Copy of Banking Ppt 100220083221 Phpapp01

8/3/2019 Copy of Banking Ppt 100220083221 Phpapp01

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Basic Definition: A system of trading moneywhich:

provides a safe place to save excess cash,known as deposits.

supplies liquidity to the economy by loaningthis money out to help businesses grow andto allow consumers to purchase consumerproducts, homes, cars etc.


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Institutions which deals in money and credit. An intermediary, which handles other

peoples money both for their advantage andto its own profits.

A financial institution that links the flow of

funds from savers to the users. Plays an important role in the economy of

any country as they hold the saving of thepublic.


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Central Bank: The Reserve Bank of India is the

central Bank that is fully owned by the Government Public Sector Banks: State Bank Group, Regional

rural banks

Private Sector Banks: Foreign Banks, Scheduledand Non- Scheduled Banks

Co-operative Sector: State Co-operative Banks,Central Co-operative Banks, Primary AgricultureCredit Societies

Development Banks/Financial Institutions: IDBI,ICICI, NABARD


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Issue of banknotes (promissory notes issued by abanker and payable to bearer on demand)

Processing of payments by way of telegraphictransfer, internet banking or other means

Issuing bank drafts and bank cheques Accepting money on term deposit

Lending money by way of overdraft, installmentloan or otherwise


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Issue of money, in the form of banknotes andcurrent accounts subject to cheque or

payment at the customer's order. Settlement of payments. Credit quality improvement Maturity transformation


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Bank marketing is the aggregate of functions,directed at providing services to satisfy

customers financial (and other related) needsand wants, more effectively and efficientlythan the competitors keeping in view theorganizational objectives of the bank.


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The existence of the bank has little valuewithout the existence of the customer.

Aim is not only to create and win more and

more customer but also to retain themthrough effective customer service.

Appropriate promise to a customer through arange of services (products) and also toensure effective delivery through satisfactionis important.


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Identifying the most profitable markets nowand in future;

Assessing the present and future needs of

customers; Setting business development goals and

making plans to meet them Managing the various services and

promoting them to achieve the plans Adapting to a changing environment in the

market place.


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Designed after taking into account the strengthsand weaknesses of the organization.

bank with clientele from various segments could

think of market penetration by offering theexisting range of services to existing customers.

Bank which are not facing acute competitioncould think of Market Development by

offering the existing services to new customers. design new product range for their customers of

various segments


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Banks deal with individuals, group of personsand corporates

More or less homogenous groups in terms oftheir needs and expectations. Market segments, targeting one or more

segments, developing products andmarketing programs tailor-made for thesesegments.


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Services Sector Household Sector

Marginal Low Income Middle Income High Income


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External Marketing Internal Marketing


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Advertising

Publicity

Sales Promotion

Personal Selling

Push and Pull Strategies


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Follows 80-20 Parato principal Bankers need to understand the rural

psychology

Employing local literate youth for confidencebuilding Banker must be aware of agriculture aspects,

cultural and communal aspects, institutionalfacilities etc.

Process of change should be known to him Status of various development plans should be

known


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R:Retail Business for Rural Community As(Consumer & Producer)

U: Urban facilities, Investment, InfrastructureR: Animal Husbandry & Allied ActivitiesA: Agri Production(Field Crops, Plantation)L: Linkages & Synergy


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Copy of Banking Ppt 100220083221 Phpapp01

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