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MONEY,BANKING& FINANCIAL MARKETS

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mbfm ppt

  1. 1. PRESENTATION ON MONEY,BANKING& FINANCIAL MARKETS
  2. 2. TOPIC:”COMMERCIAL BANKING”
  3. 3. INTRODUCTION “Commercial Banking is the banking system which deals in providing funds and lending money for the commercial purposes and activities. Commercial banking is established in order to promote the commercial activities like buying and selling of goods in the country. The objective of commercial bank is to make profit. ”
  4. 4. BANK,BANKER AND BANKING BANK: A bank is a financial institution which primary deals with accepting money and lending the same to the needy. BANKER: Banker refers to a particular individual who undertakes to carry on the functions of a bank. BANKING: Banking refers to the activities undertaken by bank to carry on its operations.
  5. 5. DEFINITION OF BANKING The American Definition: By “Banking” we mean the business of dealing in credits and by a “bank” we include every person, firm or company having a place of business where credits are opened by the deposits or collection of money or currency, subject to be paid or remitted on draft, check or order, or money is advanced or loaned on stocks,bonds,bullion,bills of exchange or promissory notes are received for discount or sale. Hart’s Definition: Dr.Herbert L. Hart, the author of well- known treatise, Law of Banking says “A banker is one who in ordinary course of his business,honours cheques drawn upon him by persons from for he receives money on current accounts.”
  6. 6.  TYPES OF BANKS Commercial Banks Co-operative Banks Specialized Banks
  7. 7. Commercial Banks: Commercial banks are joint stock companies dealing in money and credit. Co-operative Banks: Co-operative banks are a group of financial institutions organized under the provisions of the Co-operative Societies Act of the states. Specialized Banks: Specialized banks are foreign exchange banks, industrial banks, development banks, export-import banks catering to specific needs of these unique activities. These banks provides financial aid to industries, heavy turnkey projects and foreign trade.
  8. 8. MEANING AND DEFINITION OF A COMMERCIAL BANK: Commercial banks are institutions that primarily accept deposits and extend credit to serve customer and corporate needs for capital. It creates credit by making by making advances out of the funds received and thus mobilizes the savings in the economy. Commercial banks are primary vehicles through which credit and monetary policies are transmitted to the economy.
  9. 9. FUNCTIONS OF COMMERCIAL BANKING TRADITIONAL FUNCTIONS MODERN FUNCTIONS
  10. 10. TRADITIONAL FUNCTIONS ACCEPTING DEPOSITS -Deposits in Current Account -Deposits in Savings Account -Deposits in Fixed Account LENDING OF FUNDS -Money at Call and Short Notice -Advances -Cash Credit -Discounting of Bills
  11. 11. MODERN FUNCTIONS -INTERMEDIATION FUNCTION -TRANSACTION SERVICES -TRANSFORMATION SERVICES -OTHER FINANCIAL SERVICES
  12. 12. INTERMEDIATION FUNCTION: Commercial banks play a vital role in the process of financial intermediation where funds or savings of the surplus sectors are channeled to deficit sectors. TWO TYPES OF INTERMEDIARY SERVICES— BROKERAGE ASSET TRANSFORMATION
  13. 13. TRANSACTION SERVICES: Commercial banks offer three types of transaction services such as- banks convert deposits into notes and coins to enable holders of deposits to carry out transactions in cash, bank deposits are used as a means of settling debts, in the absence of exchange controls, banks exchange cash and deposits from one currency into cash and deposits of another currency.
  14. 14. TRANSFORMATION SERVICE -Payment and Settlement System -Real-time Gross Settlement
  15. 15. OTHER FINANCIAL SERVICE -Advisory Services -Transaction Support -Custodial Services
  16. 16. ON THE BASIS OF OPERATION -BRANCH BANKING -UNIT BANKING
  17. 17. ADVANTAGES OF BRANCH BANKING -DISTRIBUTION OF CAPITAL -HUGE RESOURCES -DIVERSIFICATION -ECONOMY DISADVANTAGES OF BRANCH BANKING -RED TAPE -LOCAL ISSUES -CONCENTRATION OF RESOURCES
  18. 18. ON THE BASIS OF SCOPE OF OPERATION -NARROW BANKING -UNIVERSAL BANKING
  19. 19. ON THE BASIS OF OTHER SYSTEMS -CORRESPONDENT BANKING -GROUP BANKING -CHAIN BANKING -DEPOSIT BANKING -INVESTMENT BANKING -MIXED BANKING
  20. 20. THE STRUCTURE OF BANKING SYSTEM IN INDIA -PUBLIC SECTOR BANKS -PRIVATE SECTOR BANKS -CO-OPERATIVE SECTOR BANKS -DEVELOPMENT BANKS
  21. 21. CREDIT PLANNING IN INDIA -EXPANSION OF RURAL BRANCHES -CREDIT EXPANSION -CREDIT GUARANTEE SCHEMES FOR SMALL SCALE INDUSTIES -DISTRICT CREDIT PLAN -SERVICE AREA APPROACH
  22. 22. WEAKNESSES OF CREDIT PLANNING IN INDIA -It is difficult for the commercial banks to identify the-small and marginal farmers and the small-scale and cottage industries, to evaluate their needs properly, to distribute loans equitably, monitor their use and finally recover them. -Political pressure plays a hand in the distribution of bank loans to the weaker sections. -The “social banking” responsibilities of the commercial banks are one of the major factors for the poor financial position of commercial banks.
  23. 23. THANK YOU

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