BANKS AS FINANCIAL SERVICE

PROVIDERS

Click to edit Master subtitle style PRESENTED

11/01/15

BY:

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.

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.

11/01/15

Mobile recharge
Mutual funds
Government bonds
Demat account
Safekeeping services
Collection of taxes and utility bills
Advisory services
Distribution

Insurance

products
Gold coins
Mobile recharge
Mutual funds
Government bonds
Demat account
Safekeeping services
Collection of taxes and utility bills
Advisory services
11/01/15

INSURANCE
Insurance is defined as the transfer of the risk of
a loss, from one entity to another in exchange
for payment.
FEATURES:
Insured is compensated for the financial loss.
Click to edit Master subtitle style
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.

11/01/15

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
for life
stage needs. long-term
Planning
Safe and
profitable

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.

11/01/15

Home Insurance
Travel insurance
Motor vehicle Insurance
Health insurance
Fire insurance
(A)
LIFE INSURANCE
Marine
insurance :
Term Life Insurance
Whole life insurance
(B) GENERAL INSURANCE
Home Insurance
Travel insurance
Motor vehicle Insurance
Health insurance
Fire insurance
Marine insurance
11/01/15

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.

It is universally
acceptable
the coin is made of gold.
Buying
gold coins
is its easesince
to liquidate.
Free have
and unrestricted
import and export of gold under
They
intrinsic value.
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.

11/01/15

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
Customers can recharge their account easily and instantly.
account from home, it also saves time and energy
The account debits are reflected immediately into the
You can get your prepaid account recharged anytime and
account.
from
anywhere because they offer services 24/7 basis
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 24/711/01/15
basis

Money is invested in capital market instruments.

Investors known as unit holders.

Pools savings from a number of
Shares profit
& alosses
in proportion to their holding.
investors
having
common
financial goal.

Money is invested in capital

market instruments.

Investors known as unit holders.

Shares profit & losses in

proportion to their holding.
11/01/15

Transparency
Tax benefits
Professional management
Liquidity
Low transaction cost
Well regulated

Diversification
Transparency
Tax benefits
Professional management
Liquidity
Low transaction cost
Well regulated

11/01/15

Trust
AMC
Custodian & Depositories
Registrar & transfer Agents
Bankers
Distributors
Brokers
Sponsor

Trust
AMC
Custodian & Depositories
Registrar & transfer Agents
Bankers
Distributors
Brokers

11/01/15

Equity fund
Money market MF

Hybrid funds
Balanced funds
Growth & income funds
Asset allocation funds

Others
Commodity
Based onfunds
structure:
Real
estate funds
Open-ended
funds
ETFs
Closeofended
Fund
fundsfunds

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

11/01/15

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
interest rate compounded half-yearly
Carry
Debt8.5%
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 halfyearly
11/01/15

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).
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).

11/01/15

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
A depository is a place where the stocks of investors are held in
Depositories through which one can operate the Demat
electronic form.
account.
The
National participants
Securities Depository
(NSDL)
and the Central
Depository
are mainlyLtd
banks
and brokers.
Depository
(CDSL).
There are Services
276 DPsLtd
in India.
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.
11/01/15

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
A safe
and convenient
to hold
securities;
Automatic
credit intoway
Demat
account
of shares, arising out
Noofodd
lot problem, even one share canetc.
be sold;
bonus/split/consolidation/merger
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.
11/01/15

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.

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

11/01/15

Banks
Banks

today
deposit the
accept
sealed
duplicate keys
packets of

11/01/15

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
banking. and
Earlier,
taxes
payable
to thethrough
Central net
government
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.
11/01/15

PAYMENT OF UTILITY BILLS

Click to edit the
Collection of utility bills outline text format

such as:
Telephone
Mobile

bills

bills

Electricity

bills

Second Outline
Level

Third Outline
Level

Fourth
Outline
Level
Fifth
11/01/15
Outline

ONLINE PAYMENTS

Online shopping

Click to edit the

outline text format

Advance tax

Insurance premium

E-tickets of railways, airlines

Payment through debit

card/credit card

Second Outline
Level

Third Outline
Level

Fourth
Outline
Level
Fifth
11/01/15
Outline

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

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

11/01/15

Transaction advisory services

Portfolio advisory services

Debt advisory services

Wealth advisory services

Asset advisory services

Transaction advisory services

Portfolio advisory services

Debt advisory services

11/01/15

THANK YOU
Click to edit Master subtitle style

11/01/15