banking Project

R.P.V.V. Rohini Sec.-11 Delhi -85

By Tanuj

Sharma

Topic – Banking

Session - 2014-2015

Submitted to Mrs. Sushma

Singh

INDEX Title Slide number aim and objective 04 acknowledgement 05 tool used 06 group members 07 introduction 11 historical background 19 design of the study material 28 data presentation data analysis 37 summary 43 suggestion , bibliography 47,48

Aim and objectiveWe have an aim to verify

that how banking is useful in our day to day life, by using some examples from our daily using materials and works.

Acknowledgement

We know that banking is used in any field of our life , like construction work , fashion designing etc. we are studying about banks from earlier classes also , it is very simple to find out banking and to explain it.

Tool Used Books Pen

Cd GraphSketch pens Chart paper Marker PencilEraser ,Shapner Sheets

Group members:-

01

• Ankur shrivastava

• Design of the study material.

05• Abhishek • Design of the study material.

08

• Faisal pathan • Summary, suggestion, bibliography.

12• Mrigraj • Introduction of banking.

14• Pramod Kumar• History of banking.

21• Sachin • Poster of project.

22 •Sachin Kumar•Introduction of banking.

26• Subhash mishra• Data presentation.

28

• Tanuj Sharma• PowerPoint presentation of the project.30

• Udit chauhan • History of banking.

32 • Vikas Kumar • Data analysis.

Progress reportIn the middle of the project work Mrs. Sushma Singh mam checked the progress report that who are not working and where is the work going on .our group shows the project that we had done mam patted us and says that your project is very good and complete your project quickly and make it beautiful by decorating it well .after 1 month mam once again checked the project we had almost completed it and our project is better than other groups.

Introduction

IntroductionWhat is bank ??????

Definition :- The definition of a bank varies country to country. Under English common law, a banker is defined as a person who carries on the business of banking.

Bank; a series on financial services :-

A bank is a financial intermediary that accepts deposits and channels those deposit into lending activities, either directly through markets. A bank links together customers that have capital deficits and customers with capital surpluses. Due to their importance in the financial system and influence national economics, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities.

Mitigation bank certification

Process:- The certification process secures the banking instrument or memorandum of agreement with the regional mitigation banking review team for each bank site . This is the legal creation of the bank where by the property and the plan of its conservation . The certification process can take place between 12-36 months to compute.

RETAIL BANKING checking account ; savings account ; money market account ; certificate of deposit ; credit card ; cheque books ; current account ; individual retirement account ;

debit card ; mutual fun ; personal loan ; time deposits ; ATM cards .

Pradhan mantri Jan - dhan

yojna :-

prime minister scheme for people is wealth is an emleitious scheme for comprehensive financial inclusion launched by PM of India Narendra Damodardas modi on 28th August 2014. he had announced his scheme on his first Independence day speech on 15th August 2014. on his inauguration day 1.5 crore bank accounts was opened under this scheme SBI had opened 11,300 camps for jan dhan yojna over 20 lakhs accounts were opened as on August 28th.

Performance :-Due to the preparations done in the run – up , as mentioned above , on the inauguration day 1.5 crore [ 15 million ] bank accounts were opened . The Prime Minister said to this occasion – “ let us celebrate today us the day of financial freedom .

Historical

background

COLONIAL ERA

Banking in INDIA in the modern sense originated in the last decades of the 18th century. The first bank Were bank of Hindustan [1770-1829] and the general bank of India, established 1786 and since defunct.

NationalizationIn 1869 the Indian government nationalized all the major banks that it did Not ralready own and these have remained under government ownership. They are run under a structure known as ‘profit making public sector undertaking’[PSU] and are allowed to compete and operate as commercial banks.

Earlier bank -1During the period of British rule merchants established the union bank of Calcutta in 1829, first as private joint stock association , then partnership. Its proprietors were the ownerof the earlier commercial bank and Calcutta bank, who by mutual consent created union bank to replace these two banks. In 1840 it established an agency at Singapore and closed the one at Mirzapore and it had opened in the previous year.

Earlier banking -2Foreign banks too started to appear, particularly in Calcutta in 1860’s. the competitor d’Es compete de Paris opened a branch in Calcutta in 1860 And another in Bombay in 1862, branches in madras and Pondicherry ,then a French possession followed HSBC established itself in Bengal in 1869. Calcutta was most active trading port in India , mainly due to the trade of the British empire, and so became a banking center.

Swedishi's effect The period between 1906 and 1911, saw the establishment of banks inspired by swadeshi movement. The swadeshi movement inspired local businessmen and political figures to found banks of and for he Indian community . A number of banks of India, corporation bank , Indian bank, bank of Baroda, canara bank, central bank of India.

World war

During the first world war (1914-1918) through the end of second world war (1939-1945) and two years thereafter until the independence of India were challenging for Indian banking.

VEDIC PERIODIn ancient India there is evidence of loans from the Vedic period (beginning 1750 B. C.). Latter during the maurya dynasty(321to185 B.C.),an instrument called adesha was in use, which was an a order on a banker desiring him to pay the money of the note to a third person, which correspondence to the definition of a bill of exchange as we understand it today .

During the Buddhists period there was a considerable use of these equipments. Merchants in large towns gave letters of credit to one another.

Design of the Study Material

ATMINTRODUCTION:-

The provision of automatic teller machines and electronic funds transfer at a point of sale facilities provides valuable and secure services to RSL members and sub – branchpatrons, particularly in regional and some metropolitan areas where traditional financial institutions have withdrawn services or the facilities do not exist.

Introduction

If your accountant has enabled the checkbook reconciliation feature for your client book keeping solution [CBS] software, you can reconcile your checkbook[S] in [CBS] – either manually, using a bank statement , or automatically. Using the CBS online banking services offered by your financial institution.

Check book

CBS checkbook reconciliation features :-

automatically display all undeared checks, deposits, and other bank items entered in CBS. mark checks, deposits, and other bank items to clear , individually or in groups. quickly open the checkbook window to add or edit a check deposits, or other bank item to include as part of the current reconciliation. continuously update the cleared items balance as you mark items that have cleared through the bank.

Reconcile transactions window :-

In CBS , most of checkbooks reconciliation tasks are done in the reconcile transactions window. The reconcile transactions window consists of four tabbed pages – checkbook transaction, summary, statement, and unmatched statement transactions . The statement transaction dialog is available only when you have entered or download transactions from your financial institution. The unmatched statement transaction tab is available only after you have retried transactions for this reconciliation.

Manual checkbook reconciliation :-

You can use CBS to reconcile your CBS . Check balance against a bank statement.

RECONCILING YOUR CBS CHECKBOOK AGAINST A BANK

STATEMENT :- choose checkbook / reconcile and then choose the checkbook you want to reconcile. is this is the first time you have reconciled this checkbook n CBS , enter the statement opening balance, statement ending balance, and statement end from your bank statement on the checkbook transactions tab of the reconcile transactions window.

For each subsequent reconciliation the program uses the enduing balance of the most recently finalized reconciliation as the opening balance. in the reconcile transaction window,double – click each item that appear on the statement to mark it as cleared . To unmark an item ,double click it again. as you marked each cleared item, verify that its amount matches the amount shown on the bank statement. to add any book service changes or interest income, or if you find an item on you bonk statement that you forgot to record in CBS, click the add button to open the add transactions to checkbook window.

If you want to correct an item listed in the reconcile transactions window, highlight the item and click GO to item

button.

Data presentation, Data analysis.

Data presentation means that by data how much banks are in work ? And how much percentage of banks increases ? How many peoples are in joining the banks our best in class reporting system securely integrates data from several internal saunas, such as a banks core processor ,general leader, budget and profitability system. It understand the arriver, trends, and risks on a real time basis . It improves accountability and ownership spend less time on preparing reports and more time on bank data analysis.

Data presentation :-

Data analysis We took an example of a bank. the average moving of axis bank . The current price of it was 397.25 on the date 28/08/2014 his high moving 401 low was392 and open account 392 end close 397. the volume is324112. after 22 days the high moving 393 .open account394 and lose 398 the volume of the moving was 4041960. so, we can see the difference here .

Current status :-Indian banking industry currently

employees 1,175,144 employees and has total of 109,811 branches in India and 171 branches abroad and manage an agreement deposit of Rs.64504.54 billion and bank credit operating in India was Rs 1027.51 billion.

date high low open close volume

28/08/2014 330.0 321.15 321.15 327.8 35812

27/08/2014 329.5 319.0 325.05 322.95 50135

26/08/2014 331.9 324.0 328.0 327.95 27136

25/08/2014 341.0 332.95 337.55 333.6 42206

22/08/2014 344.0 335.05 337.9 337.6 58902

21/08/2014 343.7 332.5 332.5 336.65 75398

20/08/2014 338.0 327.1 338.0 334.5 50341

19/08/2014 337.8 329.0 331.0 335.55 60144

18/08/2014 333.0 321.0 321.0 328.7 56505

14/08/2014 326.75 314.05 323.5 323.2 154514

Share price of history of corporation bank

Share price of history of Axis bank

date high low open Close volume

28/08/2014 401.9 392.15 399.5 397.25 3524112

27/08/2014 402.55 396.65 399.05 398.75 2117053

26/08/2014 400.25 390.0 391.0 397.6 2960035

25/08/2014 407.35 397.7 402.5 398.75 3188868

22/08/2014 405.0 400.0 400.0 402.8 3805460

21/08/2014 402.15 393.1 394.8 398.65 4041960

2005 2006 2007 2008 2009 20100

102030405060708090

100

company Acompany B

20052006

20072008

20092010

0

4000

8000

12000

16000

20000

company A company B

25%

38%

12%

25%

Expanding ExploringDeploing Experimenting

Summary,

Suggestion,

Bibliography.

summary Bank , a series on financial :-

A bank is a financial intermediary that accepts deposits and channels those deposits into lending, activities, either directly by loaning or indirectly through capital marks.

regional evaluation and site selection :- Identify the most appropriate sites .

Market strategy :- the marketing strategy for a mitigation bank is for different than for most all possible purchases of credits have no obtain a permit to cause the impact that the world need the credit for.

Modern banking:- the origins of modern banking can be traced to medial and early renaissance Italy , to the rich cities in the north like Florence, Lucca, Siena, Venice, and Genoa.

Bank crisis :- banks are susceptible to many farms of risk which have triggered occasional systematic crisis.

DESIGN OF THE STUDY . . . . . . . . . . . . 1.To eradicate extreme poverty and hunger.2.Achieve universal primary education.3.Promote gender equality.4.Reduce child mortality.5.Improve maternal health.6.Combat HIV/AIDS , Malaria ,and other disease .7.Ensure environment sustainability.8.Develop a global partnership for

development.

Suggestion1) Understand the topic properly .2) Be clear on the requirements.3) Do a little bit each day.4) Do project the way you prefer.5) Break up your project into little parts at a time.6) Do your research.7) Step back and look at what you have done.8) Do the finishing touching.9) Organize your information.10)Make sure to have a second or back – up plan if

problems do occur.

BibliographyROLL NUMBER

NAME WORK SOURCE

1 Abhishek Design of the study material Self, internet

5 Ankur shrivastav

Design of the study material Self, internet

8 Faisal pathan Summary, suggestion, bibliography, viva

Self, internet

12 Mrigraj Introduction of banking Self, internet, help of s singh mam

14 Pramod kumar History of banking Self, books, internet

21 sachin Poster of the project Self, with the help of group

Roll number

name work Source

22 Sachin kumar Introduction of banking

Self, internet

26 Subhash mishra Data presentation Self, internet

28 Tanuj sharma Powerpoint of the project

Self, internet

30 Udit chauhan History of banking Self, internet

32 Vikas Data analysis Self, internet