Professional Documents
Culture Documents
taken
- WILL
ROGERS
WHAT LED TO THE SET UP OF
CENTRAL
BANKS IN DIFFERENT
COUNTRIES?
v Lending and borrowing
v
v Its origin
v
v Definition of bank
v
v
CATEGORISATION :
3.Net /E-banking.
4.ATM’s (Automated
teller machines).
5.Proxy banking.
6.NRI services.
PROXY BANKING.
the NRIs.
Non-Resident (Ordinary) Account - NRO A/c
Non-Resident (External) Rupee Account - NRE
A/c
Non-Resident (Foreign Currency) Account -
FCNR A/c
Mobile /Sms banking.
“The account that travels with
you.”
Hottest area of development in
the banking sector.
System works –SMS/ WAP.
BENEFITS:
-Bill payments.
-Fund transfers.
Cheque payment
NET / E-BANKING.
Conducting banking
Online.
Hardly 10 per cent of
Indian customers
uses the internet for
banking.
Max. use-only for
checking balanc es
& requesting issue
of new cheque
books.
Services:
- (A)Queries::
Check Balance
See Statement
Inquire about cheque status.
Ask for a statement , see Demat A/c.etc.
-(B)Transactions:
-Photo card.
-Overdraft facility.
Price mix
Rs 25.per page.
Issue of duplicate Rs.25 per page
statement
PLACE MIX.
Factors affecting the location analysis of a bank:
1. The trade area
2. Population characteristics
3. Commercial structure
4. Industrial structure
5. Banking structure
6. Proximity to other convenient outlets
7. Real estate rates
8. Proximity to public transportation
9. Drawing time
PROMOTION MIX.
Two of the fastest
growing modern
tools of
communicating with
the customers are:
1. Internet Banking
2. Mobile Banking .
People and Process mix.
Eg.of PROCESS MIX:
Let’s take for example the
process for application for a
car loan.
Now this mainly involves 3
things:
1. Producing of proper
documents.
2. Filling up of application
form.
3. Paying for the initial down
payment .
PHYSICAL EVIDENCE.
Eg.of HSBC BANK.(HONG KONG
SHANGAI BANKING
CORPORATION).
CASE STUDY-I
COMPLAINT
HANDLING-HDFC
bank.
-Explanation.
-Complaint resolution
model.
CASE STUDY –II.
CAREER
OPPORTUNITIES.
CAREER PROSPECTS.
REMUNERATIONS.
EDUCATIONAL QUALIFICATIONS.
VARIOUS OCCUPATIONS.
FUTURE PROSPECTS OF BANKS
OVERVIEW.
RISK MANAGEMENT.
CONSOLIDATION.
GLOBALISATION.
TECHNOLOGY.
REGULATIONS
SKILLED MANPOWER.
CHALLENGES.
Market disipline.
Adopting international
standards.
Technology banking.
Rural banking.
HRD in banks.
CONCLUSION.