspects of the relationship between a banker and a customer according to the document:
1. The relationship can be general, where the banker is a debtor and the customer is a creditor, or it can be special, with the banker taking on additional roles as a trustee, bailee, lessor, agent, custodian, or guarantor.
2. Banks must follow know-your-customer guidelines and apply customer due diligence to comply with anti-money laundering regulations.
3. The main types of bank accounts are current accounts, savings accounts, fixed/term deposits, and recurring deposits, each with different eligibility and features.
This document defines and describes several common types of bank accounts and financial instruments. It explains that savings accounts allow customers to earn interest on set aside funds while providing liquidity for banks to issue loans. Checking accounts allow withdrawals and deposits to access very liquid funds via various payment methods. Mortgages are loans secured by real estate collateral that buyers use to finance large property purchases without paying the full amount upfront. Certificates of deposit are low-risk, interest-bearing investments that offer higher returns than comparable options in exchange for keeping funds in the account for a set maturity period.
Financial institutions include banks, credit unions, insurance companies, stockbrokers, and investment funds that provide financial services to businesses and consumers. They are broadly categorized as commercial banks and cooperative banks. Financial institutions encompass a broad range of operations within the financial services sector including collecting deposits, providing loans, facilitating investments, and conducting currency exchange. Development finance institutions specifically provide risk capital and financing for economic development projects that might not otherwise receive funding from commercial lenders, with the goal of promoting national economic development.
Deposit accounts allow customers to deposit and withdraw money from a bank. Money deposited earns interest and is recorded as a liability for the bank. There are several types of deposit accounts including savings accounts, current/checking accounts, recurring deposit accounts, and fixed/term deposit accounts. Savings accounts allow withdrawals and earn interest, while fixed deposits lock up funds for a set term in exchange for higher interest rates. The main objectives of deposit accounts are to safely grow savings over time through interest compounding.
Retained Earnings, Institutional Borrowing and Public DepositMegha Anilkumar
Retained earnings are a company's cumulative profits less dividends paid to shareholders over time. A large retained earnings balance implies financial health. Retained earnings are adjusted for any entries that impact revenue or expenses. Factors like a company's age, dividend policy, and profitability affect the size of its retained earnings.
Institutional borrowing includes term loans over 5 years from commercial banks, development banks like IDBI and ICICI, and investment institutions like LIC and mutual funds. These loans finance new projects, expansion, and modernization.
Public deposits are unsecured deposits from the public that companies invite through advertisements to finance working capital needs. Deposits can be for 6 months to 3 years, making
Commercial banks rely mainly on deposits to fund their operations. They accept various deposit types like current accounts, savings accounts, fixed deposits, and recurring deposits. Current accounts are meant for businesses and offer chequebook facilities and overdrafts but no interest. Savings accounts encourage personal savings and offer modest interest rates. Fixed deposits allow higher interest for locking away funds longer, while recurring deposits build savings with regular installments. Non-resident accounts serve Indian citizens living abroad.
The document provides an introduction to banking and defines what a bank is. It states that banks are essential institutions for any economy, providing various services in the globalized economy. It then defines a bank as a financial institution licensed to receive deposits and make loans. Banks may also provide financial services like wealth management and safe deposit boxes. There are two main types of banks: commercial/retail banks and investment banks. Banks are regulated by governments and central banks. The primary function of banks is to lend out deposited funds to earn interest.
Chapter_2_Overview of Commercial Banks_2022.pptxShetuBiswas3
This document provides an overview of commercial banks, including their definition, functions, and trends affecting them. It defines commercial banks as financial institutions that accept deposits and use those deposits to grant loans and offer other financial services. The key functions of commercial banks are described as primary functions like receiving deposits and advancing loans, agency functions like payment services, and general utility functions like letters of credit. The document also discusses credit creation by commercial banks and the credit multiplier effect. It concludes with a brief mention of trends affecting commercial banks.
This document provides an overview of bank investment and lending functions. It discusses how banks apply their funds through statutory liquidity ratio investments, non-SLR investments, and lending. Lending includes various types of loans like cash credit, overdrafts, and bill discounting. It also discusses non-fund based lending through bank guarantees and letters of credit. Asset-based lending is described as using collateral like projects, receivables, or securities to secure loans.
The document discusses various sources of business finance including internal sources like retained earnings and equity share capital, and external sources like debentures, term loans, public deposits, commercial banks, lease financing, and special financial institutions. It provides details on each source like their key features, terms, and advantages. Statistical data is also presented on the sources of finance most commonly used. The document aims to provide a comprehensive overview of the different avenues available for businesses to raise funds.
This document discusses the principles of Islamic finance. It states that Islamic finance is based on Shariah law, which governs religious and secular aspects of life. Some key principles discussed are the prohibition of riba (interest), gharar (uncertainty), investing in haram activities, and speculation. It also discusses common Islamic financial instruments like mudarabah (profit-sharing project financing), musharakah (profit-sharing partnership), murabaha (cost-plus sale), ijarah (leasing), and different types of accounts in Islamic banks.
This document defines and describes non-banking financial companies (NBFCs) in India. It states that NBFCs are companies registered under the Companies Act of 2013 that are engaged in financial activities like lending, leasing, investments, but do not carry out regular banking activities. NBFCs must be registered with the Reserve Bank of India and comply with regulations around minimum capital, liquid assets, public deposits, interest rates, and credit ratings. The document also outlines different types of NBFCs including mutual benefit companies, investment companies, equipment leasing companies, hire purchase companies, and loan companies.
Goodwill arises when a company acquires another company at a price higher than the fair market value of its tangible and identifiable intangible assets. It represents the future economic benefits from assets that are not individually identified and separately recognized. Goodwill is an intangible asset that is reported on the acquiring company's balance sheet.
The document discusses various types of commercial financing facilities including:
1. Temporary bridge financing which provides short-term funds until a subsequent longer-term loan.
2. Running finance/overdraft facilities which allow customers to temporarily overdraw their account up to an approved limit.
3. Demand/line of credit loans which are payable on demand or within 90 days and are used to finance inventory and receivables.
4. Term loans which are used for specific purposes like acquiring machinery and have maturities of 5+ years.
5. Discounting of bills of exchange which allows banks to earn interest by advancing funds to customers against bills that are then paid back on the maturity date.
Banking laws and practices have evolved over centuries. Banks play a crucial role in modern society by accepting deposits and providing loans [1]. They have specialized accounts for seniors, women, students and more [2]. Banks also have responsibilities toward customers like honoring checks properly, maintaining secrecy and records, and giving notice before closing accounts [3]. Overall, banks facilitate important financial transactions in people's lives and the economy.
WHAT IS A BANK, CLASSIFY AND DISCUSS BANKS.
Bank: a bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets.
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
This document is a report on the overall banking operations of Axis Bank Ltd submitted by Komal Maheshwari. It discusses the four main types of banking - central banking, retail banking, commercial banking, and investment banking. It then provides details about Axis Bank, including its revenue, branches, ATMs, and employees. The report describes the various products and services offered by Axis Bank like credit cards, accounts, corporate banking, insurance, and mortgage loans. It also explains the process of opening accounts, cash management procedures, and closing of accounts at Axis Bank.
This document discusses the importance of finance for startups and the various sources of finance available. It notes that while personal sources from the entrepreneur are very important initially, startups often struggle to raise funds until more established. The main sources of finance discussed are internal sources like founder capital, retained profits, and friends/family money as well as external sources such as bank loans, angel investors, venture capital, trade credit, and issuing shares or debentures. Specific personal sources explored include using cash/investments, re-mortgaging property, credit cards, and working for free initially. The document provides an overview of each type of funding source.
The summary provides an overview of the key aspects of the relationship between a banker and a customer according to the document:
1. The relationship can be general, where the banker is a debtor and the customer is a creditor, or it can be special, with the banker taking on additional roles as a trustee, bailee, lessor, agent, custodian, or guarantor.
2. Banks must follow know-your-customer guidelines and apply customer due diligence to comply with anti-money laundering regulations.
3. The main types of bank accounts are current accounts, savings accounts, fixed/term deposits, and recurring deposits, each with different eligibility and features.
This document defines and describes several common types of bank accounts and financial instruments. It explains that savings accounts allow customers to earn interest on set aside funds while providing liquidity for banks to issue loans. Checking accounts allow withdrawals and deposits to access very liquid funds via various payment methods. Mortgages are loans secured by real estate collateral that buyers use to finance large property purchases without paying the full amount upfront. Certificates of deposit are low-risk, interest-bearing investments that offer higher returns than comparable options in exchange for keeping funds in the account for a set maturity period.
Financial institutions include banks, credit unions, insurance companies, stockbrokers, and investment funds that provide financial services to businesses and consumers. They are broadly categorized as commercial banks and cooperative banks. Financial institutions encompass a broad range of operations within the financial services sector including collecting deposits, providing loans, facilitating investments, and conducting currency exchange. Development finance institutions specifically provide risk capital and financing for economic development projects that might not otherwise receive funding from commercial lenders, with the goal of promoting national economic development.
Deposit accounts allow customers to deposit and withdraw money from a bank. Money deposited earns interest and is recorded as a liability for the bank. There are several types of deposit accounts including savings accounts, current/checking accounts, recurring deposit accounts, and fixed/term deposit accounts. Savings accounts allow withdrawals and earn interest, while fixed deposits lock up funds for a set term in exchange for higher interest rates. The main objectives of deposit accounts are to safely grow savings over time through interest compounding.
Retained Earnings, Institutional Borrowing and Public DepositMegha Anilkumar
Retained earnings are a company's cumulative profits less dividends paid to shareholders over time. A large retained earnings balance implies financial health. Retained earnings are adjusted for any entries that impact revenue or expenses. Factors like a company's age, dividend policy, and profitability affect the size of its retained earnings.
Institutional borrowing includes term loans over 5 years from commercial banks, development banks like IDBI and ICICI, and investment institutions like LIC and mutual funds. These loans finance new projects, expansion, and modernization.
Public deposits are unsecured deposits from the public that companies invite through advertisements to finance working capital needs. Deposits can be for 6 months to 3 years, making
Commercial banks rely mainly on deposits to fund their operations. They accept various deposit types like current accounts, savings accounts, fixed deposits, and recurring deposits. Current accounts are meant for businesses and offer chequebook facilities and overdrafts but no interest. Savings accounts encourage personal savings and offer modest interest rates. Fixed deposits allow higher interest for locking away funds longer, while recurring deposits build savings with regular installments. Non-resident accounts serve Indian citizens living abroad.
The document provides an introduction to banking and defines what a bank is. It states that banks are essential institutions for any economy, providing various services in the globalized economy. It then defines a bank as a financial institution licensed to receive deposits and make loans. Banks may also provide financial services like wealth management and safe deposit boxes. There are two main types of banks: commercial/retail banks and investment banks. Banks are regulated by governments and central banks. The primary function of banks is to lend out deposited funds to earn interest.
Chapter_2_Overview of Commercial Banks_2022.pptxShetuBiswas3
This document provides an overview of commercial banks, including their definition, functions, and trends affecting them. It defines commercial banks as financial institutions that accept deposits and use those deposits to grant loans and offer other financial services. The key functions of commercial banks are described as primary functions like receiving deposits and advancing loans, agency functions like payment services, and general utility functions like letters of credit. The document also discusses credit creation by commercial banks and the credit multiplier effect. It concludes with a brief mention of trends affecting commercial banks.
This document provides an overview of bank investment and lending functions. It discusses how banks apply their funds through statutory liquidity ratio investments, non-SLR investments, and lending. Lending includes various types of loans like cash credit, overdrafts, and bill discounting. It also discusses non-fund based lending through bank guarantees and letters of credit. Asset-based lending is described as using collateral like projects, receivables, or securities to secure loans.
The document discusses various sources of business finance including internal sources like retained earnings and equity share capital, and external sources like debentures, term loans, public deposits, commercial banks, lease financing, and special financial institutions. It provides details on each source like their key features, terms, and advantages. Statistical data is also presented on the sources of finance most commonly used. The document aims to provide a comprehensive overview of the different avenues available for businesses to raise funds.
This document discusses the principles of Islamic finance. It states that Islamic finance is based on Shariah law, which governs religious and secular aspects of life. Some key principles discussed are the prohibition of riba (interest), gharar (uncertainty), investing in haram activities, and speculation. It also discusses common Islamic financial instruments like mudarabah (profit-sharing project financing), musharakah (profit-sharing partnership), murabaha (cost-plus sale), ijarah (leasing), and different types of accounts in Islamic banks.
This document defines and describes non-banking financial companies (NBFCs) in India. It states that NBFCs are companies registered under the Companies Act of 2013 that are engaged in financial activities like lending, leasing, investments, but do not carry out regular banking activities. NBFCs must be registered with the Reserve Bank of India and comply with regulations around minimum capital, liquid assets, public deposits, interest rates, and credit ratings. The document also outlines different types of NBFCs including mutual benefit companies, investment companies, equipment leasing companies, hire purchase companies, and loan companies.
Goodwill arises when a company acquires another company at a price higher than the fair market value of its tangible and identifiable intangible assets. It represents the future economic benefits from assets that are not individually identified and separately recognized. Goodwill is an intangible asset that is reported on the acquiring company's balance sheet.
The document discusses various types of commercial financing facilities including:
1. Temporary bridge financing which provides short-term funds until a subsequent longer-term loan.
2. Running finance/overdraft facilities which allow customers to temporarily overdraw their account up to an approved limit.
3. Demand/line of credit loans which are payable on demand or within 90 days and are used to finance inventory and receivables.
4. Term loans which are used for specific purposes like acquiring machinery and have maturities of 5+ years.
5. Discounting of bills of exchange which allows banks to earn interest by advancing funds to customers against bills that are then paid back on the maturity date.
Similar to Bank customers, special types ,minor infants, partnership, company, non trading company, Deposits, current, fixed, savings, recurring (20)
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Profiles of Iconic Fashion Personalities.pdfTTop Threads
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
How MJ Global Leads the Packaging Industry.pdfMJ Global
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HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf46adnanshahzad
How to Start Up a Company: A Step-by-Step Guide Starting a company is an exciting adventure that combines creativity, strategy, and hard work. It can seem overwhelming at first, but with the right guidance, anyone can transform a great idea into a successful business. Let's dive into how to start up a company, from the initial spark of an idea to securing funding and launching your startup.
Introduction
Have you ever dreamed of turning your innovative idea into a thriving business? Starting a company involves numerous steps and decisions, but don't worry—we're here to help. Whether you're exploring how to start a startup company or wondering how to start up a small business, this guide will walk you through the process, step by step.
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[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
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2. INTRODUTION
O What does Customer of a bank mean? A
customer is a person who has an account
with a bank or has a relationship with the
banker even though he has no account
with the bank.
3. Minor or infant
O Only a legally appointed guardian can
open a bank account in the name of a
minor. Once a minor crosses 18, they
must intimate the same to the bank.
Furthermore, they must submit a
specimen of their signature to the bank for
all operational purposes.
4. A Partnership Firm
O A partnership firm is where two or more persons
come together to establish a business and divide
its profits amongst themselves in the agreed ratio.
The partnership business includes any kind of
trade, occupation and profession. The Indian
Partnership Act, 1932 governs and regulates
partnership firms in India.
5. A Joint Stock Company
O A joint-stock company is a business
owned by its shareholders, who can buy
and sell shares freely. Historically, the
shareholders of a joint-stock company
could bear unlimited liability for debts
owed by the company.
6. Non-Trading Companies
O The objective of Non-Trading Companies
(Sociétés civiles) is to carry out purely civil
transactions, such as the management of real-
estate assets, or the pooling of resources for the
practice of a profession. They may also be
created for the management for own account of a
portfolio of securities.
9. A deposit is money held in a bank account or with another
financial institution that requires a transfer from one party to
another. A deposit can also be the amount of money used as
security or collateral for delivery of goods or services.
WHAT IS DEPOSIT
10. A current deposit account is, usually,
opened by businessmen. The
account holder can deposit and
withdraw money at any time as the
deposit is repayable on demand. It is
also known as a demand deposit. No
interest is paid on current accounts,
rather charges are taken by the bank
for services rendered by it.
CURRENT DEPOSIT ACCOUNT
11. A fixed deposit is a type of deposit in which a sum of
money is locked for a fixed period of time. However, the
tenure for the fixed deposit is decided by the person
who invests his funds. This tenure could be anywhere
from a few days to several years.
FIXED DEPOSIT ACCOUNT
12. A savings deposit is a bank account that an individual
can start to save money and earn interest for future
use.
SAVING DEPOSIT ACCOUNT
13. The Recurring deposit account is an account in the bank
or in a Post office where a depositor deposits a preset
amount of money every month for a fixed time period
(generally ranging from one year to five years).
RECURRING DEPOSIT ACCOUNT