Bank as a Financial Institution

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K.E.S SHROFF COLLEGE OF ARTS & COMMERCE
A PROJECT ON
BANK AS
FINANCIAL INSTITUTION
CLASS: FYBFM
SUB: PRINCIPLES OF INVESTMENT
SEM: 1st SEMESTER
Year 2010-11
GUIDED BY: SUDHIR SIR

Prepared by:

SR.NO NAME ROLL NO
01 ADROJA YOGITA 01
02 JAIN JINAL 16 03 RAWAL VAISHALI 36
04 RUPANI KINJAL 37 05 VAJA RIDDHI 48 06 ZINGADE VISHAKHA 51
07 TRIVEDI NEHA 55

SR NO| TOPIC| REMARK| SIGN|
1| Introduction| | |
2| Comparison between Traditional & modern banking| | | 3| Chart| | |
4| Importance of Bank| | |
5| Function of bank| | |
6| Types of loans| | |
7| Types of deposits| | |
8| Facilities provided by bank| | |
9| Case study of ICICI bank| | |
10| Conclusion| | |

INTRODUCTION
The name bank derives from the Italian word banco “desk bench” used during the Renaissance by Jewish Florentine bankers, who used to make their transactions above a desk covered by a green tablecloth. A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities either directly through capital markets. Institution which collects funds and places them in financial assets, such as deposits, loans and bonds rather than tangible property.

1| During traditional banking period people did not know the Benefits about Banking due lack of knowledge and illiteracy.| During modern banking period people know about Benefits of bank due to reducing rate of illiteracy or increasing in literacy rate| 2| During traditional banking period people were not provide proper service due to lack of technology.| During modern banking period people are provided better services due to improved technology.| 3| During traditional banking period people did not have banking habit.| During modern banking period people every one has banking habit.| 4| During traditional banking period there were no modern facilities provided to people such as credit cards ATM tele banking, online banking, etc.| During modern banking period there are all modern facilities provided to people.| 5| During traditional banking period there were no better facilities like loan and several types of deposits account were also not provided.| During modern banking periods there are better facilities in terms of loan as well as deposits.| 6| At the time of traditional banking people did not use to keep their money in bank due to lack of knowledge and no flexibility in terms of services.| At the time of modern banking people keep their money in bank to earn good returns, good knowledge and flexible services provided by bank.|

| TRADITIONAL BANKING| MODERN BANKING|

IMPORTANCE
1) Financial institution are playing vital role in financial system. 2) These are gaining much more importance in the growing economy as these institutions are providing long term capital requirements of the industry. 3) Major financial institutions are providing long term at the national level are as follows: a) Industrial Development Bank of India. [IDBI]

b) Industrial Finance Corporation of India. [IFCI]
c) Industrial Credit & Investment Corporation of India. [ICICI] 4) Major source of funds for financial institutions are:- a) Share capital
b) Borrowings from government of India.
c) Lines of credit from institutions like the World Bank.

FUNCTION’S
FUNCTIONS OF BANK:-

SECONDARY FUNCTION
PRIMARY FUNCTION

A. PRIMARY...
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