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    Process of Deposit Mobilization

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    Chandan Srivastava
    National Bank of Pakistan outlines the process of deposit mobilization for banks. Banks mobilize deposits by providing various lending products to customers, which provides returns and supports economic growth. These lending products include running finance, cash finance, demand finance, consumer finance, and PAD. Banks also invest deposits in financial markets like money markets through treasury bills and government securities, capital markets through equities and mutual funds, and foreign exchange markets through various transactions, to ensure resources are utilized optimally and additional funds are available to meet credit demands while managing risks.

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    Process of Deposit Mobilization

    Uploaded by

    Chandan Srivastava
    904 views6 pages
    National Bank of Pakistan outlines the process of deposit mobilization for banks. Banks mobilize deposits by providing various lending products to customers, which provides returns and supports economic growth. These lending products include running finance, cash finance, demand finance, consumer finance, and PAD. Banks also invest deposits in financial markets like money markets through treasury bills and government securities, capital markets through equities and mutual funds, and foreign exchange markets through various transactions, to ensure resources are utilized optimally and additional funds are available to meet credit demands while managing risks.

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    National Bank of Pakistan outlines the process of deposit mobilization for banks. Banks mobilize deposits by providing various lending products to customers, which provides returns and supports economic growth. These lending products include running finance, cash finance, demand finance, consumer finance, and PAD. Banks also invest deposits in financial markets like money markets through treasury bills and government securities, capital markets through equities and mutual funds, and foreign exchange markets through various transactions, to ensure resources are utilized optimally and additional funds are available to meet credit demands while managing risks.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    904 views6 pages

    Process of Deposit Mobilization

    Uploaded by

    Chandan Srivastava
    National Bank of Pakistan outlines the process of deposit mobilization for banks. Banks mobilize deposits by providing various lending products to customers, which provides returns and supports economic growth. These lending products include running finance, cash finance, demand finance, consumer finance, and PAD. Banks also invest deposits in financial markets like money markets through treasury bills and government securities, capital markets through equities and mutual funds, and foreign exchange markets through various transactions, to ensure resources are utilized optimally and additional funds are available to meet credit demands while managing risks.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    of 6

    National Bank of Pakistan

    The Process of
    Deposit Mobilization

    Prepared By: Muhammad Yasir


    The Process of Deposit Mobilization

    What is Deposit?
    Deposit is a claim of customer over the bank on
    his account.

    How Banks Mobilize Deposit?


    Making Finances
    Investing in various financial markets
    The Process of Deposit Mobilization

    Purpose of Bank Financings/ Lendings:


    Positive Return on Loan
    Provision of Working Capital
    Shifting of funds into Productive Hands
    Strengthening Industrializations
    Backbone of National Economy

    Lending Products:
    Running Finance
    Cash Finance
    Demand Finance
    Consumer Finance
    PAD
    The Process of Deposit Mobilization

    Investment in Financial Markets:


    The investment functions are usually
    performed by Treasury Office of the bank.
    Treasury invest deposit for:

    Ensuring optimum utilization of


    available resources.

    Rising additional resources required for


    meeting credit demands.

    Managing market and liquidity risks.


    The Process of Deposit Mobilization

    Investment Markets

    Foreign Exchange
    Money Market Capital Market
    Market

    1. T.Bills and Govt. Securities 1. Equities e.g. shares and 1. Spot Transactions
    2. Bonds of Provincial Govt. 2. Mutual Funds 2. TOM Transactions
    3. Defense Saving Certificates 3. Bonds 3. Outright Transactions
    4. Mutual Funds etc. 4. Debt Market 4. Swap Transactions
    THANKS!

    ANY QUESTION

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