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BANKING



 AMANPREET SINGH
      9988250044
Definition
A bank is a financial Institution and a financial intermediary that
accepts deposits and channels those deposits into lending activities,
either directly or through capital markets. A bank connects customers
that have capital deficits to customers with capital surpluses.

A banker or bank is a financial institution whose primary activity is to
act as a payment agent for customers and to borrow and lend money

Banking is one of the key drivers of the economy. Why?
It provides the liquidity needed for families and businesses to invest for
the future. Bank loans and credit means families don't have to save up
before going to college or buying a house, and companies can start
hiring immediately to build for future demand and expansion.

Here's how banking works. Banks provides a safe place to save excess
cash, known as deposits. Instead of sitting uselessly under the
mattress, banks can turn every one of those Rupee into Wealth. Banks
primarily make money by charging higher interest rates on their loans
than they pay for deposits.
Origin of the word
The word bank was borrowed in Middle English from Middle
French banque, from Old Italian banca, from Old High
German banc, bank "bench, counter".

Benches were used as desks or exchange counters during
the Renaissance by Florentine bankers, who used to make their
transactions atop desks covered by green tablecloths.

One of the oldest items found showing money-changing activity is a silver
Greek drachm coin from ancient Hellenic colony Trapezus on the Black
Sea, modern Trabzon, c. 350–325 BC, presented in the British Museum in
London. The coin shows a banker's table (trapeza) laden with coins, a pun
on the name of the city.
In fact, even today in Modern Greek the word Trapeza (Τράπεζα) means
both a table and a bank.

Another possible origin of the word is from the Sanskrit words (      )
'byaya' (expense) and 'onka' (calculation) = byaya-onka. This word
still survives in Bangla, which is one of Sanskrit's child languages.
Indian Banking Scenario




Banks in India can be categorized into Scheduled and Non-scheduled Banks

Scheduled Banks
Non-Schedule Banks

Banks in India can also be categorized as:
1. Public Sector Banks
2. Private Sector Banks
3. Foreign Banks
4. Regional Rural Banks (RRBs)
RBI: The Regulator
            The Reserve Bank of India was created
            with the central task of maintaining
            monetary stability in India. The
            Government on December 20, 1934
            issued a notification and on January 14,
            1935, the RBI came into existence,
            though it was formally inaugurated only
            on April 1, 1935.

            Main functions of RBI are

            Regulate the issue of banknotes2.
            Maintain reserves with a view to
            securing monetary stability and3.
            To operate the credit and currency
            system of the country to its advantage
Regulatory Framework in India
                 REGULATOR                                       ROLE
         RESERVE BANK OF INDIA (RBI)                     Banker to every Bank


                    AMFI                          Regulates Mutual Fund Transactions

   INSURANCE REGULATORY AND DEVELOPMENT
              AUTHORITY(IRDA)                      Regulates Insurance Transactions
                    FEMA                        Regulates Foreign Exchange Transactions
                                                  Regulates through Banking Practices
                 WORLD BANK                     implementation worldwide to strengthen
                                                       the International Banking
                                                 Regulates through setting of norms for
                 BASEL NORMS                        Risk Management in advances.

SECURITIES AND EXCHANGE BOARD OF INDIA (SEBI)   Regulates the Stock Market transactions
                                                 Regulates Forward trading and treasury
 FORWARD MARKETS COMMISSION (INDIA) (FMC)                     transactions
Banking Functions and Units
Banking Functions              Target Audience                                 Porducts
                                                           Saving A/c,Salary A/c,FDR,RD,Fund Transfers
  Retail Banking              Average Individual                                  etc.
                                                              Non fund based advances,LC,BG,Packing
Commercial Banking                   SMLE                                 Credit,Derivatives
                                                          Current Account,Overdraft Facilities,Cash Credit
 Business Banking                     SME                                       Loans
                         Agriculturist and allied small     Farm Equipment and Machinery Loans,Kisan
  Priority Banking                  traders                  Credit Card and Loans for Crop Aggregators
                                                           No Frill Accounts for Poor, Loans and Advances
                         Low Income segment, BPL,               through Micro Finance companies and
                           Landless Laborers and          distribution machinery for Government Schemes
 Inclusive Banking         Government Institutions                       E.g. SGSSY,SRY etc.
Corporate Banking             Large Enterprises                      Loan Sydication,Advances etc
Financial Institution   Other Banking Institutions,Co-
      Banking                op,Urban and RRB's              Treasury Services, Call Money and FDR's
World Banking Scenario: Focus Areas

Returning Shareholders value

Foster Financial Inclusion

Contribute to GDP growth

Effectively manager intermediation cost

Effectively allocate capital and maintain stability
Best Banks in the World
      Rank                                                                        Assets     Capital
Current Previous                               Bank                               US$m        US$m
   1        1        Deutsche Bank AG , Frankfurt am Main , Germany             2,804,332   3,084.10
   2        2                   BNP Paribas SA , Paris , France                 2,546,693   33,274.59
                    Industrial & Commercial Bank of China Limited , Beijing ,
  3         3                                 China                             2,458,597   55,454.17
  4         4                  Barclays Bank PLC , London , UK                  2,426,889   22,499.22
  5         5               JAPAN POST BANK Co Ltd , Tokyo , Japan              2,320,244   41,980.52
  6         6                Crédit Agricole SA , Montrouge , France            2,233,521   9,711.03
  7         7         The Royal Bank of Scotland plc , Edinburgh , UK           2,224,124   10,259.24
  8         8         China Construction Bank Corporation , Beijing , China     1,951,046   39,715.81
  9         9                 Bank of China Limited , Beijing , China           1,879,280   44,344.24
  10       10          Agricultural Bank of China Limited , Beijing , China     1,855,056   51,595.55
  11       11         The Bank of Tokyo-Mitsubishi UFJ Ltd , Tokyo , Japan      1,840,587   20,533.97
                   JPMorgan Chase Bank National Association , New York
  12       12                                 , USA                             1,811,678   1,785.00
  13       13           Banco Santander SA , Boadilla del Monte , Spain         1,621,778   5,772.97
  14       14         Sumitomo Mitsui Banking Corporation , Tokyo , Japan       1,591,849   21,242.10
  15       15                   Lloyds TSB Bank plc , London , UK               1,534,253   2,443.34
  16       16             Société Générale , Paris La Défense , France          1,530,870   1,256.97
  17       17                    UBS AG , Zürich , Switzerland                  1,511,838    408.01
  18       19                          BPCE , Paris , France                    1,475,178   20,750.29
  19       18               Bank of America NA , Charlotte , USA                1,451,969   3,020.04
  20       20                    Citibank NA , New York , USA                   1,288,592      751
  21       21                     HSBC Bank plc , London , UK                   1,285,269   1,237.19
  22       22             ING Bank NV , Amsterdam , Netherlands                 1,245,516    680.32




                                                      Banking Institutions with Foot Prints in India are marked Bold
Indian Banking Wish List
     Indian Banking has a big potential while quoting "Top Ten
     Indian Banks are way behind the Biggest asset Bank in
     China"




      At a time when bankers across the world are being termed
      as 'London Whale', hedge-fund sharks and various other
      deadly creatures, Indian financial system remains
      intact despite its "boring banking" tag.
Thank You

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Banking

  • 2. Definition A bank is a financial Institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses. A banker or bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money Banking is one of the key drivers of the economy. Why? It provides the liquidity needed for families and businesses to invest for the future. Bank loans and credit means families don't have to save up before going to college or buying a house, and companies can start hiring immediately to build for future demand and expansion. Here's how banking works. Banks provides a safe place to save excess cash, known as deposits. Instead of sitting uselessly under the mattress, banks can turn every one of those Rupee into Wealth. Banks primarily make money by charging higher interest rates on their loans than they pay for deposits.
  • 3. Origin of the word The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, from Old High German banc, bank "bench, counter". Benches were used as desks or exchange counters during the Renaissance by Florentine bankers, who used to make their transactions atop desks covered by green tablecloths. One of the oldest items found showing money-changing activity is a silver Greek drachm coin from ancient Hellenic colony Trapezus on the Black Sea, modern Trabzon, c. 350–325 BC, presented in the British Museum in London. The coin shows a banker's table (trapeza) laden with coins, a pun on the name of the city. In fact, even today in Modern Greek the word Trapeza (Τράπεζα) means both a table and a bank. Another possible origin of the word is from the Sanskrit words ( ) 'byaya' (expense) and 'onka' (calculation) = byaya-onka. This word still survives in Bangla, which is one of Sanskrit's child languages.
  • 4. Indian Banking Scenario Banks in India can be categorized into Scheduled and Non-scheduled Banks Scheduled Banks Non-Schedule Banks Banks in India can also be categorized as: 1. Public Sector Banks 2. Private Sector Banks 3. Foreign Banks 4. Regional Rural Banks (RRBs)
  • 5. RBI: The Regulator The Reserve Bank of India was created with the central task of maintaining monetary stability in India. The Government on December 20, 1934 issued a notification and on January 14, 1935, the RBI came into existence, though it was formally inaugurated only on April 1, 1935. Main functions of RBI are Regulate the issue of banknotes2. Maintain reserves with a view to securing monetary stability and3. To operate the credit and currency system of the country to its advantage
  • 6. Regulatory Framework in India REGULATOR ROLE RESERVE BANK OF INDIA (RBI) Banker to every Bank AMFI Regulates Mutual Fund Transactions INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY(IRDA) Regulates Insurance Transactions FEMA Regulates Foreign Exchange Transactions Regulates through Banking Practices WORLD BANK implementation worldwide to strengthen the International Banking Regulates through setting of norms for BASEL NORMS Risk Management in advances. SECURITIES AND EXCHANGE BOARD OF INDIA (SEBI) Regulates the Stock Market transactions Regulates Forward trading and treasury FORWARD MARKETS COMMISSION (INDIA) (FMC) transactions
  • 7. Banking Functions and Units Banking Functions Target Audience Porducts Saving A/c,Salary A/c,FDR,RD,Fund Transfers Retail Banking Average Individual etc. Non fund based advances,LC,BG,Packing Commercial Banking SMLE Credit,Derivatives Current Account,Overdraft Facilities,Cash Credit Business Banking SME Loans Agriculturist and allied small Farm Equipment and Machinery Loans,Kisan Priority Banking traders Credit Card and Loans for Crop Aggregators No Frill Accounts for Poor, Loans and Advances Low Income segment, BPL, through Micro Finance companies and Landless Laborers and distribution machinery for Government Schemes Inclusive Banking Government Institutions E.g. SGSSY,SRY etc. Corporate Banking Large Enterprises Loan Sydication,Advances etc Financial Institution Other Banking Institutions,Co- Banking op,Urban and RRB's Treasury Services, Call Money and FDR's
  • 8. World Banking Scenario: Focus Areas Returning Shareholders value Foster Financial Inclusion Contribute to GDP growth Effectively manager intermediation cost Effectively allocate capital and maintain stability
  • 9. Best Banks in the World Rank Assets Capital Current Previous Bank US$m US$m 1 1 Deutsche Bank AG , Frankfurt am Main , Germany 2,804,332 3,084.10 2 2 BNP Paribas SA , Paris , France 2,546,693 33,274.59 Industrial & Commercial Bank of China Limited , Beijing , 3 3 China 2,458,597 55,454.17 4 4 Barclays Bank PLC , London , UK 2,426,889 22,499.22 5 5 JAPAN POST BANK Co Ltd , Tokyo , Japan 2,320,244 41,980.52 6 6 Crédit Agricole SA , Montrouge , France 2,233,521 9,711.03 7 7 The Royal Bank of Scotland plc , Edinburgh , UK 2,224,124 10,259.24 8 8 China Construction Bank Corporation , Beijing , China 1,951,046 39,715.81 9 9 Bank of China Limited , Beijing , China 1,879,280 44,344.24 10 10 Agricultural Bank of China Limited , Beijing , China 1,855,056 51,595.55 11 11 The Bank of Tokyo-Mitsubishi UFJ Ltd , Tokyo , Japan 1,840,587 20,533.97 JPMorgan Chase Bank National Association , New York 12 12 , USA 1,811,678 1,785.00 13 13 Banco Santander SA , Boadilla del Monte , Spain 1,621,778 5,772.97 14 14 Sumitomo Mitsui Banking Corporation , Tokyo , Japan 1,591,849 21,242.10 15 15 Lloyds TSB Bank plc , London , UK 1,534,253 2,443.34 16 16 Société Générale , Paris La Défense , France 1,530,870 1,256.97 17 17 UBS AG , Zürich , Switzerland 1,511,838 408.01 18 19 BPCE , Paris , France 1,475,178 20,750.29 19 18 Bank of America NA , Charlotte , USA 1,451,969 3,020.04 20 20 Citibank NA , New York , USA 1,288,592 751 21 21 HSBC Bank plc , London , UK 1,285,269 1,237.19 22 22 ING Bank NV , Amsterdam , Netherlands 1,245,516 680.32 Banking Institutions with Foot Prints in India are marked Bold
  • 10. Indian Banking Wish List Indian Banking has a big potential while quoting "Top Ten Indian Banks are way behind the Biggest asset Bank in China" At a time when bankers across the world are being termed as 'London Whale', hedge-fund sharks and various other deadly creatures, Indian financial system remains intact despite its "boring banking" tag.