Deposit Management
MANAGEMENT OF DEPOSITS
IN COMMERCIAL BANKS
Before going in to details of Deposit management
One must under stand the format of balance sheet
THIRD SCHEDULE TO BANKING REGULATIONS ACT 1949
FORM A
FORM OF BALANCE SHEET
SCHEDULE AS ON 31/3/----
(Current year) AS ON 31/3/----
(Previous Year)
CAPITAL & LIABILITIES
Capital
Reserves & Surplus
Deposits
Borrowings
Other Liabilites & Provisions 1
2
3
4
5
Total
ASSETS
Cash & Balances with RBI
Balances with banks and money at call and short notice
Investments
Advances
Fixed Assets
Other Assets
6
7
8
9
10
11
Total
Contingent Liabilities,Bills for collections
Introduction
Deposits represent the most important source of funds for a bank.
Deposits are received from a large number of constituents, generally in small amounts.
Balance Sheet Disclosure
Deposits are required to be classified in the balance sheet under the following heads.
A. I. Demand Deposits
(i) From Banks (ii) From Others
II Savings Bank Deposits
III. Term Deposits
(i) From Banks
(ii) From Others
B. I. Deposits of branches in India
II. Deposits of branches outside India
STRUCTURE OF DISCUSSIONS
1.Objectives
1.2 Importance of Deposits
1.2.1. For a bank
1.2.2. For depositors
1.2.3. For the economy
1.3. Types of Deposits
1.3.1.Demand Deposits
Current Accounts
Savings Bank Accounts
Deposit at Call accounts
1.3.2. Term Deposits
Fixed Deposits
Recurring Deposits
1.3.3. Hybrid deposits or Flexi-Deposits
1.4. Operations in deposit accounts
1.5. Closing a deposit accounts
1.6. Let us sum up
1.1 OBJECTIVES:
Acceptance of money deposit (or deposit-taking) is a major function and a distinct feature of commercial banking.
This discussion will enable one:
to appreciate the importance of
IN COMMERCIAL BANKS
Before going in to details of Deposit management
One must under stand the format of balance sheet
THIRD SCHEDULE TO BANKING REGULATIONS ACT 1949
FORM A
FORM OF BALANCE SHEET
SCHEDULE AS ON 31/3/----
(Current year) AS ON 31/3/----
(Previous Year)
CAPITAL & LIABILITIES
Capital
Reserves & Surplus
Deposits
Borrowings
Other Liabilites & Provisions 1
2
3
4
5
Total
ASSETS
Cash & Balances with RBI
Balances with banks and money at call and short notice
Investments
Advances
Fixed Assets
Other Assets
6
7
8
9
10
11
Total
Contingent Liabilities,Bills for collections
Introduction
Deposits represent the most important source of funds for a bank.
Deposits are received from a large number of constituents, generally in small amounts.
Balance Sheet Disclosure
Deposits are required to be classified in the balance sheet under the following heads.
A. I. Demand Deposits
(i) From Banks (ii) From Others
II Savings Bank Deposits
III. Term Deposits
(i) From Banks
(ii) From Others
B. I. Deposits of branches in India
II. Deposits of branches outside India
STRUCTURE OF DISCUSSIONS
1.Objectives
1.2 Importance of Deposits
1.2.1. For a bank
1.2.2. For depositors
1.2.3. For the economy
1.3. Types of Deposits
1.3.1.Demand Deposits
Current Accounts
Savings Bank Accounts
Deposit at Call accounts
1.3.2. Term Deposits
Fixed Deposits
Recurring Deposits
1.3.3. Hybrid deposits or Flexi-Deposits
1.4. Operations in deposit accounts
1.5. Closing a deposit accounts
1.6. Let us sum up
1.1 OBJECTIVES:
Acceptance of money deposit (or deposit-taking) is a major function and a distinct feature of commercial banking.
This discussion will enable one:
to appreciate the importance of