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Financial institution

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Alok Kumar
Alok Kumar

This document provides an overview of financial institutions, including their meaning, functions, types, and examples. It discusses banking institutions like public sector banks, private sector banks, and cooperative banks. It also discusses non-banking financial institutions and provides examples like NABARD, IDBI, IFCI, and EXIM Bank. The document concludes that while India has a full range of financial institutions, their operations could be improved to make them more effective.

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Financial institution
TABLE OF CONTENTS • MEANING • FUNCTION OF FINANCIAL INSTITUTION • TYPE OF FINANCIAL INSTITUTION • BANKING INSTITUTION • NON BANKING INSTITUTION • CONCLUSION • BIBILOGRAPHY
MEANING Financial institution is an institution or organization that provides financial services for its clients, members and society. Probably the most important financial service provided by financial institutions is acting as financial intermediaries. Most financial institutions are regulated by the government
FUNCTION OF FINANCIAL INSTITUTION • Financial institutions include banks, credit unions, asset management firms, building societies, and stock brokerages, among others. These institutions are responsible for distributing financial resources in a planned way to the potential users. • These function performed in following ways……
CONTINUE… A. Accepting Deposits B. Providing Agricultural Loans C. Providing Commercial Loans D. Providing Real Estate Loans E. Providing Mortgage Loans F. Issuing Share Certificates
TYPE OF FINANCIAL INSTITUTION We can divide financial institution in two major parts as following…. 1. Banking financial company(BFCs) 2. Non banking financial company(NBFCs) Banking institution can use banking instruments like cheque ,draft ,pay order but non banking institution can not use these instruments.
BANKING INSTITUTION • Banking institution are those institution who is provide banking and other financial services to their customers and society such as ….. • Accept deposits • Provide loans • Cash management services • Portfolio management services
CONTINUE… • We can divide Indian banking system in following ways • Commercial bank A)Public sector bank 1) State bank 2) Nationalized bank B)Private sector bank a)Indian private bank b)Foreign private bank
CONTINUE… C)Co-operative bank 1)Urban cooperative banks 2) State cooperative banks 3) Central cooperative banks D)Regional rural banks
CONTINUE… A)Public sector bank- public sector bank is divided into two group State bank of India- State bank of India was established under SBI act 1955,initialy 100% stake of SBI owner was Reserve bank of India . Nationalized banks- Nationalized bank was established under banking company act 1970,1980, initially 100% ownership of 20s nationalized bank was hold by government of India
CONTINUE… B)Private sector bank- Private bank can be divided into two parts 1)Indian private bank- This type of bank governed by Indian financial institution like ICICI bank ,HDFC bank 2)Foreign private bank- this type banks governed by foreign institution like STANDARD CHARTED(USA) bank , HSBC
CONTINUE C)Co-operative bank- These type bank are governed by co-operative societies 1)Urban co-operative societies- These type bank are governed by urban co-operative society. 2)State co-operative banks- These type bank work on state level, 3)Central co-operative banks- These type bank work on district level
CONTINUE… D)Regional rural banks- RRB banks were established under RRB act 1976 these bank are closely related with the commercial bank which are specified by the central government with lead bank scheme.
Non banking financial company(NBFCs) NBFIs at present consist of a heterogeneous group of institutions that cater to a wide range of financial requirements. These type company are involved in promoting new company ,expansion and meeting the financial requirement of the company for economic development NABARD (National bank for agriculture and rural development) – Nabard is working in India to promote agriculture and rural development.
CONTINUE Industrial development bank of India(IDBI)- It is apex institution in the field of long term industrial finance it was set in 1964 as wholly subsidiary of RBI Industrial finance corporation of India(IFCI)-It was established in 1948, it provide assistance in long term loan, underwriting of equity and guarantee of loans in foreign exchange. Export Import Bank of India (EXIM Bank)-it facilitates export and import trading in India.
CONTINUE Small Industries Development Bank of India (SIDBI)-It provide assistance in small scale industry Life insurance corporation of India(LIC)-It provide all type insurance. Security and exchange board of India(SEBI)- It regulate all the activity in the Indian capital market
CONCLUSION…. • Financial institution is very essential part of financial system. • Financial institution play a vital role in economic development • Indian financial institutions are very strong but its operation is very poor quality we, Indian make very good plan but in implication we are lacking in somewhere. • We have full range of financial institution bur we can not use in effective manner.
BIBILOGRAPHY • WWW.WIKIPEDIA.COM • THE INDIAN BANKING SECTOR ON THE ROAD TO PROGRESS- G. H. DEOLALKAR • COUNCIL ON FOREIGN RELATIONS, IIGG INTERACTIVE GUIDE TO GLOBAL FINANCE –ARTICLE • NON BANKING INSTITUTION –PROJECT REPORT
Financial institution

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Financial institution

  • 2. TABLE OF CONTENTS • MEANING • FUNCTION OF FINANCIAL INSTITUTION • TYPE OF FINANCIAL INSTITUTION • BANKING INSTITUTION • NON BANKING INSTITUTION • CONCLUSION • BIBILOGRAPHY
  • 3. MEANING Financial institution is an institution or organization that provides financial services for its clients, members and society. Probably the most important financial service provided by financial institutions is acting as financial intermediaries. Most financial institutions are regulated by the government
  • 4. FUNCTION OF FINANCIAL INSTITUTION • Financial institutions include banks, credit unions, asset management firms, building societies, and stock brokerages, among others. These institutions are responsible for distributing financial resources in a planned way to the potential users. • These function performed in following ways……
  • 5. CONTINUE… A. Accepting Deposits B. Providing Agricultural Loans C. Providing Commercial Loans D. Providing Real Estate Loans E. Providing Mortgage Loans F. Issuing Share Certificates
  • 6. TYPE OF FINANCIAL INSTITUTION We can divide financial institution in two major parts as following…. 1. Banking financial company(BFCs) 2. Non banking financial company(NBFCs) Banking institution can use banking instruments like cheque ,draft ,pay order but non banking institution can not use these instruments.
  • 7. BANKING INSTITUTION • Banking institution are those institution who is provide banking and other financial services to their customers and society such as ….. • Accept deposits • Provide loans • Cash management services • Portfolio management services
  • 8. CONTINUE… • We can divide Indian banking system in following ways • Commercial bank A)Public sector bank 1) State bank 2) Nationalized bank B)Private sector bank a)Indian private bank b)Foreign private bank
  • 9. CONTINUE… C)Co-operative bank 1)Urban cooperative banks 2) State cooperative banks 3) Central cooperative banks D)Regional rural banks
  • 10. CONTINUE… A)Public sector bank- public sector bank is divided into two group State bank of India- State bank of India was established under SBI act 1955,initialy 100% stake of SBI owner was Reserve bank of India . Nationalized banks- Nationalized bank was established under banking company act 1970,1980, initially 100% ownership of 20s nationalized bank was hold by government of India
  • 11. CONTINUE… B)Private sector bank- Private bank can be divided into two parts 1)Indian private bank- This type of bank governed by Indian financial institution like ICICI bank ,HDFC bank 2)Foreign private bank- this type banks governed by foreign institution like STANDARD CHARTED(USA) bank , HSBC
  • 12. CONTINUE C)Co-operative bank- These type bank are governed by co-operative societies 1)Urban co-operative societies- These type bank are governed by urban co-operative society. 2)State co-operative banks- These type bank work on state level, 3)Central co-operative banks- These type bank work on district level
  • 13. CONTINUE… D)Regional rural banks- RRB banks were established under RRB act 1976 these bank are closely related with the commercial bank which are specified by the central government with lead bank scheme.
  • 14. Non banking financial company(NBFCs) NBFIs at present consist of a heterogeneous group of institutions that cater to a wide range of financial requirements. These type company are involved in promoting new company ,expansion and meeting the financial requirement of the company for economic development NABARD (National bank for agriculture and rural development) – Nabard is working in India to promote agriculture and rural development.
  • 15. CONTINUE Industrial development bank of India(IDBI)- It is apex institution in the field of long term industrial finance it was set in 1964 as wholly subsidiary of RBI Industrial finance corporation of India(IFCI)-It was established in 1948, it provide assistance in long term loan, underwriting of equity and guarantee of loans in foreign exchange. Export Import Bank of India (EXIM Bank)-it facilitates export and import trading in India.
  • 16. CONTINUE Small Industries Development Bank of India (SIDBI)-It provide assistance in small scale industry Life insurance corporation of India(LIC)-It provide all type insurance. Security and exchange board of India(SEBI)- It regulate all the activity in the Indian capital market
  • 17. CONCLUSION…. • Financial institution is very essential part of financial system. • Financial institution play a vital role in economic development • Indian financial institutions are very strong but its operation is very poor quality we, Indian make very good plan but in implication we are lacking in somewhere. • We have full range of financial institution bur we can not use in effective manner.
  • 18. BIBILOGRAPHY • WWW.WIKIPEDIA.COM • THE INDIAN BANKING SECTOR ON THE ROAD TO PROGRESS- G. H. DEOLALKAR • COUNCIL ON FOREIGN RELATIONS, IIGG INTERACTIVE GUIDE TO GLOBAL FINANCE –ARTICLE • NON BANKING INSTITUTION –PROJECT REPORT