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Banks as financial service provider

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  • Dear One of our main businesses is to open Bank Guarantees and Standby Letter of Credit as well as other Financial and Banking Instruments. We issue our Bank Guarantees and Standby Letter of Credit for Lease & Sale while on occasions as requested by the client, we can open Documentary / Deferred / Red Clause Letters of Credit and Guarantees (Bank, Bid or Performance). For every transaction we need three things 1. Lessor (Applicant) -This is our company or entity that will be applying for the Financial Instrument with the Issuing Bank on behalf of the Beneficiary. The delivery of the Financial / Banking Instrument shall be based on the Applicant's procedures. 2. Lessee (Beneficiary / Client) - This is the company who have requested the Financial Instrument whether for their own use or third party to receiving the BG/SBLC/DLC/Red Clause LC. The Client / Lessee nominates the Beneficiary of the Bank Instrument. 3. Underlying Transaction - This is the transaction that exists between the Lessor (Applicant) and the Lessee (Beneficiary). It is the reason for opening the Stand Letter of Credit or Bank Guarantee or Letter of Credit of any kind. The underlying transaction can be for obtaining loans or funding from Banks or Monetizers as well as for the Purchase and Sale of Goods or Services depending on the type of instrument requested. Should you have an interest in the Lease and Sale of these, kindly inform and we will be glad to share with you our PROCEDURAL TERMS in regards to setting things in motion for an IMPENDING TRANSACTION. Upon the acceptance of your party to work with the Lessor's Terms, we would have Legal Contract in place for the transaction to be set up between the Applicant and the Beneficiary and the delivery of the Bank Instrument will be in accordance with the Verbiage (Text) chosen by the Beneficiary's Bank. With the Legal Contract set up and the proceedings followed as stipulated in the contract, the eventual transmission of the Instrument via Swift MT199 / MT799 / MT700 / MT760 will be effected within 2 Banking Days after the Contractual Obligations have been completed. Contact : Mr.Gheorghe Ursu Email:guslease.funding@gmail.com Skype:guslease.funding Twitter..sblc_bg Instagram..bgsblc Facebook..Gus Lease Funding Regards, Gheorghe Ursu
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  • Sir/Ma I am a financial consultant and have a very good and reputable Provider of some bank instruments which can be monetised and discount for funding of your various project within lenders/investors and projects owners or borrowers that need funding for there various projects etc. We give oppurtunities for projects owner not withstanding the kind of projects, business support and can be engaged into PPP trading. Projects such as Real Estate Projects Construction Projects Government contract Projects, Transportation Projects Aviation Projects Telecommunication Projects Import and Export Projects etc. We are located in Europe and we are very ready to take a good look at your projects and faciliate the whole process. Kindly contact me if you have projects that need funding through this Contact: ... bgsblc.syed@gmail.com Skype ID: bgsblc.syed
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Banks as financial service provider

  2. 2. INTRODUCTION• Banks were used only a place to park surpluses in earlier times.• Banks have come out with many products.• Forayed in rural areas.• Provide third party products.• Become one stop service providers.• Convenient to customers.
  4. 4. INSURANCEInsurance is defined as the transfer of the risk of aloss, from one entity to another in exchange forpayment.FEATURES:Insured is compensated for the financial lossRisk is transferred from insured to insurerA person can take more than one policyInsurance policies can be modifiedPremium is charged for Insurance contract.
  5. 5. ADVANTAGES• Safe and profitable long-term investment• Assured income through annuities• Uncertainties are reduced• Creation of wealth over a period of time.• Protection against rising health expenses• Tax Benefits• Planning for life stage needs.
  6. 6. TYPES OF INSURANCE(A) LIFE INSURANCE :• Term Life Insurance• Whole life insurance(B) GENERAL INSURANCE• Home Insurance• Travel insurance• Motor vehicle Insurance• Health insurance• Fire insurance• Marine insurance
  7. 7. GOLD COIN• It is universally acceptable since the coin is made of gold.• Free and unrestricted import and export of gold under gold coin standard ensures stability in foreign exchange rates.• This is the simplest form of gold standard which can be easily understood by the common people.• Buying gold coins is its ease to liquidate.• They have intrinsic value.
  8. 8. MOBILE RECHARGE• Customers can recharge their account easily and instantly. The account debits are reflected immediately into the account.• Customers can enjoy the benefits of doing anytime and everywhere online recharge.• Online Recharge facility offers complete freedom to consumers to do instant recharge of any desired amount as per their convenience.• Online recharge enables stress free, user friendly and convenient option of refilling of the prepaid account for doing online recharge over the internet.• Online recharge not only offers convenient way of recharging account from home, it also saves time and energy• You can get your prepaid account recharged anytime and from anywhere because they offer services 24/7 basis
  9. 9. MUTUAL FUNDS• Pools savings from a number of investors having a common financial goal.• Money is invested in capital market instruments.• Investors known as unit holders.• Shares profit & losses in proportion to their holding.
  10. 10. ADVANTAGES• Diversification• Transparency• Tax benefits• Professional management• Liquidity• Low transaction cost• Well regulated
  11. 11. STRUCTURE OF MF• Sponsor• Trust• AMC• Custodian & Depositories• Registrar & transfer Agents• Bankers• Distributors• Brokers
  12. 12. TYPES OF MF• Based on structure: Open-ended funds Close ended funds• Based on type of security: Debt fund Equity fund Money market MF• Hybrid funds Balanced funds Growth & income funds Asset allocation funds• Others Commodity funds Real estate funds ETFs Fund of funds
  13. 13. GOVERNMENT BONDS• Debt instrument• Amount invested for a certain amount of time with a certain interest rate.• Issued in domestic currency• Bonds issued in foreign currency- Sovereign bonds• RBI Relief bond is the most popular.• Tax saving tool for individual investors• Carry 8.5% interest rate compounded half- yearly
  14. 14. DEMAT ACCOUNT• Demat Account, a short form of saying Dematerialized Account is a type of banking account which dematerializes the paper based physical shares.• It can be considered as another form of a personal account where people keep shares instead of money and cheques.• Demat account allows you to buy or sell shares in safe, secure and convenient way without any delay and paperwork.• Opening a Demat account is as simple as a bank account opening.• You can open a Demat account with any registered depository participant (DP).
  15. 15. PROCESS.
  16. 16. DEPOSITORIES AND DPs• A depository is a place where the stocks of investors are held in electronic form.• The National Securities Depository Ltd (NSDL) and the Central Depository Services Ltd (CDSL).• Under the arrangement, the Depository acts as registered owner of the securities in electronic form in the books of issuing company and the client will be the beneficial owner.• The Depositary Participants are the agents governed by Depositories through which one can operate the Demat account.• Depository participants are mainly banks and brokers. There are 276 DPs in India.
  17. 17. WHO CAN OPEN?• Any individual or corporate can open a Demat account.• It is possible to open more than one Demat account in identical names.• Once a Demat account has been started, it is not possible to change the account name.• In such case a new Demat account needs to be opened in the changed name, securities are to be transferred from the old account to the new account and the old account needs to be closed.
  18. 18. BENEFITS• A safe and convenient way to hold securities;• No odd lot problem, even one share can be sold;• Nomination facility• Reduction in transaction cost.• Change in address recorded with DP gets registered with all companies• Transmission of securities is done by DP eliminating correspondence with companies• Automatic credit into Demat account of shares, arising out of bonus/split/consolidation/merger etc.
  19. 19. SAFE KEEPING. SAFE DEPOSIT VAULT :- Safe keeping facility is a traditional function of banks. Lockers are easily access & provided at very reasonable rates. Rents are charged as per size of the locker and are payable in advance. Locker can be hired by Individuals, Firms, Limited Companies, Association, Societies etc.
  20. 20. CONTD…. Lockers are rented out for a minimum period of one year. Nomination for Safe deposit locker are available. Banks have two keys, one of which is kept with the banks so that bank can control access to safe.
  21. 21. SAFE CUSTODY. Banks accept sealed packets of valuables for safe keeping in their strong rooms. Packets were kept in the bank’s safe. Articles are returned upon the customer handling over the receipt. Banks today deposit the duplicate keys of branches for safe custody with other banks in case of emergencies. Only given in exceptional cases.
  22. 22. CONTD… Annual rent is calculated from the date you open the locker to the same date next year. If you decide to close your locker in midyear ,in most cases, you forego the annual rent which you paid at the beginning of the year. Most banks claim that confidentiality of the locker’s contents is maintained, unless the income tax authorities or the police deem otherwise. Locker facility is not available at all branches of a bank.
  23. 23. COLLECTION OF TAXES Earlier, taxes payable to the Central government and state governments could be paid only at the branches of the SBI and other public sector banks. Now, almost all banks, including private sector banks, have been authorized to collect taxes on behalf of the government. The amount collected are remitted to RBI where government account are kept. To facilitate easy payment of taxes, banks are providing the facility of online payment of taxes through net banking.
  24. 24. PAYMENT OF UTILITY BILLS• Collection of utility bills such as:Telephone billsMobile billsElectricity bills
  25. 25. CONTD..• Standing instructions• Convenient to customers• Banks earn commission• Maintain accounts of utility organisations
  26. 26. ONLINE PAYMENTS• Online shopping• Advance tax• Insurance premium• E-tickets of railways, airlines• Payment through debit card/credit card
  27. 27. ADVISORY SERVICES• Professional assistance needed by investors• Banks offer consulting services to private banking customers• Help in minimising risks & maximising returns• Help customers in conducting investment transactions• Contribute a substantial portion of profits of retail banking business of banks
  28. 28. TYPES OF ADVISORY SERVICES• Wealth advisory services• Asset advisory services• Transaction advisory services• Portfolio advisory services• Debt advisory services
  29. 29. THANK YOU