RB_Aug 24

63
7/24/2019 RB_Aug 24 http://slidepdf.com/reader/full/rbaug-24 1/63 109 207 246 D 1 255 255 255 1 131 56 155 D 2 0 99 190 2 85 165 28 A 1 214 73 42 A 2 185 175 164 A 3 151 75 7 A 4 193 187 0 A 5 255 221 62 A 6 255 255 255 236 137 29 127 175 221 B 50% 203 215 238 B 25% 179 149 197 50 % 212 195 223 25 % 255 242 171 50 % 255 249 213 25 % 229 205 186 B 50 % 248 241 235 B 25 % 180 213 154 50 % 214 231 200 25 % 241 240 202 50% 251 251 241 25% C Retail Banking Concepts- An Overview Facilitator: Rajana Antony TCS Business Domain Academy, 24 th  August, 2015

Transcript of RB_Aug 24

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Retail Banking Concepts- An Overview

Facilitator Rajana AntonyTCS Business Domain Academy

24th August 2015

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Agenda

Basics of Banking

Deposits

Loans

Payment Cards

Mortgages

Risk Management

Remittances

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Basics of Banking

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What is Banking

Banking is defined as ldquoAcceptance of deposits of money from public

for the purpose of Lending or Investment repayable on demand or

otherwise and withdrawable by cheque draft or otherwiserdquo

A banking company must perform both of the essential functions

accepting of deposits

lending or investing

If the purpose of accepting of deposits is not to lend or invest then

the business will not be called as a banking business

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Sources of income for a bank

Spread Margin

Fee Based Income

Exchange transaction

Sale of investments

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Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

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983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

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983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

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D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

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255

255255

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131

56155

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0

99190

983116983145983143983144983156 2

85

16528

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214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

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255

221

62

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255

255

255

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236

137

29

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

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179149

197

983120983157983154983152983148983141 50

212195

223

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255242

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983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

214

231

200

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241

240

202

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251

251

241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

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991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

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991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 2: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Agenda

Basics of Banking

Deposits

Loans

Payment Cards

Mortgages

Risk Management

Remittances

7242019 RB_Aug 24

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109207

246

D983137983154983147 1

255255

255

983116983145983143983144983156 1

13156

155

D983137983154983147 2

099

190

983116983145983143983144983156 2

85165

28

A983139983139983141983150983156 1

21473

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Basics of Banking

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What is Banking

Banking is defined as ldquoAcceptance of deposits of money from public

for the purpose of Lending or Investment repayable on demand or

otherwise and withdrawable by cheque draft or otherwiserdquo

A banking company must perform both of the essential functions

accepting of deposits

lending or investing

If the purpose of accepting of deposits is not to lend or invest then

the business will not be called as a banking business

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Sources of income for a bank

Spread Margin

Fee Based Income

Exchange transaction

Sale of investments

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Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

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983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 3: RB_Aug 24

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109207

246

D983137983154983147 1

255255

255

983116983145983143983144983156 1

13156

155

D983137983154983147 2

099

190

983116983145983143983144983156 2

85165

28

A983139983139983141983150983156 1

21473

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Basics of Banking

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What is Banking

Banking is defined as ldquoAcceptance of deposits of money from public

for the purpose of Lending or Investment repayable on demand or

otherwise and withdrawable by cheque draft or otherwiserdquo

A banking company must perform both of the essential functions

accepting of deposits

lending or investing

If the purpose of accepting of deposits is not to lend or invest then

the business will not be called as a banking business

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Sources of income for a bank

Spread Margin

Fee Based Income

Exchange transaction

Sale of investments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

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241

240

202

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251

251

241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

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7242019 RB_Aug 24

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bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

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L Lif l

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Loan ndash Life cycle

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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7242019 RB_Aug 24

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151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 4: RB_Aug 24

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What is Banking

Banking is defined as ldquoAcceptance of deposits of money from public

for the purpose of Lending or Investment repayable on demand or

otherwise and withdrawable by cheque draft or otherwiserdquo

A banking company must perform both of the essential functions

accepting of deposits

lending or investing

If the purpose of accepting of deposits is not to lend or invest then

the business will not be called as a banking business

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Sources of income for a bank

Spread Margin

Fee Based Income

Exchange transaction

Sale of investments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 1263

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

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Loan ndash Life cycle

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983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

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991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

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991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

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236

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Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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Broad categories of Payments

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Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

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179

149

197

983120983157983154983152983148983141 50

212

195

223

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255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 5: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Sources of income for a bank

Spread Margin

Fee Based Income

Exchange transaction

Sale of investments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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255

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131

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0

99190

983116983145983143983144983156 2

85

16528

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214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

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255

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255

255

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236

137

29

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

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255242

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983129983141983148983148983151983159 50

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229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

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231

200

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202

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251

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241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 6: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of a Bank

Primary Functions

Accepting deposits

Lending

Secondary Functions

Agency Functions

Utility Functions

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

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A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

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255255

255

983112983161983152983141983154983148983145983150983147

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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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255

255

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131

56

155

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99

190

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85

165

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214

73

42

A983139983139983141983150983156 2

185

175

164

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75

7

A983139983139983141983150983156 4

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187

0

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221

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255

255

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29

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127

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203

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171

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205

186

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248

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241

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Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3663

983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

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983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

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Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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Broad categories of Payments

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Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 7: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Central Bank

Central Banks Reserve Bank of India

Federal Reserve System (FED ndash US State)

Reserve Bank of Australia

Bank of England

A Central Bank is the Apex regulatory body for Banks in a country It is responsible

for many important monetary and regulatory functions and ensures smooth

functioning of the Banking system in the country

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

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A983139983139983151983157983150983156 983137983139983139983141983155983155

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983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

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983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

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255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

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214

231

200

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241

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202

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251

251

241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

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Loan ndash Life cycle

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983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

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983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

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255

255255

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13729

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203215

238

983124983137983156983137 B983148983157983141 25

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197

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212195

223

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255242

171

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255249

213

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229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

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154

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214231

200

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241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

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255

242

171

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255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 8: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Central Bank

A central bank reserve bank or monetary authority is an

entity responsible for the monetary policy of its country or

group of member countries (as in the EU)

Its primary responsibility is to maintain the stability of the

national currency and money supply but more active

duties include controlling subsidized loan interest rates

and acting as a bailout lender of last resort to the

banking sector during times of financial crisis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

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203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

983145983150 983156983145983148983148 983150983151983154983149983137983148 983139983148983151983155983157983154983141 983151983142 983156983144983141 983148983151983137983150 983137983139983139983151983157983150983156

991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 9: RB_Aug 24

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Functions of Central bank

Currency Authority

Banker to the government

Banker to a banker

Policy Guidelines for Functioning of Banks

Regulator and Supervisor of Financial System

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Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

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255

221

62

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255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

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179

149

197

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212

195

223

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255

242

171

983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

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180

213

154

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214

231

200

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241

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202

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251

251

241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

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131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3663

983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

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bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

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Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

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214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 10: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Banks lend money borrowed in the form of Deposits after setting aside

for the mandatory requirements

Cash Reserve Ratio- CRR Each bank has to keep a certain

percentage of its total deposits with RBI as cash reserves (4)

Statutory Liquidity Ratio- SLR Amount of liquid assets such as

precious metals(Gold) or other approved securities that a financial

institution must maintain as reserves other than the cash (215)

Fractional Reserve Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

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214

73

42

A983139983139983141983150983156 2

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164

A983139983139983141983150983156 3

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7

A983139983139983141983150983156 4

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A983139983139983141983150983156 5

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A983139983139983141983150983156 6

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127

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203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

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251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

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203215

238

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179149

197

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223

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255242

171

983129983141983148983148983151983159 50

255249

213

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186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

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154

983111983154983141983141983150 50

214231

200

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241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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Broad categories of Payments

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Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

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175

221

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203

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179

149

197

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212

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255

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171

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255

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229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 11: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Banking

bull Retail banking or Consumer Banking

bull Corporate Banking or Commercial Banking

minus Corporate Accounts and Services like Bills Lease Project Finance

bull Investment Banking

minus Trading amp Advisory MampA Capital Raising amp Management

bull Private Banking or High Net worth Individual (HNI)

bull Credit Unions amp Building Societies or cooperative banks

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

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85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

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203

215

238

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179

149

197

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212

195

223

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255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

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214

231

200

983111983154983141983141983150 25

241

240

202

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251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

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255

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131

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D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

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221

62

A983139983139983141983150983156 6

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236

137

29

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127175

221

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203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

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248

241

235

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180

213

154

983111983154983141983141983150 50

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231

200

983111983154983141983141983150 25

241

240

202

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251

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983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

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991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

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Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 12: RB_Aug 24

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185175

164

A983139983139983141983150983156 3

15175

7

A983139983139983141983150983156 4

193187

0

A983139983139983141983150983156 5

255221

62

A983139983139983141983150983156 6

255255

255

983112983161983152983141983154983148983145983150983147

236137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Retail Banking

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3663

983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

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L Lif l

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Loan ndash Life cycle

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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109

207246

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255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

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85

16528

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A983139983139983141983150983156 2

185

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255242

171

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229205

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200

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241240

202

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251251

241

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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109

207246

D983137983154983147 1

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255255

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131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

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1870

A983139983139983141983150983156 5

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255255

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179149

197

983120983157983154983152983148983141 50

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223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

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154

983111983154983141983141983150 50

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200

983111983154983141983141983150 25

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202

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251251

241

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Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 13: RB_Aug 24

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Retail Banking - Introduction

983127983144983137983156 983145983155 983122983141983156983137983145983148 983106983137983150983147983145983150983143 (983122983106) 983151983154 983107983151983150983155983157983149983141983154 (983107983106) 983106983137983150983147983145983150983143

C983151983149983152983154983141983144983141983150983155983145983158983141 983138983137983150983147983145983150983143 983155983141983154983158983145983139983141983155 983156983151 983145983150983140983145983158983145983140983157983137983148983155 983151983154 983144983151983157983155983141983144983151983148983140983155

983113983156 983149983137983145983150983148983161 983139983151983150983139983141983150983156983154983137983156983141983155 983151983150 983145983150983140983145983158983145983140983157983137983148983155

983119983138983146983141983139983156983145983158983141983155 983151983142 983122983141983156983137983145983148 983106983137983150983147983145983150983143983098

983124983144983141 983151983138983146983141983139983156983145983158983141 983151983142 983154983141983156983137983145983148 983138983137983150983147983145983150983143 983145983155 983156983151 983145983150983139983154983141983137983155983141 983152983141983150983141983156983154983137983156983145983151983150 983138983161

983152983154983151983158983145983140983145983150983143 983145983150983139983154983141983137983155983145983150983143 983148983141983158983141983148 983151983142 983155983141983154983158983145983139983141983155 983137983150983140 983145983150983139983154983141983137983155983141983140 983137983139983139983141983155983155 983138983161

983151983142983142983141983154983145983150983143 983158983137983148983157983141 983137983140983140983141983140 983155983141983154983158983145983139983141983155 983156983151 983139983157983155983156983151983149983141983154983155 983138983161 983152983137983139983147983145983150983143 983156983144983141983149 983159983145983156983144

983154983141983156983137983145983148 983138983137983150983147983145983150983143 983152983154983151983140983157983139983156983155 983137983150983140 983155983141983154983158983145983139983141983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

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154

983111983154983141983141983150 50

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200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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13729

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203

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149

197

983120983157983154983152983148983141 50

212

195

223

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255

249

213

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B983154983151983159983150 50

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200

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241240

202

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 14: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Attributes amp Services

While Investment Banks and Private amp Wholesale Banks cater toBusiness Banking Retail Banks lay emphasis on Individual

Consumersrsquo banking needs

Retail Banks address banking and financial needs of customers

which include

Deposits and accounts maintenance (Savings Current Term deposits )

Loans ( Mortgage Personal etc)

Plastic currency ( credit debit cards)

Service Outlets ( ATMs Branch banking Door step banking Phone banking Electronic

Banking )

Investment Advisory Services

Mutual Funds

Custodian and Financial Services

Portfolio Management

7242019 RB_Aug 24

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

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991266 983123983157983145983156

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983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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Broad categories of Payments

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Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 15: RB_Aug 24

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Services Offered by Retail Banks

983105983124983117 983155983141983154983158983145983139983141983155983105983124983117 983155983141983154983158983145983139983141983155

A983139983139983151983157983150983156 983137983139983139983141983155983155

983120983154983141983152983137983145983140 983154983141983142983145983148983148 983142983151983154 983117983151983138983145983148983141 983141983156983139

983117983151983138983145983148983141 983106983137983150983147983145983150983143983117983151983138983145983148983141 983106983137983150983147983145983150983143

A983148983141983154983156983155

B983137983148983137983150983139983141 983116983145983149983145983156983141983140 983156983154983137983150983155983137983139983156983145983151983150983155

983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)983119983150983148983145983150983141 983106983137983150983147983145983150983143 (983113983150983156983141983154983150983141983156 983120983144983151983150983141 983113983126983122)

A983139983139983151983157983150983156 A983139983139983141983155983155

B983145983148983148 983120983137983161 983110983157983150983140 983156983154983137983150983155983142983141983154

983116983145983150983147 983137983139983139983151983157983150983156983155 (983119983150983141 983158983145983141983159 983142983151983154 983149983157983148983156983145983152983148983141 983137983139983139983151983157983150983156983155)

983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150983117983151983150983141983161 983124983154983137983150983155983149983145983155983155983145983151983150

D983141983149983137983150983140 D983154983137983142983156 983117983151983150983141983161 983119983154983140983141983154

983119983156983144983141983154983155983119983156983144983141983154983155

983123983137983142983141 983140983141983152983151983155983145983156 983148983151983139983147983141983154983155

D983141983152983151983155983145983156983151983154983161

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

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7242019 RB_Aug 24

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bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

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L Lif l

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Loan ndash Life cycle

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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7242019 RB_Aug 24

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151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 16: RB_Aug 24

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Basic Retail Banking Products

Deposit Accounts

Savings Accounts

Current Accounts

Term Deposits

Recurring Deposits

Loans

Wholesale or Corporate

Retail or Consumer

Cards

Delivery Channels

ATM Internet Banking Mobile Banking

Investments

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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httpslidepdfcomreaderfullrbaug-24 2863

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

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983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

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983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 17: RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Types of Deposit Accounts

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Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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983116983145983143983144983156 2

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185

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164

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Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

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991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

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983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 18: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Deposits

Accepting deposits from the public is one of the essential

functions of a Bank

Demand Deposits

Time Deposits

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

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255

255255

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131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

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214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

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255

221

62

A983139983139983141983150983156 6

255

255

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236

137

29

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

983145983150 983156983145983148983148 983150983151983154983149983137983148 983139983148983151983155983157983154983141 983151983142 983156983144983141 983148983151983137983150 983137983139983139983151983157983150983156

991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 19: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Deposits

Demand deposits are those which can be withdrawn by the customer

at anytime without prior notice to the bank

These deposits are maintained to meet liquidity and transactionneeds

Demand deposits are mainly divided into two categories

Savings Deposits

Current Deposits

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Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 20: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Savings Deposits

Savings Deposits are Demand Deposits ie they are repayable ondemand

Money can be deposited and withdrawn from the account at the

convenience of the customer

But there are few restrictionsexceptions on certain parameters like Number of Withdrawals

Amount of Withdrawals

These deposits carry a normal rate of interest

The balances maintained in the savings account are reflected under ldquoDemand Liabilitiesrdquo in a Bank Balance Sheet

Interest is paid to account holder every one year or half year

depending on the type of account

Interest is calculated based on the average daily minimum balance inthe account

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

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991266 983122983141983139983151983158983141983154983161

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

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(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

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109

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131

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0

99

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85

165

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214

73

42

A983139983139983141983150983156 2

185

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151

757

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127

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203

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983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 21: RB_Aug 24

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Who can Open Savings Account

Savings Account may be generally opened by

Individuals

Societies Associations Trusts and Clubs

Minors(jointly operated with Guardians)

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

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255

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983116983145983143983144983156 1

131

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0

99190

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85

16528

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214

7342

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185

175

164

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151

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7

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193

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983112983161983152983141983154983148983145983150983147

236

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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

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203215

238

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179149

197

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212195

223

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255242

171

983129983141983148983148983151983159 50

255249

213

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229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

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231

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983116983145983143983144983156 983111983154983141983141983150 50

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

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991266 983122983141983139983151983158983141983154983161

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

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(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

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131

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214

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236

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127

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203

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179

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 22: RB_Aug 24

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Mode of Operation

Savings Account can be Operated by

Single

Joint

Authorized Signatory

Minor

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Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

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983116983145983143983144983156 1

131

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0

99190

983116983145983143983144983156 2

85

16528

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214

7342

A983139983139983141983150983156 2

185

175

164

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193

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983112983161983152983141983154983148983145983150983147

236

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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

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203215

238

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179149

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212195

223

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255242

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983129983141983148983148983151983159 50

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229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

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231

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241

240

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983116983145983143983144983156 983111983154983141983141983150 50

251

251

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

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991266 983122983141983139983151983158983141983154983161

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

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(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

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214

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185

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236

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203

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179

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 23: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Current Accounts

Current account deposits are Demand Deposit meaning that they are repayable on

demand

The Current account is a running account on which cheques may be drawn and money

gets credited

A customer is free to deposit money into his account at any point of time and also

withdraw money from his account anytime subject to the condition that there is no

overdrawing without the authorisation of the officer

No interest is payable on Current Account credit balances

These non interest bearing deposits are a source of interest free funds for the bank

Current Accounts are usually opened by companies small businesses and individualsfor their day-to-day business financial transactions

Current Account can be operated either as single account or a joint account

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

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255

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131

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0

99190

983116983145983143983144983156 2

85

16528

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214

7342

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185

175

164

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151

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A983139983139983141983150983156 4

193

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983112983161983152983141983154983148983145983150983147

236

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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

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203215

238

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179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

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180

213

154

983111983154983141983141983150 50

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231

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983116983145983143983144983156 983111983154983141983141983150 50

251

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 24: RB_Aug 24

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contd

Temporary overdraft may be granted for a Current account upon a written

request from the account holder

Current accounts are generally meant for companies or other businesses to

carry out financial transactions resulting out of day to day basis and hence

there are no restrictions on the number of transactions

However to offset the cost incurred in processing the transactions banks levy

a service charge on Current account

The service charge is levied based on the number of transactions and the

average balance in the account

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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85

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185

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164

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229

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248

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180

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127

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203

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179

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212

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229205

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

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Term Deposits

Term deposit is a contract between the bank and the customer specifying the

amount of the deposit the duration of the deposit and the return on the deposit

(rate of interest)

Thus it is a liability on the part of bank since it owes the money to the depositors

and have to pay them back after fixed time duration decided by the period of the

deposit As a result they are referred to as lsquoTime Liabilitiesrsquo

There will be a Penalty rate charged if the customer wants to withdraw before the

maturity date

Liquidity is less when compared to Demand Deposits but the interest the

customers receive is more when compared to Demand Deposits

These deposits can be classified into Fixed Deposits Recurring Deposits andFlexi-Term Deposits

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

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255

255255

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131

56155

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0

99190

983116983145983143983144983156 2

85

16528

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214

7342

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185

175

164

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151

75

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193

187

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236

137

29

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127175

221

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203215

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229

205

186

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248

241

235

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180

213

154

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231

200

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241

240

202

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251

251

241

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

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Recurring Deposit

Recurring Deposit is a special type of deposit account which

enables a depositor particularly in fixed income group to save

by paying into the account an agreed fixed sum of money

monthly over a stipulated period The deposits in this type of

account earn compound interest on quarterly basis

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Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Types of Loans

Secured loans

Unsecured loans

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

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(Cntd)

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bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 27: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Preferential Interest Rates

bull Preferential Interest rates (usually 1 extra) will be paid on deposits

made by staff of the bank

bull Even for senior citizens banks are paying preferential interest rates of

around frac12 to 1 percent extra to encourage them in making deposits withthe bank

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

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983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 28: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Payment Cards

There are three main types of payment cards

Credit card

Debit card

Prepaid card

Store cards or charge cards which are ATM-only cards (also

known as a cash machine card)

Contactless cards

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The most common ways are

In branches

Online

Over the phone

At cash machines

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207246

D983137983154983147 1

255

255255

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131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3663

983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

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bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

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bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 29: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

The most common ways are

In branches

Online

Over the phone

At cash machines

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

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L Lif l

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Loan ndash Life cycle

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991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983137983143983137983145983150983155983156 983154983145983155983147

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983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

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983138983157983154983140983141983150

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983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

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7342

A983139983139983141983150983156 2

185

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A983139983139983141983150983156 3

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983124983137983156983137 B983148983157983141 25

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983120983157983154983152983148983141 50

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223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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B983154983151983159983150 50

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200

983111983154983141983141983150 25

241240

202

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251251

241

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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7242019 RB_Aug 24

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109

207246

D983137983154983147 1

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255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

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1870

A983139983139983141983150983156 5

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22162

A983139983139983141983150983156 6

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255255

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13729

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179149

197

983120983157983154983152983148983141 50

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983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

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200

983111983154983141983141983150 25

241240

202

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251251

241

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Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

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255

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255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 30: RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175

164

A983139983139983141983150983156 3

151

75

7

A983139983139983141983150983156 4

193

187

0

A983139983139983141983150983156 5

255

221

62

A983139983139983141983150983156 6

255

255

255

983112983161983152983141983154983148983145983150983147

236

137

29

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229

205

186

B983154983151983159983150 50

248

241

235

B983154983151983159983150 25

180

213

154

983111983154983141983141983150 50

214

231

200

983111983154983141983141983150 25

241

240

202

983116983145983143983144983156 983111983154983141983141983150 50

251

251

241

983116983145983143983144983156 983111983154983141983141983150 25

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

Loans

983122 983156 983145983148 B 983147983145 C 983156

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

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Loan ndash Life cycle

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991266 983105983152983152983154983137983145983155983137983148

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

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983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

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A983139983139983141983150983156 3

151

757

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203215

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983124983137983156983137 B983148983157983141 25

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255242

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B983154983151983159983150 25

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983111983154983141983141983150 25

241240

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251251

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Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

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255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

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255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

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B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 31: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Loans

One of the major activities of the bank is to lend funds to the borrowers

such as traders business and industrial enterprises

Loan is money advanced to a borrower to be repaid at a later date with

interest

Loans account form the largest chunk of interest earning asset held by

banks They are broadly classified as

Demand Loans

Term Loans

983108983141983149983137983150983140 983116983151983137983150983155

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Types of Loans

Secured loans

Unsecured loans

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983123983157983145983156

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983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

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983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

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A983139983139983141983150983156 5

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A983139983139983141983150983156 6

255

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236

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127175

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203215

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983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

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255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

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983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 33: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Secured loans

Secured loans A loan is secured when a borrower is asked to pledge

assets to the lender as security or collateral for the loan

If the value of the collateral falls below a certain proportion of the loan

amount the lender may ask you to top up the collateral (by pledging

more assets)

If you cannot repay your loan the lender can sell off these assets torecover the money owed

If the money from the sale is not enough to recover what you owe you

have to make up the amount (shortfall) still outstanding

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

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bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

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L i Lif l

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Loan processing ndash Life cycle

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L Lif l

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Loan ndash Life cycle

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983137983143983137983145983150983155983156 983154983145983155983147

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983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

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983138983157983154983140983141983150

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983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

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Individual

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109

207246

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255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

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7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

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A983139983139983141983150983156 6

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983120983157983154983152983148983141 50

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223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

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B983154983151983159983150 50

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B983154983151983159983150 25

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200

983111983154983141983141983150 25

241240

202

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251251

241

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

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1870

A983139983139983141983150983156 5

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22162

A983139983139983141983150983156 6

255

255255

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13729

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203215

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179149

197

983120983157983154983152983148983141 50

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223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

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213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

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200

983111983154983141983141983150 25

241240

202

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251251

241

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Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 34: RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Unsecured loans

Unsecured loans For unsecured loans the borrower

does not provide any assets to the lender as security for

the loan

Interest rates for such loans tend to be higher

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

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991266 983122983141983139983151983158983141983154983161

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

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bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

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983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

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Of C

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

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What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

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983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

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983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 36: RB_Aug 24

7242019 RB_Aug 24

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983120983154983145983151983154983145983156983161 983155983141983139983156983151983154 983118983151983150 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 983116983141983150983140983145983150983143 991251 983116983141983150983140983145983150983143 983156983151 983156983144983141 983159983141983137983147983141983154 983155983141983139983156983145983151983150983155 983151983142 983156983144983141

983155983151983139983145983141983156983161

bull 983116983151983137983150983155 983137983140983158983137983150983139983141983140 983156983151 983142983137983154983149983141983154983155 983123983117E 983138983157983155983145983150983141983155983155 983155983141983148983142 983141983149983152983148983151983161983141983140

983152983154983151983142983141983155983155983145983151983150983137983148983155 983141983140983157983139983137983156983145983151983150983137983148 983148983151983137983150983155 983141983156983139991270

bull 40 983151983142 983156983144983141 983138983137983150983147983155 983137983140983158983137983150983139983141983155 983156983151 983138983141 983149983137983140983141 983156983151 983152983154983145983151983154983145983156983161 983155983141983139983156983151983154

bull 983118983151983150 983120983154983145983151983154983145983156983161 983123983141983139983156983151983154 991251 983120983141983154983155983151983150983137983148 983116983151983137983150983155 983116983151983137983150983155 983142983151983154 983152983141983154983155983151983150983137983148

983139983151983150983155983157983149983152983156983145983151983150 983116983151983137983150983155 983137983143983137983145983150983155983156 983155983144983137983154983141983155 983141983156983139991270

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3763

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3863

983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

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P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

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Loan ndash Life cycle

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991266 983122983141983139983151983158983141983154983161

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

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983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

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1870

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13729

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127175

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203215

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983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

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251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 37: RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983126983141983144983145983139983148983141 983116983151983137983150983155

bull A983157983156983151 983116983151983137983150983155 991251 983118983141983159 C983137983154983155 983137983150983140 983125983155983141983140 C983137983154983155

bull 983125983155983141983140 C983137983154983155 983154983141983153983157983145983154983141 983137983140983140983145983156983145983151983150983137983148 983155983156983141983152983155 983142983151983154 983126983137983148983157983137983156983145983151983150

bull C983137983150 983138983141 E983117983113983085983138983137983155983141983140 983151983154 983122983137983156983141983085983138983137983155983141983140

bull 983123983157983138983158983141983150983156983145983151983150983155 991251 D983141983137983148983141983154A983143983141983150983139983161

bull 983125983155983157983137983148983148983161 983144983137983158983141 983155983145983150983143983148983141 983140983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983140983141983137983148983141983154

bull 983120983151983155983156 D983145983155983138983157983154983155983137983148 D983151983139983155 983137983154983141 983157983155983157983137983148983148983161 983122C B983151983151983147 983113983150983158983151983145983139983141 983113983150983155983157983154983137983150983139983141 983154983151983137983140

983156983137983160 983154983141983139983141983145983152983156983155

7242019 RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

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Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

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Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

983145983150 983156983145983148983148 983150983151983154983149983137983148 983139983148983151983155983157983154983141 983151983142 983156983144983141 983148983151983137983150 983137983139983139983151983157983150983156

991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 38: RB_Aug 24

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983124983161983152983141983155 983151983142 983122983141983156983137983145983148 983116983151983137983150983155

983120983141983154983155983151983150983137983148 983116983151983137983150983155

bullD983151 983150983151983156 983144983137983158983141 983137983150983161 983139983151983148983148983137983156983141983154983137983148 983137983156983156983137983139983144983141983140 (C983148983141983137983150 983116983151983137983150983155)

bullC983137983150 983144983137983158983141 983155983152983148983145983156 983140983145983155983138983157983154983155983141983149983141983150983156983155 (B983137983148983137983150983139983141 983124983154983137983150983155983142983141983154)

bullD983145983155983138983157983154983155983141983149983141983150983156 983140983151983150983141 983156983151 983156983144983141 983139983157983155983156983151983149983141983154

bull983125983155983157983137983148983148983161 983155983139983151983154983145983150983143 983152983137983154983137983149983141983156983141983154983155 983137983154983141 983156983145983143983144983156983141983154

bullD983145983155983138983157983154983155983141983149983141983150983156 983145983155 983142983137983155983156983141983154 983156983144983137983150 983151983156983144983141983154 983156983161983152983141983155 983151983142 983148983151983137983150983155

bull983125983155983157983137983148983148983161 983151983142983142983141983154983141983140 983156983151 983123983137983148983137983154983145983141983140 983141983149983152983148983151983161983141983141983155

983109983140983157983139983137983156983145983151983150 983116983151983137983150 983151983154 983123983156983157983140983141983150983156 983116983151983137983150

bull983117983151983154983137983156983151983154983145983157983149 983120983141983154983145983151983140

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

P l L

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

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983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

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991266 983105983152983152983154983137983145983155983137983148

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983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

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991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

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991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

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Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 39: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 3963

Personal Loans

Personal loans are loans that a bank or other lender makes that

are not secured against any asset such as your property

Theyrsquore also known as unsecured loans Personal loans have higher rates of interest

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L i Lif l

7242019 RB_Aug 24

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Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

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Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

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983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

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983138983157983154983140983141983150

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983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

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255

255255

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13729

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223

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255242

171

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186

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248241

235

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200

983111983154983141983141983150 25

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202

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241

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Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

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7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

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99190

983116983145983143983144983156 2

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16528

A983139983139983141983150983156 1

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A983139983139983141983150983156 3

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757

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193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

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236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 40: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4063

Loan processing ndash Life cycle

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

L Lif l

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148

983137983140983158983141983154983155983145983156983145983141983155 983137983150983140 983156983144983137983156 983154983141983139983151983158983141983154983145983141983155 983137983154983141 983152983154983151983149983152983156983148983161 983139983151983149983145983150983143

983145983150 983156983145983148983148 983150983151983154983149983137983148 983139983148983151983155983157983154983141 983151983142 983156983144983141 983148983151983137983150 983137983139983139983151983157983150983156

991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 41: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4163

Loan ndash Life cycle

991266 983120983154983151983152983151983155983137983148

991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143

983156983144983141 983150983141983141983140 983142983151983154 983156983144983141 983148983151983137983150 983137983150983140 983155983157983138983155983156983137983150983156983145983137983156983141983155 983156983144983141

983137983138983145983148983145983156983161 983156983151 983154983141983152983137983161 983156983144983141 983148983151983137983150

991266 983105983152983152983154983137983145983155983137983148

991251 A983152983152983154983137983145983155983137983148 983139983144983141983139983147 983138983161 983139983154983141983140983145983138983145983148983145983156983161 983151983142 983156983144983141

983137983152983152983148983145983139983137983150983156 983155983151983157983154983139983141 983151983142 983154983141983152983137983161983149983141983150983156 983145983155 983143983151983151983140

983141983150983151983157983143983144 983156983151 983155983137983150983139983156983145983151983150 983156983144983141 983148983151983137983150 983140983141983142983137983157983148983156983141983140 983145983150

983152983154983141983158983145983151983157983155 983151983139983139983137983155983145983151983150 983154983145983155983147983161 983139983157983155983156983151983149983141983154 983141983156983139

991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)

991251 983124983144983141 983138983137983150983147 983156983137983147983141983155 983156983144983141 983139983154983141983140983145983156 983140983141983139983145983155983145983151983150 983138983137983155983141983140 983151983150

983156983144983141 983139983154983141983140983141983150983156983145983137983148983155 983151983142 983156983144983141 983137983152983152983148983145983139983137983150983156 983137983150983140 983156983144983141

983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150

991266 983108983145983155983138983157983154983155983141983149983141983150983156

991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141

983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155

991266 983117983151983150983145983156983151983154983145983150983143 (983154983141983152983137983161983149983141983150983156 983139983151983150983156983145983150983157983151983157983155 983137983155983155983141983155983155983149983141983150983156)

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991266 983122983141983139983151983158983141983154983161

991251 983113983142 983156983144983141 983139983157983155983156983151983149983141983154 983140983151983141983155 983150983151983156 983149983137983147983141 983152983137983161983149983141983150983156 983151983150 983140983157983141 983140983137983156983141983155

983142983151983148983148983151983159983085983157983152 983150983141983141983140983155 983156983151 983138983141 983149983137983140983141 983124983144983141 983142983151983148983148983151983159983085983157983152 983139983137983150 983138983141983156983141983148983141983152983144983151983150983145983139 983149983137983145983148983155 983152983141983154983155983151983150983137983148 983158983145983155983145983156983155 983138983137983155983141983140 983151983150 983156983144983141 983156983161983152983141983137983150983140 983155983141983154983145983151983157983155983150983141983155983155 983151983142 983156983144983141 983151983158983141983154983140983157983141 983152983137983161983149983141983150983156

991266 983118983151983150 983120983141983154983142983151983154983149983145983150983143 983105983155983155983141983156

991251 983113983142 983152983137983161983149983141983150983156 983145983155 983150983151983156 983154983141983139983141983145983158983141983140 983142983151983154 983149983151983154983141 983156983144983137983150 90 983140983137983161983155 983156983144983141983148983151983137983150 983145983155 983156983141983154983149983141983140 983137983155 983150983151983150 983152983141983154983142983151983154983149983145983150983143 983137983155983155983141983156 A983155 983156983144983141 983137983155983155983141983156(983148983151983137983150) 983140983151983141983155 983150983151983156 983141983137983154983150 983137983150983161 983149983151983150983141983161 983145983156 983145983155 983156983141983154983149983141983140 983137983155 lsquo983150983151983150983152983141983154983142983151983154983149983145983150983143rsquo

991266 983123983157983145983156

991251 983113983142 983156983144983141 983148983151983137983150 983139983151983157983148983140 983150983151983156 983138983141 983154983141983139983151983158983141983154983141983140 983145983150 983156983144983141 983150983151983154983149983137983148

983152983154983151983139983141983155983155 983137 983138983137983150983147 983159983151983157983148983140 983142983145983148983141 983137 983155983157983145983156 983145983150 983156983144983141 983139983151983157983154983156 983151983142 983148983137983159 983156983151

983154983141983139983151983158983141983154 983156983144983141 983149983151983150983141983161 983113983156 983139983137983150 983138983141 983141983145983156983144983141983154 983137 983139983145983158983145983148 983155983157983145983156 983151983154 983137

983139983154983145983149983145983150983137983148 983155983157983145983156 983138983137983155983141983140 983151983150 983156983144983141 983139983145983154983139983157983149983155983156983137983150983139983141983155

Of C

7242019 RB_Aug 24

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Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

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Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

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Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

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(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 42: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4263

Types Of Bank Customer Relationship

Debtor ndash Creditor (Bank - Debtor amp Customer - Creditor)Eg When a Customer deposits money with his Bank

Creditor ndash Debtor (Bank - Creditor amp Customer - Debtor)

Eg When Bank lends money to the Customer

Lessor ndash Lessee ( Bank ndash Lessor amp Customer ndash Lessee)

Eg Banks provide safe deposit lockers to the Customers

Bank as a Consultant

Banks nowadays help the Customers by rendering

consultancy services and advices

Life Cycle of Customer Relationship

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

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Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 43: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4363

Life Cycle of Customer Relationship

Customer

Onboarding

KYC Capturing

Client Details

Bank Disclosure

And Client

Acceptance

ATM

Phone Banking

Net BankingBranch Banking

Debit Card

Customer

Relationship

Maintenance Address Updates

Legal Name and LifeChanging Events relatedMaintenance

Householding

Queries Instructionsthrough

Normal Closing

Relationship

Closure

Life Cycle of An Account

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 44: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4463

Life Cycle of An Account

Deposit ACCOUNT LIFE CYCLE Example

Application

AccountActivation

Request

MinimumBalance

ATM

Phone Banking

Net Banking

Branch Banking

Debit Card

Transaction

Cash Deposit Withdrawal

Transfers

Queries Instructions

through

Normal Closing

Account Freeze

Application

Welcome Kit

and

Access

Activation

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Know Your Customer

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 45: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4563

Know Your Customer

KYC

Customer Acceptance Policy (CAP)

No ac opened or closed

Customer Profile based on Risk Categorization

Risk Categorization Closure of accounts

Customer Identification Procedure

Kind of information

Appointment of Principal Officer

Monitoring of Transactions

Risk ManagementSource wwwrbiorgin

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Private Banking

7242019 RB_Aug 24

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Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 46: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4663

Private Banking

bullWhat is Private Banking

ndash Customized products and services - HNIs

ndash Preferred Customer Banking

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd )

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

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255255

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13729

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203215

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983124983137983156983137 B983148983157983141 25

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983120983157983154983152983148983141 50

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223

983120983157983154983152983148983141 25

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171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 47: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4763

(Cntd)

bullServices offered for Private Banking Customers

ndash Customized credit solutions

ndash Investment Services

ndash Relationship Manager

ndash Financial Planning Services

ndash Tax Advisory Services

ndash Wealth Management

ndash Retirement Planning

ndash Wealth planning

What is Private Banking

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 48: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4863

What is Private Banking

The integration of financial products and advisory services to assist consumers with the

accumulation preservation and transfer of wealth as they move through the various

stages of their financial life cycle

Cash

Securities

Other Assets

983120983154983151983156983141983139983156983145983151983150

983137983143983137983145983150983155983156 983154983145983155983147

983107983137983152983145983156983137983148 983105983139983139983157983149983157983148983137983156983145983151983150

983120983154983151983158983145983155983145983151983150 983142983151983154

983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141

983122983141983140983157983139983156983145983151983150 983151983142 983124983137983160

983138983157983154983140983141983150

983120983148983137983150983150983145983150983143 983142983151983154

983151983150983141991257983155 983144983141983145983154983155

983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161

983117983143983149983156

Manage this to achieve onersquos goals

983119983156983144983141983154 983111983151983137983148983155

Individual

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

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Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

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Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

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Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

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127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

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lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

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CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

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Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 49: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 4963

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Risk Management

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Risk Management

7242019 RB_Aug 24

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Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 50: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5063

Risk Management

bullLiquidity Risk

bullCredit risk

bullMarket risk

bull Interest rate risk

bullOperational risk

983126983137983154983145983151983157983155 983156983161983152983141983155 983151983142 983154983145983155983147983155 983142983137983139983141983140 983138983161 983156983144983141 B983137983150983147983155

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 51: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5163

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Remittances

Remittances

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 52: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5263

Demand Draft

Pay Order

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983142983151983154 983141983142983142983141983139983156983145983150983143 983148983151983139983137983148 983152983137983161983149983141983150983156983155 983113983156 983145983155

983151983156983144983141983154983159983145983155983141 983139983137983148983148983141983140 B983137983150983147983141983154991257983155 C983144983141983139983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983151983150983148983161 983159983144983141983150 983156983144983141 C983144983141983139983147 983145983155 983152983154983141983155983141983150983156983141983140 983137983156

983156983144983141 983145983155983155983157983145983150983143 983138983154983137983150983139983144

bull 983113983150983155983156983154983157983149983141983150983156 983145983155983155983157983141983140 983145983150 983142983137983158983151983154 983151983142 983137 983120983141983154983155983151983150 983119983154983143983137983150983145983162983137983156983145983151983150

983137983150983140 983145983155 983140983154983137983159983150 983151983150 983137 983138983154983137983150983139983144 983151983142 983156983144983141 983138983137983150983147 983151983154 983137 983138983154983137983150983139983144 983151983142

983155983151983149983141 983151983156983144983141983154 983138983137983150983147

bull 983120983137983161983149983141983150983156 983145983155 983149983137983140983141 983145983149983149983141983140983145983137983156983141983148983161 983151983150983139983141 983156983144983141 DD 983145983155

983152983154983141983155983141983150983156983141983140 983145983150 983156983144983141 983140983154983137983159983141983141 983138983154983137983150983139983144

Remittances contd

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 53: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5363

Remittances contd

Correspondent Banking

bull 983113983142 983137 983138983137983150983147 983140983151983141983155 983150983151983156 983144983137983158983141 983137 983152983154983141983155983141983150983139983141 983145983150 983137 983149983137983154983147983141983156 983138983157983156

983159983137983150983156983155 983156983151 983140983141983137983148 983145983150 983156983144983137983156 983149983137983154983147983141983156 983140983151983141983155 983156983144983137983156 983138983161 983159983137983161 983151983142 983137

983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147

bull 983127983144983141983150 983137 983138983137983150983147 983144983137983155 983139983151983154983154983141983155983152983151983150983140983141983150983156 983138983137983150983147 983137983156 983155983151983149983141 983151983156983144983141983154

983152983148983137983139983141 983156983144983141983161 983159983151983157983148983140 983149983137983145983150983156983137983145983150 983141983137983139983144 983151983156983144983141983154983155 983137983139983139983151983157983150983156983155 983145983150

983156983144983141 983138983151983151983147983155

ndash 983118983151983155983156983154983151 A983139983139983151983157983150983156

ndash 983126983151983155983156983154983151 A983139983139983151983157983150983156

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Cheque Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 54: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5463

Cheque Sample

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Demand Draft Sample

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 55: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5563

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 56: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5663

109

207246

D983137983154983147 1

255

255255

983116983145983143983144983156 1

131

56155

D983137983154983147 2

0

99190

983116983145983143983144983156 2

85

16528

A983139983139983141983150983156 1

214

7342

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127175

221

983124983137983156983137 B983148983157983141 50

203215

238

983124983137983156983137 B983148983157983141 25

179149

197

983120983157983154983152983148983141 50

212195

223

983120983157983154983152983148983141 25

255242

171

983129983141983148983148983151983159 50

255249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Payment Systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

What is a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 57: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5763

lsquoPaymentrsquo is

sum of money or other item (s) of value that is transferred from one

party to another

lsquoPayment Systemrsquo is

method to affect the transfer of value transfer of funds between

persons person to business business to person and business tobusiness

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Role of Bank in the Payments System

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 58: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5863

CommercialBank

Cheque

payment

Debit

Card

payment

ECS

payment

RTGS

payment

SWIFT

payment

SFMS

payment

Mobile

payment

Internet

payment

Banks to address

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Lifecycle of a Payment

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 59: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 5963

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Broad categories of Payments

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

983124983137983156983137 B983148983157983141 50

203

215

238

983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

212

195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 60: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6063

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

Retail Payment Systems

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6163

Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

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Transactions between consumers and businesses

Generally have higher transaction volumes and lower average dollar

values than wholesale payments systems

983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155

(Cntd)

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

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255

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0

99

190

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85

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A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

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A983139983139983141983150983156 3

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757

A983139983139983141983150983156 4

193

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A983139983139983141983150983156 5

255

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255

255255

983112983161983152983141983154983148983145983150983147

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229205

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248241

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180213

154

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214231

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241240

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983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

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7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6263

Consumers generally use retail payments in one of the following

ways

bull Purchase of Goods and Services A variety of payment

instruments may be used including cash check credit or debit

cards

bull Bill Payment such as utility telephone and mortgagerent bills

and medical bills

bull P2P Payments Consumer-to-consumer payments are conducted

with checks and cash sometimes through Electronic system

bull Cash Withdrawals and Advances Withdraw cash at an ATM or

receive cash-back at some point-of-sale (POS) locations

983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

255

983116983145983143983144983156 1

131

56

155

D983137983154983147 2

0

99

190

983116983145983143983144983156 2

85

165

28

A983139983139983141983150983156 1

214

73

42

A983139983139983141983150983156 2

185

175164

A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

255255

983112983161983152983141983154983148983145983150983147

236

13729

983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147

127

175

221

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203

215

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983124983137983156983137 B983148983157983141 25

179

149

197

983120983157983154983152983148983141 50

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195

223

983120983157983154983152983148983141 25

255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy

Page 63: RB_Aug 24

7242019 RB_Aug 24

httpslidepdfcomreaderfullrbaug-24 6363

109

207

246

D983137983154983147 1

255

255

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983116983145983143983144983156 1

131

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0

99

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85

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214

73

42

A983139983139983141983150983156 2

185

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A983139983139983141983150983156 3

151

757

A983139983139983141983150983156 4

193

1870

A983139983139983141983150983156 5

255

22162

A983139983139983141983150983156 6

255

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983112983161983152983141983154983148983145983150983147

236

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127

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179

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255

242

171

983129983141983148983148983151983159 50

255

249

213

983129983141983148983148983151983159 25

229205

186

B983154983151983159983150 50

248241

235

B983154983151983159983150 25

180213

154

983111983154983141983141983150 50

214231

200

983111983154983141983141983150 25

241240

202

983116983145983143983144983156 983111983154983141983141983150 50

251251

241

983116983145983143983144983156 983111983154983141983141983150 25

Please mail feedback to rajanaantonytcscom

Thank YouTCS Business Domain Academy