overview of financial system and banking system in
,
financial system in bangladesh
,
role of bank
,
sources of income of banks
,
principles of commercial bank
,
function of banks
The Bangladesh Bank was established on December 16, 1972 as the central bank of Bangladesh. It was previously known as the State Bank of Pakistan. The Bangladesh Bank is governed by the Bangladesh Bank Order of 1972 and is responsible for regulating the country's currency, monetary policy, and financial system. It oversees various offices across Bangladesh and its objectives include maintaining domestic monetary value, currency value, employment, and economic growth.
This document discusses the functions of the financial market in Bangladesh. It notes that the market consists of banks, including 4 state-owned commercial banks, 30 private commercial banks, and 9 foreign commercial banks. It also includes 29 non-banking financial institutions. The non-bank financial institutions have a total paid up capital and reserve of over 5,098 crore Taka as of June 2014. The financial market also includes a debt market, equity market, primary market, secondary market, money market, and capital market. It discusses various financial intermediaries that operate in the market like insurance companies, investment companies, stock exchanges, and asset management firms.
Financial System and Banking Sector of BangladeshRabiul Islam
This document is a presentation by Group 4 on the financial system and banking sector of Bangladesh. It introduces the 5 members and their topics which include the financial system, banking sector, Bangladesh Bank, banking acts, and the top 5 profit earning and non-performing loan holding banks. It provides background on the establishment of Bangladesh Bank and its organizational structure. It also lists the types and numbers of banks in Bangladesh.
The Bangladesh Bank is the central bank of Bangladesh, established in 1971 in Dhaka. It formulates monetary policy, regulates banks and foreign exchange, issues currency, and maintains the country's foreign reserves. In 2016, hackers stole $101 million from Bangladesh Bank's account at the Federal Reserve Bank of New York by issuing fraudulent SWIFT payment instructions.
RESERVE BANK OF INDIA AND ITS FUNCTIONS BY P. SAI PRATHYUSHASaiLakshmi115
The Reserve Bank of India (RBI) is the central bank of India, established in 1935. It has several objectives such as regulating the issue of banknotes and maintaining monetary stability in India. RBI has a governor and deputy governors that oversee its organizational structure. Its key functions include financial supervision of banks and non-banking institutions, regulating the financial system, facilitating payments and settlements, managing government finances and foreign exchange, issuing currency, acting as a bank for banks and controlling credit in the economy. In conclusion, RBI plays a vital role in supporting India's economy through its diverse responsibilities and operations.
Roles & functions of various types of banksAbhishek Rane
This document outlines the roles and functions of various types of banks in India. It discusses commercial banks that accept deposits and provide loans and financial services. It notes that commercial banks can be public sector banks that are majority government owned or private sector banks that are privately owned. It also describes regional rural banks that provide credit to small farmers and laborers, cooperative banks that finance rural development, and the central bank that issues currency, regulates foreign exchange, and develops the financial system.
Functions of Bangladesh Bank. Term paper prepared for course F-209: Law and Practice of Banking under BBA program of Department of Finance, Faculty of Business Studies, University of Dhaka.
This document discusses non-banking financial institutions (NBFIs) in Bangladesh. It defines NBFIs as financial institutions that do not have a full banking license and cannot accept deposits from the public. It then lists 17 examples of NBFIs in Bangladesh and 7 examples of other types of NBFIs globally. Finally, it states that NBFIs in Bangladesh are regulated by the Department of Financial Institutions and Markets and that NBFIs play an important role as intermediaries between savers and investors.
The Bangladesh Bank was established on December 16, 1972 as the central bank of Bangladesh. It was previously known as the State Bank of Pakistan. The Bangladesh Bank is governed by the Bangladesh Bank Order of 1972 and is responsible for regulating the country's currency, monetary policy, and financial system. It oversees various offices across Bangladesh and its objectives include maintaining domestic monetary value, currency value, employment, and economic growth.
This document discusses the functions of the financial market in Bangladesh. It notes that the market consists of banks, including 4 state-owned commercial banks, 30 private commercial banks, and 9 foreign commercial banks. It also includes 29 non-banking financial institutions. The non-bank financial institutions have a total paid up capital and reserve of over 5,098 crore Taka as of June 2014. The financial market also includes a debt market, equity market, primary market, secondary market, money market, and capital market. It discusses various financial intermediaries that operate in the market like insurance companies, investment companies, stock exchanges, and asset management firms.
Financial System and Banking Sector of BangladeshRabiul Islam
This document is a presentation by Group 4 on the financial system and banking sector of Bangladesh. It introduces the 5 members and their topics which include the financial system, banking sector, Bangladesh Bank, banking acts, and the top 5 profit earning and non-performing loan holding banks. It provides background on the establishment of Bangladesh Bank and its organizational structure. It also lists the types and numbers of banks in Bangladesh.
The Bangladesh Bank is the central bank of Bangladesh, established in 1971 in Dhaka. It formulates monetary policy, regulates banks and foreign exchange, issues currency, and maintains the country's foreign reserves. In 2016, hackers stole $101 million from Bangladesh Bank's account at the Federal Reserve Bank of New York by issuing fraudulent SWIFT payment instructions.
RESERVE BANK OF INDIA AND ITS FUNCTIONS BY P. SAI PRATHYUSHASaiLakshmi115
The Reserve Bank of India (RBI) is the central bank of India, established in 1935. It has several objectives such as regulating the issue of banknotes and maintaining monetary stability in India. RBI has a governor and deputy governors that oversee its organizational structure. Its key functions include financial supervision of banks and non-banking institutions, regulating the financial system, facilitating payments and settlements, managing government finances and foreign exchange, issuing currency, acting as a bank for banks and controlling credit in the economy. In conclusion, RBI plays a vital role in supporting India's economy through its diverse responsibilities and operations.
Roles & functions of various types of banksAbhishek Rane
This document outlines the roles and functions of various types of banks in India. It discusses commercial banks that accept deposits and provide loans and financial services. It notes that commercial banks can be public sector banks that are majority government owned or private sector banks that are privately owned. It also describes regional rural banks that provide credit to small farmers and laborers, cooperative banks that finance rural development, and the central bank that issues currency, regulates foreign exchange, and develops the financial system.
Functions of Bangladesh Bank. Term paper prepared for course F-209: Law and Practice of Banking under BBA program of Department of Finance, Faculty of Business Studies, University of Dhaka.
This document discusses non-banking financial institutions (NBFIs) in Bangladesh. It defines NBFIs as financial institutions that do not have a full banking license and cannot accept deposits from the public. It then lists 17 examples of NBFIs in Bangladesh and 7 examples of other types of NBFIs globally. Finally, it states that NBFIs in Bangladesh are regulated by the Department of Financial Institutions and Markets and that NBFIs play an important role as intermediaries between savers and investors.
The document summarizes the functions of the central bank of India, the Reserve Bank of India (RBI). The RBI was established in 1935 and nationalized after independence. Its key functions include issuing currency, acting as the government's banker and debt manager, being the banker to commercial banks, and using credit control tools to influence monetary policy goals like price stability. The RBI also performs promotional functions like developing the financial system and agriculture/industrial sectors. It supervises the banking system through activities like licensing banks and inspecting them. The document also briefly discusses the repo and reverse repo rates used as monetary policy tools.
The document provides an overview of Bangladesh Bank, the central bank of Bangladesh. It was established in 1971 and has a head office in Motijheel with ten other offices. The vision is poverty eradication and the mission includes formulating monetary policy, maintaining price stability, managing currency and foreign exchange, and regulating the financial system. Key functions of Bangladesh Bank include monetary and credit policy, regulation of banks and non-banks, developing domestic markets, managing reserves, issuing currency, acting as the government's banker, and implementing foreign exchange regulation. Credit control methods include the bank rate, open market operations, and reserve requirements. Recent achievements include remaining unharmed in the global crisis and maintaining inflation and growth.
This document provides information about the functions and roles of a central bank. It discusses how the first central bank, the Bank of England, was established in 1694. A central bank is responsible for a country's financial and economic stability by regulating other banks and formulating monetary policies. It acts as both the government's bank, by managing public debt and foreign exchange, and as the banker's bank by providing services to commercial banks. The document also outlines different methods that central banks use to issue currency, such as minimum reserve, fixed fiduciary, and proportional reserve systems.
The Reserve Bank of India was established in 1935 according to the Reserve Bank of India Act of 1934. It is headquartered in Mumbai and is fully owned by the Government of India. Urjit Patel is the current governor. The RBI's key functions include formulating monetary policy, regulating banks, managing foreign exchange, acting as a banker and lender of last resort to the government and commercial banks, and issuing currency. It oversees financial supervision through various departments and has regional offices across India.
This document provides information about banks and banking in India. It begins by defining what a bank is, including definitions from the Banking Regulation Act of 1949. It describes the key functions of banks as accepting deposits from the public and using those deposits for lending and investment purposes. The document then discusses different types of banks such as scheduled and non-scheduled banks, public sector banks, private sector banks, foreign banks operating in India, and cooperative banks. It also covers the structure of the Indian banking system including the Reserve Bank of India and its roles and objectives.
Development banks in India play an important role in promoting social and economic development by providing loans and technical support. Key development banks discussed include the Industrial Finance Corporation of India (IFCI), Industrial Development Bank of India (IDBI), and Industrial Credit and Investment Corporation of India (ICICI). These banks aim to lay foundations for industrialization, meet capital needs, promote small and medium sectors, and fill financial gaps. They provide various types of financing including loans, equity investments, refinancing, and credit guarantees.
Overview of Financial System in Bangladesh
Introduction: A financial system is a system that to channels funds from lenders to borrowers, to create liquidity and money, to provide a payments mechanism, to provide financial services such as insurance and pensions and to offers portfolio adjustment facilities. A developed financial system is one that has a secure and efficient payment system, security market and financial intermediaries that arrange financing and derivative markets and financial institutions that provide access to risk management instruments. The present structure of the financial system in Bangladesh comprises of various types of banks, insurance companies, and non-bank financial institutions. Bangladesh Bank is at the top of the banking system and is accountable for assuring prudential administration and central banking activities for all types of banks operating within the banking industry. On the other hand, the Securities and Exchange Commission (SEC) of Bangladesh is the regulatory body for stock-market related activities.
The financial system of Bangladesh is comprised of three broad fragmented sectors: 1) Formal Sector, 2) Semi-Formal Sector, 3 ) Informal Sector.
The sectors have been categorized in accordance with their degree of regulation. The formal sector includes all regulated institutions like Banks, Non-Bank Financial Institutions (FIs), Insurance Companies, Capital Market Intermediaries like Brokerage Houses, Merchant Banks etc.; Micro Finance Institutions (MFIs). The semi formal sector includes those institutions which are regulated otherwise but do not fall under the legal system/ legislation of Central Bank, Insurance Authority, Securities and Exchange Commission or any other enacted financial regulator. This sector is mainly represented by Specialized Financial Institutions like House Building Finance Corporation (HBFC), Palli Karma Sahayak Foundation (PKSF), Samabay Bank, Grameen Bank etc., Non Governmental Organizations. The informal sector includes private intermediaries which are completely unregulated.
The financial market in Bangladesh is mainly of following types:
Money Market:
The primary money market is comprised of banks, FIs and primary dealers as intermediaries and savings & lending instruments, treasury bills as instruments. There are currently 15 primary dealers (12 banks and 3 FIs) in Bangladesh. The only active secondary market is overnight call money market which is participated by the scheduled banks and FIs. The money market in Bangladesh is regulated by Bangladesh Bank (BB), the Central Bank of Bangladesh.
Capital market:
The primary segment of capital market is operated through private and public offering of equity and bond instruments. The secondary segment of capital market is institutionalized by two (02) stock exchanges-Dhaka Stock Exchange and Chittagong Stock Exchange. The instruments in these exchanges are equity securities (shares), debentures, corporate bonds and
The financial system of Bangladesh consists of formal, semi-formal, and informal sectors. The formal sector includes regulated institutions like banks, non-bank financial institutions, insurance companies, and microfinance institutions. The semi-formal sector includes specialized financial institutions like the House Building Finance Corporation that are regulated but fall outside central authorities. The informal sector comprises private intermediaries that are completely unregulated. The key regulators of the financial system include the Bangladesh Bank (central bank), Insurance Development and Regulatory Authority, Securities and Exchange Commission, and Microcredit Regulatory Authority. Banks in Bangladesh are categorized as scheduled or non-scheduled and include state-owned commercial banks, specialized banks, private commercial banks, and foreign commercial banks.
This document discusses the definition and functions of banks. It defines banks as financial institutions that accept deposits and provide loans. Banks perform important functions like safeguarding deposits, facilitating lending and the money supply, and providing payment and other financial services. The document outlines the history and development of banking in India and describes the different types of banks in India including commercial banks, central banks, public sector banks, and private sector banks.
This document provides an overview of the banking system and monetary policy in India. It discusses the structure of the banking system including the roles of the Reserve Bank of India, scheduled banks, cooperative banks, and commercial banks. It also lists the major public sector and private sector banks. The document then explains the functions and instruments of monetary policy used by the RBI, including open market operations, bank rate, cash reserve ratio, and statutory liquidity ratio. Finally, it briefly discusses fiscal policy and compares the key differences between fiscal and monetary policy.
Financial System and Banking Sector of BangladeshRabiul Islam
The document provides an overview of the financial system and banking sector of Bangladesh. It discusses the three sectors of the financial system - formal, semi-formal and informal. It then focuses on the banking sector, describing the various types of banks in Bangladesh such as state-owned commercial banks, private commercial banks, Islamic banks, and foreign commercial banks. It also outlines some of the challenges faced by the banking sector as well as the regulatory authorities and guidelines that govern banks in Bangladesh. In conclusion, the document gives a brief summary of key aspects of Bangladesh's financial landscape.
The document provides an overview of the Bank for International Settlement (BIS), including that it was established in 1930 as the oldest international financial organization and serves central banks by promoting monetary and financial stability. It describes the BIS's roles such as facilitating collaboration among central banks, conducting research, and providing statistics on international banking, securities, derivatives markets, and other areas of global finance. Key resources on the BIS website are highlighted for researching international monetary issues.
The document discusses financial regulation and why it is important, focusing on regulations for banks. It addresses eight categories of banking regulations: (1) government safety nets like FDIC insurance that aim to protect depositors but can encourage moral hazard; (2) restrictions on asset holdings and capital requirements to reduce risk; (3) bank supervision through chartering and examinations; (4) assessing risk management; (5) disclosure requirements to provide transparency; (6) consumer protections; (7) restrictions on competition (now eliminated); and (8) lessons from the 1980s financial crisis when deregulation increased risks. While regulations aim to promote stability, they also sometimes introduce new problems or are insufficient to prevent crises.
Indian banking originated in the 18th century with the establishment of the General Bank of India. Key events in Indian banking history include the founding of the State Bank of India in 1806 and the nationalization of the Reserve Bank of India in 1947. Banks act as intermediaries between savers and borrowers, accepting deposits and lending money. The basic principles of banking include trust, liquidity, solvency, profitability, and intermediation. Banks play an important role in a country's economic development by facilitating capital formation, investment, employment generation, and implementing monetary policy.
Banking originated in India in the early 1700s with the establishment of the Bank of Bombay in 1720 and the Bank of Hindustan in 1770. The first 'Presidency bank' was the Bank of Bengal, established in 1806. Over subsequent decades, the Bank of Bombay and Bank of Madras were also established as Presidency banks. In the early 20th century, the Imperial Bank of India was formed through the amalgamation of the Presidency banks. The Reserve Bank of India was established in 1935 to regulate the banking sector. After independence in 1947, the State Bank of India was nationalized. Further nationalization occurred in 1969 with 14 major private banks being taken over by the government.
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
This document appears to be a presentation discussing alternative credit control tools used by the Bangladesh Bank (BB). It includes:
1) An introduction to the group members giving their names and roll numbers.
2) Definitions of credit and credit control, noting that credit control tools help the central bank carry out monetary policy.
3) Tables and diagrams showing the various quantitative and qualitative credit control mechanisms used by BB, including reserve requirements, open market operations, and moral suasion.
4) An example of how changes in the bank rate impact other interest rates and the overall cost and supply of credit.
The document provides an overview of the Reserve Bank of India (RBI), which serves as India's central bank. It was established in 1935 and nationalized in 1949. The RBI regulates monetary policy, manages currency and credit systems, acts as a bank for the government and commercial banks, and oversees economic development goals. It carries out traditional central banking functions like currency issuance as well as promotional and supervisory roles. The RBI is governed by a central board and has a headquarters in Mumbai.
The Reserve Bank of India (RBI) is the central bank of India. It was established in 1935 and is headquartered in Mumbai. RBI plays an important role in monetary policy, issuing currency, managing government debt, acting as a bank to banks, managing foreign exchange reserves, and promoting development institutions. It has 22 branch offices across India and is currently governed by a central board of directors.
This document provides an overview of different types of financial institutions. It discusses banking institutions like central banks, commercial banks, rural banks, and Islamic banks. Central banks regulate monetary policy and the money supply. They act as banks for other banks. Commercial banks mobilize funds through deposits and channel them through loans. Rural banks operate locally without full banking services. Islamic banks adhere to Sharia principles and profit/loss sharing. The document also covers non-banking financial institutions and investment banks that facilitate complex financial transactions.
Commercial banks play an important role in economic development by mobilizing savings, financing different sectors, and implementing monetary policy. They accept deposits and provide loans to individuals, businesses, and sectors like industry, trade, agriculture, and consumers. Banks offer various deposit accounts and loan products. They also perform agency functions and provide other services like foreign exchange, bill discounting, and underwriting. In developing countries specifically, banks help channel savings into productive investments, finance key sectors, and raise living standards by expanding access to credit.
The document summarizes the functions of the central bank of India, the Reserve Bank of India (RBI). The RBI was established in 1935 and nationalized after independence. Its key functions include issuing currency, acting as the government's banker and debt manager, being the banker to commercial banks, and using credit control tools to influence monetary policy goals like price stability. The RBI also performs promotional functions like developing the financial system and agriculture/industrial sectors. It supervises the banking system through activities like licensing banks and inspecting them. The document also briefly discusses the repo and reverse repo rates used as monetary policy tools.
The document provides an overview of Bangladesh Bank, the central bank of Bangladesh. It was established in 1971 and has a head office in Motijheel with ten other offices. The vision is poverty eradication and the mission includes formulating monetary policy, maintaining price stability, managing currency and foreign exchange, and regulating the financial system. Key functions of Bangladesh Bank include monetary and credit policy, regulation of banks and non-banks, developing domestic markets, managing reserves, issuing currency, acting as the government's banker, and implementing foreign exchange regulation. Credit control methods include the bank rate, open market operations, and reserve requirements. Recent achievements include remaining unharmed in the global crisis and maintaining inflation and growth.
This document provides information about the functions and roles of a central bank. It discusses how the first central bank, the Bank of England, was established in 1694. A central bank is responsible for a country's financial and economic stability by regulating other banks and formulating monetary policies. It acts as both the government's bank, by managing public debt and foreign exchange, and as the banker's bank by providing services to commercial banks. The document also outlines different methods that central banks use to issue currency, such as minimum reserve, fixed fiduciary, and proportional reserve systems.
The Reserve Bank of India was established in 1935 according to the Reserve Bank of India Act of 1934. It is headquartered in Mumbai and is fully owned by the Government of India. Urjit Patel is the current governor. The RBI's key functions include formulating monetary policy, regulating banks, managing foreign exchange, acting as a banker and lender of last resort to the government and commercial banks, and issuing currency. It oversees financial supervision through various departments and has regional offices across India.
This document provides information about banks and banking in India. It begins by defining what a bank is, including definitions from the Banking Regulation Act of 1949. It describes the key functions of banks as accepting deposits from the public and using those deposits for lending and investment purposes. The document then discusses different types of banks such as scheduled and non-scheduled banks, public sector banks, private sector banks, foreign banks operating in India, and cooperative banks. It also covers the structure of the Indian banking system including the Reserve Bank of India and its roles and objectives.
Development banks in India play an important role in promoting social and economic development by providing loans and technical support. Key development banks discussed include the Industrial Finance Corporation of India (IFCI), Industrial Development Bank of India (IDBI), and Industrial Credit and Investment Corporation of India (ICICI). These banks aim to lay foundations for industrialization, meet capital needs, promote small and medium sectors, and fill financial gaps. They provide various types of financing including loans, equity investments, refinancing, and credit guarantees.
Overview of Financial System in Bangladesh
Introduction: A financial system is a system that to channels funds from lenders to borrowers, to create liquidity and money, to provide a payments mechanism, to provide financial services such as insurance and pensions and to offers portfolio adjustment facilities. A developed financial system is one that has a secure and efficient payment system, security market and financial intermediaries that arrange financing and derivative markets and financial institutions that provide access to risk management instruments. The present structure of the financial system in Bangladesh comprises of various types of banks, insurance companies, and non-bank financial institutions. Bangladesh Bank is at the top of the banking system and is accountable for assuring prudential administration and central banking activities for all types of banks operating within the banking industry. On the other hand, the Securities and Exchange Commission (SEC) of Bangladesh is the regulatory body for stock-market related activities.
The financial system of Bangladesh is comprised of three broad fragmented sectors: 1) Formal Sector, 2) Semi-Formal Sector, 3 ) Informal Sector.
The sectors have been categorized in accordance with their degree of regulation. The formal sector includes all regulated institutions like Banks, Non-Bank Financial Institutions (FIs), Insurance Companies, Capital Market Intermediaries like Brokerage Houses, Merchant Banks etc.; Micro Finance Institutions (MFIs). The semi formal sector includes those institutions which are regulated otherwise but do not fall under the legal system/ legislation of Central Bank, Insurance Authority, Securities and Exchange Commission or any other enacted financial regulator. This sector is mainly represented by Specialized Financial Institutions like House Building Finance Corporation (HBFC), Palli Karma Sahayak Foundation (PKSF), Samabay Bank, Grameen Bank etc., Non Governmental Organizations. The informal sector includes private intermediaries which are completely unregulated.
The financial market in Bangladesh is mainly of following types:
Money Market:
The primary money market is comprised of banks, FIs and primary dealers as intermediaries and savings & lending instruments, treasury bills as instruments. There are currently 15 primary dealers (12 banks and 3 FIs) in Bangladesh. The only active secondary market is overnight call money market which is participated by the scheduled banks and FIs. The money market in Bangladesh is regulated by Bangladesh Bank (BB), the Central Bank of Bangladesh.
Capital market:
The primary segment of capital market is operated through private and public offering of equity and bond instruments. The secondary segment of capital market is institutionalized by two (02) stock exchanges-Dhaka Stock Exchange and Chittagong Stock Exchange. The instruments in these exchanges are equity securities (shares), debentures, corporate bonds and
The financial system of Bangladesh consists of formal, semi-formal, and informal sectors. The formal sector includes regulated institutions like banks, non-bank financial institutions, insurance companies, and microfinance institutions. The semi-formal sector includes specialized financial institutions like the House Building Finance Corporation that are regulated but fall outside central authorities. The informal sector comprises private intermediaries that are completely unregulated. The key regulators of the financial system include the Bangladesh Bank (central bank), Insurance Development and Regulatory Authority, Securities and Exchange Commission, and Microcredit Regulatory Authority. Banks in Bangladesh are categorized as scheduled or non-scheduled and include state-owned commercial banks, specialized banks, private commercial banks, and foreign commercial banks.
This document discusses the definition and functions of banks. It defines banks as financial institutions that accept deposits and provide loans. Banks perform important functions like safeguarding deposits, facilitating lending and the money supply, and providing payment and other financial services. The document outlines the history and development of banking in India and describes the different types of banks in India including commercial banks, central banks, public sector banks, and private sector banks.
This document provides an overview of the banking system and monetary policy in India. It discusses the structure of the banking system including the roles of the Reserve Bank of India, scheduled banks, cooperative banks, and commercial banks. It also lists the major public sector and private sector banks. The document then explains the functions and instruments of monetary policy used by the RBI, including open market operations, bank rate, cash reserve ratio, and statutory liquidity ratio. Finally, it briefly discusses fiscal policy and compares the key differences between fiscal and monetary policy.
Financial System and Banking Sector of BangladeshRabiul Islam
The document provides an overview of the financial system and banking sector of Bangladesh. It discusses the three sectors of the financial system - formal, semi-formal and informal. It then focuses on the banking sector, describing the various types of banks in Bangladesh such as state-owned commercial banks, private commercial banks, Islamic banks, and foreign commercial banks. It also outlines some of the challenges faced by the banking sector as well as the regulatory authorities and guidelines that govern banks in Bangladesh. In conclusion, the document gives a brief summary of key aspects of Bangladesh's financial landscape.
The document provides an overview of the Bank for International Settlement (BIS), including that it was established in 1930 as the oldest international financial organization and serves central banks by promoting monetary and financial stability. It describes the BIS's roles such as facilitating collaboration among central banks, conducting research, and providing statistics on international banking, securities, derivatives markets, and other areas of global finance. Key resources on the BIS website are highlighted for researching international monetary issues.
The document discusses financial regulation and why it is important, focusing on regulations for banks. It addresses eight categories of banking regulations: (1) government safety nets like FDIC insurance that aim to protect depositors but can encourage moral hazard; (2) restrictions on asset holdings and capital requirements to reduce risk; (3) bank supervision through chartering and examinations; (4) assessing risk management; (5) disclosure requirements to provide transparency; (6) consumer protections; (7) restrictions on competition (now eliminated); and (8) lessons from the 1980s financial crisis when deregulation increased risks. While regulations aim to promote stability, they also sometimes introduce new problems or are insufficient to prevent crises.
Indian banking originated in the 18th century with the establishment of the General Bank of India. Key events in Indian banking history include the founding of the State Bank of India in 1806 and the nationalization of the Reserve Bank of India in 1947. Banks act as intermediaries between savers and borrowers, accepting deposits and lending money. The basic principles of banking include trust, liquidity, solvency, profitability, and intermediation. Banks play an important role in a country's economic development by facilitating capital formation, investment, employment generation, and implementing monetary policy.
Banking originated in India in the early 1700s with the establishment of the Bank of Bombay in 1720 and the Bank of Hindustan in 1770. The first 'Presidency bank' was the Bank of Bengal, established in 1806. Over subsequent decades, the Bank of Bombay and Bank of Madras were also established as Presidency banks. In the early 20th century, the Imperial Bank of India was formed through the amalgamation of the Presidency banks. The Reserve Bank of India was established in 1935 to regulate the banking sector. After independence in 1947, the State Bank of India was nationalized. Further nationalization occurred in 1969 with 14 major private banks being taken over by the government.
The document discusses the functions and roles of commercial banks, including defining banks and describing their primary functions of accepting deposits and lending money. It also covers commercial banks' sources of funds such as deposit accounts, borrowed funds, and long-term sources, as well as their uses of funds like cash, loans, securities investments, and fixed assets.
This document appears to be a presentation discussing alternative credit control tools used by the Bangladesh Bank (BB). It includes:
1) An introduction to the group members giving their names and roll numbers.
2) Definitions of credit and credit control, noting that credit control tools help the central bank carry out monetary policy.
3) Tables and diagrams showing the various quantitative and qualitative credit control mechanisms used by BB, including reserve requirements, open market operations, and moral suasion.
4) An example of how changes in the bank rate impact other interest rates and the overall cost and supply of credit.
The document provides an overview of the Reserve Bank of India (RBI), which serves as India's central bank. It was established in 1935 and nationalized in 1949. The RBI regulates monetary policy, manages currency and credit systems, acts as a bank for the government and commercial banks, and oversees economic development goals. It carries out traditional central banking functions like currency issuance as well as promotional and supervisory roles. The RBI is governed by a central board and has a headquarters in Mumbai.
The Reserve Bank of India (RBI) is the central bank of India. It was established in 1935 and is headquartered in Mumbai. RBI plays an important role in monetary policy, issuing currency, managing government debt, acting as a bank to banks, managing foreign exchange reserves, and promoting development institutions. It has 22 branch offices across India and is currently governed by a central board of directors.
This document provides an overview of different types of financial institutions. It discusses banking institutions like central banks, commercial banks, rural banks, and Islamic banks. Central banks regulate monetary policy and the money supply. They act as banks for other banks. Commercial banks mobilize funds through deposits and channel them through loans. Rural banks operate locally without full banking services. Islamic banks adhere to Sharia principles and profit/loss sharing. The document also covers non-banking financial institutions and investment banks that facilitate complex financial transactions.
Commercial banks play an important role in economic development by mobilizing savings, financing different sectors, and implementing monetary policy. They accept deposits and provide loans to individuals, businesses, and sectors like industry, trade, agriculture, and consumers. Banks offer various deposit accounts and loan products. They also perform agency functions and provide other services like foreign exchange, bill discounting, and underwriting. In developing countries specifically, banks help channel savings into productive investments, finance key sectors, and raise living standards by expanding access to credit.
The document provides an overview of the Indian banking system. It discusses the structure of the system, which includes the Reserve Bank of India (central bank), scheduled commercial banks (public sector banks, private sector banks, foreign banks, regional rural banks, cooperative banks), and their roles. It also summarizes the primary functions of banks, which are accepting various types of deposits from the public and granting loans and advances. Secondary functions of banks include performing agency functions like funds transfer and collection services, as well as general utility functions.
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.
Commercial banks are financial intermediaries that accept deposits and make loans. A central bank, such as the Reserve Bank of India, regulates commercial banks and implements monetary policy. It controls the money supply through tools like bank rate, open market operations, cash reserve ratio, and statutory liquidity ratio. The central bank acts as a lender of last resort and uses both quantitative and qualitative methods to control credit in the economy.
Commercial banks are financial intermediaries that accept deposits and make loans. A central bank, like the Reserve Bank of India, regulates commercial banks and implements monetary policy to control inflation and economic growth. It does so through various tools like adjusting interest rates, buying and selling government securities, and setting reserve requirements that determine how much capital commercial banks must hold. Together, central banks and commercial banks play an important role in managing the money supply and credit conditions in a country's economy.
Here are some of the major products and services offered by banks:
- Deposit accounts: Savings accounts, current/checking accounts, fixed/term deposits, recurring deposits etc. These are the core deposit taking functions of banks.
- Lending products: Overdrafts, cash credits, loans for various purposes like home, vehicle, personal, business, agriculture etc. Banks lend the deposits they collect.
- Payment and remittance services: ATM cards, debit cards, credit cards, netbanking, mobile banking, IMPS, NEFT, RTGS funds transfer services. These facilitate cashless payments and funds transfer.
- Third party services: Demat/trading account, insurance, mutual funds,
The document discusses various aspects of the banking system in India. It begins by defining banking as accepting and safeguarding money owned by others and lending it out for profit. It then describes the main types of banks in India including commercial banks, savings banks, cooperative banks, and the central bank, Reserve Bank of India (RBI). It outlines some key functions of commercial banks like accepting deposits and providing loans. It also explains some monetary policy tools of RBI like cash reserve ratio (CRR), bank rate, repo rate, reverse repo rate, and statutory liquidity ratio (SLR).
Commercial banks play an important role in a country's financial system by accepting deposits from the public and lending money. They are regulated by the Reserve Bank of India and aim to earn profits through interest and fees. Commercial banks engage in both lending and borrowing - they collect deposits and lend funds at higher interest rates to earn profits. They provide important services like facilitating payments, granting credit, and mobilizing savings which promotes capital formation, entrepreneurship, and balanced regional development, accelerating a country's economic growth. Modern commercial banks now offer additional digital services like internet banking, ATMs, credit cards, and mobile banking to improve customer convenience.
Commercial banks are financial institutions that accept deposits from the public and provide loans to earn a profit. Their main functions are accepting deposits, lending funds through various loans and credit facilities, and acting as an agent for other financial services. Commercial banks aim to earn profit by charging higher interest rates on loans than what they pay depositors. The key features of commercial banks are borrowing from depositors and lending funds to earn interest. In India, most commercial banks are joint stock banks like Punjab National Bank and Bank of Baroda.
The document provides an overview of the Indian financial system. It defines a financial system as one that manages the flow of funds between market participants by facilitating the transfer of funds and assets between borrowers, lenders, and investors. The key components of the Indian financial system are financial assets, institutions, markets, and services. Financial institutions in India include banking institutions like scheduled commercial banks, cooperative banks, and non-banking financial companies. Together, these components work to efficiently allocate resources and promote economic growth.
This document provides an overview of commercial banks and banking concepts. It begins with definitions of banks and discusses the evolution of banks from merchants, money lenders, and goldsmiths. It then describes the main types of banks such as commercial banks, savings banks, agricultural banks, and central banks. The document focuses on commercial banks and their key functions such as accepting deposits, lending loans, money transfers. It also discusses important banking concepts like bank accounts, credit creation, and the role of the central bank.
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.
Click on the link below to watch full video on youtube -
https://youtu.be/gZ_2NLjG9SQ
The term ‘bank’ is derived from the French word ‘Banco’ which means a Bench or Money exchange table.
A bank is a financial institution that provides banking and other financial services to their customers such as accepting deposits, lending loans, money transfer and selling third party products like insurance, mutual fund and portfolio management.
When banks accept deposits its liabilities increase as it has to pay interest to the customer but when it provides loans/ advances its assets increases as it earns interest.
As financial intermediaries, banks stand between depositors who supply capital and borrowers who demand capital.
The functions of commercial banks can be broadly categorized into : a) Primary functions b) Secondary functions
Thank You For Watching
Subscribe To DevTech Finance
This document provides an overview of banking services in India. It begins with definitions of banking as per Indian law and a brief history of banking in India. It then discusses the different types of scheduled commercial banks in India and provides an overview of their structure and functions. The document also covers key banking concepts like asset liability management, risk exposures banks face, Islamic banking, bank performance metrics, and the shadow banking system.
The document discusses the organizational structure of banks in India. It describes how banks are organized into two sectors - organized and unorganized. The organized sector includes Reserve Bank of India, commercial banks, cooperative banks, and specialized banks. Reserve Bank of India acts as the central bank, while commercial banks like public sector banks, private sector banks, and foreign banks accept deposits and provide loans. Cooperative banks meet credit needs in rural areas. The document also discusses the roles and functions of commercial banks in India.
This presentation is useful to study about bank and banking system. This presentation is also useful to make presentation on Bank and Banking System. This is also useful to study Engineering Economics and Management.
1. Banks buy and sell money, dealing in various financial services and transactions involving money. In India, banking is carried out through both indigenous and western systems, with the Reserve Bank of India controlling various types of commercial, savings, cooperative, industrial and other specialized banks.
2. Commercial banks accept demand deposits and provide services like loans, overdrafts, cash credits and bill discounting. They also offer other services like money transfers, safe deposit lockers, payment of bills and taxes.
3. Financial planning is important for businesses to ensure adequate funding is available and properly utilized. It involves estimating capital needs, determining sources of funds, and managing funds through tools like budgeting.
1. Banks accept deposits from customers and lend money to borrowers, playing an important role in the economy. The Reserve Bank of India regulates banking activities and monetary policy in India.
2. RBI was established in 1935 and nationalized in 1949. As the central bank, it formulates and implements monetary policy, regulates the financial system, manages foreign exchange reserves, acts as a bank for the government and banks, and plays a developmental role.
3. In addition to accepting deposits and lending loans, banks also perform agency, utility, and secondary functions for customers like money transfers, payments, and investments. Emerging trends in banking include financial inclusion, increased digitization and technology usage, and consolidation in the sector
This document provides an overview of investment banking. It discusses the introduction and functions of banks in India, focusing on the State Bank of India. It then defines investment banks and their roles, including providing advisory services for mergers and acquisitions. The core services of investment banks are discussed as debt markets, equity markets, and advisory services. Steps for registering for online banking with an investment bank are also outlined.
Similar to Overview of financial system and banking system in BD (20)
The document provides an overview of quantitative analysis. It discusses that quantitative analysis is the systematic study of an organization's structure, characteristics, functions, and relationships to provide executives with a quantitative basis for decision making. The characteristics of quantitative analysis include a focus on decision making, applying a scientific approach, using an interdisciplinary team, and applying formal mathematical models. The quantitative analysis process involves defining the problem, developing a model, acquiring data, developing a solution, testing the solution, and validating the model. Common tools used in quantitative analysis include linear programming, statistical techniques, decision tables, decision trees, game theory, forecasting, and mathematical programming.
This document outlines five methods for managing conflict: accommodation, compromise, avoidance, competition, and collaboration. Accommodation is a lose/win approach where one party forfeits their position. Compromise is a win/lose-win/lose approach where all parties gain and lose through negotiation. Avoidance is a lose/lose approach where issues remain unresolved. Competition is a win/lose approach where one party attempts to dominate. Collaboration is a win/win approach that requires trust and understanding between all parties. Each approach is best suited to different conflict situations.
This document summarizes 10 key human capital trends from 2017 to 2020 according to annual surveys. The trends include the changing nature of careers, learning, talent acquisition, employee experience, performance management, leadership, digital HR, people analytics, diversity and inclusion, and the future of work involving new technologies. Organizations are shifting from hierarchies to empowered networks and teams and redesigning jobs to leverage both human and technological capabilities. Learning is becoming more continuous, personalized and integrated with work. Well-being, the hyper-connected workplace, data privacy, and social impact are also emerging as important issues.
Define conflict and conflict behavior in organizations
Distinguish between functional and dysfunctional conflict
Understand different levels and types of conflict in organizations
Analyze conflict episodes and the linkages among them
Explain why conflict arises, and identify the types and sources of conflict in organizations.
Describe conflict management strategies that managers can use to resolve conflict effectively.
Understand the nature of negotiation and why integrative bargaining is more effective than distributive negotiation.
,managing conflict ,politics ,and negotiation
This document discusses conflict management in an organizational context. It begins by defining conflict and outlining learning objectives around understanding conflict, dealing with typical conflicts that arise, and developing skills to resolve conflicts. It then presents a case study about the performance of three typists, Anabia, Sonia and Tania, and asks the reader to evaluate their performance. Additional details provided about each typist may affect the reader's evaluation. The document goes on to discuss causes of conflicts, effects of conflicts in organizations, different approaches to dealing with conflicts, and steps that can be taken to prevent and resolve conflicts. It concludes by noting that while conflict is inevitable and not entirely negative, poorly managed conflicts can have counterproductive results while well-managed
Differences between legal compliances and managing diversityJubayer Alam Shoikat
The document provides guidelines for developing an organizational code of ethics or code of conduct. It outlines several key components that should be addressed in a code, including personal integrity, compliance with laws, political contributions, confidential information, conflicts of interest, financial records, employment policies, securities transactions, use of company assets, gifts and entertainment, environmental issues, and compliance/enforcement. It stresses that codes are most effective when communicated, modeled by leadership, and enforced with accountability.
,
capital budgeting
,
concept of capital budgeting
,
the capital budgeting process
,
significance of capital budgeting
,
classification of investment project proposals
,
techniques of capital budgeting
,
types of project
The document discusses database management systems (DBMS) and cybercrime. It defines a DBMS as software that enables the use of databases and provides methods for creating, updating, storing and retrieving data. The main components of a DBMS are software, hardware, data, procedures and database access languages like SQL. Cybercrime is defined as illegal activities involving computers, like hacking, phishing and spamming. Hackers may break into networks for recreational or financial reasons. Common online spying tools used by cybercriminals include cookies, spyware, web bugs and spam to track users and acquire personal information without consent.
basic organization of computer
,
input unit
,
output unit
,
storage unit
,
arithmetic logic unit (alu)
,
computer codes
,
computer for organization
,
business communication
,
payroll system
,
management information system
This document discusses different number systems including non-positional, positional, decimal, binary, octal, and hexadecimal systems. It provides examples of how to convert numbers between these bases using direct conversion methods or shortcuts. Key aspects covered include how the position and base of each digit determines its value in a number, converting a number to decimal and then to another base, and dividing binary, octal, or hexadecimal numbers into groups to convert to a different base number system.
operating system
,
os
,
what is an os?
,
types of os
,
logical architecture of a computer system
,
basic task perform by os
,
task switching
,
utility software
,
main functions of an os
This document provides an overview of data communications and computer networks. It discusses the basic elements of a communication system including senders, receivers, and transmission media. It then describes different types of transmission media such as twisted pair wire, coaxial cable, microwave systems, and optical fibers. The document also covers digital and analog data transmission, network topologies including star, ring, bus and hybrid networks. It defines local and wide area networks and describes some common networking devices like network interface cards.
The document discusses the five generations of computers from the 1940s to present. It provides details on the key hardware technologies, software technologies, and characteristics of each generation. The first generation used vacuum tubes and were very large, unreliable, and costly. The second generation introduced transistors, magnetic storage, and batch operating systems. The third generation saw the rise of integrated circuits, timesharing operating systems, and standard programming languages. The fourth generation brought microprocessors, PCs, networks, and GUIs. The fifth generation includes powerful desktops, notebooks, servers, supercomputers, and technologies like the internet, multimedia, and Java.
International Business basic concept of international business
,
approaches to international business/ modes of ent
,
barriers to international business
,
absolute advantage and comparative advantage
The document provides information about the accounting cycle for Taposhi Corporation Ltd, including a trial balance, additional information, a 10-column worksheet, income statement, statement of owner's equity, and classified balance sheet. The worksheet adjusts account balances based on additional information and carries forward balances to the financial statements. The income statement shows net income of 20,500 Taka. The statement of owner's equity shows an increase in capital from opening to closing balance. The balance sheet presents assets, liabilities, and owner's equity as of December 31.
This document summarizes a study on the annual reports of Grameenphone over 10 years. It includes an analysis of gross profit and net profit from 2006 to 2015 showing increases over time. Charts in the form of histograms and polygons visualize these trends. Key findings note that Grameenphone is the largest telecom provider in Bangladesh with over 56 million subscribers and extensive network coverage. The network provides mobile, internet, and other digital services across the country.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
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.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
Overview of financial system and banking system in BD
1. Overview of Financial System and
Banking System in Bangladesh.
WHAT IS BANK
A BANK IS FINANCIAL INTITUTION LICAENSED TO RECEIVE DEPOSITS AND MAKE LOANS.
BANKS MAY ALSO PROVIDE FIANCIAL SERVICES, SUCH AS WEALTH MANAGEM ENT ,
CURRENCY ECHANGE AND SAFE DEPOSIT BOXES.
2. Financial System in Bangladesh
CENTER BANK : A national bank that provide financial and banking services for its country government and
commercial banking system, as well as implementing government monetary policy and issuing curency.
Schedule bank : Schedule bank refers to the bank which are listed in center bank.
Non schedule bank: Non schedule bank refers to the bank which are not listed in center bank.
Commercial bank : Commercial bank is a financial institution which perfors the
functions of accepted deposit money from public giving loans for investment with the
aim of earning profit.
Specialized Bank : Specialized banks are banks which concentrate mainly on financial specializes
economic and social activities. Grameen bank
Private Commercial Bank : This types of commercial bank that are non government bank . 51% or
more share there
3. Nationalized commercial bank : This type of commercial bank control by government.
Conventional Banking : This type of banking that are basis of interest and think money is commodity
Shariah base banking : This type of banking that are basis of earing profit and do not that are basic of earning
profit and do not think is commodity.
4. Role of Bank
• Accept deposits
• Size transformation;
• Maturity transformation;
• Risk transformation.
5. Function of banks
Primary functions
• Accepting deposits
• Granting loans and advances
Secondary function
• Agency function
• Utility function
6. Commercial Bank:
Commercial bank which collecting deposit and lending money for the purpose of profit is called commercial bank.
Functions of Commercial Banking
1. Accepting deposits
2. Giving loans
3. Overdraft
4. Discounting of Bills of Exchange
5. Investment of Funds
6. Agency Functions
7. Principles of Commercial Bank
• Profitability
• Liquidity
• Safety
• Diversity
• Social good
• Loan and investment
• Principle of saving
• Priciple of services
8. Sources of Income of Banks
• Interest on loan
• Interest on investment
• Discount
• Commission, Brokerage, Atm etc.