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Types of Banks
Central bank
Development Bank
Investment Bank
Cooperative Credit Bank
Regional Rural Bank
Non Banking Financial Companies
Central Bank
The money market that acts as the central
monetary authority of the country ,
serving as the government bank as well
as the bankers bank is known as a
central bank of the country.
Functions- The main functions of central
bank of a country are functions of note
issue, bankers to government, bankers
bank etc.
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Functions
Development Banks
Investment Banks
Meaning:- Financial intermediaries that
acquire the savings of people and direct
these funds into the business enterprises
seeking capital for the acquisition of plant
and equipment and for holding inventories
are called investment banks.
Features:-Long term financing, Security,
merchandiser, Security middlemen, Insurer,
Underwriter
Functions:- Capital formation, Underwriting,
Purchase of securities, Selling of securities,
Advisory services, Acting as dealer.
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Merchant Banks
Meaning:- Institution that render wide range of
services such as the management of
customers
securities,
portfolio
management, counseling, insurance, etc are
called Merchant Banks.
Functions:Sponsoring
issues,
Loan
syndication, Servicing of issues, Portfolio,
management, Arranging fixed deposits,
Helps in merger& acquisition
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Commercial Banks
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Functions of commercial
banks
Saving mobilization
Special loans
Bills discount
Credit creation
Agencies function
General utility function
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Indigenous banks
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