Ppt dr. damji b h commercial banking
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Commercial banks accept deposits from customers and use those deposits to offer various loan and financial products to businesses. The key functions of commercial banks include accepting deposits, advancing loans, investment services, and transferring funds. Modern functions have expanded to include online banking services, debit/credit cards, ATMs, and electronic funds transfers. When commercial banks lend out money, they create new deposits in the economy through the process of credit creation, subject to reserve requirements and other limitations set by the central bank.
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Functions of commerical bank in india
Commercial banks accept deposits from the public, lend money mainly for short term commercial purposes, and facilitate the transfer of funds. They perform primary functions like accepting deposits, lending money, and credit creation which involves advancing loans and creating additional money through fractional reserve banking. Commercial banks also perform secondary functions such as providing agency services like payment/collection and remittance of funds, as well as general utility services including safe deposit boxes, letters of credit, traveler's checks and foreign exchange services.
Functions of commercial Bank
This document outlines the key functions of commercial banks which include accepting deposits, advancing loans, credit collection, investing funds, and providing agency services. It describes the primary, secondary, and general utility functions of banks. The primary functions are accepting deposits through savings, current, and fixed deposit accounts, and advancing loans through various types of loans like cash credit, overdraft, demand loans, and bill discounting. Secondary functions involve credit collection, foreign exchange dealings, and acting as trustees. General utility services include locker facilities, traveler's checks, credit information, and underwriting services.
Functions of commercial banks
this is the prentation for Functions of commercial banks for knowledge purpose. in this we include definition, types of commercial banks & all the functions which a bank perform.
Deposit Facilities and Banking Services
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
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Ancillary services of the bank
hello guys!
this is small presentation on the topic ancilllary services offered by bank hope u find it usefull. It comprises of various services inland and overseas offered by the banker.
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Functions of commerical bank in india
Commercial banks accept deposits from the public, lend money mainly for short term commercial purposes, and facilitate the transfer of funds. They perform primary functions like accepting deposits, lending money, and credit creation which involves advancing loans and creating additional money through fractional reserve banking. Commercial banks also perform secondary functions such as providing agency services like payment/collection and remittance of funds, as well as general utility services including safe deposit boxes, letters of credit, traveler's checks and foreign exchange services.
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This document outlines the key functions of commercial banks which include accepting deposits, advancing loans, credit collection, investing funds, and providing agency services. It describes the primary, secondary, and general utility functions of banks. The primary functions are accepting deposits through savings, current, and fixed deposit accounts, and advancing loans through various types of loans like cash credit, overdraft, demand loans, and bill discounting. Secondary functions involve credit collection, foreign exchange dealings, and acting as trustees. General utility services include locker facilities, traveler's checks, credit information, and underwriting services.
Functions of commercial banks
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Deposit Facilities and Banking Services
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
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Commercial banks have two key functions: primary functions which include accepting deposits, granting loans and advances, cash credits, overdrafts, and discounting bills. They also have secondary functions like agency services and general utility services such as letters of credit, standing orders, demand drafts, traveler's checks, and foreign exchange. Commercial banks engage in processing payments, issuing bank drafts and checks, accepting term deposits, lending money, providing letters of credit and guarantees, safekeeping items, selling financial products, cash management, merchant banking, and underwriting bonds.
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The document discusses various types of bank deposit accounts and services, and poses problems related to banking transactions.
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The document provides an overview of various topics in banking including:
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credit is very important for business and economy. growth of economy depends on credit creation. commercial banks play an important role in it. but if it is uncontrolled then it can create fluctuations in economy. it can bring inflation or recession in economy.
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Commercial banks are able to lend out and create much more money in the form of bank deposits than the amount of money they hold in reserves from customers. This process of credit creation allows banks to finance sectors of the economy and promote development. When a customer deposits cash in a bank, the bank can keep a portion as reserves and lend out the rest, allowing the borrower to make new deposits and the process to repeat across multiple banks in a multiplier effect, expanding the total money supply. However, credit creation is limited by factors like required reserve ratios, the amount of cash received, and monetary policies set by central banks.
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its a very easy way of learning about typesof accounts. i made this myself and used it in a presentation. hope u guys find it informative.
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Usually, a current account is opened for commercial or business purposes and is a form of demand deposit from which the holder can withdraw money any number of times or upto an agreed amount. Opening a current account is a risky proposition for the banks. For instance, if the bank makes an overdraft by mistake, then the bank has to bear the loss if it is unpaid. There is no restriction to the amount deposited in the current account. This form of account is liable for transaction tax especially if the individual or a Hindu Undivided Family (HUF) withdraws Rs 50,000 in cash on any single day. Similar tax is also levied on a corporate entity if the withdrawal is Rs 1,00,000 and above. Although no interest or countervailing interest is payable on a current account however banks are entitled to pay interest to the account of a regional rural bank or the account of a deceased individual. As far as nomination is concerned a single depositor can make nominations while nominations cannot be made by incorporated entities or other trade bodies. With respect to current accounts there are several prohibitions placed on the banks. For example, the bank cannot lure the depositors by announcing prizes or attractive lottery schemes. Similarly, banks also cannot pay brokerage or gifts to agents for deposits placed at the bank.
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Commercial banks engage in credit creation by using deposits as the source of loans. When a customer deposits money in a bank, the bank is required to keep a percentage as reserves but can loan out the rest. For example, if a customer deposits Rs. 1000 and the reserve ratio is 20%, the bank can loan Rs. 800. This loan may then be deposited in another bank, allowing further lending in a multiplying effect. The credit multiplier calculates this effect, with a 20% reserve ratio allowing deposits and loans to increase by a factor of 5 times the initial deposit through the banking system.
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The document discusses modern banking, including measuring the money supply, functions of financial institutions, and e-banking. It defines the M1 and M2 money supplies and explains the functions of storing money, saving money, loans, mortgages, and credit cards. It also discusses interest, the role of banks in earning profits, and modern electronic banking methods like ATMs, debit cards, online banking, automatic bill pay, and stored value cards.
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The document discusses banking transactions and bank accounts. It begins by defining the term "bank" and listing its key characteristics such as dealing with money, accepting deposits, and lending loans. It then explains various banking transactions and types of bank accounts including savings accounts, current accounts, recurring deposit accounts, and term deposit accounts. The document also outlines the procedures to open a bank account and lists the advantages of having a bank account such as safe custody of money and access to loans.
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The document discusses the different products and services offered by banks. It identifies the main categories as retail banking, trade finance, and treasury operations. It then provides details on specific retail banking services like deposits, loans, remittances, and bookkeeping. It also outlines electronic banking services like ATMs, online and mobile banking, and their benefits of increasing convenience and customer access while reducing costs. Finally, it lists the top 30 banks in the Philippines.
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Commercial banks have primary functions of receiving deposits, lending to the public, and making investments. They receive demand and time deposits, provide overdrafts, loans, and cash credits for lending. For investments, they purchase treasury bills, government bonds, corporate securities, and more. Banks create credit by sanctioning loans and allowing customers to withdraw funds via check.
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Commercial banks have two key functions: primary functions which include accepting deposits, granting loans and advances, cash credits, overdrafts, and discounting bills. They also have secondary functions like agency services and general utility services such as letters of credit, standing orders, demand drafts, traveler's checks, and foreign exchange. Commercial banks engage in processing payments, issuing bank drafts and checks, accepting term deposits, lending money, providing letters of credit and guarantees, safekeeping items, selling financial products, cash management, merchant banking, and underwriting bonds.
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This document provides information about different types of cards including credit cards, debit cards, charge cards, smart cards, member cards, and travel cards. It describes the key features of each type of card such as how credit cards work, the differences between debit and credit cards, and how charge cards require full payment each month. The document also covers safe deposit lockers, providing guidelines from RBI on their operation and management by banks.
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The document discusses various types of bank deposit accounts and services, and poses problems related to banking transactions.
1. A customer lost a fixed deposit receipt and approaches the bank manager for assistance in redeeming the deposit.
2. A joint fixed deposit was issued to X and Y, and now X wants to redeem after one year or take a loan using the deposit as collateral.
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The document summarizes the roles and functions of central banks and commercial banks. Central banks serve as the national bank that provides financial services to the government and regulates the commercial banking system. They act as the regulator of currency, banker and fiscal agent to the government, custodian of commercial bank reserves, manager of foreign exchange reserves, and lender of last resort. Commercial banks accept deposits from the public, provide loans, and perform secondary functions like overdraft facilities, bill discounting, and various agency services.
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The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
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Credit creation
credit is very important for business and economy. growth of economy depends on credit creation. commercial banks play an important role in it. but if it is uncontrolled then it can create fluctuations in economy. it can bring inflation or recession in economy.
in this PPT how commercial banks distribute loan and how it is affected by various factors are explained.
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Commercial banks are able to lend out and create much more money in the form of bank deposits than the amount of money they hold in reserves from customers. This process of credit creation allows banks to finance sectors of the economy and promote development. When a customer deposits cash in a bank, the bank can keep a portion as reserves and lend out the rest, allowing the borrower to make new deposits and the process to repeat across multiple banks in a multiplier effect, expanding the total money supply. However, credit creation is limited by factors like required reserve ratios, the amount of cash received, and monetary policies set by central banks.
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This document discusses the roles of banks, including intermediation, payment systems, and financial services. It describes how banks transfer funds from savers to borrowers through intermediation, and how they facilitate payments through various systems like NEFT, EFT, NDS, and RTGS. It also outlines the types of financial services banks provide, dividing them into asset/fund-based services like term lending and bill discounting, and fee-based services like corporate and retail banking products.
Various types of bank accounts
its a very easy way of learning about typesof accounts. i made this myself and used it in a presentation. hope u guys find it informative.
Current Account
Usually, a current account is opened for commercial or business purposes and is a form of demand deposit from which the holder can withdraw money any number of times or upto an agreed amount. Opening a current account is a risky proposition for the banks. For instance, if the bank makes an overdraft by mistake, then the bank has to bear the loss if it is unpaid. There is no restriction to the amount deposited in the current account. This form of account is liable for transaction tax especially if the individual or a Hindu Undivided Family (HUF) withdraws Rs 50,000 in cash on any single day. Similar tax is also levied on a corporate entity if the withdrawal is Rs 1,00,000 and above. Although no interest or countervailing interest is payable on a current account however banks are entitled to pay interest to the account of a regional rural bank or the account of a deceased individual. As far as nomination is concerned a single depositor can make nominations while nominations cannot be made by incorporated entities or other trade bodies. With respect to current accounts there are several prohibitions placed on the banks. For example, the bank cannot lure the depositors by announcing prizes or attractive lottery schemes. Similarly, banks also cannot pay brokerage or gifts to agents for deposits placed at the bank.
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Commercial banks engage in credit creation by using deposits as the source of loans. When a customer deposits money in a bank, the bank is required to keep a percentage as reserves but can loan out the rest. For example, if a customer deposits Rs. 1000 and the reserve ratio is 20%, the bank can loan Rs. 800. This loan may then be deposited in another bank, allowing further lending in a multiplying effect. The credit multiplier calculates this effect, with a 20% reserve ratio allowing deposits and loans to increase by a factor of 5 times the initial deposit through the banking system.
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The document discusses modern banking, including measuring the money supply, functions of financial institutions, and e-banking. It defines the M1 and M2 money supplies and explains the functions of storing money, saving money, loans, mortgages, and credit cards. It also discusses interest, the role of banks in earning profits, and modern electronic banking methods like ATMs, debit cards, online banking, automatic bill pay, and stored value cards.
Credit creation process
Commercial banks engage in credit creation by accepting primary deposits from customers and using some of those deposits to issue loans and advances, thereby creating derivative deposits. This process of using deposits to issue loans that themselves generate further deposits allows banks to multiply the money supply through the fractional reserve system. As shown through examples of Banks A, B, and C, each new loan issued creates a new deposit, with the amount of deposits and loans growing until reserves become too small to support additional lending.
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
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After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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- 1. Commercial Banking By Dr. B. H. Damji Head, Department of Economics, D.B.F. Dayanand College of Arts & Science, Solapur
- 2. Definition of Commercial Bank • A bank organized chiefly to handle the everyday financial transactions of businesses (as through demand deposit accounts and short-term commercial loans) • A commercial bank is a type of financial institution that accepts deposits, offers checking account services, makes various loans, and offers basic financial products .
- 3. Features of Commercial Bank • Accepting deposits • Motive of accepting deposits • Acceptance of deposits from people • Return of deposits on demand of depositer • Withdrawal of deposits through cheque, demand draft etc.
- 4. Types of Banks • Commercial banks • Industrial banks • Cooperative banks • Agricultural banks • Land Mortgage banks • Foreign Exchange banks • International banks • Central banks
- 5. Functions of Commercial Banks • Primary Functions: 1. Accepting of deposit 2. Advancing of loans 3. Investment • Secondary Functions: 1. To work as trustee 2. Sale and purchase of bonds 3. To transfer the funds
- 6. Contd. 4. Travellers cheque 5. To collect the data 6. Safe deposit vault 7. Transaction of foreign currency 8. To issue letter of guarantee 9. Technical consultancy services 10. Credit creation
- 7. Modern Functions of Commercial Banks 1. Net banking services 2. Debit and Credit card service 3. Telebanking service 4. Bancassurance 5. ATM 6. SMS services 7. Electronic transfer of funds
- 8. Process of Credit Creation • Commercial banks accepting deposits and advances loans. • In this process they create two types of deposits(i) primary deposits and (ii) derivative or active deposits. • Hence, after providing for some reserve to meet the cash requirement of the depositors, the banks lend the balance to the borrow. The amount of reserve to be maintained by the banks is Cash Reserve Ratio which is determined by the central bank. • The derivative deposits are created out of the percentage of loans and advances provided by banks.
- 9. Limitations on Credit Creation • Total cash in economy • Need for the cash amount • Liquidity ratio • Political situation • Trade situation • Willingness to borrow • Facilities of clearing house • Habit of withdrawal
- 10. Contd. • Availability of appropriate security • Policy of Central Bank • Leakages in conversion of loans into deposits.
- 11. Thank You