types of bank in india
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Presenting:Narendra Kumar
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What is bank ??
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Bank is a financial institution which receives deposits from
the public and lends them for investment purpose i.e.,
deposits of money and advances of the Main function of
banks, but in the era of globalization banks indulges
themselves in many activities like Insurance, Mutual Fund
Business and Investment in Stock Exchanges.
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History of Bank
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1870
Bank of Hindustan
First Bank
Presidency Banks
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Bank of Calcutta, Bank of Bombay and Bank of Madras
1921
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All 3 banks amalgamated and became Imperial Bank of India
1934
RBI was Constituted
1949
RBI came under government control
1955
Imperial Bank became State bank of India
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Types of Banks
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On the basis of creation of money
Central Bank
Commercial Bank
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Central Bank
It is a bank of bankers. Its duty is to control the monetary base andsupply of money.
E.g. Reserve bank of India
Main functions: Bank of Issue Monetary authority Regulator and supervisor of the financial system
Managerial of exchange control Issuer of currency
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Commercial Bank
A commercial bank is a type of retail bank that providesservices, such as accepting deposits, giving business loans
and basic investment products.E.g.:
All types of banks
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On the basis of Registration
Schedule Bank
Non Schedule Bank
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Schedule Bank
A Scheduled bank as per the Reserve Bank ofIndiaregulations is a bank that is authorized to provide bankingservices in India. Without RBI authorization no bank is
supposed to provide banking services in India.
E.g:
State bank of India
Icici bank
Hdfc bank
Punjab national bank etc.
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Schedule bank
Schedule commercialbank
Publicsector
Nationalizedbank
SBI andAssociates
Privatesector
Foreignbank
Regional ruralbank
Schedule co-operativebank
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Non Schedule Bank
The banks which are not registered in the list of central bank underits charter are known as non-scheduled banks. They are not boundto perform banking services according to the policies andinstructions of central bank.
These banks do not fulfill the required qualifications of a scheduledbank as prescribed by the central bank. They also do not enjoy thepublic confidence. In many countries, many non-scheduled banksare also working.
E.g. Bank of Punjab was a non-scheduled bank.
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On the basis of ownership
Government Bank / Nationalized Bank
Private Bank
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Government Bank
Those banks which are owned by the central or provincialgovernment of a country.
E.g:
Allahabad Bank Central Bank of IndiaAndhra Bank Corporation Bank
Bank of Baroda Dena Bank
Bank of India Indian Bank
Bank of Maharashtra Oriental Bank of Commerce
Canara Bank Syndicate BankIndian Overseas Bank Punjab & Sind Bank
Punjab National Bank State Bank of India
UCO Bank United Bank of India
Union Bank of India Vijaya Bank
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State Bank Group
State bank of Bikaner & Jaipur
State bank of Hyderabad
State bank of India
State bank of Mysore
State bank of Patiala
State bank of Travancore
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Private Bank Old generation private banks
New generation private banks
Foreign banks operating in India
Scheduled co-operative banks
Non-scheduled banks
Examples:
Bank of Punjab UTI Bank Catholic Syrian Bank
Centurion Bank City Union Bank Dhanalakshmi Bank
Development Credit Bank Federal Bank HDFC Bank
ICICI Bank IndusInd Bank ING Vysya Bank
Jammu & Kashmir Bank Karnataka Bank Karur Vysya Bank
Laxmi Vilas Bank South Indian Bank United Western Bank
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On the basis of Domicile
Domestic Bank
International Bank
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Domestic Bank
Those banks which are owned by the state or public of acountry
E.g:
Allahabad BankCentral Bank of India
Andhra BankCorporation BankBank of Baroda
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International Bank
Those banks which are owned by the State or public of foreigncountry
E.g:
American Express BankABN Amro BankAbu Dhabi Commercial BankBarclays BankBNP Paribas
CitibankDBS BankHSBC BankStandard Chartered Bank
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Development Bank
International development bank
Regional development bank Industrial development bank
Agricultural development bank
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International development bank
Those banks which focus on the agricultural, industrial and
social welfare of all countries at International level E.g: World Bank
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Regional development bank Banks which are established for the development of a
specific region or area
E.g: Asian development bank
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Industrial development bank
Banks which are establish for the development of industry
E.g.: IDBI
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Agricultural development bank
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Banks which are established for the developmentof agricultural sector
E.g: NABARD
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On the basis of Function Investment bank
Saving Bank
Consumer Bank
Exchange Bank
Mortgage Bank
Co-operative Bank
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Investment bankBanks specializing in large scale deposits and dealingmainly with companies instead of public
E.g:
Bank of America
Yes Bank
City bank
Kotak Mahindra bank etc.
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Saving BankThose banks which develop saving habits in people
E.g:
Corporation BankDena BankIndian BankIndian Overseas Bank
Oriental Bank of CommercePunjab & Sind Bank
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Consumer Bank
Those banks which advance loans to its customers
E.g: All Commercial Bank
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Exchange Bank
These banks deals in exchange of currency, issuance of travelCheques etc.
E.g: Western Union Bank
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Mortgage BankThese banks provide loans of short, medium and long termnature against land and buildings
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Union Bank of India
HDFC Bank
Standard Chartered Bank
Bank of Baroda
Central Bank of India
State Bank of Indore
Andhra BankPunjab National Bank
Canara Bank
Indian Bank
Vijaya Bank
State Bank of India
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Co-operative Bank
These banks provide credit facilities to the residents of theparticular area or a particular class of people.
Scheduled Urban Co-operative Bank
E.g: janata sahkari co. bank ltd.
bharat co. bank ltd. Etc.
State Co-operative bankE.g: The Goa state co. bank ltd.
The Delhi state co. bank ltd. Etc.
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