Banking system
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This document provides an overview of banking and banking law in India. It defines banking as accepting deposits from the public for lending or investment. It describes different types of banking systems and notes that banking is regulated through legislation like the Banking Regulation Act of 1949. The Act establishes the framework for banking business and regulations. It also discusses the role of the Reserve Bank of India and how banks support economic development through activities like financing agriculture, trade, and industry.
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Functionsofcommercialbanks 130523075925-phpapp01
This document defines a bank and outlines the functions of commercial banks. It begins by defining a bank as a financial institution that accepts deposits from the public and lends money. It then lists the primary functions of commercial banks, which include accepting deposits, lending loans, creating credit, clearing checks, financing foreign trade, and remitting funds. Secondary functions include providing agency and general utility services. The document concludes by stating that modern banks play a role in achieving socioeconomic objectives and national development goals.
Functions of Commercial Banks in India
Commercial banks primarily accept deposits and provide loans to customers. They play an important role in a country's economy by fulfilling short and mid-term financial needs of industries. Commercial banks' functions include accepting savings, fixed, and current deposits, providing secured and unsecured loans, and engaging in credit creation by extending lines of credit. Secondary functions are providing locker facilities, dealing in foreign exchange, exchanging securities, and discounting bills of exchange.
Commercial Banking
The document defines a bank as a financial institution that accepts money from the public for lending, investment, or withdrawal by demand. It discusses the main types of commercial banks such as deposit banks and industrial banks. The primary functions of commercial banks include accepting deposits, advancing loans, creating credit, clearing checks, and financing foreign trade. Secondary functions include providing agency and general utility services. The top 15 commercial banks in India are listed, with State Bank of India, ICICI Bank, and Punjab National Bank ranked as the top three.
Functions of Commercial Banks in India
This powerpoint will help to understand the functions of banks in India. People could aware with the banking system and it will help to create awareness in public also.
Commercial bank and its functions
Commercial banks play an important role in the financial sector by accepting deposits from the public and lending money in various forms. They mobilize savings and provide credit to meet the needs of businesses, farmers, consumers and other sectors. As profit-seeking institutions, commercial banks perform primary functions like accepting deposits and lending loans. They also offer secondary services like collection and payment services, income tax consultation, and money transfers. Some banks engage in additional activities such as housing finance, mutual funds, and merchant banking to maximize profits. Overall, commercial banks act as intermediaries between savers and borrowers in the economy.
Commercial Banks
This document discusses the functions of commercial banks. It begins by defining a commercial bank as a profit-seeking business that deals in money and credit by accepting deposits from the public and lending money. It then lists the primary functions of commercial banks as accepting deposits, advancing loans, creating credit, clearing checks, financing foreign trade, and remitting funds. The document also discusses the secondary functions of commercial banks such as providing agency services and general utility services to customers. It provides examples of different types of deposits, loans, and services offered by commercial banks.
commercial bank and its functions.
Commercial banks are for-profit financial institutions that accept deposits, grant loans, and offer other financial services. There are three main types of commercial banks in India: public sector banks controlled by the Reserve Bank of India, private sector banks registered as limited companies, and foreign banks headquartered abroad. The primary functions of commercial banks are accepting deposits, advancing loans, and creating credit, while secondary functions include cheque clearing, fund transfers, and agency services like collecting payments. Commercial banks also offer electronic banking services like debit cards, credit cards, and internet banking. The largest commercial banks in India are State Bank of India, ICICI Bank, and Punjab National Bank.
Functions of a commercial bank
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
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Functionsofcommercialbanks 130523075925-phpapp01
This document defines a bank and outlines the functions of commercial banks. It begins by defining a bank as a financial institution that accepts deposits from the public and lends money. It then lists the primary functions of commercial banks, which include accepting deposits, lending loans, creating credit, clearing checks, financing foreign trade, and remitting funds. Secondary functions include providing agency and general utility services. The document concludes by stating that modern banks play a role in achieving socioeconomic objectives and national development goals.
Functions of Commercial Banks in India
Commercial banks primarily accept deposits and provide loans to customers. They play an important role in a country's economy by fulfilling short and mid-term financial needs of industries. Commercial banks' functions include accepting savings, fixed, and current deposits, providing secured and unsecured loans, and engaging in credit creation by extending lines of credit. Secondary functions are providing locker facilities, dealing in foreign exchange, exchanging securities, and discounting bills of exchange.
Commercial Banking
The document defines a bank as a financial institution that accepts money from the public for lending, investment, or withdrawal by demand. It discusses the main types of commercial banks such as deposit banks and industrial banks. The primary functions of commercial banks include accepting deposits, advancing loans, creating credit, clearing checks, and financing foreign trade. Secondary functions include providing agency and general utility services. The top 15 commercial banks in India are listed, with State Bank of India, ICICI Bank, and Punjab National Bank ranked as the top three.
Functions of Commercial Banks in India
This powerpoint will help to understand the functions of banks in India. People could aware with the banking system and it will help to create awareness in public also.
Commercial bank and its functions
Commercial banks play an important role in the financial sector by accepting deposits from the public and lending money in various forms. They mobilize savings and provide credit to meet the needs of businesses, farmers, consumers and other sectors. As profit-seeking institutions, commercial banks perform primary functions like accepting deposits and lending loans. They also offer secondary services like collection and payment services, income tax consultation, and money transfers. Some banks engage in additional activities such as housing finance, mutual funds, and merchant banking to maximize profits. Overall, commercial banks act as intermediaries between savers and borrowers in the economy.
Commercial Banks
This document discusses the functions of commercial banks. It begins by defining a commercial bank as a profit-seeking business that deals in money and credit by accepting deposits from the public and lending money. It then lists the primary functions of commercial banks as accepting deposits, advancing loans, creating credit, clearing checks, financing foreign trade, and remitting funds. The document also discusses the secondary functions of commercial banks such as providing agency services and general utility services to customers. It provides examples of different types of deposits, loans, and services offered by commercial banks.
commercial bank and its functions.
Commercial banks are for-profit financial institutions that accept deposits, grant loans, and offer other financial services. There are three main types of commercial banks in India: public sector banks controlled by the Reserve Bank of India, private sector banks registered as limited companies, and foreign banks headquartered abroad. The primary functions of commercial banks are accepting deposits, advancing loans, and creating credit, while secondary functions include cheque clearing, fund transfers, and agency services like collecting payments. Commercial banks also offer electronic banking services like debit cards, credit cards, and internet banking. The largest commercial banks in India are State Bank of India, ICICI Bank, and Punjab National Bank.
Functions of a commercial bank
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
Functions of commerical bank in india
Commercial banks accept deposits from the public, lend money mainly for short term commercial purposes, and facilitate the transfer of funds. They perform primary functions like accepting deposits, lending money, and credit creation which involves advancing loans and creating additional money through fractional reserve banking. Commercial banks also perform secondary functions such as providing agency services like payment/collection and remittance of funds, as well as general utility services including safe deposit boxes, letters of credit, traveler's checks and foreign exchange services.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer investment products. It then classifies banks based on their functions into savings banks, agricultural banks, exchange banks, industrial banks, cooperative banks, and commercial banks. The document describes the primary functions of commercial banks as accepting deposits and advancing loans. It also outlines the principles that commercial banks follow, including liquidity, solvency, safety, and profitability. Finally, it provides details on the sources of funds for commercial banks, which include deposits, reserve funds, shareholder capital, retained earnings, and liabilities management.
Functions of commercial banks
This document discusses commercial banks and their functions. It defines a bank as an institution that accepts deposits from the public and lends money. It outlines various types of commercial banks like deposit banks, industrial banks, and agricultural banks. It explains that commercial banks play an important role in promoting capital formation, investment, trade, industry, agriculture, and implementing monetary policy. They perform primary functions like accepting deposits, advancing loans, and creating credit, as well as secondary functions like agency and utility services. In conclusion, commercial banks are now considered the nerve system of economic development in a country.
Commercial Banks
Commercial banks play an important role in economic development by mobilizing savings, financing different sectors, and implementing monetary policy. They accept deposits and provide loans to individuals, businesses, and sectors like industry, trade, agriculture, and consumers. Banks offer various deposit accounts and loan products. They also perform agency functions and provide other services like foreign exchange, bill discounting, and underwriting. In developing countries specifically, banks help channel savings into productive investments, finance key sectors, and raise living standards by expanding access to credit.
Commercial bank
Commercial banks accept deposits from the public and use those funds to issue loans and earn a profit. Their primary functions are accepting various types of deposits like savings accounts, current accounts, fixed deposits, and recurring deposits. They also issue various loan products like short term loans, cash credits, overdrafts, and by discounting bills of exchange. Through the process of credit creation, commercial banks can multiply deposits and loans beyond the initial deposit amounts by keeping only a fraction as reserves, while lending out the rest. This allows them to effectively create money and expand the money supply.
Commercial banking
Commercial banks perform primary functions of accepting deposits, advancing loans, and creating credit. They also provide secondary functions like agency services and general utility services. Modern banks help achieve socio-economic objectives set by governments, such as promoting small businesses and self-employment through specialized lending schemes at concessional rates of interest.
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The document discusses the evolution and functions of banking in India. It notes that the banking system in India began with Presidency Banks in the 1800s and has since expanded to include other public and private banks as well as cooperative banks. The Reserve Bank of India, established in 1935, serves as the central bank regulating monetary policy and the banking sector. Commercial banks perform primary functions like accepting deposits and lending loans as well as secondary functions such as agency, advisory, and utility services for customers.
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Commercial banks act as financial intermediaries by collecting deposits from lenders and lending in the form of loans. Their primary functions include accepting deposits and granting loans and advances. Secondary functions involve issuing letters of credit, providing safe deposit services, foreign exchange facilities, money transfers, and more. Commercial banks in India include public sector banks like State Bank of India as well as private and foreign banks. Credit creation, whereby banks expand deposits through lending, is a key function of commercial banks today.
Commercial bank
The document discusses commercial banks in India. It defines commercial banks as financial institutions that raise funds through deposits and make loans. It outlines the different types of commercial banks in India, including public sector banks, foreign banks, and private sector banks. It describes the key functions of commercial banks such as accepting deposits, lending money, transferring funds, and acting as trustees. It also discusses the sources of funds for commercial banks, technological reforms in the banking sector, and the regulatory role of the Reserve Bank of India over commercial banks. In the end, it notes some weaknesses faced by commercial banks and their future plans to improve services and expand business.
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This document provides an overview of commercial banking. It begins by introducing the group members presenting on this topic. It then defines commercial banking as products and services designed for businesses, with the main functions being deposit-taking and making loans. The document proceeds to outline various functions, services, employment of funds, credit creation mechanisms, limitations on credit creation, clearing house systems, and different types of banking systems such as unit, branch, investment, mixed, universal, merchant, virtual, and green banking.
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This document provides an overview of banking in India. It defines banking and explains why it is important. It then describes the structure of banking in India including commercial banks, cooperative banks, and services offered by banks like loans, deposits, money transfers. It provides details on electronic banking and highlights the first Indian governor. International banking is also summarized covering advantages like tax efficiency and convenience.
Role of Commercial Banks in India
Commercial banks in India play an important role in economic development by providing capital, credit, and financial services. They accelerate capital formation, provide financing to agriculture, industry and infrastructure, help monetize the rural economy by expanding branches, and implement monetary policy. Nationalization of banks in 1969 and 1980 aimed to ensure credit allocation aligned with development priorities and expand access to agricultural communities. The structure of the Indian banking system includes public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. Commercial banks perform key functions like accepting deposits, advancing loans, discounting bills, and providing agency and general services.
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This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer basic investment products. It notes that central banks oversee commercial banking systems and impose conditions like reserve requirements. The document then describes the primary functions of commercial banks as receiving deposits and advancing loans. It also outlines various agency, general utility, and other roles commercial banks play in promoting economic growth.
Indian Banking System
Click on the link below to watch full video on youtube -
https://youtu.be/gZ_2NLjG9SQ
The term ‘bank’ is derived from the French word ‘Banco’ which means a Bench or Money exchange table.
A bank is a financial institution that provides banking and other financial services to their customers such as accepting deposits, lending loans, money transfer and selling third party products like insurance, mutual fund and portfolio management.
When banks accept deposits its liabilities increase as it has to pay interest to the customer but when it provides loans/ advances its assets increases as it earns interest.
As financial intermediaries, banks stand between depositors who supply capital and borrowers who demand capital.
The functions of commercial banks can be broadly categorized into : a) Primary functions b) Secondary functions
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Subscribe To DevTech Finance
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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.
Commercialbanks6
A bank is a financial institution that acts as a payment agent for customers, accepting deposits and lending money. Commercial banks offer various deposit accounts and make loans to businesses while earning a profit. The document then discusses the different types of banks in India such as public sector, private sector, and foreign banks. It also covers the primary functions of commercial banks which include accepting deposits, providing advances or loans, and engaging in credit creation when loans are issued.
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The document discusses the primary and secondary functions of commercial banks. The primary functions are accepting deposits, advancing loans, credit creation, and investing funds. Accepting deposits includes savings, current, and fixed deposit accounts. Advancing loans includes cash credit, overdrafts, demand loans, and bill discounting. Secondary functions include agency services like fund transfers, collections, and foreign exchange; as well as general utility services like lockers, travelers checks, and credit information. The top 15 commercial banks in India are also listed.
Functions of commercial banks
this is the prentation for Functions of commercial banks for knowledge purpose. in this we include definition, types of commercial banks & all the functions which a bank perform.
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The document summarizes the history of banking in India from the establishment of the earliest Indian bank in 1870 to the modern structure and regulation of the Indian financial system. It discusses the key events and institutions that shaped the development of banking in India, including the establishment of the Reserve Bank of India in 1934 and its nationalization in 1949. The summary also outlines the roles and functions of various public and private banks as well as other financial institutions that make up India's current financial system.
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The document provides a history of banking in India from the establishment of the earliest banks in the late 19th century through nationalization efforts in the 20th century. It discusses key events and institutions including:
1) The establishment of early presidency banks in the 1870s which laid the foundations for modern banking. These were later amalgamated into the Imperial Bank of India in 1921.
2) The passage of the Reserve Bank of India Act in 1934 which established RBI as the central bank and the Banking Regulation Act of 1949 which brought banks under greater government control and empowered RBI for regulation and supervision.
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Functions of commerical bank in india
Commercial banks accept deposits from the public, lend money mainly for short term commercial purposes, and facilitate the transfer of funds. They perform primary functions like accepting deposits, lending money, and credit creation which involves advancing loans and creating additional money through fractional reserve banking. Commercial banks also perform secondary functions such as providing agency services like payment/collection and remittance of funds, as well as general utility services including safe deposit boxes, letters of credit, traveler's checks and foreign exchange services.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer investment products. It then classifies banks based on their functions into savings banks, agricultural banks, exchange banks, industrial banks, cooperative banks, and commercial banks. The document describes the primary functions of commercial banks as accepting deposits and advancing loans. It also outlines the principles that commercial banks follow, including liquidity, solvency, safety, and profitability. Finally, it provides details on the sources of funds for commercial banks, which include deposits, reserve funds, shareholder capital, retained earnings, and liabilities management.
Functions of commercial banks
This document discusses commercial banks and their functions. It defines a bank as an institution that accepts deposits from the public and lends money. It outlines various types of commercial banks like deposit banks, industrial banks, and agricultural banks. It explains that commercial banks play an important role in promoting capital formation, investment, trade, industry, agriculture, and implementing monetary policy. They perform primary functions like accepting deposits, advancing loans, and creating credit, as well as secondary functions like agency and utility services. In conclusion, commercial banks are now considered the nerve system of economic development in a country.
Commercial Banks
Commercial banks play an important role in economic development by mobilizing savings, financing different sectors, and implementing monetary policy. They accept deposits and provide loans to individuals, businesses, and sectors like industry, trade, agriculture, and consumers. Banks offer various deposit accounts and loan products. They also perform agency functions and provide other services like foreign exchange, bill discounting, and underwriting. In developing countries specifically, banks help channel savings into productive investments, finance key sectors, and raise living standards by expanding access to credit.
Commercial bank
Commercial banks accept deposits from the public and use those funds to issue loans and earn a profit. Their primary functions are accepting various types of deposits like savings accounts, current accounts, fixed deposits, and recurring deposits. They also issue various loan products like short term loans, cash credits, overdrafts, and by discounting bills of exchange. Through the process of credit creation, commercial banks can multiply deposits and loans beyond the initial deposit amounts by keeping only a fraction as reserves, while lending out the rest. This allows them to effectively create money and expand the money supply.
Commercial banking
Commercial banks perform primary functions of accepting deposits, advancing loans, and creating credit. They also provide secondary functions like agency services and general utility services. Modern banks help achieve socio-economic objectives set by governments, such as promoting small businesses and self-employment through specialized lending schemes at concessional rates of interest.
modern bankin system in india
The document discusses the evolution and functions of banking in India. It notes that the banking system in India began with Presidency Banks in the 1800s and has since expanded to include other public and private banks as well as cooperative banks. The Reserve Bank of India, established in 1935, serves as the central bank regulating monetary policy and the banking sector. Commercial banks perform primary functions like accepting deposits and lending loans as well as secondary functions such as agency, advisory, and utility services for customers.
Commercial banks in india
A report on commercial banks discusses their meaning, types, functions, sources of funds, and technological reforms. It notes that commercial banks raise funds through various deposit types and make loans and purchase bonds. They accept deposits, lend money, transfer funds, act as intermediaries and trustees, and offer safe deposit services. The report also discusses the control of the Reserve Bank of India over commercial banks and some weaknesses and future plans of commercial banks.
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Commercial banks act as financial intermediaries by collecting deposits from lenders and lending in the form of loans. Their primary functions include accepting deposits and granting loans and advances. Secondary functions involve issuing letters of credit, providing safe deposit services, foreign exchange facilities, money transfers, and more. Commercial banks in India include public sector banks like State Bank of India as well as private and foreign banks. Credit creation, whereby banks expand deposits through lending, is a key function of commercial banks today.
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The document discusses commercial banks in India. It defines commercial banks as financial institutions that raise funds through deposits and make loans. It outlines the different types of commercial banks in India, including public sector banks, foreign banks, and private sector banks. It describes the key functions of commercial banks such as accepting deposits, lending money, transferring funds, and acting as trustees. It also discusses the sources of funds for commercial banks, technological reforms in the banking sector, and the regulatory role of the Reserve Bank of India over commercial banks. In the end, it notes some weaknesses faced by commercial banks and their future plans to improve services and expand business.
Commercial bank
This document provides an overview of commercial banking. It begins by introducing the group members presenting on this topic. It then defines commercial banking as products and services designed for businesses, with the main functions being deposit-taking and making loans. The document proceeds to outline various functions, services, employment of funds, credit creation mechanisms, limitations on credit creation, clearing house systems, and different types of banking systems such as unit, branch, investment, mixed, universal, merchant, virtual, and green banking.
Presentation on Banking
This document provides an overview of banking in India. It defines banking and explains why it is important. It then describes the structure of banking in India including commercial banks, cooperative banks, and services offered by banks like loans, deposits, money transfers. It provides details on electronic banking and highlights the first Indian governor. International banking is also summarized covering advantages like tax efficiency and convenience.
Role of Commercial Banks in India
Commercial banks in India play an important role in economic development by providing capital, credit, and financial services. They accelerate capital formation, provide financing to agriculture, industry and infrastructure, help monetize the rural economy by expanding branches, and implement monetary policy. Nationalization of banks in 1969 and 1980 aimed to ensure credit allocation aligned with development priorities and expand access to agricultural communities. The structure of the Indian banking system includes public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. Commercial banks perform key functions like accepting deposits, advancing loans, discounting bills, and providing agency and general services.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer basic investment products. It notes that central banks oversee commercial banking systems and impose conditions like reserve requirements. The document then describes the primary functions of commercial banks as receiving deposits and advancing loans. It also outlines various agency, general utility, and other roles commercial banks play in promoting economic growth.
Indian Banking System
Click on the link below to watch full video on youtube -
https://youtu.be/gZ_2NLjG9SQ
The term ‘bank’ is derived from the French word ‘Banco’ which means a Bench or Money exchange table.
A bank is a financial institution that provides banking and other financial services to their customers such as accepting deposits, lending loans, money transfer and selling third party products like insurance, mutual fund and portfolio management.
When banks accept deposits its liabilities increase as it has to pay interest to the customer but when it provides loans/ advances its assets increases as it earns interest.
As financial intermediaries, banks stand between depositors who supply capital and borrowers who demand capital.
The functions of commercial banks can be broadly categorized into : a) Primary functions b) Secondary functions
Thank You For Watching
Subscribe To DevTech Finance
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.
Commercialbanks6
A bank is a financial institution that acts as a payment agent for customers, accepting deposits and lending money. Commercial banks offer various deposit accounts and make loans to businesses while earning a profit. The document then discusses the different types of banks in India such as public sector, private sector, and foreign banks. It also covers the primary functions of commercial banks which include accepting deposits, providing advances or loans, and engaging in credit creation when loans are issued.
Function of commercial bank
The document discusses the primary and secondary functions of commercial banks. The primary functions are accepting deposits, advancing loans, credit creation, and investing funds. Accepting deposits includes savings, current, and fixed deposit accounts. Advancing loans includes cash credit, overdrafts, demand loans, and bill discounting. Secondary functions include agency services like fund transfers, collections, and foreign exchange; as well as general utility services like lockers, travelers checks, and credit information. The top 15 commercial banks in India are also listed.
Functions of commercial banks
this is the prentation for Functions of commercial banks for knowledge purpose. in this we include definition, types of commercial banks & all the functions which a bank perform.
Roles of banks
This document discusses the roles of banks, including intermediation, payment systems, and financial services. It describes how banks transfer funds from savers to borrowers through intermediation, and how they facilitate payments through various systems like NEFT, EFT, NDS, and RTGS. It also outlines the types of financial services banks provide, dividing them into asset/fund-based services like term lending and bill discounting, and fee-based services like corporate and retail banking products.
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The document provides an overview of key banking laws and regulations in India, including the Banking Regulation Act of 1949. It discusses the history and objectives of the Act, as well as some important amendments over time. The Act aims to safeguard depositors and control bank personnel while promoting the interests of the Indian economy. It establishes requirements for banks regarding minimum capital, licensing, branch operations, reserves, and more. The Act applies to nationalized, non-nationalized, and cooperative banks operating in India.
Nbfc
This document discusses non-banking financial institutions (NBFCs) in India. It notes that NBFCs are regulated by the Reserve Bank of India and provide various financial services like loans, savings products, and money transfers. NBFCs are divided into three categories: asset companies, loan companies, and investment companies. The document then compares NBFCs to banks, outlines the roles of NBFCs, and discusses the regulatory framework for NBFCs in India established by the Reserve Bank of India.
Banking and finance laws
The document discusses several key banking and finance laws in India. It provides an overview of the objectives and importance of studying banking and finance laws in India. It then summarizes some of the major laws administered by the Department of Financial Services, including the Negotiable Instruments Act of 1881, the Reserve Bank of India Act of 1934, the Banking Regulation Act of 1949, the Deposit Insurance and Credit Guarantee Corporation Act of 1961, and the Sick Industrial Companies Act of 1985. The document outlines the purpose and some key aspects of these important banking and finance laws in India.
Regulatory Institutions of India - BBA SEM V (FMS).pdf
The Reserve Bank of India (RBI) is India's central banking institution, established in 1935. It regulates financial systems and monetary policy in India with the goal of maintaining price stability and economic growth. As a banker to the government and banks, the RBI performs key functions such as issuing currency, managing foreign exchange reserves, controlling money supply, and acting as lender of last resort. It also oversees banks and promotes rural/industrial development through specialized institutions. The Securities and Exchange Board of India (SEBI) regulates securities markets in India, established in 1988. Its objectives are to protect investors, regulate market functions, and promote fair practices. SEBI performs regulatory, protective, and developmental roles like monitoring company takeovers
Module 1 Banking Regulations.ppt
This document provides an overview of banking laws and regulations in India. It discusses key acts that govern banking, including the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949. It also outlines the regulatory bodies that oversee different segments of the financial sector, such as the Reserve Bank of India, Securities and Exchange Board of India, and Insurance Regulatory and Development Authority. Additionally, it covers various types of banks and financial institutions in India as well as priority sectors, credit policies, and risk management practices in banking.
NON - BANKING FINANCIAL COMPANIES IN INDIA & IT'S LEGAL FRAMEWORK
What is a Non-Banking Financial Company (NBFC)?
A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property. A non-banking institution which is a company and has principal business of receiving deposits under any scheme or arrangement in one lump sum or in installments by way of contributions or in any other manner, is also a non-banking financial company (Residuary non-banking company).
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1. Investment and concept of investment.
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Banking system
- 1. Banking and Insurance Law
- 2. Banking System Banking system occupies an important place in a nation’s economy. Bank is indispensable institution in a modern society.
- 3. Definition of Banking The term “Banking” is defined as “accepting, for the purpose of lending or investment, of deposits of money from the public, repay able on demand or otherwise and withdrawable by cheque, draft”.
- 4. Banking System Branch banking System Unit Banking System Group Banking System Chain Banking Deposit Banking System Mixed Banking System Pure Banking System
- 5. Banking Legislation in India Banking business its own distinctive features as compared to all other trades and business. A banking company deals mainly with the money of a large number of depositors, who have hardly any say in the conduct of the affairs of the company. Banking regulation Act 1949, is the main piece of central legislation in India embodying such specific provisions relating to the banking business.
- 6. The law relating to banking, as we find in India today, is the outcome of the gradual process of evolution. Before 1949 the Indian Companies Act 1913, contained special provisions relating to banking companies, which were felt inadequate and were subsequently incorporated in the comprehensive legislation passed in 1949 under the name of Banking Companies Act ( re-designated as the Banking Regulation Act in 1966).
- 7. Banking Regulation Act, 1949 Main Provisions of the BR Act 1949 Part I – preliminary (Sec 1 to 5 A) Part II – Business of Banking Companies. Part II A – Control and Management Part II B – Prohibition of certain in relation to banking companies. Part II C – Acquisition of the Undertakings of Banking Companies in certain cases. Part III – Suspension of Business and Winding up of Banking Companies.
- 8. Part III A – Special provisions for speedy disposal of winding up proceedings. Part IV – Miscellaneous Part V – Main Provisions as applicable to co-operative banking.
- 9. Reserve Bank of India Act 1934 Main Provisions of the RBI Act 1934 Loans and Advances from the Reserve Bank Maintenance of Statutory Reserves by the scheduled banks. Collection and furnishing of credit information.
- 10. Role of Banks in Economic Development Capital formation = 20,00,000 – 10,00,000 = 10,00,000 Financing Agriculture Financing trade Financing Industry Financing Employment Supporting Monetary Policy Assist in Innovations Banks Influence the Interest Rate Priority sector Implementation of the policies of the Govt.
- 11. Functions of Central Bank / RBI Issue and Regulation of currency Banker, Agent and Advisor to the Govt. Custodian of foreign exchange reserves control of credit research and data collection control money supply minimum reserve system clearance, settlement and transfer. Provide long term finance
- 12. Thank You….