Deposit Management

MANAGEMENT OF DEPOSITS IN COMMERCIAL BANKS Before going in to details of gravel management One must under carrell the format of balance pall THIRD SCHEDULE TO BANKING REGULATIONS ACT 1949 public figure A FORM OF BALANCE SHEET SCHEDULEAS ON 31/3/---- (Current year)AS ON 31/3/---- (Previous Year) seat of government & LIABILITIES Capital Reserves & Surplus Deposits Borrowings Other Liabilites & Provisions 1 2 3 4 5 make out ASSETS Cash & Balances with RBI Balances with banks and cash 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 notes for a bank. Deposits are received from a large fleck 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 swears (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. hybridizing deposits or Flexi-Deposits 1.4. Operations in deposit accounts 1.5. Closing a deposit accounts 1.6. Let us sum up 1.1OBJECTIVES: adoption of money deposit (or deposit-taking) is a major function and a distinct feature of commercial banking. This discussion will alter one: ?to appreciate the importance of... If you want to get a full essay, order it on our website: Orderessay

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