Chapter commercial banks b.v.raghunandan 2
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Commercial banks have primary functions of receiving deposits, lending to the public, and making investments. They receive demand and time deposits, provide overdrafts, loans, and cash credits for lending. For investments, they purchase treasury bills, government bonds, corporate securities, and more. Banks create credit by sanctioning loans and allowing customers to withdraw funds via check.
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This document defines 21 banking terms including:
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- ATM which stands for automated teller machine, more commonly called a cash machine in the UK.
- BACS which is the system banks use to make direct transfers between accounts for debit and credit transfers.
- Card security code which is the 3-digit number on credit/debit cards used for online payments.
- Mobile banking which refers to checking balances, transferring money or making payments using a mobile device.
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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.
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The Banking Regulation Act of 1949 defines banking as accepting deposits from the public that are repayable on demand for the purpose of lending or investment. The Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949 govern banking operations in India. A formal letter of introduction is required when opening a new bank account to verify the applicant's identity and banking history. The letter should be printed on bank letterhead and signed by an authorized bank officer.
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its a very easy way of learning about typesof accounts. i made this myself and used it in a presentation. hope u guys find it informative.
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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.
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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.
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Savings bank deposits are meant for small savers and have restrictions on withdrawals and minimum balance requirements. Current deposits are for business people and allow withdrawals by cheque but no interest. Recurring deposits encourage regular monthly savings over a fixed period by automatically depositing a set amount each month to earn interest. Fixed deposits are repaid after a specific time period but penalties apply for early closure. Proper documentation and verification is required to open any type of bank deposit.
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The presentation gives an outlook of various deposit accounts and banking services. The presentation also gives an overview of the basic functions performed by the banks and the provision of their services.
Deposit Facilities and Banking Services
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
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Deposit Accounts
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
Functions of commercial Bank
This document outlines the key functions of commercial banks which include accepting deposits, advancing loans, credit collection, investing funds, and providing agency services. It describes the primary, secondary, and general utility functions of banks. The primary functions are accepting deposits through savings, current, and fixed deposit accounts, and advancing loans through various types of loans like cash credit, overdraft, demand loans, and bill discounting. Secondary functions involve credit collection, foreign exchange dealings, and acting as trustees. General utility services include locker facilities, traveler's checks, credit information, and underwriting services.
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The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
3. It covers banking principles, regulations, accounting practices, lending, types of accounts, and legal and regulatory aspects of banking.
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Here are the steps to calculate the debt burden ratio:
1. Monthly income before tax: 1500 JD
2. Estimated tax: 20% of 1500 = 300 JD
3. Monthly net income: 1500 - 300 = 1200 JD
4. Monthly debt payments:
- Credit card 1: 50 JD
- Credit card 2: 75 JD
- Car loan: 150 JD
- Total monthly debt payments: 50 + 75 + 150 = 275 JD
5. Debt burden ratio = Total monthly debt payments / Monthly net income
= 275 / 1200
= 23%
Therefore, the debt burden ratio for this applicant is 23%.
Banking terms
1. The document defines various banking terms like NEFT, linked accounts, travellers' cheques, base rate, balance transfer, banking ombudsman, cashback, credit history, collateral, documentation fees, dormant accounts, fixed and floating interest rates, MICR code, no-frills accounts, ECS, processing fees, RTGS, IFSC code, KYC, CASA ratio, capital adequacy ratio, and risk weighting.
2. Key terms include NEFT for electronic fund transfers, linked accounts for transferring funds between accounts, travellers' cheques functioning like cash when traveling, and base rate as the minimum lending rate for banks.
3. Other important terms are
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The Indian financial system consists of five main components: money, financial instruments, financial markets, financial institutions, and central banks. It helps facilitate production, capital accumulation, and economic growth by encouraging savings, mobilizing savings, and allocating savings among alternative uses. Key regulators include the Reserve Bank of India and independent authorities that oversee banking, insurance, capital markets, and other financial services. The financial system is also supported by various types of financial institutions like commercial banks, non-banking financial companies, microfinance institutions, and more that connect savers and borrowers.
Banking product and services
The document discusses various banking products and services offered to corporate and retail customers. It describes two main types of banking products - fee based services and fund based services. Fee based services do not require investment from the bank and include services like cash management, foreign exchange, credit ratings, and online bill payments. Fund based services require bank investment through loans and credit facilities for working capital, exports, imports and term lending. Both corporate and retail customers are provided with an array of fee and fund based banking products customized to their needs.
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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.
Meenu 2
Commercial banks have two key functions: primary functions which include accepting deposits, granting loans and advances, cash credits, overdrafts, and discounting bills. They also have secondary functions like agency services and general utility services such as letters of credit, standing orders, demand drafts, traveler's checks, and foreign exchange. Commercial banks engage in processing payments, issuing bank drafts and checks, accepting term deposits, lending money, providing letters of credit and guarantees, safekeeping items, selling financial products, cash management, merchant banking, and underwriting bonds.
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Commercial banks have three primary functions: receiving deposits from customers in various account types, lending funds to the public through various loan products, and investing deposits in government securities, bonds, and other financial instruments. They create credit by granting loans which allows recipients to access and spend the funds through check deposits and withdrawals. Secondary functions include providing agency services, general utility services, and more recently engaging in activities like housing finance, credit/debit cards, and various electronic banking services due to changes in their role.
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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.
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The Banking Regulation Act of 1949 defines banking as accepting deposits from the public that are repayable on demand for the purpose of lending or investment. The Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949 govern banking operations in India. A formal letter of introduction is required when opening a new bank account to verify the applicant's identity and banking history. The letter should be printed on bank letterhead and signed by an authorized bank officer.
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its a very easy way of learning about typesof accounts. i made this myself and used it in a presentation. hope u guys find it informative.
Banking terminology
This document defines over 40 banking terms related to bank exams. It provides definitions for common banking terms like account balance, account statement, ATM, available balance, average daily balance, bad credit, bankruptcy, bill pay service, billing cycle, bounced cheque, budget, capital adequacy ratio and more. The definitions cover terms related to accounts, loans, credit cards, payments and general banking operations.
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.
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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.
Deposits
Savings bank deposits are meant for small savers and have restrictions on withdrawals and minimum balance requirements. Current deposits are for business people and allow withdrawals by cheque but no interest. Recurring deposits encourage regular monthly savings over a fixed period by automatically depositing a set amount each month to earn interest. Fixed deposits are repaid after a specific time period but penalties apply for early closure. Proper documentation and verification is required to open any type of bank deposit.
Deposit Facilities and Banking Services
The presentation gives an outlook of various deposit accounts and banking services. The presentation also gives an overview of the basic functions performed by the banks and the provision of their services.
Deposit Facilities and Banking Services
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
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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.
Deposit Accounts
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
Functions of commercial Bank
This document outlines the key functions of commercial banks which include accepting deposits, advancing loans, credit collection, investing funds, and providing agency services. It describes the primary, secondary, and general utility functions of banks. The primary functions are accepting deposits through savings, current, and fixed deposit accounts, and advancing loans through various types of loans like cash credit, overdraft, demand loans, and bill discounting. Secondary functions involve credit collection, foreign exchange dealings, and acting as trustees. General utility services include locker facilities, traveler's checks, credit information, and underwriting services.
Banking Overview
The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
3. It covers banking principles, regulations, accounting practices, lending, types of accounts, and legal and regulatory aspects of banking.
Introduction to consumer lending
Here are the steps to calculate the debt burden ratio:
1. Monthly income before tax: 1500 JD
2. Estimated tax: 20% of 1500 = 300 JD
3. Monthly net income: 1500 - 300 = 1200 JD
4. Monthly debt payments:
- Credit card 1: 50 JD
- Credit card 2: 75 JD
- Car loan: 150 JD
- Total monthly debt payments: 50 + 75 + 150 = 275 JD
5. Debt burden ratio = Total monthly debt payments / Monthly net income
= 275 / 1200
= 23%
Therefore, the debt burden ratio for this applicant is 23%.
Banking terms
1. The document defines various banking terms like NEFT, linked accounts, travellers' cheques, base rate, balance transfer, banking ombudsman, cashback, credit history, collateral, documentation fees, dormant accounts, fixed and floating interest rates, MICR code, no-frills accounts, ECS, processing fees, RTGS, IFSC code, KYC, CASA ratio, capital adequacy ratio, and risk weighting.
2. Key terms include NEFT for electronic fund transfers, linked accounts for transferring funds between accounts, travellers' cheques functioning like cash when traveling, and base rate as the minimum lending rate for banks.
3. Other important terms are
Banking and insurance chapters
The Indian financial system consists of five main components: money, financial instruments, financial markets, financial institutions, and central banks. It helps facilitate production, capital accumulation, and economic growth by encouraging savings, mobilizing savings, and allocating savings among alternative uses. Key regulators include the Reserve Bank of India and independent authorities that oversee banking, insurance, capital markets, and other financial services. The financial system is also supported by various types of financial institutions like commercial banks, non-banking financial companies, microfinance institutions, and more that connect savers and borrowers.
Banking product and services
The document discusses various banking products and services offered to corporate and retail customers. It describes two main types of banking products - fee based services and fund based services. Fee based services do not require investment from the bank and include services like cash management, foreign exchange, credit ratings, and online bill payments. Fund based services require bank investment through loans and credit facilities for working capital, exports, imports and term lending. Both corporate and retail customers are provided with an array of fee and fund based banking products customized to their needs.
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.
Meenu 2
Commercial banks have two key functions: primary functions which include accepting deposits, granting loans and advances, cash credits, overdrafts, and discounting bills. They also have secondary functions like agency services and general utility services such as letters of credit, standing orders, demand drafts, traveler's checks, and foreign exchange. Commercial banks engage in processing payments, issuing bank drafts and checks, accepting term deposits, lending money, providing letters of credit and guarantees, safekeeping items, selling financial products, cash management, merchant banking, and underwriting bonds.
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Commercial banks have three primary functions: receiving deposits from customers in various account types, lending funds to the public through various loan products, and investing deposits in government securities, bonds, and other financial instruments. They create credit by granting loans which allows recipients to access and spend the funds through check deposits and withdrawals. Secondary functions include providing agency services, general utility services, and more recently engaging in activities like housing finance, credit/debit cards, and various electronic banking services due to changes in their role.
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The document provides an overview of the cards and payments industry. It discusses the different types of credit cards including purchasing cards, corporate travel and entertainment cards, small business cards, fleet cards, payroll/prepaid cards, and healthcare cards. It outlines the key parties involved in the industry including cardholders, issuing banks, merchants, acquiring banks, and credit card associations. It also describes how credit cards work, how online credit card processing works, and the payment processing settlement process. Finally, it provides data on the size of the US credit cards market and growth projections for different card types such as health savings accounts.
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Pre-paid cards provide benefits such as being easy to obtain and use, having immediately available funds, and reducing overdraft risk. However, they can also be used to launder money through placement, layering, and integration stages. Various countries have regulatory frameworks to address money laundering risks of pre-paid cards that include specifying who can issue cards, requiring licenses, and imposing know-your-customer and anti-money laundering rules. Regulations aim to balance facilitating financial inclusion with mitigating risks.
10
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Chapter commercial banks b.v.raghunandan 2
- 2. Primary Function s Receiving Deposits Lending to Public Investment Creation of credit
- 3. Receiving Deposits Demand Deposits: Time Deposits: -Current Account -Fixed Deposit -Savings Bank -Cash Certificate Account -Recurring deposit
- 4. Lending to Public Cash Credit Overdraft Discounting Bills of Loans Exchange
- 5. Investment Treasury Bills Government Bonds Bonds of Public Sector Units Money Market Instruments Corporate Securities Equity of RRBs and Co- operatives
- 6. Creation of Credit Process of crediting the account of the customer for the loan sanctioned Act of drawing cheques on the accounts Recipient or payee depositing the cheque into his account
- 7. Secondary Functions- Agency Services Collection of Depository Income & Participation Instruments Safe-Custody Payments Facilities Purchase & Sale of Tax Compliance Securities Merchant Banking Investment Factoring Services Counselling Remittance of Funds
- 8. General Utility Services Trustee, Attorney & Underwriting Administrator Lease financing Safe Deposit Publication Lockers Performance Travellers’ Cheques Guarantee Acting As Referees Dealing in Foreign Letters of Credit Exchange
- 9. Changing Role of Commercial Banks Housing Finance Electronic Transfer Sale of Mutual of Funds: National Fund Units level numbering of Bancassurance accounts, MICR cheques,At Par Issue of Credit Cheques, mobile Cards/Smart Cards banking & Internet Issue of ATM/Debit Banking Cards
- 10. Electronic Banking ATMs RTGS Tele-banking Online Payment Any-time Banking Mobile Banking Any-where banking Internet Banking Shared Payment Network System
- 11. THANK YOU