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    PPB - Module A Unit 3 Retail Banking, Wholesale Banking.

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    kamalray75_188704880
    This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

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    PPB - Module A Unit 3 Retail Banking, Wholesale Banking.

    Uploaded by

    kamalray75_188704880
    131 views17 pages
    This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

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    PPB Unit 3

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    This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    131 views17 pages

    PPB - Module A Unit 3 Retail Banking, Wholesale Banking.

    Uploaded by

    kamalray75_188704880
    This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 17

    PPB – Module A

    Unit 3
    Retail Banking, Wholesale Banking..
    1. Retail Banking
    • Commercial Bank deal with Retail Banking Customers
    like individual, sole proprietor, partnership, firms,
    clubs, trusts, associations, school, private limited
    company, small and medium scale business entity only
    • Different types of Retail Banking Deposit Products are
    Saving Bank Account, Recurring Deposit, Current
    Account, Term Deposit, Zero Balance Account for
    Salaried Person, BSBDA [Basic Saving Bank Deposit
    Account], Senior Citizen Account
    • Different types of Retail Banking Loan Products are car
    loan, home loan, education loan, crop loan, credit card,
    SME Loans
    • Other Retail Banking Products/Services are Safe
    Deposit Lockers, Depository Services, Banc assurance
    Products
    2. Wholesale Banking
    • Refers to doing Business Business with industrial
    and business entities-mostly corporates and
    trading houses including MNC, Multinationals,
    Domestic Business houses and public sector
    companies
    • Fund Based products/services are Term Lending,
    Short Term Finance, Working Caoital Finance, Bill
    Discounting, Structured Financre, Export Credit
    • Non-Fund Based Products/Services: BG, LC,
    Collection Of Bills
    • Value Added Services: Cash Management
    Services, Channel Financing, Vendor Financing,
    RTGS, Corporate Salary Accounts, Syndication
    Services, Forex Desk, Money Market Desk,
    Derivative Desk, Employment Trusts, Tax
    Collection, Bankers to Right/Public Issue, ECS
    (Electronic Clearing Service)
    • Internet Banking Services: Payment Gateway
    Service, Corporate Internet Banking, Supply Chain
    Management, Supply Chain Partners
    3. International Banking
    • Banking Services catering to cross border
    transactions
    4. EPC [Export Packaging Credit]
    • Banks provide Pre-Shipment Finance, available
    in both Rupees as well as Foreign curriences
    to assist exporters
    5. Banks Negotiate Export Bill Under LC [Letter
    Of Credit]
    6. BG [Bank Guarantee]
    • Bank issues Guarantees for both Exporter &
    Importer under FEMA, subject to credit limit
    availability or against 100% cash margin
    7. Suppliers Credit
    • Enables Indian Exporters to extend term credit
    to importers (Overseas) of eligible goods at
    post shipment stage.
    8. EEFC A/c
    • Banks provide facility to maintain an Exchange
    Earners Foreign Currency in all permitted
    currency.
    9. Universal Banking
    • Offers all types of Financial Products like
    Mutual Fund, Capital Market related products
    including share broking, commodity broking,
    etc, sale of gold/bullion, government bonds,
    corporate bonds, providing advisory services
    and merchant banking activities, all one at
    place
    10. Depository Receipt(DR)
    • Is a type of Negotiable (Transferrable)Financial
    Instrument that is traded on a local stock
    exchange of a country but represents a
    security, usually in the form of equity that is
    issued by a foreign publically listed company.
    • Is a physical certificate, allows investor to hold
    shares in equity of other countries
    • Examples: ADR, GDR
    11. ADR
    • American Depository Receipt
    • Traded in US Stock Exchange such as NASDAQ,
    NYSE [New York Stock Exchange]
    • Traded in US$
    12. GDR
    • Global Depository Receipt
    • Listed in European Stock Exchange such as
    London Stock Exchange
    • Traded in US$, Euro
    13. Participatory Notes [P Notes]
    • On Recommendation Of Lahiri Committee in
    2004
    • Controlled by SEBI
    • Participatory Notes are like Contract Notes
    • Are issued to Foreign Institutional Investors
    (FII) to entities that want to invest in the
    Indian Stock market but doesnot want to
    register themselves with SEBI.
    • Only Foreigners or Non Resident are allowed
    • FII are not allowed to issue P-Note to Indian
    National or Corporate bodies
    • FII are required to report to the SE/bi on a
    monthly basis if they issue, renew, cancel or
    redeem Participatory Notes.
    • SEBI needs Quaterly Reports about investment
    in P-Notes.
    Thank You

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