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    A Presentation On Commercial Banks

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    Ahel Patrick Vitsu
    Commercial banks are financial institutions that accept deposits and create credit by lending money primarily to businesses, individuals, and organizations. They perform key functions like accepting deposits, advancing loans, and facilitating credit creation and trade. Commercial banks in India are registered under the Indian Companies Act and regulated by the Banking Regulation Act. They play an important role in mobilizing savings, financing industry, agriculture, trade and employment.

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    A Presentation On Commercial Banks

    Uploaded by

    Ahel Patrick Vitsu
    167 views9 pages
    Commercial banks are financial institutions that accept deposits and create credit by lending money primarily to businesses, individuals, and organizations. They perform key functions like accepting deposits, advancing loans, and facilitating credit creation and trade. Commercial banks in India are registered under the Indian Companies Act and regulated by the Banking Regulation Act. They play an important role in mobilizing savings, financing industry, agriculture, trade and employment.

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    Management Study Notes

    Original Title

    A Presentation on Commercial Banks

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    Commercial banks are financial institutions that accept deposits and create credit by lending money primarily to businesses, individuals, and organizations. They perform key functions like accepting deposits, advancing loans, and facilitating credit creation and trade. Commercial banks in India are registered under the Indian Companies Act and regulated by the Banking Regulation Act. They play an important role in mobilizing savings, financing industry, agriculture, trade and employment.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    167 views9 pages

    A Presentation On Commercial Banks

    Uploaded by

    Ahel Patrick Vitsu
    Commercial banks are financial institutions that accept deposits and create credit by lending money primarily to businesses, individuals, and organizations. They perform key functions like accepting deposits, advancing loans, and facilitating credit creation and trade. Commercial banks in India are registered under the Indian Companies Act and regulated by the Banking Regulation Act. They play an important role in mobilizing savings, financing industry, agriculture, trade and employment.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 9

    A Presentation on

    Functions and Roles of


    Commercial Banks

    Presented By;
    Ahel Vitsu
    NU/MN-02/11
    Contents
    1) Introduction: Meaning and Definition
    2) Commercial Banks in India
    3) Functions of Commercial Banks
    4) Role of Commercial Banks
    5) Conclusion
    6) References
    Introduction: Meaning and Definition
    Introduction: Meaning and Definition
    A bank is an institution which accepts deposits from the
    public and in turn advances loans by creating credit.

    Commercial banks
    Commercial banks
    • Commercial Banks are those banks which perform all kinds of banking
    • Commercial Banks are those banks which perform all kinds of banking
    functions such as accepting deposits, advancing loans, credit creation
    functions
    and agency such as accepting deposits, advancing loans, credit creation
    functions.
    and agency
    • They usually functions.
    advance short-term loan to the customers. Of late, they
    • They usually advance short-term loan to the customers. Of late, they
    have started giving medium –term and long term loans also.
    have started giving medium –term and long term loans also.
    Commercial Banks in India
    Commercial Banks in India

    • Registered under the Indian Companies Act, 1936 and regulated by the
    • Registered under the Indian Companies Act, 1936 and regulated by the
    Indian Banking Regulation Act, 1949. Also called as Joint Stock Banks.
    Indian Banking Regulation Act, 1949. Also called as Joint Stock Banks.
    • Classified as;
    • Classified as;
    1. Scheduled Banks and Non-Scheduled Banks on Statutory Basis, and
    2.1.Public
    Scheduled
    SectorBanks
    Banksand
    andNon-Scheduled Bankson
    Private Sector Banks onOwnership
    Statutory Basis,
    Basis.and
    2. Public Sector Banks and Private Sector Banks on Ownership Basis.
    Functions of Commercial Banks
    Functions of Commercial Banks
    1) Accepting Deposits

    2) Advancing Loans
    • Cash Credit
    • Call Loans
    • Overdraft
    • Discounting bills of
    Exchange

    3) Credit Creation

    4) Financing Foreign Trade

    5) Agency Services

    6) Miscellaneous Services
    Role of Commercial Banks
    Role of Commercial Banks
    1. Mobilising Savings for Capital
    Formation
    2. Financing Industry
    3. Financing Trade
    4. Financing Agriculture
    5. Financing Consumer Activities
    6. Financing Employment Generating
    Activities
    7. Help in Monetary Policy
    Conclusion
    Conclusion

    Thus the commercial bank is one of the major types of bank and
    performs
    Thus somewhat similarbank
    the commercial functions of of
    is one many
    theother
    majortypes of of
    types banks.
    bankIt and
    has
    contributed much tosimilar
    performs somewhat the growth of a
    functions of developing
    many other economy by granting
    types of banks. It has
    loans to agriculture,
    contributed much totrade
    the and industry,
    growth by helping in
    of a developing physicalby
    economy andgranting
    human
    capital
    loans toformation andtrade
    agriculture, by following the monetary
    and industry, policy
    by helping of the country.
    in physical and human
    capital formation and by following the monetary policy of the country.
    References
    References
    • “Money, Banking, International Trade and Public Finance”-
    M.L. Jhingan
    • en.wikipedia.org
    • businessreview-article.blogspot.com
    Thank You! 
    Thank You! 

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