BANK PRESENTATION

This slide is of bank and history of bank.
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1. SUBMITTED BY: SIDDHESH SHAH BANKING SECTOR IN INDIA

2. WHAT IS A BANKING? Banking Regulation Act of India ,1949 defines banking as “accepting for the purpose of lending or investment of deposits of money from the public repayable on demand or otherwise or withdrawal by cheque , draft order or otherwise”. The Reserve Bank of I ndia A ct 1934 and the B anking Regulation Act 1949 governs the banking operation in India. A bank is a financial institution that accepts deposits from the public for the purpose of lending and investment .

3. HISTORY OF BANK PHASE I (Before 1806) 1770 Bank Of Hindustan was established in India by Alexander and Company . It was the first bank in India but it was unsuccessful soon (1829-1832).

4. PHASE II (1806-1860) Three Presidency Bank were established in India by Britishers They entered from west and captured whole India . There were three presidency bank which brought revolution in banking industry namely: Bank of Calcutta(1806) Bank of Bombay(1840) Bank of madras(1843 )

5. PHASE III (1860-1913) 1. (1865) Allahabad Bank was established it is the Oldest Public Sector Bank in India. 2. (1881) Awadh Commercial Bank was established at Faizabad-1 st bank of limited liability managed by Indians.(after independence in 1958 this bank failed.) 3. (1894) Punjab National Bank was established at Lahore in Punjab Province of undivided India (it was 1 st complete Indian bank which was started with Indian capital run by Indians established by Indians and even customers were also Indians) Founder of PNB was LALA LAJPAT RAI.

6. PHASE IV (1913-1980) 1. 1 ST India Commercial Bank owned and managed by Indian: Central bank of India established in 1911. It was also First Swadeshi bank . 2. 17 th January ,1921 Three presidency bank were amalgamated to form a single bank namely Imperial Bank Of India 3. In 1955 Imperial Bank Of India was converted into State Bank Of India.

7. Classification of banks in india 1.RBI: The RBI is the supreme monetary and banking authority in the country and has the responsibility to control the banking system in the country 2. Public sector bank: PSBs are banks where the majority stake ( i.e more than 50%) is held by a government. The shares of these banks are listed on the stock exchange. 3. Private sector bank: Private Sector Banks are the banks where greater parts of state or equity are held by private shareholders and not by government.

8. 4.Cooperative sector bank: Cooperative sector banks are retail and commercial banks organized on a cooperative basis. 5.Development banks: Development banks are those financial institutions whose primary goal is to finance the primary(basic) needs of the society.

9. Reserve Bank Of India The  Reserve Bank of India  ( RBI ) is India's central banking institution, which controls the monetary policy of the Indian rupee. It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act, 1934. A Central Bank is an independent apex monetary authority which regulates banks and provides important financial services like storing of foreign exchange reserves, control of inflation, monetary policy report.

10. Commercial banks Commercial bank comprises of public sector bank, foreign bank and private sector bank ,represent the most important financial intermediary in the Indian financial system. Functions of commercial banks: 1.Acceptance of deposits 2.Advancing of loans 3.Agency function(collecting receipt and making payments) 4.General utility function(providing atms and credit card facility)

11. Investment Bank An Investment bank is typically a private company that provide various financial related and other services to individuals, and government such as raising financial capital by underwriting. An Investment bank may also assist companies involved in Mergers and acquisitions(M&A).

12. Cooperative Bank Cooperative banking institutions take deposit and lend money in most parts of the world. Cooperative banks are that banks that holds deposits, makes loans and provides other financial services to cooperatives and member owned organisations also known as bank of cooperative.

13. Modern Modes Of Transaction E-Banking: banking activity carried on through computers and other electronic means of communication is called e-banking. Automated Teller Machine(ATM) Debit Card Credit Card

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