bisiness services
TRANSCRIPT
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BUSINESS
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Services used by enterprises for the conduct of their business activities for example banking , insurance , communication , warehousing, and
transportation
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BANKINGBank means a company accepting deposits
of money from public (for lending and investment ) repayable on demand and
withdrawal by cheque or otherwise
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Types of banks: Commercial bankCooperative bankSpecialized bank
Central bank
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Commercial bank :Public sector: they are owned by
government they are 2o in numbers E.G; SBI , PNB, IOB, etc…
Private sector : this is owned and managed by foreign promoters HDFC, ICICI
etc.. To emphasize more on profitabilityForeign banks: they are owned and
managed by foreign promoters . For example citi bank, standard chartered
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CO-OPRATIVE BANK :They provide cheap credit to their members ,
an important source of rural credit i.e. agriculture financing in India for example:
Delhi nagrik, shastri bank etc..
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SPECIALIZED BANK:They are foreign exchange banks, industrial
bank, development bank ,export/import banks, ect.. These banks provide financial aid to the industries , heavy turnover / key projects and foregine trade . For example:
IDBI,SIDBI
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CENTRAL BANK :The central bank of the country is the apex institution and the monetary authorith of a
country it issues currency and control of money supply and credit in the country . It
supervises controls and regulates the activity of all commercial banks. It also act
like banker to the government reserve bank of india is the central bank of our country
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E-BANKING
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Banking using electronic media i.e. internet with personal computer , laptop , or mobile phones ,
is called e-bankingE-banking is a service provided by all banks , in
which a costumer is allowed to conduct banking transaction through internet it includes ATMs, credit cards , debit cards, mobile banking and
internet banking
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Services offered by E-bankingElectronic fund transfer(EFTS)
Automated teller machine(ATM)Point of sales (PoS)
Credit cards
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BENEFITS OF E-BANKING•24 hours ,7 days
• It can be operate from any part of the world•It provides grater security as costumer travel
without money
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FUNCTIONS OF COMMERCIAL BANKS
ACCEPTING THE DEPOSITE:•Fixed/time deposit
•Current/demand deposit•Saving deposit accounts•Recurring deposit accounts
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Lending funds• Loans
• Cash credit• Over draft
• Discounting and purchase of bills of exchange
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Cheque facilityRemittance of
fundsAllied services
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