Welcome

What Is bank ?What Is bank ?

A Banker or bank is a financial institution whose primary A Banker or bank is a financial institution whose primary activity is to act as a payment agent for customers and to activity is to act as a payment agent for customers and to borrow and lend moneyborrow and lend money

An institution where one can place and borrow money and An institution where one can place and borrow money and take care of financial affairs. A branch office of such an take care of financial affairs. A branch office of such an institutioninstitution

The first modern bank was founded in Italy in Genoa in The first modern bank was founded in Italy in Genoa in 1406, its name was (Bank of St.George).1406, its name was (Bank of St.George).

WHAT IS BANK?WHAT IS BANK?

Do any one know The Do any one know The Functions Of Bank ?Functions Of Bank ?

Functions of BanksFunctions of Banks Accepting Deposits from public/others (Deposits) Accepting Deposits from public/others (Deposits)

Lending money to public (Loans) Lending money to public (Loans)

Transferring money from one place to another Transferring money from one place to another (Remittances).(Remittances).

Acting as trusteesActing as trustees Keeping valuables in safe custody.Keeping valuables in safe custody. Government business. Government business.

TYPES OF BANKS TYPES OF BANKS Public sector BanksPublic sector Banks Private sector BanksPrivate sector Banks

Co-operative BanksCo-operative Banks

Development Bank/Financial Development Bank/Financial institutionsinstitutions

Public sector Banks Public sector Banks Some Public Sector Banks in India:Some Public Sector Banks in India:

Central Bank of IndiaCentral Bank of India Corporation Bank Corporation Bank Dena BankDena Bank Bank of IndiaBank of India Indian Overseas BankIndian Overseas Bank Oriental Bank of CommerceOriental Bank of Commerce Punjab & Sind BankPunjab & Sind Bank

Private sectors Banks Private sectors Banks Old generation private banksOld generation private banks New generation private banksNew generation private banks

ICICI Bank ICICI Bank IDBI BankIDBI Bank Axis BankAxis Bank

o Foreign banks operating in IndiaForeign banks operating in India o CITI BANKCITI BANK o ABN-AMRO BANKABN-AMRO BANKo HSBC BANKHSBC BANKo STANDARD CHARTED BANKSTANDARD CHARTED BANK

CO-OPERATIVE BANKS CO-OPERATIVE BANKS The Co operative banks in India started functioning almost 100 The Co operative banks in India started functioning almost 100

years ago. The Cooperative bank is an important constituent of years ago. The Cooperative bank is an important constituent of the Indian Financial System. They are setup to provide easy loans the Indian Financial System. They are setup to provide easy loans to farmers or other persons to set up his business to farmers or other persons to set up his business

They are non profitable banks. They are non profitable banks. Co-operative banks in India finance rural areas under :Co-operative banks in India finance rural areas under :

Farming Farming CattleCattle MilkMilk Hatchery Hatchery Personal FinancePersonal FinanceSome example of co-operative banks in India-Some example of co-operative banks in India- IDBI BANK(INDUSTRIAL DEVELOPMENT BANK OF INDIA)IDBI BANK(INDUSTRIAL DEVELOPMENT BANK OF INDIA) IFCI BANK(INDUSTRIAL FINANCE COOPERATION OF INDIA) IFCI BANK(INDUSTRIAL FINANCE COOPERATION OF INDIA) APEX BANKAPEX BANK

WHO CONTROLS OVER BANKS ??WHO CONTROLS OVER BANKS ??

The Reserve Bank of India The Reserve Bank of India (RBI)(RBI)

History:-History:- Become operational on April 1,1935 Become operational on April 1,1935

Nationalized in the Year 1949.Nationalized in the Year 1949.

Major objectives:-Major objectives:- Regulate the issue of banknote.Regulate the issue of banknote.

Maintain reserves with a view to securing monetary stability.Maintain reserves with a view to securing monetary stability.

To operate the credit and currency system of the country to its To operate the credit and currency system of the country to its advantage. advantage.

Functions Of RBIFunctions Of RBIThe functions are classified into three heads:-The functions are classified into three heads:-

Traditional functions Traditional functions

Promotional functions Promotional functions

Supervisory functionsSupervisory functions

Traditional functionsTraditional functions Monopoly of currency notes issue Monopoly of currency notes issue

Banker to the Government (both the central and state) Banker to the Government (both the central and state)

Fight against economic crisis and ensures stability of Fight against economic crisis and ensures stability of Indian economy.Indian economy.

Controller of ForEx and credit Controller of ForEx and credit

Maintaining the external value of domesticMaintaining the external value of domesticcurrencycurrency

Promotional functions Promotional functions Extension of the facilities for the small scale industriesExtension of the facilities for the small scale industries

Innovating the new banking business transactions.Innovating the new banking business transactions.

Extension of the facilities for the provision of the Extension of the facilities for the provision of the agricultural credit through NABARDagricultural credit through NABARD

  Supervisory functionsSupervisory functions

Granting licence to Banks. Granting licence to Banks.

Periodical review of the work of the Periodical review of the work of the commercial banks.commercial banks.

  Control the non-banking finance corporation. Control the non-banking finance corporation.

Ways AheadWays Ahead Technological Advancement Technological Advancement

Rural BankingRural Banking

Improving Risk Management Improving Risk Management

Developing a flexible model for rapid Developing a flexible model for rapid scale-up at optimal costscale-up at optimal cost

FACTS AND FIGURESFACTS AND FIGURES • Indian banking sector has 6Indian banking sector has 6thth rank in all over the world. rank in all over the world.• SBI has 6500+ ATMs all over the country. SBI has 6500+ ATMs all over the country. • ICICI bank has 3500+ ATMs all over the country. ICICI bank has 3500+ ATMs all over the country. • RBI had printed 6,39,948 lakhs crore notes till 6RBI had printed 6,39,948 lakhs crore notes till 6THTH Nov 2008 Nov 2008• IN Indore SBI has 45+ ATMs . IN Indore SBI has 45+ ATMs . • SBI provides the facility and it is tie with 9200+ banks to use SBI provides the facility and it is tie with 9200+ banks to use

their ATMs. their ATMs. • Acc. To business magazine survey the no. of ATMs grew 28% Acc. To business magazine survey the no. of ATMs grew 28%

yearly. yearly. • Inspite of it India has 23+ ATMs per million people, Inspite of it India has 23+ ATMs per million people, • China has 55+ ATMs and South Korea has 1600+ ATMs per China has 55+ ATMs and South Korea has 1600+ ATMs per

million people. million people. • Transaction done through ATMs is around 70,000 crore in a Transaction done through ATMs is around 70,000 crore in a

year. year. ICICI bank has largest no. branches in foreign also. ICICI bank has largest no. branches in foreign also.

Queries??Queries??