DEPARTMENT OF TECHNICAL

EDUCATION ANDHRA PRADESH

Name : Md. Qudeer Rehman
Designation : Head, CCP
Branch : DCCP
Institute : KDR, GPT Wanaparthy
Year/ semester : VI Semester
Subject : Banking Organization
Subject code : CCP-604(B)
Topic : Marketing of Banking
Products
Duration : 50 mts
Subtopic : Modern Banking Products
Teaching aids : CCP604(B).73
Diagrams 1
Objectives:

On completion of this period you

would be able to

 Explain modern banking

 Explain the banking and marketing
services
 Explain the extension of loans and
advances on various products

CCP604(B).73 2
Recap
In the previous class we have
discussed about Non-Banking Financial
Companies and

 The functions of RBI, and

commercial banks
 The types of customers
 The various accounts to be opened
 The modern banking
 customer satisfaction
 Online banking services
CCP604(B).73 3
 Modern banking

24 hours withdrawal Automation of ATM debit

Of money Services Credit card

Limited Transfer money

withdrawal Online banking

Housing, personal, Customers Easy terms and

Educational & other Satisfaction Conditions for loans
Loans
CCP604(B).73 4
Modern banking

 All the commercial banks are following

automation of services
 Modern electronic equipments are being
put to use in the banks
 On line banking services are provided to
the customers

CCP604(B).73 5
Modern
banking…
 Customization of banking services
 Extension of bank loans in various facets of
life
 The terms and conditions of loans made
simple
 Thro’ ATM Debit/credit cards the 24 hours
withrawal of limited amount of money from
any where i.e., AAA banking Any time, Any
where, Any how banks

CCP604(B).73 6
Marketing services of commercial
banks:

 Marketing services are concerned with bringing

the product to door-step of customers
 Customer satisfaction is the aim of marketing
services. Modern banking services of
commercial banks are designed to serve its
customers thro’ marketing
 The bankers are offering the marketing activities
housing loans, personal loans, educational
loans and insurances activities
CCP604(B).73 7
 Products offered
by banking

Educational
Personal Insurances
Housing loans And
loans Activities
Advances

CCP604(B).73 8
 Loans to be offered to

State/Central govt. Traders/ Non traders/private

Personnel Merchants Sector employees

As per salary service easy payment terms simple guarantee

Collateral securities by the customers

CCP604(B).73 9
 Products to be
offered
Housing loans
Purchase of land, flat/
Plot construction of
Houses, flats, farm
House and others
Insurance services
Premium payment mortgage
of policies
Collection of policy amount
Personal loans:
House appliances luxury items
Electronic equipment
Kitchen ware, computer
and systems, cars, bikes

Educational loans : Professional Studies :Medicine,

Engineering, research
Pharmacy, Law ManagementCCP604(B).73
& Studies at abroad universities
10
Summary:
we have discussed about:

 The modern banking services

 Electronic services automation of modern
banking services
 Online transfer of funds
 Marketing service products, the bankers
offer to customers

CCP604(B).73 11
Assignment:

1. Explain in the modern banking marketing

services offered by banks
2. Explain any various areas where the banker
offer their
products to their customers
3. Explain the following
a. Online transfer of funds
b. Marketing of house loans
c. personal loans

CCP604(B).73 12
Quiz
1. The banks offer the following banking
products to their customers

a) housing purchase of land flat and farm

houses
b) professional education loans and
advances
c) personal loans to purchase software,
kitchen-ware, cars, bikes and others
d) All the above

CCP604(B).73 13
Quiz

2. The interest rates on the banks products

are moderate and at low rate of interest:

a) housing loans
b) professional loans
c) personal loans
d) Insurances activities

CCP604(B).73 14
Frequently asked questions
1. Explain any eight features of modern
banking
2. Explain any four areas of marketing of
banking products
3. Explain the following:
a. loans for computer system
b. professional educational loans
c. housing loans

CCP604(B).73 15