How Bank Works
7 likes4,472 views
Banks are able to lend more money than they have on deposit because they create money through the lending process, which benefits the overall economy. Banking works because of consumer trust - people feel safer depositing money in banks rather than keeping it at home, and banks are insured up to a certain amount in case of failure. Banks make money through the spread between lower interest rates on deposits and higher interest rates on loans.
1 of 8
Recommended
Assignment of banking
Assignment of bankingKhushboo Gupta The document discusses the steps involved in credit appraisal and disbursal. It begins by providing an overview of credit appraisal, which involves evaluating a customer's creditworthiness and ability to repay a loan. It then describes the credit appraisal process, which includes receiving an application, documents, site visits, risk checks, valuation reports, proposal preparation, sanctioning, and disbursement. Key factors considered are character, capacity and collateral of the borrower. The document also briefly discusses types of loans and credit before detailing the loan administration and pre-sanction process.
Consumer perception towards j&k bank by s surjeet singh
Consumer perception towards j&k bank by s surjeet singhSurjeet Singh Sodhi This project was done by me under cheif marketing manager of J&K bank,the study was conducted by me in both rular and urban areas of srinagar to kmow consumer perception towards products and services of J&KBANK
E banking in india
E banking in indiaharpreet030303 The document discusses the history and types of e-banking and online banking services. It defines e-banking as the automated delivery of traditional banking products and services through electronic channels. It describes different types of online banking websites and services, from informational sites to fully transactional sites that allow funds transfers. The document also discusses debit cards, credit cards, smart cards, and ATM cards as payment methods. It provides an overview of the growth of internet banking in India and reviews literature on evaluations of major bank websites and the history of online banking services.
HDFC bank project report
HDFC bank project reportPritesh Radadiya For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
Mobile banking project
Mobile banking projectArfan Afzal The document discusses mobile banking services offered by various banks in Pakistan, including Standard Chartered Bank, Muslim Commercial Bank, and an overview of what mobile banking is and its importance. Standard Chartered Bank offers Breeze mobile banking, SMS banking, and alerts through their mobile app while Muslim Commercial Bank allows customers to check balances, make payments, and view statements through SMS. Mobile banking is presented as an important technology for controlling costs, providing convenience, and increasing financial inclusion in Pakistan given the large number of mobile users compared to bank account holders.
Mobile banking
Mobile bankingAkshay Kumar Mobile banking allows customers to perform financial transactions through a mobile device application connected to their bank accounts. It provides services like balance checks, funds transfers, bill payments, and transaction alerts. Banks promote mobile banking to improve customer service and satisfaction while reducing operating costs. From the customer perspective, mobile banking offers convenience of accessing bank accounts anytime, anywhere. Security measures include encrypting transmissions, user IDs, PINs, and OTPs. While services vary between banks, most major banks in India offer basic mobile banking services for free or low fees.
SUMMER INTERNSHIP PROJECT
SUMMER INTERNSHIP PROJECTShashank Gupta HDFC Bank was incorporated in 1994 in Mumbai, India and aims to be the preferred banking provider. It has over 1416 branches and 3382 ATMs across India. The most popular product is the savings account, used by 44% of customers. 30% of customers open accounts due to special offers while credibility and staff play important roles. The internship project analyzed HDFC Bank's products and services and found that savings accounts are most common, with ATMs being the most used digital service. It provided recommendations such as decreasing fees and improving knowledge of digital banking.
airtel payments bank presentation 
airtel payments bank presentation Himanshu Jangir brief presentation on airtel payments bank in india
new small finance banks and payments banks
new licenced banks
Indian Overseas Bank Sip Report Loans And Advances Management
Indian Overseas Bank Sip Report Loans And Advances ManagementICFAI BUSINESS SCHOOL The report deals with a clear understanding of the lending procedures followed by Indian Overseas Bank. It not only explains the basic concepts and the terminologies used in the banking sector but also gives an insight into the legal aspects and the paper work required for final sanction of a loan proposal.
idbi bank
idbi bankRahul Sogani This document is a project study report submitted for a Master's degree. It examines customer awareness of retail banking products at IDBI Bank. The report includes an introduction, background on the organization, research methodology, analysis and findings from surveys conducted, as well as conclusions and recommendations. It discusses nationalizing India's banking sector in 1969 and the liberalization of the 1990s that increased competition. The report aims to analyze customer satisfaction with IDBI Bank's products and services and identify opportunities to improve awareness of their wealth management offerings.
A STUDY ON LOANS AND ADVANCES PROVIDED BY THE INDIAN BANK ZONAL OFFICE, TRICHY
A STUDY ON LOANS AND ADVANCES PROVIDED BY THE INDIAN BANK ZONAL OFFICE, TRICHYIAEME Publication The present study consists of the performance of loans and advances. The data utilized for the study is primary in nature. Last decade has witnessed many changes in the banking industry. This study indicates the effect of the loans and advances on the Indian Economy. Banks mainly make profit from the difference of interest received and loans paid. Nowadays banks are performing the number of functions in addition to its two main function lending and accepting deposits. Banks grant loans in order to satisfy the growing credit needs of the different sections of the society but since the private banks are profit making organization thus they have profit making dimension added to the advances granted by them. In this study the focus is mainly on the movement of Loans and advances of the Indian Bank, Crawford Branch by analyzing the present data.
Questionnaire for bank customers
Questionnaire for bank customersHirfan Ullah It's sample Questionnaire for bank customers to know their strength and weekness of bank.Customer Satisfaction Questionnaire to know their mindset.
Mobile banking
Mobile bankingDharmik This document discusses a student's project on mobile banking. It begins by thanking various organizations and individuals who supported the project, including the University of Mumbai, the project guide Prof. Vinita Pimpale, the principal and B.B.I coordinator who allowed the project. It then includes a declaration by the student that the project information is true and original, and a certificate signed by the project guide confirming the same.
Business of Banking
Business of BankingFloyd Saunders This is a overview of the business of banking, including retail, business and investment banking. We have also included introductions to other financial services like credit cards, credit rating agencies, mutual funds and the business processes used to process loan transactions, credit card payments, and a range of other banking services and products. Useful for anyone who would like an overview of the banking industry. Downloads will be allowed for 30 days. After that you can contact me if you would like the file.
MBA Final Year Project on Financial Inclusion
MBA Final Year Project on Financial InclusionMuhammad Mehdi This document provides a project report on recent initiatives taken for banking the unbanked in Nagpur District, Maharashtra, India. The report was submitted to Rashtrasant Tukdoji Maharaj Nagpur University by Muhammad Mehdi for his MBA degree in financial management. The report includes an acknowledgement section thanking various individuals and organizations for their support and guidance. It also includes a declaration and certificate confirming the original work. The report consists of 7 chapters including introduction, objectives of the study, literature review, research methodology, data analysis, findings and conclusions, and suggestions. The introduction provides background on financial inclusion in India and Nagpur district. The objectives are to assess implementation of initiatives like Swabh
Customer satisfaction survey on banks
Customer satisfaction survey on banksashwanibharadwaj1 The document presents a study on customer satisfaction with banks in India. It outlines the objectives to analyze attributes that influence customer satisfaction and compare satisfaction levels between public and private sector banks. The study uses a survey methodology to collect primary data from 120 bank customers in Hyderabad on their satisfaction with initial experiences, service delivery, relationships, and more across various banks.
100 marks topics for banking and insurance projects
100 marks topics for banking and insurance projectsbanking-insurance Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Delivery Channels in Banking
Delivery Channels in BankingNanda Mohan Shenoy Brick and mortar branches remain an important delivery channel for banks, though their number is declining. Other prominent channels include ATMs, call centers, internet and mobile banking which allows services via apps, USSD, SMS and social media. Emerging channels are kiosks, micro ATMs which function similar to POS machines, Aadhaar-enabled payment systems (AEPS) and unified payment interface (UPI) which allow inter-bank fund transfers. Voice banking using IVR was not very successful. Wearable devices may also become a future channel. Traditional channels are evolving through automation, integration and addition of new services to meet customers' changing preferences in the digital age.
31911477 internet-banking-project-documentation
31911477 internet-banking-project-documentationSwaroop Mane This document provides an acknowledgement and thanks various individuals who contributed to the completion of a project on an online banking system. It expresses gratitude to the college for providing the opportunity to conduct the project and thanks the project guide for their flexibility, guidance and support. An IT officer from SBI is also thanked for sharing their expertise. Finally, friends and family are thanked for their encouragement and help in completing the project.
Summer internship at axis bank
Summer internship at axis bankshifali123 This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Payment bank & airtel payment bank
Payment bank & airtel payment bankPrincesspallavi Mishra This document provides an outline of topics related to payment banks in India. It defines payment banks as stripped-down commercial banks that aim to reach customers through mobile phones rather than branches. The key objectives of payment banks are to increase financial inclusion for underbanked groups. Payment banks can accept deposits up to 1 lakh rupees per customer, issue debit cards, and charge fees for services, but cannot engage in lending. Major players setting up payment banks in India include Airtel and Paytm.
Retail banking ppt
Retail banking pptAmit Saini Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
Hdfc project
Hdfc projectsukesh gowda HDFC Bank began operations in 1995 with a mission to be a world-class Indian bank. It has since grown to have over 761 branches across 327 cities in India as of March 2008. The bank focuses on using the latest technology like centralized processing units, electronic straight-through processing, data warehousing, and CRM to improve efficiency and provide innovative products. Some key strategies that have contributed to its success include developing a strong national network, focusing on retail and transaction banking, and maintaining high asset quality.
Mobile banking
Mobile bankingSagar Anand Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
PERCEPTION TOWARDS CURRENT ACCOUNTS OF HDFC BANK
PERCEPTION TOWARDS CURRENT ACCOUNTS OF HDFC BANKAnkur Mittal This document is a project report submitted for a Master's degree in Business Administration. It examines customer satisfaction levels and perceptions of current accounts at HDFC Bank in Panipat City, India. The project was supervised by Mr. Yoginder Kataria and submitted by Ankur Mittal. It includes an acknowledgement, executive summary, table of contents, and introduction to the banking industry and HDFC Bank. The report aims to understand customer profiles, preferences, and satisfaction regarding HDFC Bank's current account products and services in Panipat City.
gold loan as a short term finance
gold loan as a short term finance9409072101 The document discusses a summer training project report submitted by Keyur M Upadhyay to Shree Sahajanand Institute of Management on the topic of customer perception of gold loans as a source of short-term financing. It includes sections on declarations, certificates, executive summaries, prefaces, acknowledgements, tables of contents, company overviews, descriptions of gold and gold loans, research objectives and methodologies.
Dhaka bank
Dhaka bankMegh Balok This document is an internship report submitted by Fida Hossain analyzing the financial performance of Dhaka Bank Limited from 2010-2012. The report includes an overview of Dhaka Bank, a description of the internship responsibilities, an analysis of key financial ratios, and recommendations.
Quality of online banking services a comparative study of sbi & icici bank
Quality of online banking services a comparative study of sbi & icici bankKarishma Prajapati a research is conducted on the quality of online banking services of SBI & ICICI bank in india. A small survey is conducted with 50 limited respondents.
Banking Basics PowerPoint
Banking Basics PowerPointemurfield Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
Banking ppt
Banking pptRahul Mailcontractor This document provides an overview of the banking system in India. It defines banking and outlines the key laws and institutions that govern banking operations, including the Reserve Bank of India Act and the Banking Regulation Act. It describes the structure of banks in India, categorizing them as commercial banks, cooperative banks, and development banks. It provides details on the various types of commercial banks, cooperative banks, and development banks in India. It also summarizes the major functions and roles of the Reserve Bank of India in regulating the banking system.
More Related Content
What's hot (20)
Indian Overseas Bank Sip Report Loans And Advances Management
Indian Overseas Bank Sip Report Loans And Advances ManagementICFAI BUSINESS SCHOOL The report deals with a clear understanding of the lending procedures followed by Indian Overseas Bank. It not only explains the basic concepts and the terminologies used in the banking sector but also gives an insight into the legal aspects and the paper work required for final sanction of a loan proposal.
idbi bank
idbi bankRahul Sogani This document is a project study report submitted for a Master's degree. It examines customer awareness of retail banking products at IDBI Bank. The report includes an introduction, background on the organization, research methodology, analysis and findings from surveys conducted, as well as conclusions and recommendations. It discusses nationalizing India's banking sector in 1969 and the liberalization of the 1990s that increased competition. The report aims to analyze customer satisfaction with IDBI Bank's products and services and identify opportunities to improve awareness of their wealth management offerings.
A STUDY ON LOANS AND ADVANCES PROVIDED BY THE INDIAN BANK ZONAL OFFICE, TRICHY
A STUDY ON LOANS AND ADVANCES PROVIDED BY THE INDIAN BANK ZONAL OFFICE, TRICHYIAEME Publication The present study consists of the performance of loans and advances. The data utilized for the study is primary in nature. Last decade has witnessed many changes in the banking industry. This study indicates the effect of the loans and advances on the Indian Economy. Banks mainly make profit from the difference of interest received and loans paid. Nowadays banks are performing the number of functions in addition to its two main function lending and accepting deposits. Banks grant loans in order to satisfy the growing credit needs of the different sections of the society but since the private banks are profit making organization thus they have profit making dimension added to the advances granted by them. In this study the focus is mainly on the movement of Loans and advances of the Indian Bank, Crawford Branch by analyzing the present data.
Questionnaire for bank customers
Questionnaire for bank customersHirfan Ullah It's sample Questionnaire for bank customers to know their strength and weekness of bank.Customer Satisfaction Questionnaire to know their mindset.
Mobile banking
Mobile bankingDharmik This document discusses a student's project on mobile banking. It begins by thanking various organizations and individuals who supported the project, including the University of Mumbai, the project guide Prof. Vinita Pimpale, the principal and B.B.I coordinator who allowed the project. It then includes a declaration by the student that the project information is true and original, and a certificate signed by the project guide confirming the same.
Business of Banking
Business of BankingFloyd Saunders This is a overview of the business of banking, including retail, business and investment banking. We have also included introductions to other financial services like credit cards, credit rating agencies, mutual funds and the business processes used to process loan transactions, credit card payments, and a range of other banking services and products. Useful for anyone who would like an overview of the banking industry. Downloads will be allowed for 30 days. After that you can contact me if you would like the file.
MBA Final Year Project on Financial Inclusion
MBA Final Year Project on Financial InclusionMuhammad Mehdi This document provides a project report on recent initiatives taken for banking the unbanked in Nagpur District, Maharashtra, India. The report was submitted to Rashtrasant Tukdoji Maharaj Nagpur University by Muhammad Mehdi for his MBA degree in financial management. The report includes an acknowledgement section thanking various individuals and organizations for their support and guidance. It also includes a declaration and certificate confirming the original work. The report consists of 7 chapters including introduction, objectives of the study, literature review, research methodology, data analysis, findings and conclusions, and suggestions. The introduction provides background on financial inclusion in India and Nagpur district. The objectives are to assess implementation of initiatives like Swabh
Customer satisfaction survey on banks
Customer satisfaction survey on banksashwanibharadwaj1 The document presents a study on customer satisfaction with banks in India. It outlines the objectives to analyze attributes that influence customer satisfaction and compare satisfaction levels between public and private sector banks. The study uses a survey methodology to collect primary data from 120 bank customers in Hyderabad on their satisfaction with initial experiences, service delivery, relationships, and more across various banks.
100 marks topics for banking and insurance projects
100 marks topics for banking and insurance projectsbanking-insurance Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Delivery Channels in Banking
Delivery Channels in BankingNanda Mohan Shenoy Brick and mortar branches remain an important delivery channel for banks, though their number is declining. Other prominent channels include ATMs, call centers, internet and mobile banking which allows services via apps, USSD, SMS and social media. Emerging channels are kiosks, micro ATMs which function similar to POS machines, Aadhaar-enabled payment systems (AEPS) and unified payment interface (UPI) which allow inter-bank fund transfers. Voice banking using IVR was not very successful. Wearable devices may also become a future channel. Traditional channels are evolving through automation, integration and addition of new services to meet customers' changing preferences in the digital age.
31911477 internet-banking-project-documentation
31911477 internet-banking-project-documentationSwaroop Mane This document provides an acknowledgement and thanks various individuals who contributed to the completion of a project on an online banking system. It expresses gratitude to the college for providing the opportunity to conduct the project and thanks the project guide for their flexibility, guidance and support. An IT officer from SBI is also thanked for sharing their expertise. Finally, friends and family are thanked for their encouragement and help in completing the project.
Summer internship at axis bank
Summer internship at axis bankshifali123 This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Payment bank & airtel payment bank
Payment bank & airtel payment bankPrincesspallavi Mishra This document provides an outline of topics related to payment banks in India. It defines payment banks as stripped-down commercial banks that aim to reach customers through mobile phones rather than branches. The key objectives of payment banks are to increase financial inclusion for underbanked groups. Payment banks can accept deposits up to 1 lakh rupees per customer, issue debit cards, and charge fees for services, but cannot engage in lending. Major players setting up payment banks in India include Airtel and Paytm.
Retail banking ppt
Retail banking pptAmit Saini Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
Hdfc project
Hdfc projectsukesh gowda HDFC Bank began operations in 1995 with a mission to be a world-class Indian bank. It has since grown to have over 761 branches across 327 cities in India as of March 2008. The bank focuses on using the latest technology like centralized processing units, electronic straight-through processing, data warehousing, and CRM to improve efficiency and provide innovative products. Some key strategies that have contributed to its success include developing a strong national network, focusing on retail and transaction banking, and maintaining high asset quality.
Mobile banking
Mobile bankingSagar Anand Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
PERCEPTION TOWARDS CURRENT ACCOUNTS OF HDFC BANK
PERCEPTION TOWARDS CURRENT ACCOUNTS OF HDFC BANKAnkur Mittal This document is a project report submitted for a Master's degree in Business Administration. It examines customer satisfaction levels and perceptions of current accounts at HDFC Bank in Panipat City, India. The project was supervised by Mr. Yoginder Kataria and submitted by Ankur Mittal. It includes an acknowledgement, executive summary, table of contents, and introduction to the banking industry and HDFC Bank. The report aims to understand customer profiles, preferences, and satisfaction regarding HDFC Bank's current account products and services in Panipat City.
gold loan as a short term finance
gold loan as a short term finance9409072101 The document discusses a summer training project report submitted by Keyur M Upadhyay to Shree Sahajanand Institute of Management on the topic of customer perception of gold loans as a source of short-term financing. It includes sections on declarations, certificates, executive summaries, prefaces, acknowledgements, tables of contents, company overviews, descriptions of gold and gold loans, research objectives and methodologies.
Dhaka bank
Dhaka bankMegh Balok This document is an internship report submitted by Fida Hossain analyzing the financial performance of Dhaka Bank Limited from 2010-2012. The report includes an overview of Dhaka Bank, a description of the internship responsibilities, an analysis of key financial ratios, and recommendations.
Quality of online banking services a comparative study of sbi & icici bank
Quality of online banking services a comparative study of sbi & icici bankKarishma Prajapati a research is conducted on the quality of online banking services of SBI & ICICI bank in india. A small survey is conducted with 50 limited respondents.
Viewers also liked (20)
Banking Basics PowerPoint
Banking Basics PowerPointemurfield Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
Banking ppt
Banking pptRahul Mailcontractor This document provides an overview of the banking system in India. It defines banking and outlines the key laws and institutions that govern banking operations, including the Reserve Bank of India Act and the Banking Regulation Act. It describes the structure of banks in India, categorizing them as commercial banks, cooperative banks, and development banks. It provides details on the various types of commercial banks, cooperative banks, and development banks in India. It also summarizes the major functions and roles of the Reserve Bank of India in regulating the banking system.
Project about banking
Project about bankingparthiban40 The document provides information on banking in India. It defines banking as accepting deposits that are repayable on demand for the purpose of lending and investment. It discusses the key functions of commercial banks like accepting deposits and lending. It also outlines the banking system in India, including the roles of the Reserve Bank of India and State Bank of India. Major trends in the banking sector include the rise of electronic payments and digital banking services like internet banking, mobile banking, and real-time fund transfers.
Banking system ppt
Banking system pptLohith Lohi The document summarizes the evolution of the banking system in India. It describes the old banking system from 1786 to 1969 which involved manual documentation and few services. It then discusses the nationalization of banks from 1969 to 1991. Finally, it outlines the new banking system post-1991 reforms involving increased technology usage through tools like core banking solutions, ATMs, and online services that have improved customer experience but also introduced new risks like hacking and phishing.
Banking System Presentation
Banking System PresentationACCENT Trading The Deposit Management System is one of the products in our Deposit Management Suite Suite. It can seamlessly integrated with our Branch Delivery System or Tellering System
The Deposit Management System is the core application of the proposed system from our Company. It houses all major information such as Customer Information, Accounts, Products and performs major processes such as Inclearing, Interest Computation, Service Charging and Reports Generation.
Our Branch Delivery System provides the branches, the major interface to the Deposit Management System. Data stored in this application are mostly used for security, enabling the front-end system to perform transaction validations (i.e. Access rights and limits checking) before the actual transaction is forwarded to the Host.
Under the system, the bridge shall only act as a pass-through between the Branch Delivery System and the Deposit Management System.
Financial regulation
Financial regulationNaresh Gautam The document discusses financial regulation and why it is important, focusing on regulations for banks. It addresses eight categories of banking regulations: (1) government safety nets like FDIC insurance that aim to protect depositors but can encourage moral hazard; (2) restrictions on asset holdings and capital requirements to reduce risk; (3) bank supervision through chartering and examinations; (4) assessing risk management; (5) disclosure requirements to provide transparency; (6) consumer protections; (7) restrictions on competition (now eliminated); and (8) lessons from the 1980s financial crisis when deregulation increased risks. While regulations aim to promote stability, they also sometimes introduce new problems or are insufficient to prevent crises.
Floating dict presentation_04
Floating dict presentation_04Mohammed Attia The document proposes a method for automatically updating an Arabic lexical database by detecting and lemmatizing unknown words from a large Arabic corpus. It develops a morphological guesser for Arabic unknown words that handles prefixes, suffixes, clitics, and relevant morphological alterations. The method is tested and evaluated on a corpus of over 1 billion words compiled from the Arabic Gigaword corpus and Al-Jazeera news articles. The complexity of Arabic morphology, including roots, patterns, inflections and clitics, poses challenges for lemmatizing unknown words.
Bank Work Portfolio
Bank Work PortfolioAbhijeet Kumar The document lists various web development projects completed by Pronto Infotech including virtual banking portals, loyalty portals, events portals, credit card sections, e-sourcing engines, document management portals, recruitment portals, test portals, and email marketing. It also includes links to company profile presentations on advertising, digital presence, technology, SEO, and mobile games/applications as well as team strength numbers.
Popularity of internet banking
Popularity of internet bankingBoris Naorem This document is a project submitted by Naorem Boris Singh for their B.Com degree at Shri Ram College of Commerce in Delhi, India. The project examines the popularity of internet banking in India. It includes an index, executive summary, research methodology, and chapters on the history of banking in India, internet banking features and role, the scenario of internet banking in India, the pros and cons of internet banking, a case study on State Bank of India, and conclusions. The project was conducted under the supervision of Sudhanshu and does not have any commercial implications.
Keys to Successful Workplace Banking (Bank at Work)
Keys to Successful Workplace Banking (Bank at Work)David Kerstein Workplace Banking is designed to expand the reach of a bank’s distribution network by creating a proactive sales strategy that efficiently acquires new customers, and cross sells to existing customers. It addresses strategic challenge banks are facing today: Need for revenue growth, but customers shifting away from branches, which have been traditional source of acquisition and cross sell.
How to earn bitcoin
How to earn bitcoinString Nguyen | Top Voice Watch the video Bitcoin tutorial here: https://youtu.be/n2SATyAGNzA via Meerkat
Register for an upcoming one day digital conference on micro Bitcoin
https://stringstory.typeform.com/to/Kge13G
Module 44 exchange rates and macroeconomic policy
Module 44 exchange rates and macroeconomic policyAmerican School of Guatemala This document discusses three issues related to exchange rates and macroeconomic policy: devaluation and revaluation of fixed exchange rates, monetary policy under floating exchange rates, and international business cycles. It explains that devaluation increases exports and revaluation decreases exports under a fixed exchange rate regime. For floating rates, it describes how monetary policy affects exchange rates and aggregate demand. It also notes how recessions can spread between countries through trade links and the impact of exchange rate regimes.
Roles & functions of various types of banks
Roles & functions of various types of banksAbhishek Rane This document outlines the roles and functions of various types of banks in India. It discusses commercial banks that accept deposits and provide loans and financial services. It notes that commercial banks can be public sector banks that are majority government owned or private sector banks that are privately owned. It also describes regional rural banks that provide credit to small farmers and laborers, cooperative banks that finance rural development, and the central bank that issues currency, regulates foreign exchange, and develops the financial system.
bank transaction system
bank transaction systemBhavika Pathak This document is a synopsis report for a Bachelor of Computer Application degree submitted by Sunita Joshi to IGNOU University in Delhi. The synopsis proposes developing a banking transaction system to automate a bank's transaction processing and provide information to bank employees and customers. It includes sections on system analysis, design, implementation details using Java programming and JDBC for database connectivity, and testing methodology.
Electronic and mobile banking
Electronic and mobile bankingBilal Malick This document discusses electronic and mobile banking. It provides an overview of how electronic banking allows customers to access banking services through electronic channels without time or geographic limitations. Mobile banking allows customers to perform banking transactions through a mobile device like checking balances and transferring funds. The document then outlines the evolution of electronic and mobile banking from early online services in the 1980s to modern services. It discusses the advantages for banks, businesses, and customers in using these services and some potential disadvantages like security and fraud risks. Finally, the document discusses regulations and adoption of these services in India.
E banking
E bankingApeksha Bhatkar E-banking allows customers to perform basic banking transactions electronically around the clock from anywhere in the world. It involves viewing account details, paying bills, and transferring money via the internet. While e-banking provides benefits like convenience and low costs, it also faces challenges regarding security, start-up costs, and the need for trained personnel and maintenance. Banks are working to address security issues and provide safe online banking services.
RETAIL BANKING 
RETAIL BANKING DEEPAK DODDAMANI The document discusses retail banking in India. It notes that retail banking refers to banking services offered directly to individual consumers rather than corporations, including savings accounts, loans, credit/debit cards. Indian retail banking is growing rapidly due to increasing consumerism, internet usage, and new banking companies/technology. Banks are adopting strategies from retail stores, such as improved customer service, customized products, and using data to better understand customer needs.
Online banking ppt
Online banking pptVishnu V S Online banking allows customers to conduct financial transactions through a financial institution's website. It requires internet access, registration with the institution, and a username and password. Features include viewing account balances and transactions, downloading statements, ordering checks, and transferring funds between linked accounts. To use online banking, customers access the institution's website, enter their login credentials, make transactions, and log out securely. Common attacks are phishing and pharming, which try to steal login data. Financial institutions use digital certificates, virus scanners, and caution with downloads to counter security risks of online banking.
The Future or Everyday Banking
The Future or Everyday BankingPrototype Interactive We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Similar to How Bank Works (20)
Commercial Bank and It's functions - Economics
Commercial Bank and It's functions - EconomicsLauhityaaAshwinKumar This document provides information about commercial banks and their functions. It begins with an introduction to the topic and statement of purpose. It then defines banks and introduces commercial banks, explaining their role as trusted guardians of money, sources of stability, and catalysts for economic growth. The document outlines the primary, secondary and other functions of commercial banks. It distinguishes between commercial banks, central banks and other specialized banks. It also explains different types of bank credits like personal loans, mortgages, business loans and more.
Introduction to Banking
Introduction to BankingDr.Subha B The document provides an introduction to banking, describing what banks do such as accepting deposits, lending money, and offering other services. It explains the primary functions of banks, which include accepting deposits like savings, fixed, and current accounts, and granting loans like overdrafts, cash credits, and term loans. Various types of deposits, loans, and other banking services are defined and described in detail.
Banking Law and Practice - Part 3
Banking Law and Practice - Part 3sathukarthi A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
Ch 12
Ch 12Nathan Bateman The document discusses various types of financial institutions and how they operate. It describes how commercial banks offer services like checking and savings accounts and make profits by charging higher interest rates on loans than paid on deposits. It also explains how savings and loan associations originally focused on savings accounts and home loans but now offer more services, and how credit unions are nonprofit banks that offer members low-interest loans and high rates on savings.
BUSINESS SERVICES - additional unit 3.pptx
BUSINESS SERVICES - additional unit 3.pptxssuseradf76a1 1. The service sector is growing faster than agriculture and industry. Services have become a major business area.
2. Services are intangible, inconsistent, cannot be inventoried earlier for later consumption, and require customer involvement.
3. Banking services include savings accounts, current accounts, recurring deposits, fixed/time deposits, and multiple option deposits. Digital payment methods are also widespread.
4. Insurance involves the insured paying a premium to the insurer to cover against losses from uncertainties according to principles like utmost good faith and indemnity. Common types are life, fire, marine, and health insurance.
Money and Credit Class 10 - Venkat Soneesh
Money and Credit Class 10 - Venkat SoneeshVenkatSoneesh Maney and credit class 10 ppt well presented
#ppt
#money and credit
#economics
#social
#powerpointpresentation
Interim Reportfinal(Komal Maheshwari)
Interim Reportfinal(Komal Maheshwari)Axis Bank This document is a report on the overall banking operations of Axis Bank Ltd submitted by Komal Maheshwari. It discusses the four main types of banking - central banking, retail banking, commercial banking, and investment banking. It then provides details about Axis Bank, including its revenue, branches, ATMs, and employees. The report describes the various products and services offered by Axis Bank like credit cards, accounts, corporate banking, insurance, and mortgage loans. It also explains the process of opening accounts, cash management procedures, and closing of accounts at Axis Bank.
SERVICE MARKETING CHARACTERSTICS IN BANKING SECTOR
SERVICE MARKETING CHARACTERSTICS IN BANKING SECTORanonymous Assignment on SERVICE MARKETING CHARACTERISTICS IN BANKING SECTOR
SERVICE CHARACTERISTICS
Intangibility
Inconsistency
Inseparability
Perishability
2 2 banking_functions_of_banks
2 2 banking_functions_of_banksDharm veer Singh The document discusses various types of banks and their functions. It provides details about commercial banks, exchange banks, industrial banks, agricultural banks, savings banks, and central banks. It explains that central banks serve important roles like being the sole note-issuing authority, government banker, lender of last resort, and credit controller in order to promote monetary and financial stability. Commercial banks perform key functions like accepting deposits, providing loans, and facilitating credit creation and economic development through their activities.
Ppt by shorya garg for class 11 bst
Ppt by shorya garg for class 11 bstShoryaGarg2 (1) The document is a project submitted by Shorya Garg of class XI B to his teacher Vinita Kalra on the topic of banking. (2) It provides definitions and explanations of different types of bank accounts including current accounts, savings accounts, fixed deposits, recurring deposits, and multi-option deposits. (3) It also describes various types of loans and advances offered by banks such as overdrafts, cash credits, loans, and bill discounting.
Advantages of-banking-and-finance
Advantages of-banking-and-financeblogroyaltyuniverse Banking and finance deals with more than tracking spending and income, including insurance, retail banking, investment banking, and accounting. Banks safeguard money and valuables, provide loans and payment services like checking accounts. Banking is integral to economies and provides protection from stolen money. It allows salary deposits and payments through debit/credit cards instead of cash. Having a bank account makes getting loans easier and improves your credit score. Banking also offers investment management and growth of wealth through experienced professionals.
Ch 12
Ch 12Urbana High The document provides an overview of money and financial institutions. It defines money and describes its key functions and characteristics. It then discusses various types of financial institutions like banks, credit unions, and the Federal Reserve System. Banks offer services like deposits, withdrawals, loans, and interest. The Federal Reserve System acts as the central bank and regulates the money supply and banking system in the US.
Presentation on Banking
Presentation on BankingMayank Sahu 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.
Islamic Finance Presentation
Islamic Finance PresentationSyed Aman Shah The document compares Islamic finance and conventional banks. Islamic banks adhere to Shariah law and prohibit interest, instead operating via profit-and-loss sharing models like mudarabah. They emphasize project viability over creditworthiness. Conventional banks use interest and focus on maximizing profits without religious restrictions. The document then provides details on Meezan Bank, the largest Islamic bank in Pakistan, including its products, services, and Shariah governance structure.
Deposit schemes
Deposit schemesDharmik This document contains guidelines from the Reserve Bank of India (RBI) regarding know-your-customer (KYC) procedures and monitoring of cash transactions for banks in India. It outlines requirements for banks to establish customer identity and monitor suspicious transactions. Key points include obtaining proper identification for new accounts, completing KYC procedures for existing accounts, issuing demand drafts and money transfers over Rs. 50,000 only by debit to accounts, monitoring cash withdrawals and deposits over Rs. 10 lakhs, and reporting such cash transactions and suspicious activity to controlling offices. The guidelines aim to prevent money laundering and terrorist financing through strict KYC norms and monitoring of large cash transactions.
WHAT IS A BANK, CLASSIFY AND DISCUSS BANKS.
WHAT IS A BANK, CLASSIFY AND DISCUSS BANKS.Hiba shaikh & Varda shaikh WHAT IS A BANK, CLASSIFY AND DISCUSS BANKS.
Bank: a bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets.
FMI UNIT 3 PPT.pdf
FMI UNIT 3 PPT.pdfGokilavaniS3 This document discusses banking and non-banking financial institutions. It provides information on the types of banking institutions such as commercial banks, savings and loans associations, and credit unions. It also discusses non-banking financial institutions like insurance companies, pension funds, and hedge funds. The document further describes banking and non-banking financial institutions, their regulations, types, and differences between public and private sector banks.
Private banks & Public banks
Private banks & Public banksSachin Raj Public sector banks are owned by the government, while private sector banks are owned by private individuals or groups. Interest rates are typically lower for public sector banks compared to private sector banks. Public sector banks are considered more secure since they are run by the government of India, while there is a higher risk of fraud with private banks. Private banks can make business decisions and launch new products/services more quickly than public sector banks which require government approval.
Cash credit presnetation 
Cash credit presnetation Hrashita01 The complete analysis of Cash Credit given by Bank. The ppt covers topics like definition, objectives,advantages, disadvantages,Drawing Power, calculation of Interest and Drawing power
Recently uploaded (20)
Frontline Tech Deep Dive by Reach Capital
Frontline Tech Deep Dive by Reach Capitalvalentina623092 A $4T market is hiding in plain sight. AI is transforming frontline work in real time — and this is the moment for founders and investors to lean in.
Business Model of Inter Cars S.A.: Strategies and Operations
Business Model of Inter Cars S.A.: Strategies and OperationsInterCars Business Model of Inter Cars S.A.: Strategies and Operations
Insights into strategies and operations of a market leader
TriStar Gold April 2025 Corporate Presentation
TriStar Gold April 2025 Corporate PresentationAdnet Communications TriStar Gold April 2025 Corporate Presentation
Intelligent-Cryptocurrency-VIP.Presentation
Intelligent-Cryptocurrency-VIP.PresentationOzias Rondon Intelligent Cryptocurrency VIP provides exclusive access to premium video courses, expert insights, and a private member area. Members receive monthly video updates about the latest crypto events, market analyses, and technical insights, as well as a comprehensive beginners course covering blockchain technology and trading strategies.
MSS-Revolutionize-Your-Spending.Presentation
MSS-Revolutionize-Your-Spending.PresentationOzias Rondon Discover the ultimate system for transforming your finances: M.S.S (Money Saving System) is a revolutionary approach to spending smarter and saving more. Gain lifetime access to a secure member area packed with practical video courses, financial planning tools, and exclusive tips for managing your budget, cutting unnecessary expenses, and achieving long-term wealth. Whether you're just starting your financial journey or want to optimize your spending habits, this all-in-one system will guide you toward smarter, more intentional money management.
Top Executives in India with Highest Salaries in 2024
Top Executives in India with Highest Salaries in 2024Roshan Rai Discover the top five highest-paid executives in India for FY24, featuring Abhay Bhutada of the Poonawalla Group who received a record-breaking salary. This presentation covers executive compensation details, leadership impact, and contributions across major industries.
US Stocks Slump After White House Expands China Tariffs, Dr Tran Quoc Bao
US Stocks Slump After White House Expands China Tariffs, Dr Tran Quoc BaoIgnite Capital US Stocks Slump After White House Expands China Tariffs
By Dr. Trần Quốc Bảo FMVA, CMSA, CBCA, CPWA, CFTe | CNN, April 8, 2025
Wall Street experienced significant volatility on April 8, 2025, as US stocks sharply declined in the afternoon following a brief recovery earlier in the day. The sharp reversal was driven by news from the White House about the imposition of substantial new tariffs on Chinese goods, stoking concerns about an escalation in the US-China trade war.
The Dow Jones dropped 320 points, or 0.84%, while the S&P 500 fell 1.57%, and the Nasdaq Composite sank 2.15%. The S&P 500 closed at its lowest level in nearly a year, with both the Dow and Nasdaq recording their lowest closes since January 2024. This decline followed the White House’s announcement that President Trump would impose an additional 84% tariff on all imports from China, bringing the total tariff on Chinese goods to at least 104%. Despite a strong morning rally, where the S&P 500 and Nasdaq gained 4% and 4.5%, respectively, the market reversed course sharply after this news.
At its lowest point of the day, the S&P 500 entered bear market territory, falling 20% from its February peak, before recovering slightly to close down 18.9%. The Nasdaq, which had already been in bear market territory since last Friday, closed down 24.3% from its December high, while the Dow fell 16.4% from its 2024 peak.
“We’re not out of the woods yet, and that’s dampening optimism,” said Thomas Martin, portfolio manager at Globalt Investments.
The VIX, Wall Street’s fear gauge, surged, reflecting investor anxiety. "Extreme fear" was the prevailing sentiment in the market, according to CNN's Fear & Greed Index.
The Psychology of Money How Your Mindset Shapes Your Wealth By Tom Leydiker
The Psychology of Money How Your Mindset Shapes Your Wealth By Tom LeydikerTom Leydiker The Psychology of Money How Your Mindset Shapes Your Wealth By Tom Leydiker
Wikivoyage - Dr. Tran Quoc Bao: Shaping the Future of Medical Tourism in Ho C...
Wikivoyage - Dr. Tran Quoc Bao: Shaping the Future of Medical Tourism in Ho C...Ignite Capital Dr. Tran Quoc Bao, Chief Marketing Officer of City International Hospital, continues to set new standards in healthcare, not just in Vietnam, but across Asia. Recognized as one of Asia's Top 10 Best and Most Influential Hospital CEOs, Dr. Bao is a visionary leader whose innovative approach is transforming the healthcare landscape in Ho Chi Minh City.
As the city’s healthcare sector expands, Dr. Bao has positioned City International Hospital as a frontrunner in providing world-class care. His leadership has been instrumental in establishing the hospital as a top destination for both local and international patients, combining advanced medical technology with a focus on patient-centered care. With a deep understanding of the healthcare market and the needs of a growing population, Dr. Bao has created an environment where cutting-edge treatments are accessible, affordable, and tailored to the needs of patients.
Under Dr. Bao’s guidance, City International Hospital has invested in state-of-the-art facilities, bringing the latest in medical technology and specialized care to Ho Chi Minh City. The hospital serves as a hub for not only routine healthcare but also specialized treatments in areas such as cardiology, oncology, and orthopedics. It has become a beacon of excellence, attracting medical tourists from across the globe.
Dr. Bao’s success goes beyond medical innovation; his strategic approach to business development and patient experience has set the hospital apart. By focusing on both the quality of care and the comfort of patients, he has created a healthcare environment where international patients feel at home. His dedication to continuous improvement and his ability to stay ahead of healthcare trends have made City International Hospital a leading institution in Vietnam.
As Ho Chi Minh City grows as a destination for both business and tourism, Dr. Tran Quoc Bao’s leadership is playing a pivotal role in shaping the future of healthcare. His work not only enhances the quality of life for local residents but also elevates the city's reputation as a global healthcare hub.
Capital Budgeting Techniques of Pricipe managerial finance
Capital Budgeting Techniques of Pricipe managerial financenursafur Capital Budgeting Techniques of Pricipe managerial finance
Top Five Business Leaders with Highest Earnings in 2024
Top Five Business Leaders with Highest Earnings in 2024Harsh Mishra Explore the top-earning business leaders in India for FY24, including Abhay Bhutada whose salary reached ₹241.21 crore. The presentation highlights their roles, achievements, and how their leadership influenced company growth and success.
Lundin Gold - April 2025 Corporate Presentation
Lundin Gold - April 2025 Corporate PresentationAdnet Communications Lundin Gold - April 2025 Corporate Presentation
Crypto-Investing-Unleashed-The-Keystone-Investors-Club-Experience
Crypto-Investing-Unleashed-The-Keystone-Investors-Club-ExperienceOzias Rondon Keystone Research Group offers a comprehensive member area and video courses designed to educate individuals about cryptocurrency. The program includes in-depth research, educational content on blockchain technology, trading strategies, risk management, and market analysis, aiming to equip members with the knowledge to navigate the crypto market confidently.
Presentation on fiscal policy by Asif ppt 07-09.pptx
Presentation on fiscal policy by Asif ppt 07-09.pptxuobdRydh A project on economics for presentation
Public finance (ch 2 Subject matters of public finance)
Public finance (ch 2 Subject matters of public finance)Liban41 It gives an overview of what public finance focuses on
How Bank Works
- 1. HOW BANK WORK By : Prashanth Naik
- 2. Introduction Bank functions because of our trust. Banks can legally extend considerably more credit than they have cash. Why do we feel better about having our money in a bank than we do having it under a mattress? -conveniences of electronic banking
- 3. What it is a Bank? A bank is an institution that deals in money and its substitutes and provides other financial services. Banks accept deposits and make loans and derive a profit from the difference in the interest rates paid and charged, respectively. Banks create money in the economy by making loans.
- 4. How lending money affects the economy?
- 5. Why does banking work? Banking is all about trust . Banks consistently extend more credit than they have cash. In the event of a bank failure, your money is protected as long as the bank is insured by the Insurance Corporation The key to the success of banking, however, still lies in the confidence that consumers have in the bank's ability to grow and protect their money.
- 6. How do banks make money?
- 7. How your money continue to earn money when it is in bank?