Commercialbank 180510162147
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This document provides an overview of commercial banking. It introduces the group members presenting on this topic and defines commercial banking as products and services designed for businesses, with deposit taking and loan making as the main functions. It then lists some primary functions like accepting deposits and advancing loans, secondary functions such as overdraft facilities, and various services offered by commercial banks such as agency, general utility, and overseas trading services.
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Bankingmodule1 181217051517
This document provides an overview of commercial banking in India. It begins with defining the role of banks in business and the structure of commercial banking in India. It then discusses the different types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. The document provides details on the nationalization of major banks in India in 1969 and 1980. It concludes with listing the major public sector banks and private sector banks currently operating in India.
Banking notes
Banks play a critical role in economic development by financing businesses and individuals. In India, banks cater to vast numbers of savers and provide financing needed for corporate and individual needs. Over time, banks have evolved, taking on new forms and services in response to economic changes. Today commercial banks in India accept deposits, provide loans, facilitate payments, support trade and development, and offer additional financial products and services.
Psu bank
Public sector banks emerged in India with the nationalization of Imperial Bank of India in 1955. Major subsequent nationalizations took place in 1969 and 1980. There are currently 21 public sector banks. State Bank of India is the largest public sector bank in India after merging with its associate banks in 2017. Public sector banks are considered safer than private banks as they are owned by the government and have lower minimum balance requirements. Public sector banks also offer better deals on loans with lower processing fees and interest rates that apply to existing customers when rates are lowered. They also have more flexible terms for prepayment of loans without penalties.
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the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
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This document provides an overview of public sector banks in India. It discusses the history of banking in India beginning with banks established by the British East India Company in the early 19th century. It notes that many major banks were nationalized by the government in 1969 and 1980. The document defines public sector banks as those where the government holds over 50% stake and are listed on stock exchanges. It then outlines various banking services provided by public sector banks like deposits, credits, general services, customized services and products.
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This document provides an overview of various types of banking in India including commercial banking, unit banking, branch banking, retail banking, wholesale banking, and universal banking. It discusses the key features and merits and demerits of each type. It also summarizes the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949, including requirements around cash reserve ratio, statutory liquidity ratio, and prudential norms. Finally, it outlines the structure of the Indian banking system.
Introduction to banking
Banking involves accepting deposits from the public and using those funds to issue loans. This provides a safe place for savings and supplies liquidity to fuel economic growth through business and consumer lending. Over time, the Indian banking system has evolved from indigenous banks to direct government intervention through nationalization, liberalization with the entry of private banks, and now includes foreign banks. The major types of banks in India are public sector, private sector, cooperative, rural, and foreign banks that all work to mobilize savings and facilitate transactions.
9 basic principles that commercial banks follow- Nelson
The document outlines several principles that are important for commercial banks, including the principles of liquidity, solvency, profitability, loan and investment, savings, services, secrecy, efficiency, and location. It discusses the need for banks to maintain liquidity to pay deposits on demand, have sufficient capital reserves, earn profit through short-term loans and investments, collect savings to reinvest and generate more profit, provide good customer service, keep customer accounts secret, operate efficiently, and locate branches in commercial areas with many potential customers.
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Bankingmodule1 181217051517
This document provides an overview of commercial banking in India. It begins with defining the role of banks in business and the structure of commercial banking in India. It then discusses the different types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. The document provides details on the nationalization of major banks in India in 1969 and 1980. It concludes with listing the major public sector banks and private sector banks currently operating in India.
Banking notes
Banks play a critical role in economic development by financing businesses and individuals. In India, banks cater to vast numbers of savers and provide financing needed for corporate and individual needs. Over time, banks have evolved, taking on new forms and services in response to economic changes. Today commercial banks in India accept deposits, provide loans, facilitate payments, support trade and development, and offer additional financial products and services.
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Public sector banks emerged in India with the nationalization of Imperial Bank of India in 1955. Major subsequent nationalizations took place in 1969 and 1980. There are currently 21 public sector banks. State Bank of India is the largest public sector bank in India after merging with its associate banks in 2017. Public sector banks are considered safer than private banks as they are owned by the government and have lower minimum balance requirements. Public sector banks also offer better deals on loans with lower processing fees and interest rates that apply to existing customers when rates are lowered. They also have more flexible terms for prepayment of loans without penalties.
savings bank account services by karnataka bank
the document starts with introduction to financial services then goes with comercial banks and then speaks about the profile of karnataka bank and savings bank account services of karnataka bank
Public Sectors Bank & It’s Services
This document provides an overview of public sector banks in India. It discusses the history of banking in India beginning with banks established by the British East India Company in the early 19th century. It notes that many major banks were nationalized by the government in 1969 and 1980. The document defines public sector banks as those where the government holds over 50% stake and are listed on stock exchanges. It then outlines various banking services provided by public sector banks like deposits, credits, general services, customized services and products.
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This document provides an overview of various types of banking in India including commercial banking, unit banking, branch banking, retail banking, wholesale banking, and universal banking. It discusses the key features and merits and demerits of each type. It also summarizes the Reserve Bank of India Act of 1934 and the Banking Regulation Act of 1949, including requirements around cash reserve ratio, statutory liquidity ratio, and prudential norms. Finally, it outlines the structure of the Indian banking system.
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Banking involves accepting deposits from the public and using those funds to issue loans. This provides a safe place for savings and supplies liquidity to fuel economic growth through business and consumer lending. Over time, the Indian banking system has evolved from indigenous banks to direct government intervention through nationalization, liberalization with the entry of private banks, and now includes foreign banks. The major types of banks in India are public sector, private sector, cooperative, rural, and foreign banks that all work to mobilize savings and facilitate transactions.
9 basic principles that commercial banks follow- Nelson
The document outlines several principles that are important for commercial banks, including the principles of liquidity, solvency, profitability, loan and investment, savings, services, secrecy, efficiency, and location. It discusses the need for banks to maintain liquidity to pay deposits on demand, have sufficient capital reserves, earn profit through short-term loans and investments, collect savings to reinvest and generate more profit, provide good customer service, keep customer accounts secret, operate efficiently, and locate branches in commercial areas with many potential customers.
Introduction to Banking
The document provides an introduction to banking, describing what banks do such as accepting deposits, lending money, and offering other services. It explains the primary functions of banks, which include accepting deposits like savings, fixed, and current accounts, and granting loans like overdrafts, cash credits, and term loans. Various types of deposits, loans, and other banking services are defined and described in detail.
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The document discusses the different types of banks that operate in Pakistan. It begins by defining banking and banking companies. It then outlines the main types of banks as: central banks, commercial banks, development banks, cooperative banks, specialized banks, microfinance banks, Islamic banks, and investment banks. For each type of bank, the document provides a brief definition and examples relevant to Pakistan.
Commercial Banking System
Commercial banks play a key role in the economy by accepting deposits from customers and providing loans and other financial services. They offer a variety of deposit products like savings accounts, fixed deposits, and current accounts. For credit, banks provide overdrafts, cash credits, loans, and bill discounting. Banks also offer other services like remittances, debit/credit cards, letters of credit, and safety deposit lockers. Commercial banking has evolved in India from the establishment of presidency banks in early 1800s to nationalization in 1969 and ongoing liberalization and globalization.
Commercial banking
Commercial banks occupy a dominant position in the money market and form the largest component of any country's banking structure. They are the oldest, largest, and fastest growing financial institutions in India. Commercial banks play a major role in economic growth by mobilizing savings, providing short-term loans and credit, and facilitating trade and business activity through services like checking accounts and lending. They act as reservoirs that collect savings from households and allocate those funds as loans to businesses and individuals for productive investment and use.
Commercial banks in india
Commercial banks in India accept deposits and provide loans and other financial services. The key functions of commercial banks are accepting deposits, advancing loans, discounting bills of exchange, and providing agency and general services. In 1969 and 1980, the Indian government nationalized several large commercial banks to increase access to credit in rural and underserved areas and promote equitable development. The objectives of nationalization were to reduce economic concentration, mobilize resources nationwide, and fulfill the credit needs of small businesses and farmers.
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Foreign banks new generation banks
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COMMERCIAL BANKING IN INDIA
This document provides an overview of commercial banking in India. It begins with a brief history of banking in India starting in the 19th century. It then defines commercial banking and describes the key services they provide, including money withdrawal, transfers, savings, loans, foreign exchange, and more. It classifies commercial banks in India into public sector banks, private sector banks, and foreign commercial banks. Several of the largest public and private sector banks are listed. The roles of commercial banks in economic development are also mentioned.
Commercial banks in india ppt
Commercial banks are the most important financial institutions for lending and borrowing money. They accept deposits from customers in various forms like demand deposits, fixed deposits, and savings accounts. They use these deposits to advance loans to businesses and individuals. Banks also provide other services like discounting bills of exchange, conducting agency services, and general services like issuing traveler's checks. In India, 14 large commercial banks were nationalized in 1969 to promote equitable development and ensure credit availability in rural and priority sectors. Nationalization led to expansion of bank branches across the country and increased deposit mobilization and lending, especially in agriculture and small businesses.
Income 4 banking
The document discusses the various sources of income for commercial banks in India. It states that banks earn interest income from loans and advances as well as investments. Their non-interest income comes from fees, trading profits, foreign exchange operations, and other miscellaneous sources. Recently, banks have seen slower growth in income due to lower interest rates. Their income is also increasingly coming from investments in government securities rather than loans, though this strategy could undermine their core lending functions over the long run. The document advocates for banks to focus on boosting their fee-based non-interest income through better customer service and new fee-based product offerings.
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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1. Banks engage in traditional functions like accepting deposits, lending, and facilitating money transfers. They also offer secondary services like investment management, letter of credit issuance, and foreign exchange.
2. Banking in India consists of public sector banks, private sector banks, cooperative banks, and specialized development banks. The Reserve Bank of India acts as the central bank, regulating the financial system and managing monetary policy.
3. Banks engage in various types of relationships with customers, acting as creditors, trustees, agents, and providing services like deposits, loans, credit/debit cards, and merchant banking.
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.
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The document discusses various types of commercial banks and financial institutions in India. It defines scheduled banks, public sector banks, private sector banks, foreign banks, cooperative banks, urban cooperative banks, and rural cooperative banks. It also summarizes the key activities and functions of commercial banks, including accepting deposits, lending, issuing financial instruments, offshore banking services, cash management, and implementing monetary policy. The document further discusses promissory notes, bills of exchange, cheques and different types of cheque crossings under Indian law.
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The document discusses different forms of banking including unit banking, branch banking, retail banking, wholesale banking, group banking, chain banking, and universal banking. Unit banking involves a single small bank serving a local community independently, while branch banking allows a bank to have multiple offices controlled by a central head office. Retail banking focuses on individual customers, and wholesale banking focuses on large corporate clients. Group banking involves banks controlled by a holding company, and chain banking involves the same individuals controlling multiple independent banks through stock ownership. Universal banking provides a wide range of financial services through one entity.
ROLE OF COMMERCIAL BANKS
Commercial banks play an important economic role by accepting deposits and using those funds to issue loans. They generate profit from the difference between lower interest rates paid on deposits and higher interest charged on loans. While historically banks only dealt with businesses, they now provide various services to both individual consumers and businesses, including checking and savings accounts, loans, transaction processing, and more. Common types of banks include commercial banks, investment banks, central banks, and specialized banks like community or savings banks.
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This document discusses the functions of commercial banks. It begins by defining a bank as a financial intermediary that takes deposits from savers and lends those funds to borrowers. It then describes the key functions of commercial banks, which include accepting deposits, lending loans, facilitating payments through checks, transferring funds, and providing various agency services. Commercial banks also engage in credit creation by lending out more money than they hold in deposits. The document outlines other services commercial banks provide and principles of sound banking, including maintaining adequate liquidity and expanding access. It concludes by explaining the role and functions of central banks, such as issuing currency, advising governments, overseeing commercial banks, and facilitating interbank clearing.
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Commercial banks
Commercial banks have several key objectives including mobilizing savings through various accounts, granting loans and advances, and providing treasury and payment services. They have advantages like numerous locations for accessibility, offering competitive prices on products and services, and providing a wide range of financial offerings. Canara Bank is a major public sector bank in India with over 5000 branches that offers various banking and financial services and has received several awards for its performance and initiatives.
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.
Financial services
This document provides an overview of financial services including commercial banking services, investment banking services, brokerage services, and foreign exchange services. It discusses how commercial banks accept deposits, provide loans, and offer investment products. Investment banks assist with underwriting debt/equity and mergers and acquisitions. Brokerages facilitate buying and selling of securities. Foreign exchange services include currency exchange and wire transfers. The document also briefly outlines the World Bank, which provides loans to developing countries, and the International Monetary Fund, which aims to promote economic growth and reduce poverty.
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The document discusses the different types of banks that operate in Pakistan. It begins by defining banking and banking companies. It then outlines the main types of banks as: central banks, commercial banks, development banks, cooperative banks, specialized banks, microfinance banks, Islamic banks, and investment banks. For each type of bank, the document provides a brief definition and examples relevant to Pakistan.
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Commercial banks play a key role in the economy by accepting deposits from customers and providing loans and other financial services. They offer a variety of deposit products like savings accounts, fixed deposits, and current accounts. For credit, banks provide overdrafts, cash credits, loans, and bill discounting. Banks also offer other services like remittances, debit/credit cards, letters of credit, and safety deposit lockers. Commercial banking has evolved in India from the establishment of presidency banks in early 1800s to nationalization in 1969 and ongoing liberalization and globalization.
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Commercial banks occupy a dominant position in the money market and form the largest component of any country's banking structure. They are the oldest, largest, and fastest growing financial institutions in India. Commercial banks play a major role in economic growth by mobilizing savings, providing short-term loans and credit, and facilitating trade and business activity through services like checking accounts and lending. They act as reservoirs that collect savings from households and allocate those funds as loans to businesses and individuals for productive investment and use.
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Commercial banks in India accept deposits and provide loans and other financial services. The key functions of commercial banks are accepting deposits, advancing loans, discounting bills of exchange, and providing agency and general services. In 1969 and 1980, the Indian government nationalized several large commercial banks to increase access to credit in rural and underserved areas and promote equitable development. The objectives of nationalization were to reduce economic concentration, mobilize resources nationwide, and fulfill the credit needs of small businesses and farmers.
Banking:- Role - Structure - Public sector and private sector banks - schedul...
Banking:-
Role of banks in business
Structure of commercial banking in India
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Functions of commercial banks
Changing scenario in commercial Banking.
COMMERCIAL BANKING IN INDIA
This document provides an overview of commercial banking in India. It begins with a brief history of banking in India starting in the 19th century. It then defines commercial banking and describes the key services they provide, including money withdrawal, transfers, savings, loans, foreign exchange, and more. It classifies commercial banks in India into public sector banks, private sector banks, and foreign commercial banks. Several of the largest public and private sector banks are listed. The roles of commercial banks in economic development are also mentioned.
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Commercial banks are the most important financial institutions for lending and borrowing money. They accept deposits from customers in various forms like demand deposits, fixed deposits, and savings accounts. They use these deposits to advance loans to businesses and individuals. Banks also provide other services like discounting bills of exchange, conducting agency services, and general services like issuing traveler's checks. In India, 14 large commercial banks were nationalized in 1969 to promote equitable development and ensure credit availability in rural and priority sectors. Nationalization led to expansion of bank branches across the country and increased deposit mobilization and lending, especially in agriculture and small businesses.
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The document discusses the various sources of income for commercial banks in India. It states that banks earn interest income from loans and advances as well as investments. Their non-interest income comes from fees, trading profits, foreign exchange operations, and other miscellaneous sources. Recently, banks have seen slower growth in income due to lower interest rates. Their income is also increasingly coming from investments in government securities rather than loans, though this strategy could undermine their core lending functions over the long run. The document advocates for banks to focus on boosting their fee-based non-interest income through better customer service and new fee-based product offerings.
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.
Presentation on Types of Banking
There are different types of banking includes retail, internet, banking etc. The presentation describes all the terms of Banking.
Bank and banking ppt bec bagalkot mba
1. Banks engage in traditional functions like accepting deposits, lending, and facilitating money transfers. They also offer secondary services like investment management, letter of credit issuance, and foreign exchange.
2. Banking in India consists of public sector banks, private sector banks, cooperative banks, and specialized development banks. The Reserve Bank of India acts as the central bank, regulating the financial system and managing monetary policy.
3. Banks engage in various types of relationships with customers, acting as creditors, trustees, agents, and providing services like deposits, loans, credit/debit cards, and merchant banking.
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.
Classification and Characteristics of All Banks - Unitedworld School of Busi...
The document discusses various types of commercial banks and financial institutions in India. It defines scheduled banks, public sector banks, private sector banks, foreign banks, cooperative banks, urban cooperative banks, and rural cooperative banks. It also summarizes the key activities and functions of commercial banks, including accepting deposits, lending, issuing financial instruments, offshore banking services, cash management, and implementing monetary policy. The document further discusses promissory notes, bills of exchange, cheques and different types of cheque crossings under Indian law.
m.com(Final)
The document appears to be a student project report on the workings of the UMA Co-operative Bank Ltd. It includes details such as the student's name and program of study, an introduction to co-operative banks in India and their structure, an overview of UMA Bank including financial details, descriptions of various bank accounts and loan types offered, and explanations of processes like RTGS and NEFT transactions. The document contains detailed information on the operations and services provided by UMA Bank to its members.
Forms of Banking
The document discusses different forms of banking including unit banking, branch banking, retail banking, wholesale banking, group banking, chain banking, and universal banking. Unit banking involves a single small bank serving a local community independently, while branch banking allows a bank to have multiple offices controlled by a central head office. Retail banking focuses on individual customers, and wholesale banking focuses on large corporate clients. Group banking involves banks controlled by a holding company, and chain banking involves the same individuals controlling multiple independent banks through stock ownership. Universal banking provides a wide range of financial services through one entity.
ROLE OF COMMERCIAL BANKS
Commercial banks play an important economic role by accepting deposits and using those funds to issue loans. They generate profit from the difference between lower interest rates paid on deposits and higher interest charged on loans. While historically banks only dealt with businesses, they now provide various services to both individual consumers and businesses, including checking and savings accounts, loans, transaction processing, and more. Common types of banks include commercial banks, investment banks, central banks, and specialized banks like community or savings banks.
Banking
This document discusses the functions of commercial banks. It begins by defining a bank as a financial intermediary that takes deposits from savers and lends those funds to borrowers. It then describes the key functions of commercial banks, which include accepting deposits, lending loans, facilitating payments through checks, transferring funds, and providing various agency services. Commercial banks also engage in credit creation by lending out more money than they hold in deposits. The document outlines other services commercial banks provide and principles of sound banking, including maintaining adequate liquidity and expanding access. It concludes by explaining the role and functions of central banks, such as issuing currency, advising governments, overseeing commercial banks, and facilitating interbank clearing.
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Commercial banks
Commercial banks have several key objectives including mobilizing savings through various accounts, granting loans and advances, and providing treasury and payment services. They have advantages like numerous locations for accessibility, offering competitive prices on products and services, and providing a wide range of financial offerings. Canara Bank is a major public sector bank in India with over 5000 branches that offers various banking and financial services and has received several awards for its performance and initiatives.
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This document provides an overview of financial services including commercial banking services, investment banking services, brokerage services, and foreign exchange services. It discusses how commercial banks accept deposits, provide loans, and offer investment products. Investment banks assist with underwriting debt/equity and mergers and acquisitions. Brokerages facilitate buying and selling of securities. Foreign exchange services include currency exchange and wire transfers. The document also briefly outlines the World Bank, which provides loans to developing countries, and the International Monetary Fund, which aims to promote economic growth and reduce poverty.
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Commercialbank 180510162147
- 2. GROUP NO-08 We are discussing about “Commercial Banking”
- 3. Our Group Members Are… KAZI FAHIM SHAHRIYAR BIPRO DAS RABEYA TASNIM MD. MOMIN ALI LITON KUMAR PAUL SHEIKH TASNIM MUZAHID MD IBRAHIM SHEIKH IBRAHIM SHEIKH RIAZ AHMED IMRAN FAHIM RAMEEM HASAN RASEL FAKIR
- 4. Commercial Banking Commercial banking refers to products or services specifically designed for businesses. The main business of commercial bank is “deposit-taking” and “making-loans”
- 5. Function of commercial Banks ►Primary Functions of Commercial Banks A. Accepting Deposits B. Advancing Loan ►Secondary Functions of Commercial Banks A. Overdraft Facility B. Discounting Bill of Exchange
- 6. Service Rendered By Commercial Banks Agency Services ○Collection of Cheques, Dividends, and Interests etc. ○Payment of Subscription, Rent, and Insurance Premium ○Conduct of Stock ExchangeTransactions ○Acting as Executor,Trustees, and Attorneys etc. ○Conducting Foreign ExchangeTransactions
- 7. General utility Services ○Bankers Draft and Letter Credit ○Circular Notes ○Travellers Cheques ○Circular Cheques ○Safe Custody ofValuables ○Night Safes
- 8. Referee as to the Respectability and Financial status of the Customer Bank Giro Credit Cards Debit Cards ATM Cards Budget Accounts
- 9. Overseas Trading Services EFT Electronic Funds Transfer Trading goods and services over the sea
- 10. General Structure and Methods of Commercial Banking Certain Sound Commercial Principles Safety Profitability Marketability or Liquidity Purpose of the loan Diversification National policies
- 11. Employment of Funds by Commercial Banks • Cash in hand • Money at the call and short notice • Bills discount • Investment • Loan and advances
- 12. Mechanism of Credit Creation Liabilities $ Assets $ Deposits 100000 Cash in Hand 100000 Liabilities Assets Deposits (original) Deposits 10000 9000 Cash In Hand Loans to clients 10000 9000 19000 19000 Liabilities Assets Deposits (Original) Deposits (Deposited by Payees) Deposits (Credit Balance of Subsequent Borrowers) 10000 9000 8100 Cash In Hand Loans to clients 9000 8100 10000 17100 27100 27100
- 13. Limitation ofThe Credit Creation ∆ Amount of Cash ∆ Cash Reserve Ratio ∆ Leakages ∆ Business Condition ∆ Availability of Security ∆ Availability of Borrowers
- 14. Clearing House System Bank B Bank A Clearing House
- 15. System Of Banking Chain Banking A small group of individuals control three or more banks Group Banking Incentivizing a whole group of people to have a relationship with the banking institution
- 16. Unit Banking Banking operations are carried by a single branch in to a limited area Branch Banking Doing one's banking business at a location which separate from the bank's central business
- 17. Investment Banking and Mixed Banking Investment banking is a special segment of banking operation that helps individuals or organizations raise capital and provide financial consultancy services to them Investment Banking
- 18. The banking system that combines deposit banking with investment banking is known as Mixed banking Mixed Banking
- 19. Universal Banking Universal banking is a combination of Commercial banking, Investment banking, Development banking, Insurance and many other financial activities
- 20. Merchant Banking Merchant Banking is a combination of Banking and consultancy services. It provides consultancy to its clients for financial, marketing, managerial and legal matters
- 21. Virtual Banking Availing the banking services through an extensive use of information technology without any requirement for the physical walk-in premises is called as virtual banking
- 22. Green Banking Green Banking is defined as promoting eco-friendly banking practices and reducing emitted carbon mark from banking activities
- 23. Congratulation… !! You All’ve Known Our Information About Commercial Banking