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The document provides information on banking in India. It defines banking as accepting deposits that are repayable on demand for the purpose of lending and investment. It discusses the key functions of commercial banks like accepting deposits and lending. It also outlines the banking system in India, including the roles of the Reserve Bank of India and State Bank of India. Major trends in the banking sector include the rise of electronic payments and digital banking services like internet banking, mobile banking, and real-time fund transfers.

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BANKING BANKING IS WHAT A BANK DOES
DEFINITION OF BANKING Banking Regulation Act 1949 defines banking as, ACCEPTING FOR THE PURPOSE OF LENDING AND INVESTMENT, OF DEPOSITS OF MONEY FROM THE PUBLIC, REPAYABLE ON DEMAND, ORDER OR OTHERWISE AND WITHDRAWABLE BY CHEQUE,DRAFT,ORDER OR OTHERWISE.
BANK IS PART OF FINANCIAL SY STEM Financial system is one which supplies the necessary financial inputs for the production of goods and services. Economic development of any country depends upon the existence of well organized financial system.
Financial system Financial assets B Financial intermediaries A N Financial markets K S Financial instruments
BANKING SY STEM There has been a rapid development in the banking institutions in various countries. With development, various systems of banking have come into existence. Banks can be classified on the basis of volume of operator, business pattern & areas of operations.
COMMON BANKINGSY STEM BRANCH BANKING UNIT BANKING CORRESPONDANCE BANKNG DEPOSIT BANKING INVESTMENT BANKNG MIXED BANKING UNIVERSAL BANKNG
CLASSIFICATION OF BANKING Banking institutions are indispensable part in a modern developing society. On the basis of functions performed banks can be classified as follows.
BANKING STRUCTURE UNORGANISED ORGANISED COMMERCIAL INDIGENIOUS BANKS BANKS COPOERATIVE BANKS MONEY REGIONAL LENDERS RURAL BANKS ALL INDIA FINANCIAL TRADERS INSTITUTION FOREIGN BANKS INDUSTRIAL DEVELOPMENT BANKS
INDIAN BANKING UNIVERSE INDIAN BANKING UNIVERSE PUBLIC FOREIGN PRIVATE SECTOR BANKS BANKS BANKS 41 20 26
FUNCTIONS OF COMMERCIAL BANK PRIMARY SECONDARY FUNCTION FUNCTION
ADVANCING OF ACCEPTANCE OF LOANS & CREDIT DEPOSITS CREATION PRIMARY FUNCTION DEAING IN INVESTMENT FOREIGN FUNCTION EX-CHANGE
SECONDARY FUNCTIONS AGENCY SERVICES GENERAL UTILITY SERVICES
C
RESERVE BANK OF INDIA RBI was established in 1st April 1935. Present governor is Duvvuri Subbarao. There are 22 regional offices and most of them in share capital.
CENTRAL BANK OF INDIA It was started as shareholders bank with a paid up capital of 5crores. It was privately owned. In 1949, RBI was fully owned by government.
FIRST GOVERNOR Sir OSBORNE A. SMITH. [April 1st 1935 to June 30,1937] (AUSTRALIA).
F I R S T I N D I A N G OV E R N O R Sir CHINTAMAN D. DESHMUKA (August11,1943 to June30,1949).
LIST OF GOVERNOR IN RBI HE IS MR.YAGA VENUGOPAL REDDY. HE WAS ELECTED AS GOVERNOR FROM PERIOD (6TH SEPTEMBER 2003 TO 5TH SEPTEMBER 2008).
PRESENT GOVERNOR OF RBI MR.DUVVURI SUBBARAO WAS THE 22ND & CURRENT GOVERNOR OF RBI. HE ELECTED FOR PERIOD OF (5TH SEPTEMBER 2008 TO 4TH SEPTEMBER 2013).
FUNTIONS OF RBI To regulate the issue of bank notes and keep reserves , with a view to secure monetary stability in India. Generally to operate the currency and credit system of the country.
ORGANISATION CENTRAL BOARD---MUMBAI. LOCAL BOARD----MUMBAI, DELHI, CHENNAI, KOLKATA.
FUNCTION OF CENTRAL BOARD & LOCAL BOARD FUNCTION OF CENTRAL BOARD: General superintendence and direction of the banks affairs. FUNCTIONS OF LOCAL BOARD: Advise to the Central Board and economic interest of local co-operative indigenous bank.
FUNCTIONS OF RBI TRADITIONAL FUNCTION PROMOTIONAL FUNCTION SUPERVISORY FUNCTION
TR A D ITIONA L FU N C TION Monopoly of currency notes issue. Banker to government (both central &state) Agent & Advisor to Government Banker to Bankers Act as clearing house of country Lender of last resort Controller of credit Custodian of foreign exchange reserves.
PROM OTIONA L FU N C TION Promotion of banking habit and expansion of banking system Provider refinance for expert promotion Expansion of facilities for provision of the agricultural credit through NABARD Extension of n facilities for SBI Helping Co-Operative sector Prescribe minimum statutory requirement. Innovating new banking business transactions.
S U P E RV I S I O RY F U N C T I O N Granting license to banks Inspects and makes enquiry in various section of RBI and banking regulations. Implement deposit insurance scheme Periodical review of work of the commercial bank Giving directives to commercial bank Control non banking finance corporation Ensuring health of financial corporation system through on site & offsite verification.
STATE BANK OF INDIA ACTS AS AGENT OF RESERVE BANK OF INDIA.
EVOLUTION OF SBI EVOLUTION OF SBI CAN BE TRACED BACK TO THE FIRST DECADE ON 19TH CENTURY. IT BEGAN WITH ESTABLISHMENT OF THE BANK OF CALCUTTA ON 2ND JUNE 1806. ON 2ND JANUARY 1809 RENAMED AS THE BANK OF BANGAL.
FIRST JOIINT STOCK BANK IN BRITISH INDIA ESABLISHED UNDER THE SPONSORSHIP OF GOVERNMENT OF BENGAL. FOLLOWED BY BANK OF BENGAL: BANK OF BOMBAY-15TH APRIL1840 BANK OF MADRAS-1ST JULY 1843 THESE THREE DOMNIATED MODERN BANKING SCENARIO IN INDIA.
THREE BANKS WERE AMALGAMATED TO FORM THE IMPERIAL BANK OF INDIA ON 27TH JANUARY 1921. TO SERVE THE ECONOMY IN ACCORDANCE WITH FIVE YEAR PLAN (1951), THE ALL INDIA RURAL CREDIT SURVEY COMMITTEE PROPOSED THE TALE OVER OF THE IMPERIAL BANK OF INDIA.
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AN ACT WAS PASSED IN PARLIMENT OF INDIA IN MAY 1955 . AS A RESULT THE STATE BANK OF INDIA WAS ESTABLISHED ON 1ST JULY 1955.
Project about banking
ON 1959 SBI [SUBSIDARY BANKS] ACT WAS PASSED . IT ENABLED THE SBI TO MAKE EIGHT STATE ASSOCIATED BANKS AS ITS SUBSIDIARIES.
SUBSIDIARIES OF SBI: STATE BANK OF BIKANER & JAIPUR STATE BANK OF HYDRABAD STATE BANK OF MYSORE STATE BANK OF PATIALA STATE BANK OF TRAVANGORE
P RO D U C T S & S E RV I C E S O F S B I E-TICKETING SBI E-TAX EZTRADE @ SBI RTGS/NEFT E-PAYMENTS FUND TRANSFER THIRD PARTY TRANSFER DEMAND DRAFT
CHEQUE BOOK REQUEST ACCOUNT OPENING REQUEST ACCOUNT STATEMENT TRANSACTION ENQUIRY DEMAT ACCOUNT DONATION STATE BANK VIRTUAL CARD GREEN CHANNEL COUNTER KIOSK BANKING SYSTEM
RECENT TRENDS RISE OF E- MONEY ELECTRONIC CHEQUES PAYMENTS 2009-10 2009-10 65% 35% 2011-12 52% 2011-12 48%
RECENT TRENDS IN COMMERCIAL BANKING BANKING SECTOR IS THE HEART OF ECONOMY. IN 1969, 14 BANKS WERE NATIONALISED AND FOLLOWED BY 6 BANKS IN 1980. BANKING SECTOR WERE FULLY COMPUTERISED IN 1985. SOME OF THE RECENT TRENDS ::
NET BNKING It is also known as Internet banking or Online Banking. It is the process of conducting Banking transactions over the internet.
MOBILE BANKING It is also known as M- Banking. The customer can operate his account over the mobile phone.
PHONE BANKING The customer can obtain information about his account quickly, but however deposit and withdrawal cannot be made over the phone. Otherwise the information about his account can obtain.
R E A L T I M E G RO S S SETTLEMENT It is the system of funds transfer from one to another. The transactions are settled one to one without bunching with any other transactions .Once processed the payments are final and irrevocable. . Minimum amount of remittance is Rs.2 lakhs and no upper ceiling is there.
NA T I O NA L E L E C T RO N I C FUNDS TRANSFER It is a system of funds transfer. Its simple, secure, safe, fastest and cost effective pay to transfer of funds. To use this facility they furnish INDIAN FINANCIAL SYSTEM CODE[IFSC], of the beneficiary and also branch name, full account number of the beneficiary. It is chargeable.
MONEYGRAM MoneyGram is a new internet based remittance product. It is cashless money transfer. These facilities available to NRIs to remit money to India.
XPRESS MONEY X-Press money offered in arrangement with M/s UAE exchange financial service limited for remitting money to India. Money can be remitted from 180 countries across the globe.
M I N I S T RY O F C O M PA N Y A F FA I R S This facilities is provided by some banks only. MCA Payments can be done via credit card, internet banking and physical challan currently.
KIOSK BANKING It performs basic banking activities.
GREEN CHANNEL COUNTER STATE BANK OF INDIA introduced this services on 1st July 2010 at 57 pilot branches across country. Through this one can do all works in bank without using challen.
CHEQUE TRUNCATION SY STEM It is a image based clearing system. It is issued u/s 18 of the payment & settlement system act 2007.
THANKS FOR WATCHING by 3 RD B.COM STUDENTS STAFF ADVISOR DR.S.KOTHAI.

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Project about banking

  • 2. DEFINITION OF BANKING Banking Regulation Act 1949 defines banking as, ACCEPTING FOR THE PURPOSE OF LENDING AND INVESTMENT, OF DEPOSITS OF MONEY FROM THE PUBLIC, REPAYABLE ON DEMAND, ORDER OR OTHERWISE AND WITHDRAWABLE BY CHEQUE,DRAFT,ORDER OR OTHERWISE.
  • 3. BANK IS PART OF FINANCIAL SY STEM Financial system is one which supplies the necessary financial inputs for the production of goods and services. Economic development of any country depends upon the existence of well organized financial system.
  • 4. Financial system Financial assets B Financial intermediaries A N Financial markets K S Financial instruments
  • 5. BANKING SY STEM There has been a rapid development in the banking institutions in various countries. With development, various systems of banking have come into existence. Banks can be classified on the basis of volume of operator, business pattern & areas of operations.
  • 6. COMMON BANKINGSY STEM BRANCH BANKING UNIT BANKING CORRESPONDANCE BANKNG DEPOSIT BANKING INVESTMENT BANKNG MIXED BANKING UNIVERSAL BANKNG
  • 7. CLASSIFICATION OF BANKING Banking institutions are indispensable part in a modern developing society. On the basis of functions performed banks can be classified as follows.
  • 8. BANKING STRUCTURE UNORGANISED ORGANISED COMMERCIAL INDIGENIOUS BANKS BANKS COPOERATIVE BANKS MONEY REGIONAL LENDERS RURAL BANKS ALL INDIA FINANCIAL TRADERS INSTITUTION FOREIGN BANKS INDUSTRIAL DEVELOPMENT BANKS
  • 9. INDIAN BANKING UNIVERSE INDIAN BANKING UNIVERSE PUBLIC FOREIGN PRIVATE SECTOR BANKS BANKS BANKS 41 20 26
  • 10. FUNCTIONS OF COMMERCIAL BANK PRIMARY SECONDARY FUNCTION FUNCTION
  • 11. ADVANCING OF ACCEPTANCE OF LOANS & CREDIT DEPOSITS CREATION PRIMARY FUNCTION DEAING IN INVESTMENT FOREIGN FUNCTION EX-CHANGE
  • 12. SECONDARY FUNCTIONS AGENCY SERVICES GENERAL UTILITY SERVICES
  • 13. C
  • 14. RESERVE BANK OF INDIA RBI was established in 1st April 1935. Present governor is Duvvuri Subbarao. There are 22 regional offices and most of them in share capital.
  • 15. CENTRAL BANK OF INDIA It was started as shareholders bank with a paid up capital of 5crores. It was privately owned. In 1949, RBI was fully owned by government.
  • 16. FIRST GOVERNOR Sir OSBORNE A. SMITH. [April 1st 1935 to June 30,1937] (AUSTRALIA).
  • 17. F I R S T I N D I A N G OV E R N O R Sir CHINTAMAN D. DESHMUKA (August11,1943 to June30,1949).
  • 18. LIST OF GOVERNOR IN RBI HE IS MR.YAGA VENUGOPAL REDDY. HE WAS ELECTED AS GOVERNOR FROM PERIOD (6TH SEPTEMBER 2003 TO 5TH SEPTEMBER 2008).
  • 19. PRESENT GOVERNOR OF RBI MR.DUVVURI SUBBARAO WAS THE 22ND & CURRENT GOVERNOR OF RBI. HE ELECTED FOR PERIOD OF (5TH SEPTEMBER 2008 TO 4TH SEPTEMBER 2013).
  • 20. FUNTIONS OF RBI To regulate the issue of bank notes and keep reserves , with a view to secure monetary stability in India. Generally to operate the currency and credit system of the country.
  • 22. FUNCTION OF CENTRAL BOARD & LOCAL BOARD FUNCTION OF CENTRAL BOARD: General superintendence and direction of the banks affairs. FUNCTIONS OF LOCAL BOARD: Advise to the Central Board and economic interest of local co-operative indigenous bank.
  • 23. FUNCTIONS OF RBI TRADITIONAL FUNCTION PROMOTIONAL FUNCTION SUPERVISORY FUNCTION
  • 24. TR A D ITIONA L FU N C TION Monopoly of currency notes issue. Banker to government (both central &state) Agent & Advisor to Government Banker to Bankers Act as clearing house of country Lender of last resort Controller of credit Custodian of foreign exchange reserves.
  • 25. PROM OTIONA L FU N C TION Promotion of banking habit and expansion of banking system Provider refinance for expert promotion Expansion of facilities for provision of the agricultural credit through NABARD Extension of n facilities for SBI Helping Co-Operative sector Prescribe minimum statutory requirement. Innovating new banking business transactions.
  • 26. S U P E RV I S I O RY F U N C T I O N Granting license to banks Inspects and makes enquiry in various section of RBI and banking regulations. Implement deposit insurance scheme Periodical review of work of the commercial bank Giving directives to commercial bank Control non banking finance corporation Ensuring health of financial corporation system through on site & offsite verification.
  • 27. STATE BANK OF INDIA ACTS AS AGENT OF RESERVE BANK OF INDIA.
  • 28. EVOLUTION OF SBI EVOLUTION OF SBI CAN BE TRACED BACK TO THE FIRST DECADE ON 19TH CENTURY. IT BEGAN WITH ESTABLISHMENT OF THE BANK OF CALCUTTA ON 2ND JUNE 1806. ON 2ND JANUARY 1809 RENAMED AS THE BANK OF BANGAL.
  • 29. FIRST JOIINT STOCK BANK IN BRITISH INDIA ESABLISHED UNDER THE SPONSORSHIP OF GOVERNMENT OF BENGAL. FOLLOWED BY BANK OF BENGAL: BANK OF BOMBAY-15TH APRIL1840 BANK OF MADRAS-1ST JULY 1843 THESE THREE DOMNIATED MODERN BANKING SCENARIO IN INDIA.
  • 30. THREE BANKS WERE AMALGAMATED TO FORM THE IMPERIAL BANK OF INDIA ON 27TH JANUARY 1921. TO SERVE THE ECONOMY IN ACCORDANCE WITH FIVE YEAR PLAN (1951), THE ALL INDIA RURAL CREDIT SURVEY COMMITTEE PROPOSED THE TALE OVER OF THE IMPERIAL BANK OF INDIA.
  • 33. AN ACT WAS PASSED IN PARLIMENT OF INDIA IN MAY 1955 . AS A RESULT THE STATE BANK OF INDIA WAS ESTABLISHED ON 1ST JULY 1955.
  • 35. ON 1959 SBI [SUBSIDARY BANKS] ACT WAS PASSED . IT ENABLED THE SBI TO MAKE EIGHT STATE ASSOCIATED BANKS AS ITS SUBSIDIARIES.
  • 36. SUBSIDIARIES OF SBI: STATE BANK OF BIKANER & JAIPUR STATE BANK OF HYDRABAD STATE BANK OF MYSORE STATE BANK OF PATIALA STATE BANK OF TRAVANGORE
  • 37. P RO D U C T S & S E RV I C E S O F S B I E-TICKETING SBI E-TAX EZTRADE @ SBI RTGS/NEFT E-PAYMENTS FUND TRANSFER THIRD PARTY TRANSFER DEMAND DRAFT
  • 38. CHEQUE BOOK REQUEST ACCOUNT OPENING REQUEST ACCOUNT STATEMENT TRANSACTION ENQUIRY DEMAT ACCOUNT DONATION STATE BANK VIRTUAL CARD GREEN CHANNEL COUNTER KIOSK BANKING SYSTEM
  • 39. RECENT TRENDS RISE OF E- MONEY ELECTRONIC CHEQUES PAYMENTS 2009-10 2009-10 65% 35% 2011-12 52% 2011-12 48%
  • 40. RECENT TRENDS IN COMMERCIAL BANKING BANKING SECTOR IS THE HEART OF ECONOMY. IN 1969, 14 BANKS WERE NATIONALISED AND FOLLOWED BY 6 BANKS IN 1980. BANKING SECTOR WERE FULLY COMPUTERISED IN 1985. SOME OF THE RECENT TRENDS ::
  • 41. NET BNKING It is also known as Internet banking or Online Banking. It is the process of conducting Banking transactions over the internet.
  • 42. MOBILE BANKING It is also known as M- Banking. The customer can operate his account over the mobile phone.
  • 43. PHONE BANKING The customer can obtain information about his account quickly, but however deposit and withdrawal cannot be made over the phone. Otherwise the information about his account can obtain.
  • 44. R E A L T I M E G RO S S SETTLEMENT It is the system of funds transfer from one to another. The transactions are settled one to one without bunching with any other transactions .Once processed the payments are final and irrevocable. . Minimum amount of remittance is Rs.2 lakhs and no upper ceiling is there.
  • 45. NA T I O NA L E L E C T RO N I C FUNDS TRANSFER It is a system of funds transfer. Its simple, secure, safe, fastest and cost effective pay to transfer of funds. To use this facility they furnish INDIAN FINANCIAL SYSTEM CODE[IFSC], of the beneficiary and also branch name, full account number of the beneficiary. It is chargeable.
  • 46. MONEYGRAM MoneyGram is a new internet based remittance product. It is cashless money transfer. These facilities available to NRIs to remit money to India.
  • 47. XPRESS MONEY X-Press money offered in arrangement with M/s UAE exchange financial service limited for remitting money to India. Money can be remitted from 180 countries across the globe.
  • 48. M I N I S T RY O F C O M PA N Y A F FA I R S This facilities is provided by some banks only. MCA Payments can be done via credit card, internet banking and physical challan currently.
  • 49. KIOSK BANKING It performs basic banking activities.
  • 50. GREEN CHANNEL COUNTER STATE BANK OF INDIA introduced this services on 1st July 2010 at 57 pilot branches across country. Through this one can do all works in bank without using challen.
  • 51. CHEQUE TRUNCATION SY STEM It is a image based clearing system. It is issued u/s 18 of the payment & settlement system act 2007.
  • 52. THANKS FOR WATCHING by 3 RD B.COM STUDENTS STAFF ADVISOR DR.S.KOTHAI.