Banking System

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Slide 1:

Presented by:- VIKAS

INTRODUCTION:

Today’s commercial world is built around money. Bank facilitate financial transactions & hence are an integral part of commercial world. Banking is essentially a business model. The bulk transactions of a Banking business model are the daily combination of savings and recurring account transactions. INTRODUCTION

DEFINITION OF BANKING SYSTEM:

A network of commercial, savings and specialized branches that provide financial services, including deposits and providing loans and investment facilities. Banks are a fundamental component of the financial system, and are also active players in financial markets. The essential role of a bank is to connect those who have capital, with those who seek capital . DEFINITION OF BANKING SYSTEM

Types of banks:

Commercial bank Community banks Community development banks Postal savings banks Private banks Savings bank Types of banks

BANKING STANDARD ACTIVITIES:

Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers' current accounts. BANKING STANDARD ACTIVITIES

Channels:

Banks offer many different channels to access their banking and other services: ATM Mail Mobile banking Online banking Video banking Telephone banking Channels

COMMERCIAL ROLES:

issue of banknotes processing of payments by way of telegraphic transfer, EFTPOS, internet banking or other means issuing bank drafts and bank cheques accepting money on term deposit safekeeping of documents and other items in safe deposit boxes currency exchange acting as a 'financial supermarket' for the sale COMMERCIAL ROLES

Business cycle:

A bank can generate revenue in a variety of different ways including interest, transaction fees and financial advice. The bank profits from the differential between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities. Fees and financial advice constitute a more stable revenue stream and banks have therefore placed more emphasis on these revenue lines to smooth their financial performance. Business cycle

Risks and capital:

Some of the main risks faced by banks include: Credit risk Liquidity risk Market risk Operational risk The capital requirement is a bank regulation , which sets a framework on how banks and depository institutions must handle their capital. Risks and capital

Economic functions:

The economic functions of banks include: Issue of money Netting and settlement of payments Credit intermediation Credit quality improvement Maturity transformation Economic functions

Rules To Start Bank:

The requirements for the issue of a bank license vary between jurisdictions but typically include: Minimum capital Minimum capital ratio 'Fit and Proper' requirements for the bank's controllers, owners, directors, or senior officers Approval of the bank's business plan as being sufficiently prudent and plausible. Rules To Start Bank

Accounting for bank accounts:

Bank statements are accounting records produced by banks under the various accounting standards of the world. there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. Accounting for bank accounts

ADVANTAGES:

The advantages are as follows: More Locations. Discounts. Personal Service Sacrificed. More Product Offerings. Credit Tough to Find. ADVANTAGES

Disadvantages :

Disadvantages The disadvantages are as follows: Loan Approvals Rigid Standards Security

Processing of Banking system:

Processing of Banking system

Abstract :

This project deals with the computerized processing of Banking System. The front end tool used in the development of the project is Visual Basics 6.0. The back end tool is the more efficient MS SQL. The project exhibits the relational database concepts connecting various relations in an intricate fashion. The backend maintains records of the Accounts Details. The system has been developed in such a way that it allows for further enhancements at any time in the future. A bstract

Objectives of the project:

The main objectives of this project are: Opening and Closing Accounts. Processing Transactions. Generating an Updated Report. O bjectives of the project

OBJECTIVES AND GOALS:

The objective & goals of the proposed system are:- To allow only authorized user to access various functions and processed available in the system. Locate any A/C wanted by the user. Reduced clerical work as most of the work done by computer. Provide greater speed & reduced time consumption. To increase the number of A/C and customer. The software will be user friendly so that even a beginner can operate the package and thus maintain the status of A/C and balance status easily. OBJECTIVES AND GOALS

SCOPE OF THE PROJECT:

The first software project management activity is the determination of software scope. Scope is defined by answering the following question. INFORMATION OBJECTIVES FUNCTION AND PERFORMANCE SCOPE OF THE PROJECT

FEATURES PROPOSED IN THE CURRENT SYSTEM:

Any information can be easily searched. All records of A/c`s and customer are stored in separate file Particular A/c information can be modified A particular customer record can be modified for one or more fields like customer name, address by providing A/c number. The proposed system is more efficient, fast, reliable, user friendly. Over and above the proposed system does not have any possibility of data loss during processing. FEATURES PROPOSED IN THE CURRENT SYSTEM

Data flow Diagrams:

Data flow Diagrams

For Loan transaction:

For Loan transaction

Transaction process:

T ransaction process

Transaction flow chart:

T ransaction flow chart

Screen shots:

S creen shots

Login form:

L ogin form

Main menu :

M ain menu

Opening Account:

Opening Account

Deman Draft:

Deman Draft

Savings Bank Account:

Savings Bank Account

Closing Account:

C losing Account

Loan Account:

L oan Account

Loan transaction form:

L oan transaction form

Current account:

C urrent account

FUTURE SCOPE:

Increased operational efficiency, profitability & productivity. Superior customer service. Multi-channel, real-time transaction processing. Better cross-selling ability. Improved management and accountability. Minimal transaction costs. Improved financial analyses capabilities. FUTURE SCOPE

CONCLUSION:

This package provides an easy and efficient method to interact with the users. The package has all the features specified in the original problem definition. Special attention has been provided to the interface, dialogue boxes outcall these make it comfortable to use. The package is designed so as to be flexible and easily modifiable or extendable. CONCLUSION

Slide 40:

The future will be not be more of the same… … we need to be ready.. Thank You