banking channels...in india
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BANKIN HANNEL IN INDIA
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BANKIN HANNEL IN INDIA
Flow Of The Presentation..
Banking channel
Types of banking channel
Branch banking
ATM
Internet Banking
Mobile Banking
Glossary
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Branch Banking
ATMs Net Banking
Mobile BankingPhone Banking
CHANNELS
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Branch Banking
ATMsNet Banking
Mobile BankingPhone Banking
CHANNELS
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Branch banking is a retail location where a bank offers awide array of face-to-face and automatedservices to its customers.
0
5000
10000
15000
20000
25000
30000
35000
Rural Branches Semi urban Urban & Metropoliton
32468
14709
19002
31127
17858
27533
31684
18892
29159
2002
2008
2009
Number of bank
branchesincrease/decrease
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The percentage of banking branch inIndia are given below..(As on 2007-2008)
27.9 % in Southern region
20.0% in Central region
17.1% in Northern region
16.9% in Eastern region
15.5% in Western region
Only 2.7 % in North-Eastern region partin India.
Graphical interpretation
TOTAL NUMBER OF BRANCHES
Year 2002Year 2008Year 2009
661797651879735
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The entire Branch banking functions could be dividedin to two parts.
1) Front office
2) Back office
Marketing, sales, and servicedepartments that come indirect contact with thecustomers..
The internal operations of anorganization that are notaccessible or visible to thegeneral public
Front office??? Back office???1) 2)
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Front office..
Front office or customer facingfunctions are comprises
I. TellerII. Customer service
III. sales
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Back office
As Branch back officeoperation are usuallycentralized within a regionback office jobs are veryminimal for branch office
Back office jobs are mainlycomprises
I. Check book processing
II. Standing ordersIII. PaymentsIV. Deposit opening &
maintenanceV. Loan processing
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ATMS The facilities provided by ATMs are Balance Enquiry
Statement of Accounts Cash Withdrawal
Cash deposit
Check deposit
Check cashing
Funds transfer Bill Payment
Currency Exchange
Loan Application
Investment Advice
Mutual Fund & Insurance sales
Electronic Purse loading
Ticketing
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Do you know how does ATM work?
There are many companies available in Indiawhich programmed ATM machine with a unique
terminal ID number, assigned to a particular ATM.ATM transaction processing can be done viastandard telephone line or via internet. Once themethod of connection is determined, ATM wouldsetup and programmed to use. After that Cash isloaded into the ATM. Now customer would insert
his ATM card, and enter his PIN which leads toauthorization process begins. The ATMs TIDalong with other identifying information let thecardholders bank to know that the transaction istaking place on that particular ATM. Now the ATMcan connect to the ATM networks through the
companies processing centre and then to thecardholders bank. If there are sufficient funds inthe ATM cardholders account for the withdrawalrequest, the transaction will be completed.
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Let us take a break for a while & play a quiz..
Instruction1) Try to answer yourself2) Read the questions
carefully
3) Note down the correctanswer in yourcopy/notebook
Best of luck.
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Q1) which one is the most popular channel of Bank?
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Q2) which one is the mostexpensive channel in India ?
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SS
Q3) what is the key difference between product & service in banking?
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Q4) What is the full form of ATM?
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Q5) which bank has the maximum number of ATMs in India?
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ANSWER????....
I will let you know all the answers elaborately, at the end ofmy presentation
Now next
nternet an ng
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nternet an ng
Information about the banks
offerings & application forms
Account information Statements,Alerts
change or edit account information
Stop payments of cheque.Requests for new cheque book.
Payment transactions to otheraccounts within and external to thebank
Bill Payments ,TDSInternet banking means any user witha personal computer and a browsercan get connected to his bankswebsite to perform any of the virtualbanking functions
Virtual facilities provided byinternet banking are
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Mobile Banking Customer can communicate with banks via
his mobile phone..
Banks provide two types of facility viamobile banking channels
I. Transaction based
II. Enquiry based
Again..
Bank try to communicate withcustomer push based.
Customer try to communicatewith bank pull based.
BANKS CUSTOMES
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BANKS CUSTOMES
BANKSCUSTOMERS
Now check your answers
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Now check your answers.
Q1) Which one is the most popular channel of Bank?Ans: Branch Banking
Q2) Which one is the most expensive channel in India ?Ans: Branch Banking . Because It involves large investment ininfrastructure and employees.
Q3) What is the key difference between product & service in banking?Ans: When a standardized set of service attached with standardfees/rates is called product.
Q4) What is the full form of ATM?Ans:Automated Teller Machine.
Q5) Which bank has the maximum number of ATM in India?
Ans: state Bank group . 11250 as on December31,2008 ( currently morethan 21000).Next is ICICI with 4600( currently more than 6800) ATMs.
G ossary
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G ossaryTeller:
Person who accurately and efficiently process and record routinetransactions for bank customers including cashing checks, acceptingdeposits and withdrawals, processing loan payments and moneytransfers. Promote and advise on the bank's products and services.
Standing orders:Type of preauthorized-payment under which anaccountholder instructs a bank to pay a specified amount, directlyfrom his or her account balance, to a named party on a regular basis.Standing orders are used typically for recurring, different fixed-amount expenses.
TDS:
Tax Deducted at Source is one of the modesof collecting Income-tax from the assesses in India
PIN:Personal identification number (PIN) is a combination of charactersused by the user to protect the access to the A TM card or the
identification card.
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