S.K.

C O L L E G E
OF SC I E N C E AND COMMERCE

OVERVIEW ON BANKING
SECTOR
By - SHRADDHA G. PADOLKAR
SYBBI | SRN-2021080018
 INDEX 2

 Overview On Banking Sector

 Structure Of Banks
 Types Of Banks
 List Of Foreign Banks In India
 Functions Of A Bank
 How Does The Banking Sector Work?
 Conclusion
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Overview On Banking
Sector

• The word BANK is derived from the Latin word ‘BANCA‘

• After independence, the government passed the banking ‘Regulations Act 1949’ to regulate the
business of banks to protect the depositor's vital tool got economic development & progress
• Banking is an industry that deals with credit facilities, storage of cash, investments and other financial
transactions. Banking is an integral part of the whole financial system
• The banking industry is the backbone of global economies
• The banking sector plays a significant role in the economic growth and development of any country
 Structure Of 4

Banks RBI

Non-Schedule Development
Schedule Banks
Banks Banks
Commercial Co-operative
IFCI IDBI
Banks Banks
Public Sector Private Sector Rural Co- Urban Co-
EXIM SIDBI
Banks Banks operative Banks operative Banks
Regional Rural State Co- District Co-
Foreign Banks NABARD
Banks operative Banks operative Banks
Other Co-
operative Banks
 Commercial Banks
5
• The term commercial bank refers to a financial institution that accepts deposits, offers checking account services,
makes various loans, and offers basic financial products like certificates of deposit (CDs) and savings accounts to 5
individuals and small businesses. A commercial bank is where most people do their banking.

• Commercial banks make money by providing and earning interest from loans such as mortgages, auto loans,
business loans, and personal loans. Customer deposits provide banks with the capital to make these loans.

Types • A co-operative bank is a small-sized, financial entity, where its members are the owners and customers of the
Bank. They are regulated by the Reserve Bank of India (RBI) and are registered under the States Cooperative

Of
Societies Act.

Banks Co-operative Banks

• Development bank, national or regional financial institution designed to provide medium- and long-term capital
for productive investment, often accompanied by technical assistance, in poor countries.

• Development banks may be publicly or privately owned and operated, although governments frequently make
substantial contributions to the capital of private banks.

Development Banks
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List Of Foreign
Banks In India
• Standard Chartered Bank
• Bank of America
• Citi Bank
• DBS Bank
• HSBC India
• Deutsche Bank
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Functions Of
•
• Banks
Acceptance of deposits from the public
Provide demand withdrawal facility
• Lending facility
• Transfer of funds
• Issue of drafts
• Provide customers with locker facilities
• Dealing with foreign exchange
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How Does The Banking
Sector Work?
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Conclusion

In Conclusion, banking holds a crucial role in our day-to-day life. We

must adhere to the banking system as responsible citizens.

The banking system acts as a crucial base for the financial system as
well as the entire economic system of the country.

It provides a base to the market and the companies.

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Thank You