RB_Aug 24
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
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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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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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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
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
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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
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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
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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
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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 2: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/2.jpg)
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Agenda
Basics of Banking
Deposits
Loans
Payment Cards
Mortgages
Risk Management
Remittances
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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
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
httpslidepdfcomreaderfullrbaug-24 3263
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
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
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
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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
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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
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
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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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 3: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/3.jpg)
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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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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
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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)
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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
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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
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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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
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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
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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
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
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A983139983139983141983150983156 5
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A983139983139983141983150983156 6
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983120983157983154983152983148983141 50
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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
983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156
7242019 RB_Aug 24
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109
207246
D983137983154983147 1
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255255
983116983145983143983144983156 1
131
56155
D983137983154983147 2
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99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
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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
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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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
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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
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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
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
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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
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
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
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
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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
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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
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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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56
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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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179
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212
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171
983129983141983148983148983151983159 50
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229205
186
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248241
235
B983154983151983159983150 25
180213
154
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200
983111983154983141983141983150 25
241240
202
983116983145983143983144983156 983111983154983141983141983150 50
251251
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983116983145983143983144983156 983111983154983141983141983150 25
Please mail feedback to rajanaantonytcscom
Thank YouTCS Business Domain Academy
![Page 5: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/5.jpg)
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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
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73
42
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164
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15175
7
A983139983139983141983150983156 4
193187
0
A983139983139983141983150983156 5
255221
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A983139983139983141983150983156 6
255255
255
983112983161983152983141983154983148983145983150983147
236137
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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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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
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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
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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
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180
213
154
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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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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
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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
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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
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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
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
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
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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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
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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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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
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131
56
155
D983137983154983147 2
0
99
190
983116983145983143983144983156 2
85
165
28
A983139983139983141983150983156 1
214
73
42
A983139983139983141983150983156 2
185
175
164
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151
75
7
A983139983139983141983150983156 4
193
187
0
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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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127
175
221
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203
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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
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B983154983151983159983150 25
180
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154
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214
231
200
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241
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251
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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
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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
7242019 RB_Aug 24
httpslidepdfcomreaderfullrbaug-24 3263
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
7242019 RB_Aug 24
httpslidepdfcomreaderfullrbaug-24 3363
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
httpslidepdfcomreaderfullrbaug-24 3463
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
httpslidepdfcomreaderfullrbaug-24 3563
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
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
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
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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
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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
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
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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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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207
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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 7: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/7.jpg)
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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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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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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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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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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
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
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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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991266 983105983152983152983154983137983145983155983137983148
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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983152983157983154983152983151983155983141 983151983142 983156983144983141 983148983151983137983150
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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
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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
983137983143983137983145983150983155983156 983154983145983155983147
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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
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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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13729
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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
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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
1870
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255
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255
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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
229205
186
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248241
235
B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
200
983111983154983141983141983150 25
241240
202
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251251
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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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D983137983154983147 1
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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 8: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/8.jpg)
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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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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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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
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983116983145983143983144983156 1
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99
190
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165
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73
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A983139983139983141983150983156 3
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7
A983139983139983141983150983156 4
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A983139983139983141983150983156 5
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983112983161983152983141983154983148983145983150983147
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127
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203
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238
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197
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212
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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
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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
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
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
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
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httpslidepdfcomreaderfullrbaug-24 4063
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
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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
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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
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
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
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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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
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221
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179
149
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171
983129983141983148983148983151983159 50
255
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213
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229205
186
B983154983151983159983150 50
248241
235
B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
200
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241240
202
983116983145983143983144983156 983111983154983141983141983150 50
251251
241
983116983145983143983144983156 983111983154983141983141983150 25
Please mail feedback to rajanaantonytcscom
Thank YouTCS Business Domain Academy
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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
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
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179
149
197
983120983157983154983152983148983141 50
212
195
223
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255
242
171
983129983141983148983148983151983159 50
255
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213
983129983141983148983148983151983159 25
229
205
186
B983154983151983159983150 50
248
241
235
B983154983151983159983150 25
180
213
154
983111983154983141983141983150 50
214
231
200
983111983154983141983141983150 25
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
7242019 RB_Aug 24
httpslidepdfcomreaderfullrbaug-24 3263
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
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
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
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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
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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
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
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)
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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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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 10: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/10.jpg)
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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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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
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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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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
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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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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
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
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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
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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
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
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Cheque Sample
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Demand Draft Sample
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983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156
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109
207246
D983137983154983147 1
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131
56155
D983137983154983147 2
0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
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255
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983112983161983152983141983154983148983145983150983147
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13729
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203215
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197
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223
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255242
171
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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
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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
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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
983116983145983143983144983156 983111983154983141983141983150 50
251251
241
983116983145983143983144983156 983111983154983141983141983150 25
Please mail feedback to rajanaantonytcscom
Thank YouTCS Business Domain Academy
![Page 11: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/11.jpg)
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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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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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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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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
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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
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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
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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
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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
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207
246
D983137983154983147 1
255
255
255
983116983145983143983144983156 1
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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
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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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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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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
983111983154983141983141983150 25
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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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
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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
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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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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
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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
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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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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
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255255
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13729
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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
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22162
A983139983139983141983150983156 6
255
255255
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13729
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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
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
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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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 13: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/13.jpg)
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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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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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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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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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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
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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
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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
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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
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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
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
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
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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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
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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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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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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
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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
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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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
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
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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
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
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
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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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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
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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
httpslidepdfcomreaderfullrbaug-24 3263
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
7242019 RB_Aug 24
httpslidepdfcomreaderfullrbaug-24 3363
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
httpslidepdfcomreaderfullrbaug-24 3463
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
httpslidepdfcomreaderfullrbaug-24 3563
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
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
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
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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
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
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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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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/16.jpg)
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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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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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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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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
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221
62
A983139983139983141983150983156 6
255
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236
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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
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202
983116983145983143983144983156 983111983154983141983141983150 50
251
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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
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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
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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
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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
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
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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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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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207
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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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/17.jpg)
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207
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D983137983154983147 1
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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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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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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
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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
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
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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
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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
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
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
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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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
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Thank YouTCS Business Domain Academy
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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
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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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
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
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httpslidepdfcomreaderfullrbaug-24 4063
Loan processing ndash Life cycle
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
L Lif l
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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
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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
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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
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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
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
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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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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
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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
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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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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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
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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
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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
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
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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
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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
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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
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
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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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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
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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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
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
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
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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
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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
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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
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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
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
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
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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 21: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/21.jpg)
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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
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
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
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
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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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
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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
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
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
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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
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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
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 22: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/22.jpg)
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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
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
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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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(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
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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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
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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
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
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
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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
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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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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
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
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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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(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
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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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
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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
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
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
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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
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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 24: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/24.jpg)
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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
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
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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
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)
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991266 983108983145983155983138983157983154983155983141983149983141983150983156
991251 983124983144983141 983140983145983155983138983157983154983155983141983149983141983150983156 983139983137983150 983138983141 983149983137983140983141 983137983155 983137 983155983145983150983143983148983141
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991251 983117983151983150983145983156983151983154983141983140 983156983151 983141983150983155983157983154983141 983156983144983137983156 983156983144983141983154983141 983137983154983141 983150983151 983149983137983156983141983154983145983137983148
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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
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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
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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
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
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
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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
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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
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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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0
99
190
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85
165
28
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214
73
42
A983139983139983141983150983156 2
185
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127
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983124983137983156983137 B983148983157983141 50
203
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983124983137983156983137 B983148983157983141 25
179
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983120983157983154983152983148983141 50
212
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983129983141983148983148983151983159 25
229205
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248241
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B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
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983111983154983141983141983150 25
241240
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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
D983137983154983147 1
255
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983116983145983143983144983156 1
131
56155
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0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
185
175
164
A983139983139983141983150983156 3
151
75
7
A983139983139983141983150983156 4
193
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A983139983139983141983150983156 5
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A983139983139983141983150983156 6
255
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983112983161983152983141983154983148983145983150983147
236
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29
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
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
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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
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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
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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
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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
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
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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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255
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131
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0
99
190
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85
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214
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42
A983139983139983141983150983156 2
185
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A983139983139983141983150983156 3
151
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193
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255
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236
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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147
127
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983124983137983156983137 B983148983157983141 50
203
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983124983137983156983137 B983148983157983141 25
179
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983120983157983154983152983148983141 50
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983120983157983154983152983148983141 25
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983129983141983148983148983151983159 50
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983129983141983148983148983151983159 25
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B983154983151983159983150 25
180213
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983111983154983141983141983150 50
214231
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983111983154983141983141983150 25
241240
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983116983145983143983144983156 983111983154983141983141983150 50
251251
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983116983145983143983144983156 983111983154983141983141983150 25
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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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D983137983154983147 1
255
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983116983145983143983144983156 1
131
56155
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0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
185
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164
A983139983139983141983150983156 3
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7
A983139983139983141983150983156 4
193
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A983139983139983141983150983156 5
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A983139983139983141983150983156 6
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983112983161983152983141983154983148983145983150983147
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983124983137983156983137 B983148983157983141 25
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983120983157983154983152983148983141 50
212195
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983120983157983154983152983148983141 25
255242
171
983129983141983148983148983151983159 50
255249
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983129983141983148983148983151983159 25
229
205
186
B983154983151983159983150 50
248
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B983154983151983159983150 25
180
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154
983111983154983141983141983150 50
214
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983111983154983141983141983150 25
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983116983145983143983144983156 983111983154983141983141983150 50
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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
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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
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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
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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
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
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
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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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
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983120983157983154983152983148983141 50
212
195
223
983120983157983154983152983148983141 25
255
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171
983129983141983148983148983151983159 50
255
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213
983129983141983148983148983151983159 25
229205
186
B983154983151983159983150 50
248241
235
B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
200
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241240
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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
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0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
185
175
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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203215
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983124983137983156983137 B983148983157983141 25
179149
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212195
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255242
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255249
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229
205
186
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248
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180
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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
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
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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
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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
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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
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
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
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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
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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)
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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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207
246
D983137983154983147 1
255
255
255
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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
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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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/28.jpg)
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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
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
httpslidepdfcomreaderfullrbaug-24 3263
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
httpslidepdfcomreaderfullrbaug-24 3463
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
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
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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
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
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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
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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
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
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203215
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179149
197
983120983157983154983152983148983141 50
212195
223
983120983157983154983152983148983141 25
255242
171
983129983141983148983148983151983159 50
255249
213
983129983141983148983148983151983159 25
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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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0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
185
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A983139983139983141983150983156 3
151
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A983139983139983141983150983156 4
193
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255242
171
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229205
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248241
235
B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
200
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241240
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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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207
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56
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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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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
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The most common ways are
In branches
Online
Over the phone
At cash machines
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99190
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85
16528
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7342
A983139983139983141983150983156 2
185
175
164
A983139983139983141983150983156 3
151
75
7
A983139983139983141983150983156 4
193
187
0
A983139983139983141983150983156 5
255
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62
A983139983139983141983150983156 6
255
255
255
983112983161983152983141983154983148983145983150983147
236
137
29
983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147
127175
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203215
238
983124983137983156983137 B983148983157983141 25
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197
983120983157983154983152983148983141 50
212195
223
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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
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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
983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
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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
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
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
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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
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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
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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
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983138983157983154983140983141983150
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983151983150983141991257983155 983144983141983145983154983155
983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161
983117983143983149983156
Manage this to achieve onersquos goals
983119983156983144983141983154 983111983151983137983148983155
Individual
983124983145983156983148983141 983137983150983140 C983151983150983156983141983150983156
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56155
D983137983154983147 2
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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
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)
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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
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207246
D983137983154983147 1
255
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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
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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
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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
991266 983120983154983151983152983151983155983137983148
991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143
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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
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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
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983137983143983137983145983150983155983156 983154983145983155983147
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983154983141983156983145983154983141983149983141983150983156 983145983150983139983151983149983141
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983138983157983154983140983141983150
983120983148983137983150983150983145983150983143 983142983151983154
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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
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
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757
A983139983139983141983150983156 4
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A983139983139983141983150983156 5
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A983139983139983141983150983156 6
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983124983137983156983137 B983148983157983141 50
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238
983124983137983156983137 B983148983157983141 25
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197
983120983157983154983152983148983141 50
212195
223
983120983157983154983152983148983141 25
255242
171
983129983141983148983148983151983159 50
255249
213
983129983141983148983148983151983159 25
229205
186
B983154983151983159983150 50
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235
B983154983151983159983150 25
180213
154
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200
983111983154983141983141983150 25
241240
202
983116983145983143983144983156 983111983154983141983141983150 50
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
193
1870
A983139983139983141983150983156 5
255
22162
A983139983139983141983150983156 6
255
255255
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13729
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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
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)
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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
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Thank YouTCS Business Domain Academy
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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
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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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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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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
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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
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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
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
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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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
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983129983141983148983148983151983159 50
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248241
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B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
214231
200
983111983154983141983141983150 25
241240
202
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251251
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983116983145983143983144983156 983111983154983141983141983150 25
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![Page 32: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/32.jpg)
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983122983141983156983137983145983148 B983137983150983147983145983150983143 C983151983150983139983141983152983156983155
Types of Loans
Secured loans
Unsecured loans
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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
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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
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
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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
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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)
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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 33: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/33.jpg)
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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
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
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
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
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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
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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
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109
207246
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255
255255
983116983145983143983144983156 1
131
56155
D983137983154983147 2
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99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
185
175164
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A983139983139983141983150983156 4
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983120983157983154983152983148983141 50
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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
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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
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
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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
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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
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Thank YouTCS Business Domain Academy
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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)
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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
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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
httpslidepdfcomreaderfullrbaug-24 4163
Loan ndash Life cycle
991266 983120983154983151983152983151983155983137983148
991251 983123983157983138983149983145983155983155983145983151983150 983151983142 983148983151983137983150 983152983154983151983152983151983155983137983148 983155983157983138983155983156983137983150983156983145983137983156983145983150983143
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991266 983107983154983141983140983145983156 983108983141983139983145983155983145983151983150 (983123983137983150983139983156983145983151983150)
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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
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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
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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
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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
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
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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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 35: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/35.jpg)
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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
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
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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
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
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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
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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
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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
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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)
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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
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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
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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
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
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22162
A983139983139983141983150983156 6
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255255
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13729
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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
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13729
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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
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
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
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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
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
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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
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Thank YouTCS Business Domain Academy
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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
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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
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
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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
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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
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
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
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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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
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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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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
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983113983150983158983141983155983156983149983141983150983156 amp 983120983154983151983152983141983154983156983161
983117983143983149983156
Manage this to achieve onersquos goals
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Individual
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207246
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255
255255
983116983145983143983144983156 1
131
56155
D983137983154983147 2
0
99190
983116983145983143983144983156 2
85
16528
A983139983139983141983150983156 1
214
7342
A983139983139983141983150983156 2
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223
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255242
171
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255249
213
983129983141983148983148983151983159 25
229205
186
B983154983151983159983150 50
248241
235
B983154983151983159983150 25
180213
154
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214231
200
983111983154983141983141983150 25
241240
202
983116983145983143983144983156 983111983154983141983141983150 50
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
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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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197
983120983157983154983152983148983141 50
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983129983141983148983148983151983159 25
229205
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248241
235
B983154983151983159983150 25
180213
154
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200
983111983154983141983141983150 25
241240
202
983116983145983143983144983156 983111983154983141983141983150 50
251251
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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
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151
757
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13729
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203215
238
983124983137983156983137 B983148983157983141 25
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197
983120983157983154983152983148983141 50
212195
223
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255242
171
983129983141983148983148983151983159 50
255249
213
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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
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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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
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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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249
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229205
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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
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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
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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
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
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
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
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Thank YouTCS Business Domain Academy
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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
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
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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
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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
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
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
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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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
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983129983141983148983148983151983159 50
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186
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248241
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B983154983151983159983150 25
180213
154
983111983154983141983141983150 50
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983111983154983141983141983150 25
241240
202
983116983145983143983144983156 983111983154983141983141983150 50
251251
241
983116983145983143983144983156 983111983154983141983141983150 25
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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
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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
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983152983137983161983149983141983150983156 983151983154 983145983150 983156983154983137983150983139983144983141983155
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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
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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
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
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
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983124983137983156983137 B983148983157983141 50
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
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
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 42: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/42.jpg)
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
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
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
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
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
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Please mail feedback to rajanaantonytcscom
Thank YouTCS Business Domain Academy
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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
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
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
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
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/44.jpg)
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
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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
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 45: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/45.jpg)
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
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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
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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
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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
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 46: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/46.jpg)
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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
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
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 47: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/47.jpg)
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
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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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/48.jpg)
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
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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
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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
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
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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
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
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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 51: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/51.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/52.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/53.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/54.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/55.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/56.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/57.jpg)
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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/58.jpg)
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
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255
255
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983116983145983143983144983156 1
131
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0
99
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983116983145983143983144983156 2
85
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A983139983139983141983150983156 1
214
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A983139983139983141983150983156 2
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A983139983139983141983150983156 3
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A983139983139983141983150983156 4
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A983139983139983141983150983156 6
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983112983161983152983141983154983148983145983150983147
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983110983151983148983148983151983159983141983140 983112983161983152983141983154983148983145983150983147
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983129983141983148983148983151983159 50
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229205
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B983154983151983159983150 50
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B983154983151983159983150 25
180213
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983111983154983141983141983150 50
214231
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983111983154983141983141983150 25
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983116983145983143983144983156 983111983154983141983141983150 50
251251
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983116983145983143983144983156 983111983154983141983141983150 25
Please mail feedback to rajanaantonytcscom
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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
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983124983137983156983137 B983148983157983141 25
179
149
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983120983157983154983152983148983141 50
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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](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/60.jpg)
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
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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 61: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/61.jpg)
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 62: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/62.jpg)
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 63: RB_Aug 24](https://reader033.fdocuments.us/reader033/viewer/2022051303/56d6bde21a28ab30168fb14d/html5/thumbnails/63.jpg)
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