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Introduction

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History

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Evolution

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Banking V/s Finance

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Banking Activities

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Services pr vi ed by Banks

BankAccounts

LoansMoneyTransfer

Credit andDebit cards

Lockers

Non-Resident (Ordinary)Account - NRO A/c

Non-Resident (External)Rupee Account - NRE A/c

Non-Resident

(Foreign Currency)

Account - FCNR A/c

Services pr vided t NRIs

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F r ig xch g s rvic s

Curr cyExch g

Wir tr sf rF r ig Curr cy

B ki g

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Marketing of Banking Services

Product, Place, Pricing, Distribution and Promotiondecisions in t e c anging socio-economic and businessenvironment.

oncerned wit t e designing of roduct strategies kee ingin view t e needs and requirements of ros ects.

It is also related wit t e lace decision i.e. locating bankat suitable oint.

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Primary Operati ns f Banks

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Types of banks

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AllahabadBank | Andhra Bank | Bank f Bar da | Bank f India | Bank f

Maharashtra |

Canara Bank | Central Bank f India | C rp rati n Bank | Dena Bank | Indian Bank |

IndianOverseas Bank | Oriental Bank f C mmerce | Punjab & Sind Bank | Punjab

Nati nal Bank |

State Bank f India | Syndicate Bank | UCO Bank | United Bank f India | Uni n Bank

f India |

ijaya Bank

Central Bank Reserve bank f India

Public Sector Bank

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Examples:

Bank fPunjab | Bank f Rajasthan | Catholic Syrian Bank | Centurion Bank | City

Union Bank | Dhanalakshmi Bank | Development Credit Bank | Federal Bank | HDFCBank | ICICI Bank | IDBI Bank | IndusInd Bank | ING ysya Bank | Jammu & Kashmir

Bank | Karnataka Bank | Karur ysya Bank | Laxmi ilas Bank | South Indian

Bank | United Western Bank | UTI Bank

Private Sector Banks

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Co-operative Sector

State co-operative Banks

Central co-operative banks

Primary Agriculture Credit Societies

T ey are governed by t e Banking Regulations Act 1949 and Banking La s (Co-

operative Societies) Act, 1965.

Some cooperative banks in India are more for ard t an many of t e state and private

sector banks.

T e total deposits & lendings of Cooperative Banks in India is muc more t an Old

Private Sector Banks & also t e Ne Private Sector Banks.

T is exponential gro t of Co operative Banks in India is attributed mainly to t eir

muc better local reac , personal interaction it customers, and t eir ability to catc

t e nerve of t e local clientele.

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Development Banks/Financial Institutions

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Regi l Rur l ks i I i

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Banking C annels:

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Proxy Banking in India

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Easy Banking

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Automated Teller Mac ine (ATM)

The first ank to introduce the AT conce t in India was the Hongkong andShanghai Banking or oration (HSBC) in the year 1987

The first ank to cross 1,000 arks in installing AT s in India is ICICI.

The Cor oration Bank has the second largest network of AT s amongst thePu lic Sector Banks in India.

The Indian anks have also come u with a 'Swadhan' scheme. nder thisscheme, the anks can use each other's AT at a cost, usually s. 35 extrafrom their customers.

Cost of setti g centerCost of setting center

A roximately s.1mn it takes for the setting ofan AT center. s.1.2-1.4mner annum is needed for its maintenance. To kee the cost in equili riumosition, there should e around 250-300 transactions er day er AT .

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Mobile Banking

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SMS Banking

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Internet Banking/E-Banking:

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Services provided by Net Banking

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Net Banking Soft are Providers

Bank Name Technology Vendor Service offering

ABN AMRO Bank Infosys (BankAway) Net Banking

Bank of India I-flex BOIonline

Citibank Orbitech (now Polaris) Citibank Online

Corporation Bank I-flex CorpNet

Federal Bank Sanchez FedNet

Global Trust Bank Infosys (BankAway) ibank@gtb

HDFC Bank i-flex/ Satyam Net Banking

HSBC Online@hsbc

ICICI Bank Infosys, ICICI InfoTech Infinity

IDBI Bank Infosys (BankAway) i-net banking

IndusInd Bank CR2 Indus Net

Standard Chartered Bank In-House Me Standard Chartered Online

State Bank of India Satyam/Broad vision onlinesbi.com

UTI Bank Infosys (BankAway) iConnect

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RBI Norms for t e ne banks

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