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OPERATI0N
INSURANCE
RISK
MANAGEMENT
UNIT- I
INTRODUCTION
TO
BANKING BUSINESS
WHAT IS BANK?
BANK IS A ?
Accepting Deposits
Issue of Demand Draft (DD)
Granting Loans and Advances
Undertaking safe custody of valuables and important
documents
Minimum Balance for opening an account
High rate of interest
Token system for withdrawals of cash
DISADVANTAGES OLD BANKING SYSTEM
Retail Banks
Corporate Banks
Rural Banks
International Banks
NEW BANKING SYSTEM IN THE WORLD
RETAIL BANKING
RETAIL BANKING
Retail banking is when a bank executes transactions directly with consumers, rather
than corporations or other banks.
Services offered include savings and transactional accounts, mortgages, personal
loans, debit cards, and credit cards. The term is generally used to distinguish these
banking services from investment banking, commercial banking or wholesale
banking.
It may also be used to refer to a division of a bank dealing with retail
customers and can also be termed as Personal Banking services..
Typical mass-market banking in which individual customers use local branches
of larger commercial banks. Services offered include savings and checking
accounts, mortgages, personal loans, debit/credit cards and certificates of
deposit (CDs).
RETAIL BANKING GROUPS
ACCOUNTS, DEPOSITS AND LOANS OF RETAIL
ATM
Home Loans
Savings Accounts
Personal Loans
Current Accounts
Car Loans
Trading accounts
Commercial Vehicle Loans
Fixed Deposits
Loans against Securities
Internet Banking
Education loan
Mobile Banking
CORPARATE BANKING
Financial services
Setting up new projects
Expansion
diversification
Financial restricting
commercial banking facilities
RURAL BANKING FUNCTIONS
To accept deposits
To grant advances
To provide ancillary banking services
To supply inputs and equipments to farmers
To provide assistance in the marketing of their products
To maintain god owns
To help in the overall development of villages in its area
To extend credit and all other banking services
INTERNATIONAL BANKING
INTERNATIONAL BANKING
INTERNATIONAL BANKING (Indian)