Micro-Project Proposal

Micro Project for information about

Bank Manegement system

Aims of the Micro-Project

a)To create various types of report and get more knowledge about how to make
report.
b)We have chosen this micro project to get knowledge about Bank Management system.

c)Because of the micro project now we have get deep knowledge.

Course Outcomes Addressed

a)

b)

3.0 Proposed Methodology

Collect the information of all the bank mangement system.

I searched the micro project topics related to subject. Then selected micro project title. After
selection of topic searched and collected information related to selected topic. Then
completed proposal of micro project.

4.0 Action Plan

Sr.No Details of activity Planned Start Planned Name of Responsible

. Date Team Members
Finish date

1 Decide individual micro project All Members

2 Search micro project topics related To All Members

subject.

3 Selection of micro project title All Members

4 Search information related to All Members
selected topic
 Sr. Name of Resource
/Material
Specifications Qty. Remarks

No.

1 Processor 3.00 GHZ,RAM 4

Computer System GB,HDD 500 GB 1 Used

2 Operating System Windows 7 1 Used

3 Text editor Microsoft Word 1 Used

4 Browser Mozilla Firefox, Google Chrome Used

1
5 Printer HP Laser Jet 1 Used

6 Other resource Internet Connection 1 Used

Names of Team Members with Enrollment no

Name Enrollment no

1. Narawade Vighnesh Santosh. 2009920100

2.Date Prathmesh Ashok 200992091

(To be Approved by the concerned teacher)

(Mr.Kedar Sir)
 A
PROJECT REPORT
ON

“BANK MANAGEMENT SYSTEM”

SUBMITTED IN PARTIAL FULFILLMENT OF THE
REQUIREMENTS FOR THE AWARD OF
DIPLOMA
IN

COMPUTER ENGINEERING

SUBMITTED TO

MAHARASHTRA STATE BOARD OF TECHNICAL EDUCATION, MUMBAI

SUBMITTED BY:-
1.Narawade Vighnesh Santosh
2.Date Prathmesh Ashok

GUIDED BY
( Mr.Kedar Sir)
SAMARTH POLYTECHINIC,BELHE
 SAMARTH POLYTECHINIC, BELHE

CERTIFICATE

This is to Certify that the project report entitled

“Bank Management System”

Was successfully completed by Student of Second semester Diploma in
computer engineering.

Name of Students Enrollment No.

1.Narawade Vighnesh Santosh. 2009920100
2.Date Prathmesh Ashok. 200992091

In partial fulfillment of the requirements for the award of the Diploma in

Computer Engineering and submitted to the Department of Computer of Samarth
Polytechnic, Belhe work carried out during a period for the academic year 2021-
22 as per curriculum.

Name of Guide Name of HOD Name of Principal

( Mr.Kedar Sir) (Mr. Kshirsagar Sir) ( Mr. Kapile A. S.)
 ACKNOWLEDGEMENT
This project is done as a Third semester project, as a part course titled

“Bank Management System”

We are really thankful to our course the Principal Prof. Kapile A. S. and the
HOD Prof.Kshirsagar.S.B Samarth Polytechnic, Belhe for his invaluable
guidance and assistance, without which the accomplishment of the task would have
never been possible. We also thank Prof.Mr.Kedar sir .for giving this opportunity
to explore into the real world and realize the interrelation without which a Project
can never progress. In our present project we have chosen the topic-

“Bank Management System”

We are also thankful to parents, friend and all staff of Computer engineering
department, for providing us relevant information and necessary clarifications, and
great support.

Narawade Vighnesh Santosh

Date Prathmesh Ashok
 INDEX

Sr. No. Name of Chapter Page No.

Chapter 1 Synopsis 1

1.1.
Project Title
1.2.
Project option
1.3.
Internal Guide
1.4.
Problem statement
Chapter 2 Introduction 2

Chapter 3 Evolution Of Bank 5

Chapter 4 Characteristics 7

Chapter 5 Program 8
Chapter 6 Advantages And Disadvantages 17

Chapter 7 Principle 19

Chapter 8 Objectives 20

Chapter 9 Conclusion 21

Chapter Refernce 22
10
 “Bank Management System”
CHAPTER 1
SYNOPSIS

1.1 Project Title

Bank Management System

1.2 Project Option None

1.3 Internal Guide Mr.Kedar

Sir

1.4 Problem Statement

To design the Bank mangement system

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 “Bank Management System”
CHAPTER 2 INTRODUCTION
A bank is a financial institution which accepts deposits, pays interest on
pre-defined rates, clears checks, makes loans, and often acts as an intermediary in
financial transactions. It also provides other financial services to its customers. Bank
management governs various concerns associated with bank in order to maximize
profits. The concerns broadly include liquidity management, asset management,
liability management and capital management. We will discuss these areas in later
chapters.

In the United States of America banks are regulated by the U.S. Federal
Reserve Bank which is one of the world's major central banks. Above all, central
banks are responsible for currency stability. They control inflation, dictate monetary
policies, and oversee money demand and supply in the market. Commercial or retail
banks offer various services including, but not limited to, managing money deposits
and withdrawals, providing basic checking and saving accounts, certificates of
deposit, issuing debit and credit cards to qualified customers, supplying short-and
long-term loans such as car loans, home mortgages or equity line of credits.
Investment banks gear their services toward corporate clients. They provide services
such as merger and acquisition activity and underwriting among other investment
services. One can come across many definitions of bank management. Usually bank
management means the process of governing the bank’s statutory activities. Bank
management can be defined by the particular object of management – financial
activities connected with banking concerns. Bank management also concerns the
application of management functions in the banking sector.

A bank management system ensures proper supervision of the processes of

banking to maximize profit. When we discuss bank management, some relevant
topics are often considered. In other words, what are the most important topics of
bank management To ensure a smooth running of the banking system, it must be
properly managed. So banking management takes care of all banking activities
including risk management, planning and policy formulation, profit monitoring and
other relevant roles. The Bank Management System (BMS) is a web-based
application used for paying financial institutions for the services they provide to the

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Bureau of the Fiscal Service. BMS also provides analytical tools to review, and
approve compensation, budgets, and outflows.

2.1 Origin of Banks

The origin of bank or banking activities can be traced to the Roman empire
during the Babylonian period. It was being practiced on a very small scale as
compared to modern day banking and frame work was not systematic.Modern banks
deal with banking activities on a larger scale and abide by the rules made by the
government. The government plays a crucial role with its control over the banking
system. This calls for bank management, which further ensures quality service to
customers and a win-win situation between the customer, the banks and the
government.

2.2 Scheduled & Non-Scheduled Banks

Scheduled and non-scheduled banks are categorized by the criteria or eligibility

setup by the governing authority of a particular region. The following are the basic
differences between scheduled and nonscheduled banks in the Indian banking
perspective.

Scheduled banks are those that have paid-up capital and deposits of an aggregate
value of not less than rupees five lakhs in the Reserve Bank of India. All their
banking businesses are carried out in India. Most of the banks in India fall in the
scheduled bank category. Non-scheduled banks are the banks with reserve capital of
less than five lakh rupees. There are very few banks that fall in this category.

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Fig:- Data flow diagram of bank Management system.

CHAPTER 3 EVOLUTION OF BANK

Banking system has evolved from barbaric banking where commodities

were loaned to modern day banking system, which caters to a range of financial
services. The evolution of banking system was gradual with growth in each and
every aspect of banking. Some of the major changes which took place are as follows
−

• Barter system replaced by money which made transaction uniform

• Uniform laws were setup to increase public trust
• Centralized banks were setup to govern other banks

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• Book keeping was evolved from papers to digital format with the introduction
of computers

• ATMs were setup for easier withdrawal of funds

• Internet banking came into existence with development of internet
Banking system has witnessed unprecedented growth and will be undergoing it
in future too with the advancement in technology.

➢ Growth of Banking System in India

The journey of banking system in India can be put into three different phases
based on the services provided by them. The entire evolution of banking can be
described in these distinct phases −

Phase 1

This was the early phase of banking system in India from 1786 to 1969. This
period marked the establishment of Indian banks with more banks being set up. The
growth was very slow in this phase and banking industry also experienced failures
between 1913 to 1948.

The Government of India came up with the banking Companies Act in 1949.
This helped to streamline the functions and activities of banks. During this phase,
public had lesser confidence in banks and post offices were considered more safe to
deposit funds.

Phase 2

This phase of banking was between 1969 to 1991, there were several major
decisions being made in this phase. In 1969, fourteen major banks were nationalized.
Credit Guarantee Corporation was created in 1971. This helped people avail loans
to set up businesses.

In 1975, regional rural banks were created for the development of rural areas.
These banks provided loans at lower rates. People started having enough faith and

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 “Bank Management System”
confidence on the banking system, and there was a plunge in the deposits and
advances being made.

Phase 3

This phase came into existence from 1991. The year 1991 marked the
beginning of liberalization, and various strategies were implemented to ensure
quality service and improve customer satisfaction.

The ongoing phase witnessed the launch of ATMs which made cash
withdrawals easier. This phase also brought in Internet banking for easier financial
transactions from any part of world. Banks have been making attempts to provide
better services and make financial transactions faster and efficient.

CHAPTER 4 CHARACTERISTICS

The characteristics of bank management are determined by the following

factors:

1. Management expertise in planning, management functions, strategic

analyses and policy development

2. Liquidity management

3. Planning quality

4. Risk management

5. Interest rate, currency and credit risk management

6. Management of human resources

7. Management of control systems

8. Auditing, and internal auditing

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 “Bank Management System”
9. Management of profitability and risk liquidity

10. Management of information technology system: accounting, strategic

planning, current analysis and integrated workflow automation

CHAPTER 5
PROGRAM

import java.util.Scanner; class

Bank {

private String accno;

private String name;

private long balance;

Scanner KB = new Scanner(System.in);

//method to open an account void

openAccount() {

System.out.print("Enter Account No: "); accno

= KB.next();

System.out.print("Enter Name: "); name

= KB.next();

System.out.print("Enter Balance: "); balance

= KB.nextLong();

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//method to display account details void

showAccount() {

System.out.println(accno + "," + name + "," + balance);

//method to deposit money

void deposit() {

long amt;

System.out.println("Enter Amount U Want to Deposit : ");

amt = KB.nextLong(); balance = balance + amt;

//method to withdraw money void

withdrawal() {

long amt;

System.out.println("Enter Amount U Want to withdraw : ");

amt = KB.nextLong(); if (balance >= amt) {

balance = balance - amt;

} else {

System.out.println("Less Balance..Transaction Failed..");

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 “Bank Management System”
}

//method to search an account number boolean

search(String acn) {

if (accno.equals(acn)) {

showAccount();

return (true);

return (false);

public class ExBank { public static void

main(String arg[]) {

Scanner KB = new Scanner(System.in);

//create initial accounts

System.out.print("How Many Customer U Want to Input : ");

int n = KB.nextInt(); Bank C[] = new Bank[n]; for (int i = 0;

i < C.length; i++) {

C[i] = new Bank();

C[i].openAccount();

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 “Bank Management System”
}

//run loop until menu 5 is not pressed

int ch; do {

System.out.println("Main Menu\n1. Display All\n 2. Search By Account\n

3. Deposit\n 4. Withdrawal\n 5.E xit ");

System.out.println("Ur Choice :"); ch = KB.nextInt();

switch (ch) { case 1:

for (int i = 0; i < C.length; i++) { C[i].showAccount();

break;

case 2:

System.out.print("Enter Account No U Want to Search...:

"); String acn = KB.next(); boolean found = false; for (int i

= 0; i < C.length; i++) { found = C[i].search(acn); if (found)

{ break;

if (!found) {

System.out.println("Search Failed..Account Not Exist..");

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 “Bank Management System”
break;

case 3:

System.out.print("Enter Account No : ");

acn = KB.next(); found = false;

for (int i = 0; i < C.length; i++)

{ found = C[i].search(acn); if

(found) { C[i].deposit();

break;

if (!found) {

System.out.println("Search Failed..Account Not Exist..");

} break;

case 4:

System.out.print("Enter Account No : ");

acn = KB.next(); found = false;

for (int i = 0; i < C.length; i++) { found

= C[i].search(acn);

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 “Bank Management System”
if (found) {

C[i].withdrawal();

break;

if (!found) {

System.out.println("Search Failed..Account Not Exist..");

break;

case 5:

System.out.println("Good Bye.."); break;

while (ch != 5);

OUTPUT

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CHAPTER 6 ADVANTAGES AND DISADVANTAGES

➢ Advantages of bank management systam

• Deposit money safely
• Get loans for investment and business growth

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• Regulate cash flow in the economy
• Secure your assets
• Invest easily and safely
• Reduce unemployment
• Ensure community development through corporate social responsibility
• Curb financial irregularities and fraud with their sophisticated management
system

• Enjoy easy access to financial transaction systems Encourage SMEs

through loans and microfinance services

➢ Disadvantages of bank mangement systam

• Sometimes rips you off with excessive bank charges and service fees
• Charges high-interest rates
• Gives very tough conditions for loan requests, thereby crippling startups
• Sometimes engages in unhealthy competitions among bank branches which
often affects you the customer

• Is also prone to hacking and system failure

• Also gives a customer a lot of headache due to slow decision making
• Sometimes mandates customers to go to their office for the solution to
transaction issues

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 “Bank Management System”
CHAPTER 7 PRINCIPALS

There are four main principals of bank management. These are as follows-

1. Liquidity management:

Managing financial obligations through liquidity or cash money

2. Asset management:

Assent management relates to trying to obtain high-interest rates from borrowers and
reducing the risks of those loans.

3. Liability management:

Liability management is about trying to find cheap funds and use them as a loan.

4. Capital adequacy management

Capital adequacy management is maintaining a minimum level of capital adequacy

in the bank. Available capital should not be too little or too high.

CHAPTER 8 OBJECTIVES

1. To meet the challenges of the changing environment

2. To improve customer service

3. To introduce a new scheme

4. To improve housekeeping

5. To cope up with new technology for bank

6. To modernize office equipment

7. To train employees on a regular basis

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 “Bank Management System”
8. To improve work ethics

9. To improve the overall health of the bank

10. To improve organizational culture and value system

11.To improve corporate social responsibility.

12.To improve productivity through participative management

13.To improve inspection and special audit

14. To follow the instructions and stick to rules and guidelines

15.To improve the human resources of the bank.

CHAPTER 9 CONCLUSION

Hence we study the bank mangement system the information are collect
about bank and introduction and evolution of bank. Then we has some characteristics
about the bank mangement and aslo give in details and source code and it's output
about the bank. And advantages and disadvantages of bank management system and
also give objectives and principles about bank mangement system.

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CHAPTER 10 REFERENCE

1. http://www.muengineers.in/
2. https://www.tutorialspoint.com/
3. Collage Faculties
4. Friends

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