banking channels...in india

8/3/2019 banking channels...in india

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BANKIN HANNEL IN INDIA


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BANKIN HANNEL IN INDIA

Flow Of The Presentation..

Banking channel

Types of banking channel

Branch banking

ATM

Internet Banking

Mobile Banking

Glossary


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Branch Banking

ATMs Net Banking

Mobile BankingPhone Banking

CHANNELS


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Branch Banking

ATMsNet Banking

Mobile BankingPhone Banking

CHANNELS


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Branch banking is a retail location where a bank offers awide array of face-to-face and automatedservices to its customers.

0

5000

10000

15000

20000

25000

30000

35000

Rural Branches Semi urban Urban & Metropoliton

32468

14709

19002

31127

17858

27533

31684

18892

29159

2002

2008

2009

Number of bank

branchesincrease/decrease


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The percentage of banking branch inIndia are given below..(As on 2007-2008)

27.9 % in Southern region

20.0% in Central region

17.1% in Northern region

16.9% in Eastern region

15.5% in Western region

Only 2.7 % in North-Eastern region partin India.

Graphical interpretation

TOTAL NUMBER OF BRANCHES

Year 2002Year 2008Year 2009

661797651879735


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The entire Branch banking functions could be dividedin to two parts.

1) Front office

2) Back office

Marketing, sales, and servicedepartments that come indirect contact with thecustomers..

The internal operations of anorganization that are notaccessible or visible to thegeneral public

Front office??? Back office???1) 2)


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Front office..

Front office or customer facingfunctions are comprises

I. TellerII. Customer service

III. sales


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Back office

As Branch back officeoperation are usuallycentralized within a regionback office jobs are veryminimal for branch office

Back office jobs are mainlycomprises

I. Check book processing

II. Standing ordersIII. PaymentsIV. Deposit opening &

maintenanceV. Loan processing


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ATMS The facilities provided by ATMs are Balance Enquiry

Statement of Accounts Cash Withdrawal

Cash deposit

Check deposit

Check cashing

Funds transfer Bill Payment

Currency Exchange

Loan Application

Investment Advice

Mutual Fund & Insurance sales

Electronic Purse loading

Ticketing


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Do you know how does ATM work?

There are many companies available in Indiawhich programmed ATM machine with a unique

terminal ID number, assigned to a particular ATM.ATM transaction processing can be done viastandard telephone line or via internet. Once themethod of connection is determined, ATM wouldsetup and programmed to use. After that Cash isloaded into the ATM. Now customer would insert

his ATM card, and enter his PIN which leads toauthorization process begins. The ATMs TIDalong with other identifying information let thecardholders bank to know that the transaction istaking place on that particular ATM. Now the ATMcan connect to the ATM networks through the

companies processing centre and then to thecardholders bank. If there are sufficient funds inthe ATM cardholders account for the withdrawalrequest, the transaction will be completed.


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Let us take a break for a while & play a quiz..

Instruction1) Try to answer yourself2) Read the questions

carefully

3) Note down the correctanswer in yourcopy/notebook

Best of luck.


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Q1) which one is the most popular channel of Bank?


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Q2) which one is the mostexpensive channel in India ?


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SS

Q3) what is the key difference between product & service in banking?


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Q4) What is the full form of ATM?


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Q5) which bank has the maximum number of ATMs in India?


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ANSWER????....

I will let you know all the answers elaborately, at the end ofmy presentation

Now next

nternet an ng


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nternet an ng

Information about the banks

offerings & application forms

Account information Statements,Alerts

change or edit account information

Stop payments of cheque.Requests for new cheque book.

Payment transactions to otheraccounts within and external to thebank

Bill Payments ,TDSInternet banking means any user witha personal computer and a browsercan get connected to his bankswebsite to perform any of the virtualbanking functions

Virtual facilities provided byinternet banking are


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Mobile Banking Customer can communicate with banks via

his mobile phone..

Banks provide two types of facility viamobile banking channels

I. Transaction based

II. Enquiry based

Again..

Bank try to communicate withcustomer push based.

Customer try to communicatewith bank pull based.

BANKS CUSTOMES


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BANKS CUSTOMES

BANKSCUSTOMERS

Now check your answers


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Now check your answers.

Q1) Which one is the most popular channel of Bank?Ans: Branch Banking

Q2) Which one is the most expensive channel in India ?Ans: Branch Banking . Because It involves large investment ininfrastructure and employees.

Q3) What is the key difference between product & service in banking?Ans: When a standardized set of service attached with standardfees/rates is called product.

Q4) What is the full form of ATM?Ans:Automated Teller Machine.

Q5) Which bank has the maximum number of ATM in India?

Ans: state Bank group . 11250 as on December31,2008 ( currently morethan 21000).Next is ICICI with 4600( currently more than 6800) ATMs.

G ossary


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G ossaryTeller:

Person who accurately and efficiently process and record routinetransactions for bank customers including cashing checks, acceptingdeposits and withdrawals, processing loan payments and moneytransfers. Promote and advise on the bank's products and services.

Standing orders:Type of preauthorized-payment under which anaccountholder instructs a bank to pay a specified amount, directlyfrom his or her account balance, to a named party on a regular basis.Standing orders are used typically for recurring, different fixed-amount expenses.

TDS:

Tax Deducted at Source is one of the modesof collecting Income-tax from the assesses in India

PIN:Personal identification number (PIN) is a combination of charactersused by the user to protect the access to the A TM card or the

identification card.


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banking channels...in india