subhhash

BANK
Bank a organization. which provide profit & service to
customer and gain profit it self

Establishment authorized by a government to accept

deposits, pay interest, clear checks, make loans, act as an
intermediary in financial transactions, and provide other financial
services to its customers

First imperial bank of India establish in since 1921

 RBI establish 1 April 1935 with 5cr assets

Central bank of RBI head office in Bombay

All bank control by RBI in India and follow rule & regulation

One rupee & coin issue by Indian government

Punjab national bank first form of complete Indian bank

largest public sector bank of state of India

 Reserve bank of India nationalized on 1st January 1949

Oriental bank of commerce the nationalized bank that

collected the capital through public issue

On 1st July 1955 the name of imperial bank of India

changed to state bank of India

Housing development finance corporation limited the first

private sector bank in India receive an in of principle approval
from RBI
 28 commercial banks of public are in working

19 nationalized banks are there at present

14 banks were nationalized in 1969 A.D.

6 banks were nationalized in 1980 A.D.

8262 branches of banks were there in India at the time of

nationalization
 What are the main function of RBI
to issue currency

As a banker of Indian government

Banker of the various banks

To control the credit

to control foreign exchange

To inspect other job (to evaluate from time to time the

economic policies by publishing data of banking & currency )
 First ATM launched by state bank of India in kochhi on 9
Feb.. 2004

India largest mutual fund institute is UTI/ union trust Indian

UTI established in since 1964 whose main aim bank profit

Indian finance two type

1. Indian currency market
2. Indian capital market
Indian currency of 3 type :
1. currency market
2.
Origin of Indian press currency & coin

India security press Nasik (Maharashtra)

Security printing press Hyderabad (establish 1982)

Currency note press Nasik (rupee 10,50,100,500,1000)

Bank note press Dewas (M.P. Rupee 20,50,100)

RBI press limited West Bengal(shahbani)&

Karnataka (mysor)

Security paper mill Hoshngabad (M.P.)establish 1967-68

 NATIONALIZATION BANK OF FIRST STEP

Bank of India Indian Overseas Bank

Bank of Baroda Punjab National Bank

Canara Bank Union Bank of India

Dena Bank
Uti bank
Indian Bank
Maharashtra Bank
Allahabad Bank Central bank of India
United commercial bank Syndicate bank
NATIONALIZATION BANK OF SECOND STEP

Vijaya Bank

Punjab National Bank.

Andhra Bank

Corporation bank

New bank of indie

Oriented bank of commerce

Private bank Resisted office establish year

Indus ind bank pune 20/04/1994

Global trust bank Sikandra bad 06/09/1994

ICICI bank Baroda 17/051994

UTI bank Ahmada bad 28/02/1994

Times bank Farida bad 26/04/1995

Private bank Resisted office establish year

Senchurian bank panji 13/01/1995

Bank of punjab Chandigarh 05/04/1995

HDFC bank Mumbai 05/01/1995

IDBI bank Indore 28/09/1995

Development credit bank

limited Mumbai 31/05/1995
 Why need of bank
Barter system deadlock

Provide service and profit

 Types of banks

Retail banking

Business banking

Private banking

Investment banking
 TYPES OF RETAIL BANKS
Direct or Internet-Only bank

Ethical banks

Savings bank

Offshore banks

Private banks

Postal savings banks

Community development banks

Community banks
National Bank of the
Commercial bank Republic, Salt Lake City1908
 TYPES OF INVESTMENT BANKS
Investment banks

Merchant banks

BOTH COMBINED

Universal banks
OTHER TYPES OF BANKS

Central banks
Islamic banks
 TYPES OF BANKS
Islamic banking
Commercial bank Merchant bank
Credit union Mutual bank
Custodian bank Mutual savings bank
Depository bank National bank
German public bank Offshore bank
Investment bank Private bank
Industrial bank Central bank
Community development bank Advising bank
Savings and loan association Savings bank
Swiss bank
 DEPOSIT ACCOUNTS
1.Savings account
5. ATM card
2. Transactional account
6. Debit card
3. Money market account
7. Credit card
4. Time deposit
Electronic funds transfer

Banking terms
Automated Clearing House Anonymous banking
Electronic bill payment Automatic teller machine
Giro Loan
Wire transfer Money creation

Substitute check
 LIST OF BANKS
Finance series

Financial market

Financial market participants

Corporate finance

Personal finance

Public finance
 FINANCE
BANKS AND BANKING
Corporate finance
Financial regulation
Financial instruments Standards

Personal finance Economic history

Public finance

Financial markets
PERSONAL FINANCE
Credit and debt

Pawn broker

Student loan
Employment contract
Salary
Wage
Employee stock option
Deferred compensation
Direct deposit
 RETIREMENT

Pension

Defined benefit

Defined contribution

Social security

Business plan

Corporate action
 PERSONAL BUDGET

Financial planner

Financial adviser

Financial adviser

Estate planning

Financial independence
 CHANNELS

Banks offer many different channels to access their banking

and other services:
ATM
Call center
Mail
Mobile banking
Online banking
Relationship Managers

Telephone banking
Video banking
 WHOLESALE

Capital raising (Equity/ Debt / Hybrids)

Mezzanine finance
Project finance
Revolving credit
Risk management (FX, interest rates, commodities, derivatives)
Term loan
 RETAIL
Business loan

Cheque account
Credit card
Home loan
Insurance advisor
Mutual fund
Personal loan
Savings account
RISK AND CAPITAL
1. Credit risk
2. Liquidity risk
3. Market risk
4. Operational risk

BANK CRISIS

1. liquidity risk
2. credit risk
3. interest rate risk
4. Savings and Loan crisis
5. subprime mortgage crisis
 TERMS AND CONCEPTS

Bank regulation Internet banking

Bankers' bonuses Investment banking
Call Report Mobile banking
Cheque Money
Electronic funds transfer Money laundering
Factoring (finance) Narrow banking
Finance Overdraft
Fractional-reserve banking Overdraft protection
Hedge fund Piggy bank
IBAN Pigmy Deposit Scheme
 TERMS AND CONCEPTS

Stock broker

Substitute check

SWIFT

Tax haven

Venture capital

Wealth Management

Wire transfer
Crime

Bank fraud

Bank robbery

Cheque fraud

Mortgage fraud
 SIZE OF GLOBAL BANKING INDUSTRY
Assets of the largest 1,000 banks in the world grew by 6.8% in the
2008/2009 financial year to a record $96.4 trillion while profits declined
by 85% to $115bn

EU banks held the largest share of the total, 56% in 2008/2009, down
from 61% in the previous yea

Asian banks' share increased from 12% to 14% during the year, while
the share of US banks increased from 11% to 13%.

The United States has the most banks in the world in terms of
institutions (7,085 at the end of 2008) and possibly branches (82,000
 SIZE OF GLOBAL BANKING INDUSTRY

Japan had 129 banks and 12,000 branches. In 2004

Germany, France, and Italy each had more than 30,000

branchesmore than double the 15,000 branches in the UK

China's top 4 banks have in excess of 67,000 branches

(ICBC:18000+,BOC:12000+, CCB:13000+, ABC:24000+) with an
additional 140 smaller banks with an undetermined number
of branches
 BANK SERVICES
apply for a credit card
buy traveler's checks
pay your bills online
cash a check rent a safety deposit box
check your account balance review your bank statement
deposit money take out a loan
exchange money talk with a bank teller
fill out a withdraw slip talk with the bank manager
open a checking account transfer money
open a savings account
order checks
use a debit card
pay off a loan withdraw money
LIST OF GOVERNORS OF THE RESERVE
BANK OF INDIA
Sir Osborne Smith (1935 1937)
Sir James Taylor (1937 1943)
Sir C. D. Deshmukh (1943 1949)
Sir Benegal Rama Rau (1949 1957)
K. G. Ambegaonkar (1957)
H. V. R. Iyengar (1957 1962)
P. C. Bhattacharya (1962 1967)
L. K. Jha (1967 1970)
B. N. Adarkar(1970)
S. Jagannathan (1970 1975)
N. C. Sen Gupta (1975)
K. R. Puri (1975 1977)
M. Narasimham(1977)
Dr. I. G. Patel (1977 1982)
Dr. Manmohan Singh (1982 1985)
A. Ghosh(1985)
R. N. Malhotra (1985 1990)

S. Venkitaramanan (1990 1992)

Dr. (1992 November 10, 1997)

Dr. Bimal Jalan (November 11, 1997 September 5, 2003)

Dr. Y. Venugopal Reddy (September 6, 2003 September 5, 2008)

Dr. D. Subbarao (September 6, 2008 - Till Date)

 BANKING BY COUNTRY

Banking in Australia
Banking in Bangladesh
Banking in Canada
Banking in China
Banking in France
Banking in Germany
Banking in Greece
Banking in Iran
Banking in India
Banking in Israel
Banking in Italy
Banking in Pakistan
Banking in Russia
Banking in Singapore
Banking in Switzerland
Banks of the United Kingdom
Banking in the United States
 BANKING
Categories:
Asia (406)
Africa(93)
Central Banks (75)
Banking (52)
Central Banks (75)
Pacific (28)

North America (1672) Banking (58)

Latin America (374)

 Bank of India, US Operations
Canara Bank
HDFC Bank Corporation Bank
IndusInd Bank Limited DCB (Development Credit Bank Ltd.)
ABN AMRO India Dena Bank
ABN Amro International Diamond and Jewelry Deutsche Bank India
Group Financial institutions in India
Abu Dhabi Commercial Bank (India) Guardian Souharda Sahakari Bank Niyamita
Allahabad Bank ICICI Bank
Andhra Bank IDBI Bank
Bank of Baroda Indian Bank
Bank of India Indian Overseas Bank
ING Vysya
Maharshtra Bank
Oriental Bank of Commerce State Bank of Mysore
Punjab & Maharashtra Co-operative Bank Ltd State Bank of Patiala
Punjab National Bank State Bank of Saurashtra
Saraswat Bank State Bank of Travancore
South Indian Bank Syndicate Bank
Standard Chartered Bank Thane Janata Sahakari Bank Ltd
State Bank of Bikaner and Jaipur The Federal Bank Ltd
State Bank of Hyderabad Vijaya Bank
State Bank of India Union Bank of India
State Bank of Indore Utibank
UCO Bank