Professional Documents
Culture Documents
By
Prof. Tapash Ranjan Saha
Contents
• A. Meaning & types of Banks
• B. Functions and Roles of Different Types
of banks
• C. Banking products and Services
• D. Central Banking
A. Meaning & Types of Banks
BANK
Private Sector
Public Sector
national Foreign
3.On the basis of Regulation
Scheduled
Banking
Banks
Non Scheduled
Non banking
Organised UnOrganised
4.On the basis of Indian Banking
System
Organised
Unorganised
RBI ( Central Bank )
SBI & Its Subsidiary- Indigenious Bank
Nationalized Banks Mahajans
Other Commercial Banks Sahukars
Foreign Banks Beniyas
Co- operative banks Katriyas
Industrial Banks Sharaffs
Exim Banks Private Money Lenders
Non – Scheduled banks Gold Traders
B. Functions and Roles of Different
Types of banks
• CENTRAL BANK : It is the apex body of banking
System in a country .In India RBI is the central
Bank
• Functions of RBI :
• 1.bankers to all banks
• 2.Printing Controlling ,and circulation of money
• 3.Regulating Current Reverve Ratio( CRR)and
Statutory Liquidity Ratio( SLR),Margin Money
etc.
• 4.Custodian of foreign Exchange reserve of the country
• 5.Controlling Finance function of the country
• COMMERCIAL BANK :Bank which receives deposit from
public and invest in Short term and long term project to
return the money to the depositors and earn interest by
lending .Eg.SBI , UBI, etc.
• Functions :
• 1.Collection of Deposit
• 2.Granting Loans and Advances
• 3.Credit Creation by commercial bank .
• 4.Providing services like Trusteeship,
Consultants ,Custodian service ,etc.
• 5.Remittance of Funds
• 6.Modern banking Services like Debut
Card , Credit Card , Net Banking , Mobile
Banking etc.
• 7.bankers to other banks
• 8.Providing pension scheme
• POSTAL BANK :It is a bank run by the
post office to provide banking facilities to
the masses .
• Functions :
• 1.Mainly accepting deposit
• 2.Providing monthly income
• 3.Microbanking in rural area.
• CO OPERATIVE BANK: It is the bank of the
farmers to provide loan for agriculture and allied
activities , Liluah Co Operative bank , etc.
• DEVELOPMENT BANKING : Bank to invest in
infrastructure , and long term project .Eg. IDBI ,
NABARD etc.
• SCHEDULED BANK : It is a bank that is
included in the second schedule of the RBI ACT
134 which is a commercial bank, paid up capital
more than 5 Lakhs ,maintain SLR and CRR as
per RBI ,etc.Eg. SBI , HDFC bank, HSBC
C. Banking products and Services
• The modern Banking Products and services are :
• 1.PRODUCTS :
• Liability Products
• a.Savings Account
• b.Current Account
• c.Fixed Deposit Account
• Asset Products
• a.Cash Credit
• b.Overdraft Account
• cLoans & Advances
• d.Bill Discounting
• 2.Services :
• A.Credit Card
• 2.Debit Card
• 3.Mobile banking
• 4.Internet banking
• 5.Safe deposit Lockers
• 6.Fund Transfer
• 7.Depository Account
• 8.Cheques , Drafts , Patorder etc.
• 9.foreign Currency dealings
• 10.Misc. consulting services .
D. Central Banking
• In India Reserve Bank of India is the central bank the functions of RBI are as
follows :
• 1.Bankers of all banks
• 2.Formulation CRR and SLR policy
• 3.Exchange control authority
• 4.Promoting financial Systems
• 5.Regulatory of Money and credit : Monetary and Credit control is done by :
• A.Open market Operation
• B.Bank rate Policy
• C.Direct regulation of Interest
• D.Cash reserve ratio
• E.Statutory liquidity ratio
• G.Credit allocatrion
• H. Credit rationing
• i.Selective Credit Control
• J.Credit Authorisation Scheme
• K.Moral Suation
•THANKS