This presentation will provide brief knowledge about day to day functioning of banking operations with customers.

1. BANKING
SERVICESMiss Gunjan Adhikari & Mrs. Pragya Tiwari
Assistant Professor,
Devsthali Vidyapeeth
Lalpur, Rudrapur

2. BANK
Institution which is into lending and
borrowing
Banks are public, private and foreign
There are total 24 public, 22 private
and 25 foreign banks in India.

3. Public sector banks
 Allahabad Bank
 Andhra Bank
 Bank of Baroda
 Bank of India
 Bank of Maharashtra
 Canara Bank
 Central Bank of India
 Corporation Bank
 Dena Bank
 IDBI Bank Ltd
 Indian Bank
 Indian Overseas bank
 Oriental Bank of
Commerce
 Punjab & Sindh Bank
 Punjab National Bank
 State Bank of India
 State Bank of Bikaner &
Jaipur
 State Bank of Hyderabad
 State Bank of Indore
 State Bank of Mysore
 State Bank of Patiala
 State Bank of Travancore
 UCO Bank
 Syndicate Bank

4. Private banks
 Axis Bank
 Bank of Rajasthan
 Catholic Syrian Bank
 City Union Bank
 Development Credit
Bank
 Dhanalakshmi Bank
 Federal Bank
 HDFC Bank
 ICICI Bank
 IndusInd Bank
 ING Vysya Bank
 Jammu & Kashmir Bank
 Karnataka Bank
 Karur Vysya Bank
 Kotak Mahindra Bank
 Lakshmi Vilas Bank
 Nainital Bank
 Ratnakar Bank
 SBI Comm& Intl Bank
 South Indian Bank
 Tamil Nadu Mercantile
Bank
 Yes Bank

5. Foreign banks
 The Royal Bank of
Scotland
 Abu Dhabi Commercial
Bank
 American Express
Banking
 Corporation
 Antwerp Diamond Bank
 AB Bank
 Bank International
Indonesia
 Bank of America
 Bank of Bahrain & Kuwait
 Bank of Ceylon
 Bank of Nova Scotia
 BNP Paribas
 Calyon Bank
 Chinatrust Commercial
Bank
 Citibank
 DBS Bank
 Deutsche Bank
 Hong Kong & Shanghai
Banking
Corp0ration(HSBC)
 JP Morgan Chase Bank
 JSC VTB Bank
 Krung Thai Bank
 Mizuho Corporate Bank
 Mashreq Bank

6. Wide Range of Products
6
 VRETAIL
BANKING
• Loan Products: - Depository
Products
- Auto Loans -
Savings
- Loans against Securities - Current
- Personal Loans - Fixed
Deposits
- Credit Cards
- 2-Wheeler Loans
- Home Loans
- Commercial Vehicles Finance
Other Products /
Services: -- POS
Terminals
- Debit Cards
- Depository Accounts
- Mutual Fund Sales
- Insurance Sales
- NRI Services
- Bill Payment Services
WHOLESAL
E BANKING
Commercial Banking:
- Working Capital
- Credit Substitutes
- Term Loans
- Bill Collection
- Forex
&Derivatives
-
WholesaleDeposits
- Letters of Credit
- Guarantees
Transactional
Banking:
- Cash Management
- Custodial Services
- Clearing Bank
Services
- Correspondent
Banking
- Tax Collections
- Banker to public
issues
Key Segments:
- Large corporate
- Supply Chain
- Emerging
Coop
- Financial Inst
- Government
Treasury
Products: Other
Functions:
- Foreign Exchange - Asset Liability
Management
- Debt Securities - Statutory
Reserve Management
-- Derivatives
-- Equity

7. 7

8. Banking Terms:
 Depositor: who deposits the money
 RTGS: Real Time Gross Settlement
 NEFT : National Electronic Fund Transfer
 Beneficiary Bank: Bank which will receive the
amount
 Beneficiary branch: Beneficiary Bank branch
 IFSC: Indian Financial System Code
 OTP: One Time Password
 Ombudsman

10. WITHDRAWAL
VOUCHER

11. NEFT/RTGS FORM

12. DRAFT/CHEQUE
FORM

13. INTERNET AND MOBILE
BANKING
 Identity theft: ID theft occurs when someone uses your name,
Social Security number, credit card number or other personal
information without your permission to commit fraud or other
crimes. Ex.-Phishing, spyware, and hackers
 Malware: “Malicious software;" it includes viruses – programs
that copy themselves without your permission spyware, programs
installed without your consent to monitor or control your
computer activity
 BotNet : “Some spammers search the internet for unprotected
computers they can control & use anonymously to send spam,
turning them into a robot network, known as a "botnet."

14. Security checks for Internet
Banking
 Use security software that updates automatically
 Know who you're dealing with.
 Anti-Virus Software
 Firewalls
 Anti-Spyware Software
 Protect your passwords.
 Back up important files.
 Keep your operating system and Web browser up-
to-date, and learn about their security features

15. LOANS
Personal Loan
Educational Loan
Home Loan
Medical Loan
Commerce Loan

16. Accounts
Bank
Account
Saving
Current
Fixed
Deposit
Recurring
Deposit

17. Bank Frauds
 Phone Calls
 ATM
 Online frauds
 E-mails
 Avoid online scams- lottery, sharing personal & financial
information, online charity for disaster.

18. Saving Schemes in
Bank
 Pradhan Mantri Jeevan Jyoti Bima & Surakhsha Bima
Yojana
 Sukanya Samriddhi Account
 Atal Pension Yojana
 National Pension Scheme
 Pradhan Mantri Jan Dhan Yojana
 Public Provident Fund (PPF)

19. SECURITY CHECKS
OTP
Cyber Crime
cell
OmbudsmanFirewall
Security
code