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Roll No: Names

49 Dhara Shah
50 Gaurav Shah
51 Bhagyashree
Shinde
52 Rajvi Shah
53 Aditi Soni
54 Hetal Soni
 Planning
 Organizing
 Staffing
 Leading / directing
 Controlling
 Definition of Bank
 The Reserve Bank of India Act, 1934 and
the Banking Regulation Act, 1949, govern
the banking operations in India.
 Evolution of banking
 The RBI is the supreme monetary and
banking authority in the country
Public & Private Banks
Co-operative & Development
 Comparison between Private & public
1. The receipt of the customer’s deposits
2. The collection of his cheques drawn on other banks
3. The payment of the customer’s cheques drawn on
himself
4. There are other various types of banking services like:
 Advances – Overdraft, Cash Credit, etc.
 Deposits – Saving Account, Current Account, etc.
 Financial Services – Bill discounting etc.
 Foreign Services – Providing foreign currency,
travelers cheques, etc.
 Money Transmission – Funds transfer etc.
 Savings – Fixed deposits, etc.
 Services of place or time – ATM Services.
 Status – Debit Cards, Credit Cards, etc.
 Why is Customer Service Important?
 Ten key areas of customer service:
1. Submission of statement of A/Cs to customers
2. Updating of savings pass books.
3. Teller system efficiency.
4. Cleanliness and Upkeep of premises.
5. Intermediate Credit for institution cheques/land bills.
6. Advance intimation to customers for rewards of Term
Deposits Receipts on maturity.
7. Advance for Debit/credit to accounts.
8. Punctuality of staff.
9. Handling of complaint register.
10. Maintain a complaint register.
Services HDFC IOB SBI BOB AXIS
offered: Bank
Passbook Don’t issue Immediate Almost 70% 100% Issued &
updating immediate immediate Updated
updating is updating after every
done transaction
Cash If deposits Different Only 1 4 counters Different
are more, counters counter for for which counters
handling:
services for both both the accept both for both
•Payments are given (token function (Token
•Receipts at door system) (over system)
steps crowded)
Loan Speedy Time Time Time Moderate
process consuming consuming consuming time taken
Banker’s 5 – 10 mins 20 – 30 20 – 30 20 – 30 5 – 10 mins
mins mins mins
cheques
Demand Payable at 30 mins Payable at 30 mins 10 -15
par par mins
draft
Income Accepted Accepted Not Accepted Accepted
only from from all i.e. applicable only from only from
Tax
their even non in this their their
customers bank branch (if customers customers
(VAT & customers customers
Sales tax not are also wants they
allowed by allowed sent to
the Govt.) other
branch)
E-banking Tax Not started Not started Tax All banking
payment yet yet payment transaction
s
SMS yes yes yes yes yes
banking
Cheques Drop Box Manually Drop box Drop Manually
system 4m box as well as
depositing
2 yrs system Drop Box
4m 1 yr
Issuing Through Hand Through Through Through
post (in 3 delivery (in post (in 3 post (in 3 post (in 3
cheque
days) 1 day) days) days) days)
books

 Conclusion

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