Presented by

BANCO

STORY BEHIND WORD ‘BANK’

• BANCO = BENCH

• HOW BANK IS STARTED?

WHAT IS BANK

FUNCTION OF BANK

History of bank IN INDIA

BANK OF HINDUSTAN

THREE BANK• BANK OF BENGAL

• BANK OF BOMBAY

• BANK OF MADRAS

FORMATION OF SBI

FORMATION OF SBI

TYPES OF BANK

BANK

DEVELOPMENT BANK

CENTRAL BANK

COMMERCIAL BANK

BANKS

COMMERCIAL BANK

NON- SCHEDULE BANKSCHEDULE BANK

NATIONALISATION OF BANK

• IMAGE: Indira Gandhi’s decision to go ahead with the nationalization of banks helped her gain support. Here, the former PM is seen during a Congress parliamentary party meeting in New Delhi on July 17, 1969

NISA• NATIONALISE - 19• IDBI - 1• SBI - 1• AS SOCIATE - 5• TOTAL NO OF PUBLIC SECTOR OF BANK - 26

PUBLIC SECTOR BANK

SCHEDULE BANK

PRIVATE SECTOR BANK

INDIAN PRIVATE

FOREIGN PRIVATE

PUBLIC SECTOR BANK

NDTL•DL .eg.CASA• TL. eg.FD/RD

RBI

OFFICES

• HEAD OFFICE : MUMBAI ZONAL OFFICE : KOLKATA MUMBAI DELHI CHENNAI

POST IN RBI

• GOVERNOR : PRESENT

DEPUTY GOVERNOR

• ANAND SINHA • K.C CHAKARBORTI• URJIT PATEL• HR.KHAN

FUNCTION OF RBI

• ISSUE OF CURRENCY• BANKER’S BANK• GOVERONMENT BANK• MAINTAIN OF FOREIGN CURRENCY• LENDER OF LAST RESORT• MONETRY POLICY OF CREDIT CONTROL

ISSUE OF CURRENCY

• PRS SYSTEM

• MRS SYSTEM 2OO CR BALANCE

Printing press and mints in India

MONITORY POLICY

• INSTRUMENTSCRRSLRREPO RATEREVERSE REPO RATEMSF

MESURMENT OF MONEY SUPPLY

MONEY(M0)

M2

M4M3

M1

ROUGH WORK

OTHER TYPES OF MONEY

• NEAR MONEY• HOT MONEY OR HARD MONEY or HARD

MONEY or DEAR MONEY• CHEAP MONEY or soft money• FIAT MONEY• BLACK MONEY• NARROW MONEY • BROAD MONEY

CAR

SEGMENTATION OF BANKING

UNIVERSAL BANKING RETAIL BANKING WHOLE SALE BANKING OFFSHORE BANKING NARROW BANKING

CAMELS RATING

LOAN• 90- day not paying installment-NPA• 9O-180 days- standard NPA• 180-1 YEAR-sub standard NPA• 1-3 YEAR doubtful asset• After 3 year –loss bad debit

SARFAESI ACT 2002

HIERARCHY OF PROBLEM SOLVING IN BANK

NEGOTIABLE INSTRUMENT

ABCD of cheque

TYPES OF CEQUE

• BEARER CHEQUE• ORDER CHEQUe• OPEN CHEQUE• CROSSED CHEQUE

BEARER CHEQUE

ORDER CHEQUE

CROSSED CHEQUE

OPEN CHEQUE

CATEGORIZATION OF CHEQUE

STALE CHEQUE

• 2.Stale cheque: A cheque which is issued today must be presented before bank within a stipulated period. After expiry ,no payment will be made and then it is

MULTILATED CHEQUE

• In case cheque is torn into two or more pieces and presented for payment such cheque is called mutilated cheque. The bank will not make payment against such cheque without getting confirmation of drawer

Post –dated cheque

• Cheque on which drawer mention a date which is subsequent to date on which it presented