S

BUSINESS ASPECTS IN

BANKING AND INSURANCE

COMMERCIAL BANK V/S CO-OPERATIVE BANK

-SYBMS B

LALA LAJPAT RAI COLLEGE OF COMMERCE

PRESENTED BY:-

VIKRAM SINGH 1112210

VISHAL HIRANANDANI

SAURABH DOSHI

ASHUTOSH BISANI

CO-OPERATIVE BANK

INTRODUCTION

Cooperative banking  is retail and commercial banking organized on a cooperative basis.

Cooperative banking institutions take deposits and lend money in most parts of the world.

Cooperative banking systems are also usually more integrated than credit union systems

CO-OPERATIVE BANK HISTORY IN INDIA

The Anyonya co-operative bank in India is considered to have been the first cooperative bank in Asia.

Cooperative banks are an important constituent of the Indian financial system.

The origins of the cooperative banking movement in India can be traced to the close of nineteenth century.

DECCAN CO-OPERATIVE BANK

The Deccan Merchants Co-operative Bank Ltd. (DMCB) was founded in 1917 by  Shri. Chintamanrao Samant.

The Deccan Merchant bank is in the business for the past 92 years.

ADVANTAGES OF A CO-OPERATIVE BANK

Service motive.

Owned by the members.

Friendly relationship.

One member one vote policy.

Limited liabilty.

DISADVANTAGES OF A CO-OPERATIVE BANK

Not listed on the stock exchange.

Not tradable.

Limited capital.

Inefficient management.

Lack of secrecy.

COMMERCIAL BANK

INTRODUCTION

Commercial banking involves a division within a bank that focuses on business accounts and working with business owners.

Some banks may refer to these services under the term "business banking" instead of commercial banking.

The bank may offer services such as payroll processing, a way to pay your quarterly taxes, and financial planning services.

HDFC BANK

HDFC is a commercial bank of India, incorporated in August 1994, after the Reserve Bank of India allowed establishing private sector banks.

The Bank was promoted by the Housing Development Finance Corporation.

 HDFC Bank is the fifth or sixth largest bank in India by assets and the second largest bank by market capitalisation  as of February 24, 2012.

ADVANTAGES OF A COMMERCIAL BANK

Helps in day-to-day business.

Variety of services.

Electronic banking.

Online banking.

Customer satisfaction.

DISADVANTAGES OF A COMMERCIAL BANK

More expensive.

Lower interest rates.

Higher minimum deposit.

Impersonal.

Rigidity.

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