Prepared by :BharatMehul

GauteshJaydev

Dipendra

What is Bank ?

Bank Is An Institutution Which Performs A Role To Accept Money And Lend To Borrowers Or Person Who Need Money.

It Is Just A Formal Information About Bank , It Also Plays An Important Role In Economy And Finance.

Concept of bank

• Concept of bank started in 14th century.

The Goldsmith,

• He Started To Gave Loan By Hypothecated Assets And Promissory Note.

• Began To Lend The Money To Depositors & Paid Interest On These Deposits.

• Thus, The Goldsmiths Of London Became The Forerunners Of Banking By Creating New Money Based On Credit.

• The Bank of England was the first to begin the permanent issue of banknotes, in 1695.

The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, meaning of benque is to exchange.

RBI CHIEF BANK OF INDIA

• 1st april , 1935. establishment of Reserve bank of india.

The Bank was constituted to:

1. Regulate the issue of banknotes.2. Maintain reserves to securing monetary stability.3. To operate the credit and currency system of the

country to its advantage.

• After the partition of India, the Reserve Bank served as the central bank of Pakistan up to 1948.

• The Bank, which was originally set up as a shareholder's bank, and nationalised in 1949.

• The Imperial Bank of India came into existence on 27 January 1921.

• And reserve bank after nationalised , take over the imperial bank of india and and was subsequently transformed into State Bank of India in 1955.

Organisational Structure Of R.B.I.GOVERNOR

DEPUTY GOVERNER

EXECUTIVE DIRECTORS

PRINCIPAL CHIEF GENERAL MANAGER

CHIEF GENERAL MANAGERS

GENERAL MANAGERS

DEPUTY GENERAL MANAGERS

ASSISTANT GENERAL MANAGERS

MANAGERS

ASSISTANT MANAGERS

SUPPORTIVE STAFF

Bank Policy Of RBI

• RBI Released Framework For New Banks.

• Guidelines For Licencing New Banks.

• Releases Discussion Paper.

• Roadmap For Foreign Banks.

• Guidelines For Merger.

Types of banksR.B.I

COMMERCIAL

NATIONALISED PRIVATE

CO-OPERATIVE

SHORT TERM

AGRICULTURAL CREDIT

URBAN CREDIT

LONG TERM

DEVELOPMENT BANK

EXIM

INDUSTRIAL

AGRICULTURA

L

MARKET STRUCTURE

Public Banks, 77%

Private Banks, 17%

Foreign Banks , 6%

Top 10 banks in IndiaPUBLIC SECTOR BANKS• State Bank of India(SBI)• Punjab National Bank• Bank of Baroda• Canara Bank• Bank of India

PRIVATE SECTOR BANKS• HDFC Bank• ICICI Bank• Axis Bank• Kotak Mahindra Bank• Yes Bank

Top Foreign Banks in India

• CITI Bank• Standard Chartered Bank• HSBC Bank • Royal Bank of Scotland• BNP Paribas

SERVICES & FACILITIES OF BANK

ACCEPT OF DEPOSIT

CREDIT CREATION

LOANS AND ADVANCES

CLEARANCE OF CHEQUE

SALE AND PURCHASE OF

BOND

TRANSFER OF MONEY

WORK AS A REPRESENTATIV

E

WORK AS TRUSTY

PROVIDE LETTER OF

CREDIT

Facilities Of Cards

• Visa Card

• Master Card

• Maestro Card

• RuPay

• It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards.

its principal business is to process payments between

the banks of merchants and the card issuing banks or

credit unions of the purchasers who use "MasterCard"

brand debit and credit cards to make purchases.

• Maestro cards are obtained from associate banks and can be linked to the card holder's current account , or they can be prepaid cards.

• RuPay facilitates electronic payment at all Indian banks and financial institutions, and competes with MasterCard and Visa in India.

Growth Rate

• Private Bank 50%

• Public Sector Bank 15%

• Private Public Bank 35%

• Foreign Bank 20%

SBI PNB BOB ICICI BOI CANARA HDFC IDBI AXIS CBI0

1000

2000

3000

4000

5000

6000

7000

8000

7567

2421 2287 2164 2131 21251600 1571 1424 1297

CREDIT PORTFOLIO (RS.BN)

Market share of leading bank(2014)

18

6

5

5

5

54433

42

SBI

PNB

BOB

ICICI

BOI

CANARA

HDFC

IDBI

AXIS

CBI

OTHERS

Benchmarks..

• Indian banking sector has 6th rank in all over the world rank.

• SBI has 6500+ ATMs all over the country.

• ICICI bank has 3500+ ATMs all over the country.

• RBI had printed 6,39,948 lakhs crore notes till date.

• SBI provides the facility and it is tie with 9200+ banks to use their

ATM.

• Transaction done through ATMs is around 70,000 crore in a year

Conclusion