This document defines and describes different types of banks in India. There are scheduled and non-scheduled banks. Scheduled banks must meet certain criteria to be included in the second schedule of the RBI Act, including having a minimum paid-up capital and reserves. Scheduled banks include public sector banks which are majority owned by the government, private sector banks, foreign banks, regional rural banks, and cooperative banks. Public sector banks include the State Bank of India and its subsidiaries, as well as nationalized banks taken over by the government. Private banks emerged after economic reforms in 1991. Non-scheduled banks have limited activities and do not maintain reserves with RBI. Regional rural banks and cooperative banks were established to provide banking services in
elationship between banker and customer
,
definition of a banker and customer
,
definition of banking
,
general relationship between banker and customer
,
relationship as debtor and creditor
,
special relationship: banker as trustee
,
pawner and pawnee
,
bailer and bailment relationship
,
mortgager and mortgagee relationship
,
executer
,
attorney
,
guarantor
,
duties of a customer
,
rights and duties of the banker towards the custom
,
rights of a banker
,
garnishee order
Studied the objectives,code of bank’s commitment to customers, The micro.small and medium enterprises development act 2006,code of bank’s commitment to MSEs and banking ombudsman
elationship between banker and customer
,
definition of a banker and customer
,
definition of banking
,
general relationship between banker and customer
,
relationship as debtor and creditor
,
special relationship: banker as trustee
,
pawner and pawnee
,
bailer and bailment relationship
,
mortgager and mortgagee relationship
,
executer
,
attorney
,
guarantor
,
duties of a customer
,
rights and duties of the banker towards the custom
,
rights of a banker
,
garnishee order
Studied the objectives,code of bank’s commitment to customers, The micro.small and medium enterprises development act 2006,code of bank’s commitment to MSEs and banking ombudsman
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INTRODUCTION, HISTORY OF RBI AND CLASSIFICATION OF BANKSIshwaryaRajesh1
▪ The Reserve Bank of India (RBI) is India's Central banking institution, which controls the monetary policy of the Indian rupee. It is the apex bank in the Indian Banking System.
Banks and NBFCs: Types of Banks & NBFCs: Central Bank, Nationalized & Co Operative Banks, Regional Rural
Banks, Scheduled Banks, Private Banks & Foreign Banks, Mudra Bank, Small Finance Banks, Specialized Banks, NBFCs.
Types of Banking: Wholesale and Retail Banking, Investment Banking, Corporate Banking, Private Banking, Development
Banking.
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http://sandymillin.wordpress.com/iateflwebinar2024
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A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
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Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
3. SCHEDULED BANKS
Scheduled commercial banks are those included in the
second schedule of the Reserve Bank of India Act,
1934.
For this, they have to satisfy three conditions:
It must have paid-up capital and reserves of an
aggregate value of atleast Rs. 5 lakhs.
It is carrying on the business of banking in India.
It must be a corporation or cooperative society and
not a partnership or sole proprietorship firm.
4. SCHEDULED BANKS
INDIAN BANKS
Registered or incorporated in
India.
They have their headquarter
in India and can have
branches all over India.
They can also operate in
foreign countries.
FOREIGN BANKS
Registered or incorporated in
their home country, not in
India.
They have their office and/or
branches in India.
They play an important role in
shaping the attitude and
policies of foreign govt.,
companies and their clients
towards India.
5. PUBLIC SECTOR BANKS
Public sector banks are
banks in which the
government has a major
holding.
At least 51% ownership
is vested with the
government.
The shares of these banks
are listed on stock
exchanges.
6. STATE BANK OF INDIA
Government of India
entered in commercial
banking when it took
over Imperial Bank of
India and converted into
State Bank of India on 1
July 1955.
It was first one to make
public issue in 1993-94
after which the share
holding of RBI has come
down to 68.93%.
State Bank Group
State Bank of Hyderabad
State Bank of Patiala
State Bank of Travancore
State Bank of Bikaner &
Jaipur
State Bank of Maysore
State Bank of Saurashtra
State Bank of Indore
7. NATIONALIZED BANKS
In 1969, 14 banks with deposit base
of Rs. 50 Crores or more were
nationalized. In 1980,, 6 more
banks were nationalized.
This step brought more than 90% of
commercial banking in the public
sector.
The main function of nationalised
bank is provide finance for the
housing projects, health facilities
and increase the chance to
providinig the products and
services to the people of rural areas.
Andhra Bank
Punjab National Bank
Indian Overseas Bank
IDBI
Allahabad Bank
Syndicate Bank
UCO Bank
Dena Bank
8. PRIVATE BANKS
All those banks in which
majority of stake are held by
private individuals
The banks, which came in
operation after 1991, with the
introduction of economic
reforms and financial sector
reforms are called "new
private-sector banks“
New banks are strategic in
their thinking and operations.
9. NON SCHEDULED BANKS
The banks which are not included in the 2nd schedule of RBI Act,
1934.
These also have to maintain statutory cash reserve but not with
RBI.
Their banking activities are limited, e.g., they cannot deal in
foreign exchange.
The share of these banks are almost nil.
10. REGIONAL RURAL BANKS
They were set up on the
recommendation of Narasimham
Committee in 1975.
The objective was to provide credit
and other facilities to small and
marginal farmers, agricultural
labours and artisans.
RRBs are working in all states
except GOA and Sikkim.
They are governed by Regional
Rural Bank act, 1976
50% capital is provided by central
govt., 15% by state govt., 35% by
sponsoring public sector bank.
Features of RRB:
The area of RRB is limited to only a
region, comprising of some district
of a state
These banks grant loan only to the
rural agriculture sector and small
artisans.
The lending rates would be some
what lower than the commercial
banks.
These are intended to eliminate
money lenders.
These banks are to supplement the
effort of cooperative banks.
11. COOPERATIVE BANKS
Cooperative banking is a
small scale banking carried
on a no profit no loss basis
for mutual cooperation and
help.
Engaged in financing rural
and agricultural development.
They are established under
the Cooperative Credit
Societies Act of 1904.
Feature of cooperative banks:
Government sponsored, supported
and subsidized financial agencies in
India.
Work on the principle of cooperation,
self help and mutual help.
They function on “no profit no loss”
basis.
Perform limited banking functions.
Some of them are scheduled banks
but most are non- scheduled banks.
Cooperative banks are financial
intermediaries only because a
significant amount of their
borrowings is from the RBI,
NABARD, central and state
government and cooperative apex
institutions.