Bank biography by suman shekhar
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Transcript of Bank biography by suman shekhar
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Presented by
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BANCO
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STORY BEHIND WORD ‘BANK’
• BANCO = BENCH
• HOW BANK IS STARTED?
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WHAT IS BANK
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FUNCTION OF BANK
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History of bank IN INDIA
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BANK OF HINDUSTAN
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THREE BANK• BANK OF BENGAL
• BANK OF BOMBAY
• BANK OF MADRAS
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FORMATION OF SBI
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FORMATION OF SBI
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TYPES OF BANK
BANK
DEVELOPMENT BANK
CENTRAL BANK
COMMERCIAL BANK
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BANKS
COMMERCIAL BANK
NON- SCHEDULE BANKSCHEDULE BANK
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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
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NISA• NATIONALISE - 19• IDBI - 1• SBI - 1• AS SOCIATE - 5• TOTAL NO OF PUBLIC SECTOR OF BANK - 26
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PUBLIC SECTOR BANK
SCHEDULE BANK
PRIVATE SECTOR BANK
INDIAN PRIVATE
FOREIGN PRIVATE
PUBLIC SECTOR BANK
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NDTL•DL .eg.CASA• TL. eg.FD/RD
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RBI
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OFFICES
• HEAD OFFICE : MUMBAI ZONAL OFFICE : KOLKATA MUMBAI DELHI CHENNAI
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POST IN RBI
• GOVERNOR : PRESENT
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DEPUTY GOVERNOR
• ANAND SINHA • K.C CHAKARBORTI• URJIT PATEL• HR.KHAN
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FUNCTION OF RBI
• ISSUE OF CURRENCY• BANKER’S BANK• GOVERONMENT BANK• MAINTAIN OF FOREIGN CURRENCY• LENDER OF LAST RESORT• MONETRY POLICY OF CREDIT CONTROL
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ISSUE OF CURRENCY
• PRS SYSTEM
• MRS SYSTEM 2OO CR BALANCE
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Printing press and mints in India
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MONITORY POLICY
• INSTRUMENTSCRRSLRREPO RATEREVERSE REPO RATEMSF
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MESURMENT OF MONEY SUPPLY
MONEY(M0)
M2
M4M3
M1
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ROUGH WORK
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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
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CAR
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SEGMENTATION OF BANKING
UNIVERSAL BANKING RETAIL BANKING WHOLE SALE BANKING OFFSHORE BANKING NARROW BANKING
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CAMELS RATING
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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
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SARFAESI ACT 2002
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HIERARCHY OF PROBLEM SOLVING IN BANK
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NEGOTIABLE INSTRUMENT
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ABCD of cheque
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TYPES OF CEQUE
• BEARER CHEQUE• ORDER CHEQUe• OPEN CHEQUE• CROSSED CHEQUE
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BEARER CHEQUE
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ORDER CHEQUE
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CROSSED CHEQUE
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OPEN CHEQUE
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CATEGORIZATION OF CHEQUE
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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
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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
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Post –dated cheque
• Cheque on which drawer mention a date which is subsequent to date on which it presented
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