bank biography by suman shekhar
Post on 12-Aug-2015
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Presented by
BANCO
STORY BEHIND WORD ‘BANK’
• BANCO = BENCH
• HOW BANK IS STARTED?
WHAT IS BANK
FUNCTION OF BANK
History of bank IN INDIA
BANK OF HINDUSTAN
THREE BANK• BANK OF BENGAL
• BANK OF BOMBAY
• BANK OF MADRAS
FORMATION OF SBI
FORMATION OF SBI
TYPES OF BANK
BANK
DEVELOPMENT BANK
CENTRAL BANK
COMMERCIAL BANK
BANKS
COMMERCIAL BANK
NON- SCHEDULE BANKSCHEDULE BANK
NATIONALISATION OF BANK
• IMAGE: Indira Gandhi’s decision to go ahead with the nationalization of banks helped her gain support. Here, the former PM is seen during a Congress parliamentary party meeting in New Delhi on July 17, 1969
NISA• NATIONALISE - 19• IDBI - 1• SBI - 1• AS SOCIATE - 5• TOTAL NO OF PUBLIC SECTOR OF BANK - 26
PUBLIC SECTOR BANK
SCHEDULE BANK
PRIVATE SECTOR BANK
INDIAN PRIVATE
FOREIGN PRIVATE
PUBLIC SECTOR BANK
NDTL•DL .eg.CASA• TL. eg.FD/RD
RBI
OFFICES
• HEAD OFFICE : MUMBAI ZONAL OFFICE : KOLKATA MUMBAI DELHI CHENNAI
POST IN RBI
• GOVERNOR : PRESENT
DEPUTY GOVERNOR
• ANAND SINHA • K.C CHAKARBORTI• URJIT PATEL• HR.KHAN
FUNCTION OF RBI
• ISSUE OF CURRENCY• BANKER’S BANK• GOVERONMENT BANK• MAINTAIN OF FOREIGN CURRENCY• LENDER OF LAST RESORT• MONETRY POLICY OF CREDIT CONTROL
ISSUE OF CURRENCY
• PRS SYSTEM
• MRS SYSTEM 2OO CR BALANCE
Printing press and mints in India
MONITORY POLICY
• INSTRUMENTSCRRSLRREPO RATEREVERSE REPO RATEMSF
MESURMENT OF MONEY SUPPLY
MONEY(M0)
M2
M4M3
M1
ROUGH WORK
OTHER TYPES OF MONEY
• NEAR MONEY• HOT MONEY OR HARD MONEY or HARD
MONEY or DEAR MONEY• CHEAP MONEY or soft money• FIAT MONEY• BLACK MONEY• NARROW MONEY • BROAD MONEY
CAR
SEGMENTATION OF BANKING
UNIVERSAL BANKING RETAIL BANKING WHOLE SALE BANKING OFFSHORE BANKING NARROW BANKING
CAMELS RATING
LOAN• 90- day not paying installment-NPA• 9O-180 days- standard NPA• 180-1 YEAR-sub standard NPA• 1-3 YEAR doubtful asset• After 3 year –loss bad debit
SARFAESI ACT 2002
HIERARCHY OF PROBLEM SOLVING IN BANK
NEGOTIABLE INSTRUMENT
ABCD of cheque
TYPES OF CEQUE
• BEARER CHEQUE• ORDER CHEQUe• OPEN CHEQUE• CROSSED CHEQUE
BEARER CHEQUE
ORDER CHEQUE
CROSSED CHEQUE
OPEN CHEQUE
CATEGORIZATION OF CHEQUE
STALE CHEQUE
• 2.Stale cheque: A cheque which is issued today must be presented before bank within a stipulated period. After expiry ,no payment will be made and then it is
MULTILATED CHEQUE
• In case cheque is torn into two or more pieces and presented for payment such cheque is called mutilated cheque. The bank will not make payment against such cheque without getting confirmation of drawer
Post –dated cheque
• Cheque on which drawer mention a date which is subsequent to date on which it presented
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