Banking
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This document provides an overview of banking and financial tools in India. It defines a bank as a financial institution that collects deposits and lends money, with the Reserve Bank of India regulating all banks. It outlines several common banking tools like savings deposits, current deposits, fixed deposits, recurring deposits, letters of credit, lines of credit, customs guarantees, and bank guarantees. Savings deposits provide low interest for withdrawals within limits, while current deposits allow unlimited transactions but no interest. Fixed deposits cannot be withdrawn before maturity but offer higher interest rates.
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NBFC
To watch full video click on the link below-
https://youtu.be/C7SkShIESa0
NBFC are institutions or entities that provide financial / banking services but do not hold banking license.
These entities are registered under Companies Act.
Provides banking services like facilitating loan, financial advisory, wealth management, investment, leasing, underwriting, merger activities, general insurance etc.
Cannot accept demand deposits i.e. Current A/c and Saving A/c.
Examples – Bajaj Finserv, Muthoot Finance Ltd, IL&FS, Aditya Birla Finance Ltd. Etc.
Also referred as Shadow banking system
Thank You For Watching
Subscribe to DevTech Finance
Long Term Debt Instrument
Long-term debt consists of loans and financial obligations lasting over one year. Long-term debt for a company would include any financing or leasing obligations that are to come due in a greater than 12-month period. Long-term debt also applies to governments
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The document discusses various types of loans and credit facilities provided by banks, including:
1) Cash credit which allows customers to borrow up to an agreed limit and is a permanent facility.
2) Overdraft which allows customers to withdraw beyond their account balance up to an agreed limit and is a temporary facility.
3) Different types of loans such as secured/unsecured, demand/term loans, and participation/consortium loans involving multiple lenders.
4) How banks provide advances through discounting bills of exchange, deducting interest in advance from the billed amount.
Demo presentation
This document discusses working capital management. It defines working capital as the difference between current assets and current liabilities, and can be positive or negative. It outlines key components of working capital like inventories, receivables, payables. The document also discusses factors that influence working capital needs like nature of business, credit policies. It then explains how to calculate the operating cycle and applies it to sample data. Finally, it discusses various sources to finance working capital needs, including bank financing tools like overdrafts and letters of credit, as well as trade credit, public deposits, commercial papers and more.
Types of debt instruments
Bonds are loans issued by entities like governments and corporations to investors. There are several types of bonds:
Regular bonds have a fixed coupon and maturity date with no call or put options. Callable bonds allow the issuer to redeem the bond before maturity if interest rates decline. Puttable bonds give the investor the right to sell the bond back to the issuer before maturity if rates rise. Convertible bonds can be converted into equity in the borrowing firm. Perpetual bonds have no maturity date but may have a call option, while tier-2 bonds under Basel III standards have fixed coupons and maturity but a call option.
Financial Instruments and Securities
The document discusses various types of financial instruments. It defines a financial instrument as any contract that gives rise to a financial asset for one entity and a financial liability or equity instrument for another entity according to IAS standards. The document then proceeds to classify and describe different types of financial instruments including monetary instruments, investment instruments such as debt securities, equity securities, mutual funds, and derivatives, as well as non-investment instruments such as foreign exchange and cryptocurrency. Key details on each instrument such as features, examples, and liquidity are provided.
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This document summarizes branch banking and financial services offered by banks in Pakistan. It discusses the different types of accounts banks provide like current accounts, savings accounts, and term deposits. It also outlines the various payment and remittance services offered, including demand drafts, pay orders, telegraphic transfers, and online fund transfers. The document then discusses personal and business loan facilities that banks offer, including secured loans like mortgages and vehicle loans, as well as personal, mortgage, and business finance options.
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This document discusses long term financing, including its definition as financing where liabilities do not need to be repaid within one year. It outlines the key characteristics of long term financing like large loan sizes and risk. The purposes of long term financing are given as expanding companies, financing fixed assets, and funding large construction projects. Finally, the document identifies internal sources like retained earnings and external sources like banks and bonds as potential sources of long term financing.
Recommended
NBFC
To watch full video click on the link below-
https://youtu.be/C7SkShIESa0
NBFC are institutions or entities that provide financial / banking services but do not hold banking license.
These entities are registered under Companies Act.
Provides banking services like facilitating loan, financial advisory, wealth management, investment, leasing, underwriting, merger activities, general insurance etc.
Cannot accept demand deposits i.e. Current A/c and Saving A/c.
Examples – Bajaj Finserv, Muthoot Finance Ltd, IL&FS, Aditya Birla Finance Ltd. Etc.
Also referred as Shadow banking system
Thank You For Watching
Subscribe to DevTech Finance
Long Term Debt Instrument
Long-term debt consists of loans and financial obligations lasting over one year. Long-term debt for a company would include any financing or leasing obligations that are to come due in a greater than 12-month period. Long-term debt also applies to governments
Banking operations
The document discusses various types of loans and credit facilities provided by banks, including:
1) Cash credit which allows customers to borrow up to an agreed limit and is a permanent facility.
2) Overdraft which allows customers to withdraw beyond their account balance up to an agreed limit and is a temporary facility.
3) Different types of loans such as secured/unsecured, demand/term loans, and participation/consortium loans involving multiple lenders.
4) How banks provide advances through discounting bills of exchange, deducting interest in advance from the billed amount.
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This document discusses working capital management. It defines working capital as the difference between current assets and current liabilities, and can be positive or negative. It outlines key components of working capital like inventories, receivables, payables. The document also discusses factors that influence working capital needs like nature of business, credit policies. It then explains how to calculate the operating cycle and applies it to sample data. Finally, it discusses various sources to finance working capital needs, including bank financing tools like overdrafts and letters of credit, as well as trade credit, public deposits, commercial papers and more.
Types of debt instruments
Bonds are loans issued by entities like governments and corporations to investors. There are several types of bonds:
Regular bonds have a fixed coupon and maturity date with no call or put options. Callable bonds allow the issuer to redeem the bond before maturity if interest rates decline. Puttable bonds give the investor the right to sell the bond back to the issuer before maturity if rates rise. Convertible bonds can be converted into equity in the borrowing firm. Perpetual bonds have no maturity date but may have a call option, while tier-2 bonds under Basel III standards have fixed coupons and maturity but a call option.
Financial Instruments and Securities
The document discusses various types of financial instruments. It defines a financial instrument as any contract that gives rise to a financial asset for one entity and a financial liability or equity instrument for another entity according to IAS standards. The document then proceeds to classify and describe different types of financial instruments including monetary instruments, investment instruments such as debt securities, equity securities, mutual funds, and derivatives, as well as non-investment instruments such as foreign exchange and cryptocurrency. Key details on each instrument such as features, examples, and liquidity are provided.
BRANCH BANKING
This document summarizes branch banking and financial services offered by banks in Pakistan. It discusses the different types of accounts banks provide like current accounts, savings accounts, and term deposits. It also outlines the various payment and remittance services offered, including demand drafts, pay orders, telegraphic transfers, and online fund transfers. The document then discusses personal and business loan facilities that banks offer, including secured loans like mortgages and vehicle loans, as well as personal, mortgage, and business finance options.
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This document discusses long term financing, including its definition as financing where liabilities do not need to be repaid within one year. It outlines the key characteristics of long term financing like large loan sizes and risk. The purposes of long term financing are given as expanding companies, financing fixed assets, and funding large construction projects. Finally, the document identifies internal sources like retained earnings and external sources like banks and bonds as potential sources of long term financing.
THE CLASSIFICATION OF DEBT INSTRUMENTS IN INDIA
Debt Instruments are obligation of issuer of such instrument as regards certain future cash flow representing Interest & Principal, which the issuer would pay to the legal owner of the Instrument. Types of Debt Instruments are of different types like Bonds, Debentures, Commercial Papers, Certificates of Deposit, Government Securities (G - Secs) etc. The Government Securities (G-Secs) market is the oldest and the largest element of the Indian debt market in terms of market capitalization, trading volumes and outstanding securities. The G-Secs market plays a very important role in the Indian economy as it provides the benchmark for determining the level of interest rates in the country through the yields on the government securities which are treated as the risk-free rate of return in any economy.
The reserve Bank of India has allowed Primary Dealers, Banks and Financial Institutions in India to do transactions in debt instruments among themselves or with non-bank clients. Debt instruments provide fixed return known as coupon rate. Retail investors would have a natural preference for fixed income returns and especially so in the present situation of increasing volatility in the financial markets. Now, retail investors are also showing keen interest in Debt Instruments particularly in the Central Government Securities (G-secs).For an individual investor G-secs are one of the best investment options as there is zero default risk and lower volatility.
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Banking financial service management
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.
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This document discusses key concepts related to banking. It begins by defining what a bank is - a financial institution where customers can save or borrow money. It then outlines some of the principal functions of banks such as receiving deposits, paying interest, making loans, and more. The document also defines related terms like banking, banker, and customer. It discusses the objectives and characteristics of banking business. Finally, it covers topics like the classification of banks, the relationship between bankers and customers, and obligations of bankers.
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This document discusses various types and sources of working capital finance. It describes trade credit, cash credit/bank overdrafts, working capital loans, bill discounting, bank guarantees, letters of credit, and factoring as common types of working capital financing. Sources are categorized as spontaneous, short-term, or long-term, with spontaneous sources including trade credit, short-term including bank loans, and long-term including retained profits and share capital. The document provides details on each type and source.
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This document discusses various sources of finance for businesses, including both domestic and international options. It covers topics such as leasing, venture capital, factoring, loans from institutions like the Export-Import Bank of India, and forms of debt financing like hire purchase. International sources of finance discussed include foreign direct investment (FDI), investments from foreign institutional investors (FII), and methods of raising capital abroad through vehicles like American depositary receipts (ADR) and global depositary receipts (GDR).
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SHORT TERM SOURCES OF FUNDS
INTRODUCTION
SOURCES OF FUNDS
SHORT TERM FINANCE - PURPOSES
SHORT-TERM SOURCES OF FUNDS
-Trade Credit
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-Customer’s Advances
-Instalment Credit
-Loans from Co-operatives
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The document discusses various types of loans including secured loans, unsecured loans, open-ended loans, closed-ended loans, and more specific loans like personal loans, home loans, vehicle loans, student loans, business loans, and payday loans. It explains the key characteristics of each type of loan such as whether they require collateral, have fixed repayment terms, or can be repeatedly borrowed against. The 4 C's of lending are also summarized as the main criteria lenders evaluate which are the borrower's character, capacity to repay, capital or collateral, and the conditions of the loan.
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The document discusses various loan schemes offered by commercial banks to small businesses and MSMEs. It describes fund based facilities like loans, overdrafts, cash credits, and bill discounting which provide working capital. It also discusses non-fund based facilities like letters of credit and bank guarantees. The document provides details on the purpose and functioning of each facility.
Loans and types
This document provides an overview and definitions of various types of loans. It discusses secured and unsecured loans, open-ended and closed-ended loans, and specific loan types like term loans, personal loans, home loans, vehicle loans, student loans, and business loans. Key aspects like collateral, interest rates, repayment terms, and the 4 C's of credit (character, capital, collateral, and capacity) that lenders consider are explained.
Different loans subscribed by the consumers.
Credit cards allow users to make purchases without paying upfront by borrowing credit from financial institutions. While credit cards provide convenience, this comes at the cost of interest if balances aren't paid off in full each month. Loans are amounts of money borrowed that are expected to be paid back with interest over time. There are various types of loans like secured loans that use collateral and have lower rates, and unsecured loans that rely on credit history. The 4 C's model evaluates a borrower's character, capacity to repay, capital assets, and collateral pledged to determine loan eligibility.
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- 1. Banking and Financial awareness By R.N.D.Prasad (Asst Manager(po), SBI)
- 2. What is a Bank • Bank is a financial institution or financial intermediary that collects deposits and channels those deposits into lending activities • RBI is the central bank in India that regularizes all the banks in India • There are 19 public sector banks along with SBI and 5 associate banks of SBI
- 3. Banking Tools • Savings Deposit • Current Deposit • Fixed Deposit • Term Deposit • Letter of Credit • Line of Credit • Customs Guarantee • Bank Guarantee
- 5. Savings Deposit • Most common deposit that most of us see in our daily lives • Carries an insignificant interest that is decided by bank itself • Restricted number of withdrawals and restricted amount
- 6. Current Deposits • Mostly used by organizations or individuals who requires unlimited number of withdrawals or amount • Carries no interest • Unrestricted withdrawals and amount • Offers the feature overdue
- 7. Fixed deposits • Deposits cannot be withdrawn in the stipulated period • Carries higher interest rates • It can also be called term deposit or time deposit • You may get a loan on these certificates
- 8. Recurring Deposits • Investing tool for people who have constant and reliable income • Amount can be paid in installments • Carries interest rate greater than Savings deposit but lesser than FD • Post office deposits are general example for these deposits
- 9. Letter of Credit • It is a document issued by a financial institution, or a similar party, assuring payment to a seller of goods and/or services provided certain documents have been presented to the bank • These are primarily used in international trade
- 10. Line of Credit • It is any credit source extended to a government, business or individual by a bank or other financial institution. • A line of credit may take several forms, such as overdraft protection, demand loan, special purpose, export packing credit, term loan, discounting, purchase of commercial bills, traditional revolving credit card account, etc.
- 11. Customs Guarantee • It is a function of the bank offered for importers • Banks assess customer’s financial stability and capability to offer this feature • An importer can get a customs guarantee from his bank and he can pay customs tax after he cashes the imported material • Banks may charge certain amount for this feature
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