This document provides an introduction to various banking products and services. It begins with definitions of banking and the key roles banks play in providing savings opportunities and supplying liquidity through lending. It then describes the different types of banks in India including central banks, public sector banks, private sector banks, and cooperative banks. The document outlines common banking products such as deposits, loans, letters of credit, and safe deposit boxes. It also discusses important banking functions including issuing banknotes, processing payments, and intermediating credit. Finally, it briefly touches on key aspects of bank marketing like market segmentation, pricing strategies, distribution channels, and the marketing mix.
It gives u a brief details about what is micro finance, how it works, y there is need for such institutions, the NGO's involved and the different types of MFI involved. the steps taken by India for micro finance.
Aguai Solutions Perspective on New Age Digital Lending. Leverage the power of Digital Infrastructures to offer a Convenient of Lending to the right consumers through right Digital 30 degree of Credit Risk scores
Bank Operations PowerPoint Presentation SlidesSlideTeam
This complete deck can be used to present to your team. It has PPT slides on various topics highlighting all the core areas of your business needs. This complete deck focuses on Bank Operations PowerPoint Presentation Slides and has professionally designed templates with suitable visuals and appropriate content. This deck consists of total of fourty nine slides. All the slides are completely customizable for your convenience. You can change the colour, text and font size of these templates. You can add or delete the content if needed. Get access to this professionally designed complete presentation by clicking the download button below. https://bit.ly/2WTGuIZ
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
It gives u a brief details about what is micro finance, how it works, y there is need for such institutions, the NGO's involved and the different types of MFI involved. the steps taken by India for micro finance.
Aguai Solutions Perspective on New Age Digital Lending. Leverage the power of Digital Infrastructures to offer a Convenient of Lending to the right consumers through right Digital 30 degree of Credit Risk scores
Bank Operations PowerPoint Presentation SlidesSlideTeam
This complete deck can be used to present to your team. It has PPT slides on various topics highlighting all the core areas of your business needs. This complete deck focuses on Bank Operations PowerPoint Presentation Slides and has professionally designed templates with suitable visuals and appropriate content. This deck consists of total of fourty nine slides. All the slides are completely customizable for your convenience. You can change the colour, text and font size of these templates. You can add or delete the content if needed. Get access to this professionally designed complete presentation by clicking the download button below. https://bit.ly/2WTGuIZ
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
This is a limited collection of family photos, mostly of Adrian. An initial attempt, this upload aims to test how Slideshare can be utilized for a variety of purposes.
The bank has introduced a new customer-centric business model and undertaken amendment on its organizational structure in order to provide effective service based on customer segment and demand. Its vision is amended as ‘’to become a world-class commercial bank financially driving Ethiopia’s future’’ and it is working to provide banking services tailored to the needs of its esteemed customers. The wholesale banking division, as one of the customers facing unit, is established to address banking needs of all individual and non-individual businesses, public and institutional customers. The new business model creates an opportunity to offer enhanced customer value proposition based on customer segmentation which in turn requires customized and differentiated product and services.
Thus, the bank has designed micro business saving and credit products will be availed through the bank’s credit operation process and mobile banking/Mobile Money solutions to deliver customer tailored products and services for underserved and un-served segment of the society. These segments of the society can create/provide multiple opportunities of the bank like improve customer base and wallet share of the bank, enhance financial inclusion and avail equal financial service for the society which ultimately build intact reputation in the heart of the societies, contribute the development of the country at large and enable to create a competitive advantage on MSL and digital financial technology area.
As therefore, the bank has designed appropriate micro business segment with proper CVP that can increase customer experience through provision of alternative products and customized pricing. Digital platform, mobile banking/money, will be the outreach channel to sell micro saving and credit products. On top of that, appropriate outreach strategies will be in placed to serve the disadvantaged units of the micro business segment.
Setting a planned customer acquisition strategy and manipulating a structured capacity building program for the target customers would be essential to identify challenges, gaps, and opportunities for financial inclusion and cooperation. Investing in a customer acquisition strategy is critical for a business to attract the right leads to our bank and increase chances of retaining them for the long term.
One of the strategic approach to promote our products and service is delivering capacity building and creating awareness for target group of the segment. This approach is expected and believed to recruit potential customer with effective and efficient way which result in expand customer base and generate resource from untapped niche market. Thus, it imperative to prepare capacity building and customer acquisition proposal to show the way how the bank will manage and handle the capacity building training, to plan the appropriate time and required resources to provide the training, to show concrete evidence and fact on the area of micro business for concer
This PPT gives the Introduction to the financial services, their strengths, weakness, opportunities as well as Trends in Banking & Financial Services.
This presentation also includes the Recent developments in the finance field and the strategies to manage demand and capacity within the Financial Service Industry. It also presents the information about the major types of financial services and 7Ps of the same.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. Banking
Basic Definition: A system of trading money
which:
provides a safe place to save excess cash,
known as deposits.
supplies liquidity to the economy by loaning
this money out to help businesses grow and
to allow consumers to purchase consumer
products, homes, cars etc.
3. Institutions which deal in money and credit.
An intermediary, which handles other
people’s money both for their advantage and
to its own profits.
A financial institution that links the flow of
funds from savers to the users.
Plays an important role in the economy of any
country as they hold the saving of the public.
4. • Central Bank: The Reserve Bank of India is the central
Bank that is fully owned by the Government
• Public Sector Banks: State Bank, Regional rural banks
• Private Sector Banks: Foreign Banks, Scheduled and
Non- Scheduled Banks
• Co-operative Sector: State Co-operative Banks, Central
Co-operative Banks, Primary Agriculture Credit Societies
• Development Banks/Financial Institutions: IDBI, SIDBI,
NABARD
5. Issue of banknotes (promissory notes issued by a
banker and payable to bearer on demand)
Processing of payments by way of telegraphic
transfer, internet banking or other means
Issuing bank drafts and bank cheques
Accepting money on term deposit
Lending money by way of overdraft, installment
loan or otherwise
6. Providing documentary and standby letters of credit (trade
finance), guarantees, performance bonds, securities
underwriting commitments and other forms of off-balance
sheet exposures
Safekeeping of documents and other items in safe deposit
boxes
Currency exchange
Acting as a 'financial supermarket' for the sale, distribution
or brokerage, with or without advice, of insurance, unit trusts
and similar financial products
7. Issue of money, in the form of banknotes and
current accounts subject to cheque or
payment at the customer's order.
Netting and settlement of payments.
Credit intermediation
Credit quality improvement
Maturity transformation
8. “ Bank marketing is the aggregate of functions,
directed at providing services to satisfy
customers financial (and other related) needs
and wants, more effectively and efficiently
than the competitors keeping in view the
organizational objectives of the bank.”
9. The existence of the bank has little value
without the existence of the customer.
Aim is not only to create and win more and
more customer but also to retain them
through effective customer service.
Appropriate promise to a customer through a
range of services (products) and also to
ensure effective delivery through satisfaction
is important.
10. Identifying the most profitable markets now
and in future;
Assessing the present and future needs of
customers;
Setting business development goals and
making plans to meet them
Managing the various services and
promoting them to achieve the plans
Adapting to a changing environment in the
market place.
11. Designed after taking into account the strengths
and weaknesses of the organization.
bank with clientele from various segments could
think of “market penetration” by offering the
existing range of services to existing customers.
Bank which are not facing acute competition could
think of “Market Development” by offering the
existing services to new customers.
design new product range for their customers of
various segments
12. Banks deal with individuals, group of persons
and corporate
More or less homogenous groups in terms of
their needs and expectations.
Market segments, targeting one or more
segments, developing products and
marketing programs tailor-made for these
segments.
14. Services Sector
Household Sector
1. Marginal
2. Low Income
3. Middle Income
4. High Income
15. Market Targeting in which each segment’s
attractiveness is measured and a target
segment is chosen based on its
attractiveness.
Positioning which is the act of establishing a
viable competitive position of the firm and its
offer in the target segment chosen.
16.
17. consists of usual four ‘Ps’ of Product, Price,
Place and Promotion of marketing mix
Product: The products offered are the
services which includes various types of bank
accounts, different types of loans,
investment services, Credit cards, Demat
accounts, online banking, mobile banking
and many more.
18.
19. Buyers look for satisfaction which differs
from person to person.
Keeping in view the level of satisfaction of a
particular segment, the banks have to frame
the pricing strategies.
The interest charged and the interest paid
should have a co-relation between them.
20.
21. It refers to the establishment and functioning of a
network of branches and other offices through
which banking services are delivered.
Objective is to get the right product ,at right places
at right time at the least cost.
Extensive branch network- access to large section of
people
Proximity may play a determinant role in selecting
the bank.
22. Banks are coming up with extension counters,
specialized branches, mobile branches, banks
acquisition and amalgamation so as to have
sufficient point of contacts with the customer.
With the advent of technology other point of
contacts have come up. Such as:
ATM
Telephone banking
Online banking
Mobile banking
Video banking etc.
23. Advertising
Publicity
Sales Promotion
Personal Selling
Push and Pull Strategies
24. It involves the people(5th P) of the bank i.e.
the employees.
Employees should also be treated as internal
customers, and sort of marketing mix should
be followed.
Quality Human resource can be a point of
differentiation
25. The quality of service provided during the
buyer-employee interaction.
Efforts for previous strategies will turn futile
if the interaction does not takes place
satisfactorily.
It involves :
Process (6th P)
Physical evidence (7th P)
26. Refers to the systems used to assist the
organization in delivering the service.
Aids to the promotion of customer
satisfaction
It involves:
speeding delivery of services
reducing the paper work
standardization of procedures
customization as per individual demand
simplicity etc.
27. It includes signage, reports, punch lines, other tangibles,
employee’s dress code etc.
The company’s financial reports are issued to the
customers to emphasis or credibility.
Signage: Each and every bank has its logo by which a
person can identify the company. It creates visualization
and corporate identity for the banks.
Tangibles: banks give pens, writing pads to the customers.
Punch lines: Depicts the philosophy and attitude of the
bank. Banks have influential punch lines to attract the
customers.
28. Referral services
Direct mailing
Cold calling
Offering items having your brand identity
Using the media
Getting celebrities to endorse the product or service.
Sponsoring events
Using permission-based Marketing
29. Recommendation of Talwar’s committee,1975:
Establishment of customer service committee/staff
committee in the every branch.
Customer meets to be held at the branches at least
once in a half year.
15th of every month (next day if 15th is a holiday) to
be observed as customer’s day at branches and
administrative offices.
Provision of complaint-cum-suggestion box in every
branch.
30. Provision of ‘May I help you’ counter in
branches.
Immediate credit of cheques up to Rs.2,500
which has since been increased to Rs.15,000.
Payment of penal interest in case of delay of
collection of cheques.
In the year 1995 ‘Banking Ombudsman’ was
established by RBI with objective of resolving
customer grievances in a quick and inexpensive
manner.
31. Bankers need to understand the rural
psychology
Employing local literate youth for confidence
building
Banker must be aware of agriculture aspects,
cultural and communal aspects, institutional
facilities etc.
Process of change should be known to him
Status of various development plans should be
known
32. R:Retail Business for Rural Community As
(Consumer & Producer)
U: Urban facilities, Investment, Infrastructure
R: Animal Husbandry & Allied Activities
A: Agri Production(Field Crops, Plantation)
L: Linkages & Synergy
33. Horticulture, Plantation, Vegetable growing,
Floriculture, aromatic and medicinal plants,
Bio-diesel plants etc. for high investment
Opportunities
Post Harvest and Food Processing
Seed Multiplication & Processing
Dairy Farming, Sericulture, Aqua-Culture &
Others.
Irrigation Projects & Wasteland
Developments.
Rural Tourism & Other emerging areas.
34.
35. Industrial Credit and Investment
corporation of India bank - largest private
sector bank in market capitalization
Second largest overall in terms of assets.
largest issuer of credit cards in India
36. Product :
Saving account: offers a power packed
Savings Account with a host of convenient
features and banking channels to transact
through.
Senior citizen services: convenience with
benefits
Fixed Deposits : Safety, Flexibility, Liquidity
and Returns
37. Recurring Deposits: Affordability and higher earnings.
Roaming Current: access your accounts at over 500
networked branches across the country.
Loans: Home Loans. Personal Loans. Car Loans, two
Wheeler Loans, Commercial Vehicle Loans. Loans against
Securities, educational loans etc
Investments: ICICI Bank Tax Saving ,Foreign Exchange
Services, Senior Citizens Savings Scheme, 2004.
Cards: Credit card, ATM card, travelers card
Demat services
Online money transfer
Mobile banking
38. Pricing
1. Pricing Decisions related to interest, fee or
commission.
2. RBI and IBA
3. Raising Number of Customers
39. Place
1. Services are sold through branches
2. Making Promised Services available to the
ultimate users.
3. Branches OF ICICI:
1900 in India and 33 in Mumbai.
40. Promotion
1. Advertising - Television, radio, movies, theatres
2. Print Media- Hoardings, newspaper, magazines
3. Publicity- Road shows, campus visits, sandwich man,
Sponsorship
4. Sales Promotion- Gifts, discount and commission,
incentives, etc.
5. Personal Selling- Cross-sale (selling at competitors place),
personalized service
6. Telemarketing- ICICI one source Call center (mind space)
41. Process
1. Standardization- ICICI bank has got standardized
procedures got typical transactions
2. Customization- Specialty counters at each branch to deal
with customers of a particular scheme
3. Simplicity- Separate counters exist with clear indication
4. Customer Involvement- Money matters and signature
42. Physical Evidence
1. Signage
2. Financial Reports- The Company’s financial reports are issued to
the customers to emphasis or credibility
3. Tangibles- Pens, Writing Pads to the internal customers.
Passbook and Cheque books to the customers.
4. Punch lines- “Hum Hai Naa”
5. Employee’s Dress Code- ICICI bank follows a dress code for their
internal customers
43. People
1. All people directly or indirectly involved in the
consumption of banking services.
2. Workers, Employees, Management and other
Consumers
3. Employees of a Bank represents the organization
to its customers.
4. Internal Marketing