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PPB - Module A Unit 3 Retail Banking, Wholesale Banking.

This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

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162 views

PPB - Module A Unit 3 Retail Banking, Wholesale Banking.

This document discusses various types of banking services including retail banking, wholesale banking, and international banking. It provides details on retail banking products like savings accounts, loans, and insurance. Wholesale banking involves providing financial services to large corporations and includes lending, trade financing, and cash management. The document also outlines international banking services for cross-border transactions as well as specific products like letters of credit, bank guarantees, and foreign currency accounts.

Uploaded by

kamalray75_188704880
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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PPB – Module A

Unit 3
Retail Banking, Wholesale Banking..
1. Retail Banking
• Commercial Bank deal with Retail Banking Customers
like individual, sole proprietor, partnership, firms,
clubs, trusts, associations, school, private limited
company, small and medium scale business entity only
• Different types of Retail Banking Deposit Products are
Saving Bank Account, Recurring Deposit, Current
Account, Term Deposit, Zero Balance Account for
Salaried Person, BSBDA [Basic Saving Bank Deposit
Account], Senior Citizen Account
• Different types of Retail Banking Loan Products are car
loan, home loan, education loan, crop loan, credit card,
SME Loans
• Other Retail Banking Products/Services are Safe
Deposit Lockers, Depository Services, Banc assurance
Products
2. Wholesale Banking
• Refers to doing Business Business with industrial
and business entities-mostly corporates and
trading houses including MNC, Multinationals,
Domestic Business houses and public sector
companies
• Fund Based products/services are Term Lending,
Short Term Finance, Working Caoital Finance, Bill
Discounting, Structured Financre, Export Credit
• Non-Fund Based Products/Services: BG, LC,
Collection Of Bills
• Value Added Services: Cash Management
Services, Channel Financing, Vendor Financing,
RTGS, Corporate Salary Accounts, Syndication
Services, Forex Desk, Money Market Desk,
Derivative Desk, Employment Trusts, Tax
Collection, Bankers to Right/Public Issue, ECS
(Electronic Clearing Service)
• Internet Banking Services: Payment Gateway
Service, Corporate Internet Banking, Supply Chain
Management, Supply Chain Partners
3. International Banking
• Banking Services catering to cross border
transactions
4. EPC [Export Packaging Credit]
• Banks provide Pre-Shipment Finance, available
in both Rupees as well as Foreign curriences
to assist exporters
5. Banks Negotiate Export Bill Under LC [Letter
Of Credit]
6. BG [Bank Guarantee]
• Bank issues Guarantees for both Exporter &
Importer under FEMA, subject to credit limit
availability or against 100% cash margin
7. Suppliers Credit
• Enables Indian Exporters to extend term credit
to importers (Overseas) of eligible goods at
post shipment stage.
8. EEFC A/c
• Banks provide facility to maintain an Exchange
Earners Foreign Currency in all permitted
currency.
9. Universal Banking
• Offers all types of Financial Products like
Mutual Fund, Capital Market related products
including share broking, commodity broking,
etc, sale of gold/bullion, government bonds,
corporate bonds, providing advisory services
and merchant banking activities, all one at
place
10. Depository Receipt(DR)
• Is a type of Negotiable (Transferrable)Financial
Instrument that is traded on a local stock
exchange of a country but represents a
security, usually in the form of equity that is
issued by a foreign publically listed company.
• Is a physical certificate, allows investor to hold
shares in equity of other countries
• Examples: ADR, GDR
11. ADR
• American Depository Receipt
• Traded in US Stock Exchange such as NASDAQ,
NYSE [New York Stock Exchange]
• Traded in US$
12. GDR
• Global Depository Receipt
• Listed in European Stock Exchange such as
London Stock Exchange
• Traded in US$, Euro
13. Participatory Notes [P Notes]
• On Recommendation Of Lahiri Committee in
2004
• Controlled by SEBI
• Participatory Notes are like Contract Notes
• Are issued to Foreign Institutional Investors
(FII) to entities that want to invest in the
Indian Stock market but doesnot want to
register themselves with SEBI.
• Only Foreigners or Non Resident are allowed
• FII are not allowed to issue P-Note to Indian
National or Corporate bodies
• FII are required to report to the SE/bi on a
monthly basis if they issue, renew, cancel or
redeem Participatory Notes.
• SEBI needs Quaterly Reports about investment
in P-Notes.
Thank You

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