Types of banking
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This document outlines 10 types of banking: merchant banking, wholesale banking, universal banking, para banking, narrow banking, offshore banking, retail banking, Islamic banking, unit banking, and shadow banking. It provides brief descriptions and examples for each type. Merchant banking involves consultancy services to help start, expand, or revive businesses. Wholesale banking provides services to larger organizations and involves large sums of money exchanged between banks. Universal banking offers a wide range of financial products under one roof. [END SUMMARY]
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commercial Banks, history, functions, roles
This document provides background information on commercial bank operations in Pakistan and other countries. It discusses the history of banks dating back to the 1600s and key developments like the Glass-Steagall Act of 1933. It also summarizes reforms in Pakistan's banking sector in 1997, the functions of commercial banks, sources and uses of bank funds, factors that affect interest rates, and international banking services.
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Retail & wholesale banking done
This document discusses retail and wholesale banking in India. It defines retail banking as conducting business with individuals through segmented products, channels, and customer groups. Key drivers of retail banking include economic prosperity, changing demographics, and convenience banking. Opportunities in retail banking lie in housing, consumer finance, and wealth management. Wholesale banking refers to conducting business with corporations and includes various fund-based and non-fund-based products and services. Opportunities in wholesale banking include commercial lending, small businesses, investment banking, and structured finance.
Functions of Commercial Banks in India
This powerpoint will help to understand the functions of banks in India. People could aware with the banking system and it will help to create awareness in public also.
Functions of a commercial bank
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.
Functions of commercial banks
This document discusses commercial banks and their functions. It defines a bank as an institution that accepts deposits from the public and lends money. It outlines various types of commercial banks like deposit banks, industrial banks, and agricultural banks. It explains that commercial banks play an important role in promoting capital formation, investment, trade, industry, agriculture, and implementing monetary policy. They perform primary functions like accepting deposits, advancing loans, and creating credit, as well as secondary functions like agency and utility services. In conclusion, commercial banks are now considered the nerve system of economic development in a country.
functions and structure
Commercial banks play a key role in the economy by accepting deposits from the public, lending money, clearing checks, and providing other services. They earn income through interest on loans and investments as well as fees. Commercial banks must balance objectives of liquidity, profitability, safety, and diversity in their investment policies. They operate using either a unit banking system with independent banks or a branch banking system where a head office controls local branches. By providing finance, credit, and implementing monetary policy, commercial banks help accelerate capital formation and economic development.
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banking-types of banking-functions of banking-e-banking e banking benefits e-banking services.banking in india, banking-types of banking-functions of banking-e-ba, benefits of e banking, commercial banks, internet banking, types of deposits, types of loans
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This document provides background information on commercial bank operations in Pakistan and other countries. It discusses the history of banks dating back to the 1600s and key developments like the Glass-Steagall Act of 1933. It also summarizes reforms in Pakistan's banking sector in 1997, the functions of commercial banks, sources and uses of bank funds, factors that affect interest rates, and international banking services.
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This powerpoint will help to understand the functions of banks in India. People could aware with the banking system and it will help to create awareness in public also.
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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.
Functions of commercial banks
This document discusses commercial banks and their functions. It defines a bank as an institution that accepts deposits from the public and lends money. It outlines various types of commercial banks like deposit banks, industrial banks, and agricultural banks. It explains that commercial banks play an important role in promoting capital formation, investment, trade, industry, agriculture, and implementing monetary policy. They perform primary functions like accepting deposits, advancing loans, and creating credit, as well as secondary functions like agency and utility services. In conclusion, commercial banks are now considered the nerve system of economic development in a country.
functions and structure
Commercial banks play a key role in the economy by accepting deposits from the public, lending money, clearing checks, and providing other services. They earn income through interest on loans and investments as well as fees. Commercial banks must balance objectives of liquidity, profitability, safety, and diversity in their investment policies. They operate using either a unit banking system with independent banks or a branch banking system where a head office controls local branches. By providing finance, credit, and implementing monetary policy, commercial banks help accelerate capital formation and economic development.
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This document discusses different types of banks and bank accounts. It describes savings banks that aim to promote savings, especially for low-income groups. Commercial banks provide financial services like loans to businesses. Types of commercial banks include public sector, private sector, and foreign banks. Cooperative banks are owned and operated by cooperative societies to provide finance to farmers and small businesses. Other bank types discussed are investment banks, specialized banks, and central banks, which function as the monetary authority in a country. The document also examines common bank accounts like savings, current, recurring deposit, and fixed deposit accounts.
Presentation on Banking
This document provides an overview of banking in India. It defines banking and explains why it is important. It then describes the structure of banking in India including commercial banks, cooperative banks, and services offered by banks like loans, deposits, money transfers. It provides details on electronic banking and highlights the first Indian governor. International banking is also summarized covering advantages like tax efficiency and convenience.
Banking Services
This document provides information about opening a bank account. It lists the group members and their college, then defines what a bank is. It outlines the key regulatory bodies for banks in India and lists 6 important reasons for opening an account, such as safe money storage, payments, collections, loans, and safe deposit lockers. It also describes the main types of bank accounts like savings accounts, current accounts, fixed deposits, and recurring deposits. Finally, it outlines various features, services, and loans provided by banks.
Commercial banks final
Commercial banks act as financial intermediaries by collecting deposits from lenders and lending in the form of loans. Their primary functions include accepting deposits and granting loans and advances. Secondary functions involve issuing letters of credit, providing safe deposit services, foreign exchange facilities, money transfers, and more. Commercial banks in India include public sector banks like State Bank of India as well as private and foreign banks. Credit creation, whereby banks expand deposits through lending, is a key function of commercial banks today.
ROLE OF COMMERCIAL BANKS
Commercial banks play an important economic role by accepting deposits and using those funds to issue loans. They generate profit from the difference between lower interest rates paid on deposits and higher interest charged on loans. While historically banks only dealt with businesses, they now provide various services to both individual consumers and businesses, including checking and savings accounts, loans, transaction processing, and more. Common types of banks include commercial banks, investment banks, central banks, and specialized banks like community or savings banks.
Introduction to commercial banks
The document discusses the various services provided by commercial banks including current accounts for day-to-day banking, savings accounts, ATMs, online banking access 24/7, mortgages, loans, money transfers and foreign exchange. It describes how current accounts can be used to make payments via cheque, laser card, standing order or direct debit and may involve fees, while savings accounts earn interest but it is taxed.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer basic investment products. It notes that central banks oversee commercial banking systems and impose conditions like reserve requirements. The document then describes the primary functions of commercial banks as receiving deposits and advancing loans. It also outlines various agency, general utility, and other roles commercial banks play in promoting economic growth.
commercial bank and its functions.
Commercial banks are for-profit financial institutions that accept deposits, grant loans, and offer other financial services. There are three main types of commercial banks in India: public sector banks controlled by the Reserve Bank of India, private sector banks registered as limited companies, and foreign banks headquartered abroad. The primary functions of commercial banks are accepting deposits, advancing loans, and creating credit, while secondary functions include cheque clearing, fund transfers, and agency services like collecting payments. Commercial banks also offer electronic banking services like debit cards, credit cards, and internet banking. The largest commercial banks in India are State Bank of India, ICICI Bank, and Punjab National Bank.
Indian finanacial Market
The document discusses the traditional banking system in India and how it has evolved with technological advances. It covers functions of banks like accepting deposits and lending loans. It also describes various banking services that are now offered digitally like mobile banking, internet banking, ATMs, credit/debit cards which allow banking anytime anywhere. The reforms and use of technology have dramatically changed banks' functioning and increased customer relationships.
Bank’s products and services
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
This document discusses the functions of commercial banks. It begins by defining a commercial bank as a profit-seeking business that deals in money and credit by accepting deposits from the public and lending money. It then lists the primary functions of commercial banks as accepting deposits, advancing loans, creating credit, clearing checks, financing foreign trade, and remitting funds. The document also discusses the secondary functions of commercial banks such as providing agency services and general utility services to customers. It provides examples of different types of deposits, loans, and services offered by commercial banks.
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.
Deposits
Savings bank deposits are meant for small savers and have restrictions on withdrawals and minimum balance requirements. Current deposits are for business people and allow withdrawals by cheque but no interest. Recurring deposits encourage regular monthly savings over a fixed period by automatically depositing a set amount each month to earn interest. Fixed deposits are repaid after a specific time period but penalties apply for early closure. Proper documentation and verification is required to open any type of bank deposit.
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.
Commercial banking
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.
Functions of Commercial Banks in India
Commercial banks primarily accept deposits and provide loans to customers. They play an important role in a country's economy by fulfilling short and mid-term financial needs of industries. Commercial banks' functions include accepting savings, fixed, and current deposits, providing secured and unsecured loans, and engaging in credit creation by extending lines of credit. Secondary functions are providing locker facilities, dealing in foreign exchange, exchanging securities, and discounting bills of exchange.
Banking and insurance chapters
The Indian financial system consists of five main components: money, financial instruments, financial markets, financial institutions, and central banks. It helps facilitate production, capital accumulation, and economic growth by encouraging savings, mobilizing savings, and allocating savings among alternative uses. Key regulators include the Reserve Bank of India and independent authorities that oversee banking, insurance, capital markets, and other financial services. The financial system is also supported by various types of financial institutions like commercial banks, non-banking financial companies, microfinance institutions, and more that connect savers and borrowers.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer investment products. It then classifies banks based on their functions into savings banks, agricultural banks, exchange banks, industrial banks, cooperative banks, and commercial banks. The document describes the primary functions of commercial banks as accepting deposits and advancing loans. It also outlines the principles that commercial banks follow, including liquidity, solvency, safety, and profitability. Finally, it provides details on the sources of funds for commercial banks, which include deposits, reserve funds, shareholder capital, retained earnings, and liabilities management.
Commercial bank
The document discusses commercial banks in India. It defines commercial banks as financial institutions that raise funds through deposits and make loans. It outlines the different types of commercial banks in India, including public sector banks, foreign banks, and private sector banks. It describes the key functions of commercial banks such as accepting deposits, lending money, transferring funds, and acting as trustees. It also discusses the sources of funds for commercial banks, technological reforms in the banking sector, and the regulatory role of the Reserve Bank of India over commercial banks. In the end, it notes some weaknesses faced by commercial banks and their future plans to improve services and expand business.
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
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This presentation helps us to understand the basics of banking in India, its initiation, role and growth over the period of time.
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This document discusses different types of banks and bank accounts. It describes savings banks that aim to promote savings, especially for low-income groups. Commercial banks provide financial services like loans to businesses. Types of commercial banks include public sector, private sector, and foreign banks. Cooperative banks are owned and operated by cooperative societies to provide finance to farmers and small businesses. Other bank types discussed are investment banks, specialized banks, and central banks, which function as the monetary authority in a country. The document also examines common bank accounts like savings, current, recurring deposit, and fixed deposit accounts.
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This document provides an overview of banking in India. It defines banking and explains why it is important. It then describes the structure of banking in India including commercial banks, cooperative banks, and services offered by banks like loans, deposits, money transfers. It provides details on electronic banking and highlights the first Indian governor. International banking is also summarized covering advantages like tax efficiency and convenience.
Banking Services
This document provides information about opening a bank account. It lists the group members and their college, then defines what a bank is. It outlines the key regulatory bodies for banks in India and lists 6 important reasons for opening an account, such as safe money storage, payments, collections, loans, and safe deposit lockers. It also describes the main types of bank accounts like savings accounts, current accounts, fixed deposits, and recurring deposits. Finally, it outlines various features, services, and loans provided by banks.
Commercial banks final
Commercial banks act as financial intermediaries by collecting deposits from lenders and lending in the form of loans. Their primary functions include accepting deposits and granting loans and advances. Secondary functions involve issuing letters of credit, providing safe deposit services, foreign exchange facilities, money transfers, and more. Commercial banks in India include public sector banks like State Bank of India as well as private and foreign banks. Credit creation, whereby banks expand deposits through lending, is a key function of commercial banks today.
ROLE OF COMMERCIAL BANKS
Commercial banks play an important economic role by accepting deposits and using those funds to issue loans. They generate profit from the difference between lower interest rates paid on deposits and higher interest charged on loans. While historically banks only dealt with businesses, they now provide various services to both individual consumers and businesses, including checking and savings accounts, loans, transaction processing, and more. Common types of banks include commercial banks, investment banks, central banks, and specialized banks like community or savings banks.
Introduction to commercial banks
The document discusses the various services provided by commercial banks including current accounts for day-to-day banking, savings accounts, ATMs, online banking access 24/7, mortgages, loans, money transfers and foreign exchange. It describes how current accounts can be used to make payments via cheque, laser card, standing order or direct debit and may involve fees, while savings accounts earn interest but it is taxed.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer basic investment products. It notes that central banks oversee commercial banking systems and impose conditions like reserve requirements. The document then describes the primary functions of commercial banks as receiving deposits and advancing loans. It also outlines various agency, general utility, and other roles commercial banks play in promoting economic growth.
commercial bank and its functions.
Commercial banks are for-profit financial institutions that accept deposits, grant loans, and offer other financial services. There are three main types of commercial banks in India: public sector banks controlled by the Reserve Bank of India, private sector banks registered as limited companies, and foreign banks headquartered abroad. The primary functions of commercial banks are accepting deposits, advancing loans, and creating credit, while secondary functions include cheque clearing, fund transfers, and agency services like collecting payments. Commercial banks also offer electronic banking services like debit cards, credit cards, and internet banking. The largest commercial banks in India are State Bank of India, ICICI Bank, and Punjab National Bank.
Indian finanacial Market
The document discusses the traditional banking system in India and how it has evolved with technological advances. It covers functions of banks like accepting deposits and lending loans. It also describes various banking services that are now offered digitally like mobile banking, internet banking, ATMs, credit/debit cards which allow banking anytime anywhere. The reforms and use of technology have dramatically changed banks' functioning and increased customer relationships.
Bank’s products and services
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
This document discusses the functions of commercial banks. It begins by defining a commercial bank as a profit-seeking business that deals in money and credit by accepting deposits from the public and lending money. It then lists the primary functions of commercial banks as accepting deposits, advancing loans, creating credit, clearing checks, financing foreign trade, and remitting funds. The document also discusses the secondary functions of commercial banks such as providing agency services and general utility services to customers. It provides examples of different types of deposits, loans, and services offered by commercial banks.
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.
Deposits
Savings bank deposits are meant for small savers and have restrictions on withdrawals and minimum balance requirements. Current deposits are for business people and allow withdrawals by cheque but no interest. Recurring deposits encourage regular monthly savings over a fixed period by automatically depositing a set amount each month to earn interest. Fixed deposits are repaid after a specific time period but penalties apply for early closure. Proper documentation and verification is required to open any type of bank deposit.
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.
Commercial banking
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.
Functions of Commercial Banks in India
Commercial banks primarily accept deposits and provide loans to customers. They play an important role in a country's economy by fulfilling short and mid-term financial needs of industries. Commercial banks' functions include accepting savings, fixed, and current deposits, providing secured and unsecured loans, and engaging in credit creation by extending lines of credit. Secondary functions are providing locker facilities, dealing in foreign exchange, exchanging securities, and discounting bills of exchange.
Banking and insurance chapters
The Indian financial system consists of five main components: money, financial instruments, financial markets, financial institutions, and central banks. It helps facilitate production, capital accumulation, and economic growth by encouraging savings, mobilizing savings, and allocating savings among alternative uses. Key regulators include the Reserve Bank of India and independent authorities that oversee banking, insurance, capital markets, and other financial services. The financial system is also supported by various types of financial institutions like commercial banks, non-banking financial companies, microfinance institutions, and more that connect savers and borrowers.
Commercial bank
This document provides an overview of commercial banks. It defines commercial banks as financial institutions that accept deposits, make business loans, and offer investment products. It then classifies banks based on their functions into savings banks, agricultural banks, exchange banks, industrial banks, cooperative banks, and commercial banks. The document describes the primary functions of commercial banks as accepting deposits and advancing loans. It also outlines the principles that commercial banks follow, including liquidity, solvency, safety, and profitability. Finally, it provides details on the sources of funds for commercial banks, which include deposits, reserve funds, shareholder capital, retained earnings, and liabilities management.
Commercial bank
The document discusses commercial banks in India. It defines commercial banks as financial institutions that raise funds through deposits and make loans. It outlines the different types of commercial banks in India, including public sector banks, foreign banks, and private sector banks. It describes the key functions of commercial banks such as accepting deposits, lending money, transferring funds, and acting as trustees. It also discusses the sources of funds for commercial banks, technological reforms in the banking sector, and the regulatory role of the Reserve Bank of India over commercial banks. In the end, it notes some weaknesses faced by commercial banks and their future plans to improve services and expand business.
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Financial institutions offer a variety of banking and financial services including savings and checking accounts, loans, investments, and financial advising. They are divided into depository institutions like banks that accept deposits, and non-depository institutions like insurance companies and brokerages. Financial institutions serve as intermediaries that pool funds from many customers and direct them to borrowers, facilitating the flow of money in the economy.
Wholesale banking
Wholesale banking refers to providing banking services to large corporations and institutions rather than individual consumers. It involves borrowing and lending large sums of money. Some key aspects of wholesale banking include:
- Dealing primarily with large multinational companies, public sectors, and other financial institutions rather than individual customers.
- Handling large transaction sizes, with lower overall volumes compared to retail banking.
- Providing tailored financial services and products like loans, lines of credit, trade finance, and cash management to corporate clients.
- Major functions involve accepting deposits, providing various loan types, bill discounting, fund investment, and other services for large business clients.
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The document discusses the history and evolution of banking. It traces the origins of the word "bank" back to benches in Roman markets where money changers would conduct business. It describes how traditional banks accept deposits and channel them into loans, while investment banks specialize in raising capital and advising on mergers and acquisitions rather than taking deposits. The document also outlines different types of banks such as commercial banks, private banks, and Islamic banks, as well as the various risks and regulations that banks face in conducting business.
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Investment banks handle large transactions and advise corporate clients, while commercial banks provide everyday financial services to individuals and small businesses. The main roles of investment banks are advising on mergers, acquisitions, and IPOs, while commercial banks accept deposits, provide loans and mortgages. Investment banking involves higher risks but also higher potential fees, while commercial banking has lower risks but earns profits from interest rate spreads on loans and deposits.
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Management of Financial Services
The document discusses the Indian banking sector and its structure. It describes that there is a mix of public and private sector banks in India. The Reserve Bank of India (RBI) acts as the central bank, guiding and regulating the banking system. Commercial banks accept deposits and provide short-term loans. Public sector banks have majority government ownership, while private sector banks are registered as private companies. Foreign, regional rural, and cooperative banks also operate in India to serve various sectors.
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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,
Money market
The document summarizes the key aspects of the money market in India. It defines the money market as the market for short-term debt instruments with maturities of up to one year. It then describes the major participants like commercial banks, Reserve Bank of India, development banks, cooperative banks, and indigenous money lenders. The document also outlines the characteristics of the money market and how it consists of organized and unorganized sectors that facilitate short-term lending and borrowing activities.
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This document defines and describes various types of financial institutions. It discusses common financial institutions like banks, insurance companies, investment companies, and mutual funds. It also outlines specialized financial institutions including central banks, commercial banks, investment banks, savings banks, and Islamic banks. The functions of financial institutions are also summarized, which include facilitating the flow of cash between investors and those needing funds.
Management of financial services
Financial services refer to services provided by banks and other financial institutions, including mobilizing and allocating savings, providing loans, insurance, investment products, and more. Some key types of financial institutions discussed are commercial banks, cooperative banks, and non-banking financial institutions. Financial markets allow for short-term lending and capital raising. Financial instruments can be primary, secondary, short-term, long-term or medium-term. Financial services are classified as fund-based, involving direct investment of funds, or fee-based, where institutions earn fees through specialized services.
Financial Institutions, Instruments and Markets.
This document defines key terms in finance and describes various financial institutions and markets. It begins by defining finance, money, and credit. It then discusses two main classifications of finance - public and private. Next, it examines different types of financial institutions like banks, investment companies, insurance companies, and credit unions. It also explores various financial markets and instruments. In closing, the document emphasizes the relationship between financial institutions and markets.
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The document discusses the structure of the banking system in India. It begins by outlining the role of the central bank, which is the Reserve Bank of India. It then describes the different types of banks that operate in India, including commercial banks like public and private sector banks, investment banks, development banks, cooperative banks, non-banking financial companies, mutual funds, and microfinance institutions. It also discusses the key functions and risk management practices of these various banking institutions.
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The Indian financial system plays a vital role in the country's economic development by facilitating savings, investment, and capital formation. It consists of four main components: financial institutions that act as intermediaries between savers and borrowers, financial assets that are traded in markets, financial services provided by asset managers, and financial markets where trading of money, bonds, and shares occurs. The key financial institutions are banks, which accept deposits and provide loans, and non-banking institutions like insurance companies. Important financial assets include treasury bills, certificates of deposit, and commercial paper.
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This document provides an overview of different types of banks and their functions. It discusses savings banks, commercial banks, cooperative banks, investment banks, specialized banks, and central banks. It notes that commercial banks can be further divided into public sector banks, private sector banks, and foreign banks. The primary functions of banks are accepting deposits and granting loans. Secondary functions include agency functions and various utility services. Popular bank accounts discussed include current accounts, savings accounts, recurring deposits, and fixed deposits.
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This document defines and describes various types of financial institutions. It begins by defining financial institutions as agents that provide financial services and are regulated by governments. It then lists and explains common types of financial institutions like banks, insurance companies, investment companies, and mutual funds. The document goes on to further define and describe central banks, commercial banks, investment banks, savings banks, microfinance banks, Islamic banks, and specialized banks. It concludes by discussing non-banking financial companies, investment companies, leasing companies, insurance companies, brokerage houses, and misleading financial analysis.
Commercial banks
Commercial banks collect savings from depositors and lend money to borrowers. They accept various types of deposits like demand deposits, fixed deposits, and savings deposits. Commercial banks also provide other services like loans, overdraft facilities, bill discounting, and collection of payments. They play an important role in capital formation, providing finance and credit, promoting entrepreneurship, and balanced regional development. Commercial banks in India are classified as scheduled commercial banks, which include public sector banks, private sector banks, and foreign banks, or non-scheduled commercial banks.
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What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
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Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...University of Calabria
The study analyzes differences and primary drivers of green performance between family firms and non-family firms
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
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.
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6:个人职称评审加20分
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Earn a passive income with prosocial investing
Invest in prosocial funds that earn you an income while improving the world
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
Sources of Revenue for State Government - Prof Oyedokun.pptx
Sources of Revenue for State Government - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on Sources of Revenue for State GovernmentFinancial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
1. Elemental Economics - Introduction to mining.pdf
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.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
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.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
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Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.5 Tips for Creating Standard Financial Reports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Role of Information Technology in Revenue - Prof Oyedokun.pptx
Role of Information Technology in Revenue - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on the Role of Information Technology in Revenue Generation and Collection
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
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1. Elemental Economics - Introduction to mining.pdf
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Types of banking
- 1. TYPES OF BANKING Classification on the basis of Services provided by banks
- 2. 1. Merchant Banking 2. Whole Sale banking 3. Universal Banking 4. Para Banking 5. Narrow Banking 6. Off shore banking 7. Retail Banking 8. Islamic Banking 9. Unit Banking 10. Shadow Banking
- 3. Merchant Banking • It is a combination of banking Services and consultancy services( Managerial, financial and legal matters) • Helps to start a business and provides funding. • Helps in expansion and revival of sick units. • Helps in stock exchange registration and selling and purchase of shares. • They are Financial Engineer for a business.
- 4. Examples of Merchant Banks Global Merchant Banks Indian Merchant Banks 1. Bank of America Merrill Lynch 2. Citi Group 3. Goldman Sachs 4. J.P Morgan 5. Morgan Stanley 1. ICICI Securities Ltd. 2. Axis Bank Ltd. 3. Bajaj Capital Ltd. 4. Tata Capital Market Ltd. 5. Reliance Securities limited
- 5. Investment Banks Plays a role of mediator between sale and purchase of securities. Provides services like- 1. Management buyouts 2. Corporate Restructuring 3. Corporate Finance 4. Research & Analysis 5. Mergers & Acquisition 6. Banks 'own investment 7. Raising debt capital & equity capital 8. Valuation and fairness Opinion 9. Cross Border Transactions 10. IPO
- 6. Whole Sale Banking Wholesale banking is the provision of services by banks to larger customers or organisation such as: 1. Mortgage Brokers 2. Large Corporate clients 3. Mid- Sized companies 4. Real Estate developers and investors 5. International trade finance businesses 6. Services offered to other banks or other financial institutions.
- 7. Contd.. • Whole Sale banking also refers to the borrowing and lending between Institutional banks. This type of lending occurs on the interbank market & often involves extremely large sum of money. • These services are made up of- 1. Cash Management 2. Equipment financing 3. Large Loans 4. Merchant Banking 5. Trust services etc.
- 8. Universal Banking Supermarket of all financial products under one roof. R.H Khan Committee introduced universal banking. • Investment in securities • Merchant Banking • Accepting deposits • Issuing debit cards • Foreign Exchange operation. • For. Eg. SBI,
- 9. Para Banking Banks which apart from basic facility of bank like accepting deposits, Giving Loans, withdrawal If a banks provides rest other facilities like MF Business, Insurance business, Underwriting of bonds, Portfolio Management etc.
- 10. Narrow Banking • Banks which invests in risk free securities like G- Secs. • Limited banking services
- 11. Off shore Banking A bank located outside the country of residence of the depositor , typically in a low tax jurisdiction (or tax haven) that provides financial and legal advantages like 1. Greater privacy 2. Low or no taxation (i.e tax havens) 3. Easy access to deposits (at least in terms of regulations) 4. Protection against local, political or financial instabilty.
- 12. Retail Banking It is type of banking in which direct dealing with the retail customers is done. Also caller consumer banking or personal banking. • It provides services like- 1. Car Loan 2. Two Wheeler loan 3. Personal loan 4. Gold loan 5. Education loan 6. Accepting deposits 7. Overdraft facility in SB A/c 8. E banking
- 13. Islamic Banking • Also known as non interest banking that is based on the principles of Islamic or Shari’ah , Law and guided by Islamic economics. • Two fundamental principles 1. Sharing of profit and loss with the customers 2. Prohibition of collection and payment of interest. Islamic Law prohibit collecting interest or “riba”
- 14. Unit Banking • Unit bank is generally a single branch Small bank which provides financial services to the local community. • USA Introduced Unit Banks. • India Banks example are RRB and Local Area Banks. • Services are restricted to local village or district.
- 15. Shadow Banking • It is term used for NBFC that provide services similar to commercial banks but outside banking regulations • They provide i) Credit Intermediation ii) Liquidity Transformation iii) Maturity transformation Shell Bank- They do not having no physical existence but somehow provides banking services. USA banned such banks.