This document provides information about banking and money. It defines money and describes the primary and secondary functions of money. It also defines banks and discusses the origin of banking in Italy in 1157 and India in 1770. The document outlines the various functions of commercial banks like receiving deposits, lending, and creating money. It discusses the importance of commercial banks for capital formation and implementing monetary policy. The document also describes the different types of banks in India like public sector banks, private sector banks, foreign banks, and cooperative banks. It provides information about the Reserve Bank of India, its roles, and history of nationalization.

1. Presented by:- presented to:-
RUCHI SHARMA Mrs. ALKA SWAMI

3. Definition-Any medium of exchange that
has recognized value.
Functions of Money-Primary Function
Secondary Function
Money stock in India

4. Definition –An organization that makes loans
and keep customers money for them.
Origin Of Banking- Italy in 1157
Banking In India- Bank Of Hindustan-1770

5.  Receiving Deposit from the public.
 Making loans and advances.
 Creation and destruction of money.
 Issuing of bank draft , travelers cheque .
Importance of a commercial Bank
 Capital formation.
 Implementation of effective
Monetary policy.
 Act as the link between organized
& unorganized sector.

6.  Reserve Bank Of India-Nationalized in
1949
 Banking Regulation Act - 1949

7.  Chain Banking Mixed Banking
 Deposit Banking Group Banking
 Rural Banking Merchant Banking
 Industrial Banking Correspondent Bank
 Saving Banking
 Unit Banking
 Agriculture Banking
 Branch Banking
 Exchange Banking

8. Public sector
S.b.i
Nationali
zed
RRBs
Private sector
scheduled
INDIAN BANKS
Foreign
Banks
Non-
scheduled

9.  It was established in 1935 on the
recommendation of the Hilton Young
Commission.
 It was Nationalised in 1949.
 It is the apex Bank in India , with
headquarters situated in Mumbai.

10.  Issue of currency.
 Banker to Government.
 Banker’s Bank Mr. D. Subbarao
 Custodian of Foreign Exchange Reserve.
 Controller of credit.

11.  State Bank Of India
 State Bank Of Bikaner n Jaipur
 State Bank Of Indore (merged in 2010)
 State Bank Of Travancore
 State Bank Of Patiala
 State Bank Of Hyderabad
 State Bank Of Mysore
 State Bank Of Saurashtra (merged in 08) Mr. O.P. Bhatt
Chairman

12. Established in 1963 by an Act of
Indian Parliament
In 1982 it came to be known as NABARD
Bank for agriculture and rural
development.
Mr. Sarangi
chairman

13. 
The co-operative banking structure in India is
divided into following main 5 categories :
1. Primary Urban Co-op Banks:
2. 2. Primary Agricultural Credit Societies:
3. District Central Co-op Banks:
4, State Co-operative Banks:
5. Land Development Banks:

14.  Introduction
Grameen Bank (GB) has reversed conventional
banking practice by removing the need for
collateral and created a banking system based on
mutual trust, accountability, participation and
creativity. GB provides credit to the poorest of the
poor in rural Bangladesh..
History:The origin of Grameen Bank can be
traced back to 1976 by Prof. Muhammad
Yunus.

15. objectives

16.  Financial sector reforms
 Credit risk management

17. Annual Net Profit
Public Sector Banks
Year/Bank 2006 2007 2008 2009 2010
SBI 4,406.67 4,541.31 6,729.12 9,121.23 9,166.05
PNB 1,439.31 1,540.08 2,048.76 3,090.88 3,905.36
BOB 1,050.07 1,026.46 1,435.52 2,227.20 3,058.33
Private Sector Banks
Year/Bank 2006 2007 2008 2009 2010
ICICI 2,540.07 3,110.22 4,157.73 3,758.13 4,024.98
HDFC Bank 1,115.94 1,382.54 1,590.18 2,244.94 2,948.70
Axis Bank 485.08 659.03 1,071.03 1,815.36 2,514.53

18. QUANTITATIV
E
BANK RATE
CRR
SLR
QUALITATIVE
MARGIN
REOUIRME
NT
DIRECT
ACTION

19.  ATM ’s
 MOBILE BANKING
 SMS BANKING
 NET BANKING

20.  Regional Imbalance
 Bad and doubtful debts
 Profit ability ratio has not improved much
 Lack of expertise.

21.  S.B.I And Associates
 Private Banks
 Scheduled Urban Co operative Banks
 Indian Bank Abroad
 Foreign Bank
 Loan Companies

22. Bank takeovers- ICICI Bank has recently take
Over Rajasthan Bank
Bank Mergers - State Bank of India proposes
to merge its five remaining subsidiaries with
itself over the next 12-18 months
Budget-2011 Impact - banking licenses to
Indian banks to ensure the expansion of
banking sector in size and turnover

23.  S.B.I and BSNL ties up - SBI tied up with Airtel
and BSNL to launch mobile money transfer in
India.
 State Bank of India has tied up with SREI
Sahaj, a subsidiary of Srei Infrastructure that
operates several broadband enabled Common
Service Centers in India, in the states of West
Bengal, Bihar, Assam, Uttar Pradesh, Orissa
and Tamil Nadu

24.  Loans
 Jobs
 Entrepreneurship opportunities

26. ANY
? ? ? ? ? ? ? ? ? ? ? ?
QURIES