Banking System.pptx

8/14/2019 Banking System.pptx

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Presented by:-

VIKAS


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Todays commercial world is built around money.

Bank facilitate financial transactions & hence are anintegral 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 accounttransactions.
http://en.wikipedia.org/wiki/File:Banco_de_Venezuela,_Coro.JPG


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A network of commercial, savings and specializedbranches that provide financial services, includingdeposits and providing loans and investment facilities.

Banks are a fundamental component of the financialsystem, and are also active players in financial markets.

The essential role of a bank is to connect those whohave capital, with those who seek capital .


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Commercial bank

Community banks

Community development banks Postal savings banks

Private banks

Savings bank
http://en.wikipedia.org/wiki/File:NatWest_Castle_Street.jpghttp://en.wikipedia.org/wiki/File:Halifax_bank,_Commercial_Street,_Leeds_(27th_May_2010).jpg


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Banks act as payment agents by conducting checkingor current accounts for customers, paying chequesdrawn by customers on the bank, and collectingcheques deposited to customers' current accounts.
http://en.wikipedia.org/wiki/File:WinonaSavingsBankVault.JPG


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Banks offer many different channels to access theirbanking and other services:

ATM

MailMobile banking

Online banking

Video banking

Telephone banking


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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 safedeposit boxes

currency exchange

acting as a 'financial supermarket' for the sale


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A bank can generate revenue in a variety of differentways including interest, transaction fees and financialadvice.

The bank profits from the differential between the

level of interest it pays for deposits and other sourcesof funds, and the level of interest it charges in itslending activities.

Fees and financial advice constitute a more stable

revenue stream and banks have therefore placed moreemphasis on these revenue lines to smooth theirfinancial performance.


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Some of the main risks faced by banks include:

Credit risk

Liquidity risk

Market riskOperational risk

The capital requirementis a bank regulation, whichsets a framework on how banks and depository

institutions must handle their capital.
http://en.wikipedia.org/wiki/Capital_requirementhttp://en.wikipedia.org/wiki/Bank_regulationhttp://en.wikipedia.org/wiki/Bank_regulationhttp://en.wikipedia.org/wiki/Capital_requirement


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The economic functions of banks include:

Issue of money

Netting and settlement of payments

Credit intermediationCredit quality improvement

Maturity transformation


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The requirements for the issue of a bank license varybetween jurisdictions but typically include:

Minimum capital

Minimum capital ratio

'Fit and Proper' requirements for the bank'scontrollers, owners, directors, or senior officers

Approval of the bank's business plan as being

sufficiently prudent and plausible.


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Bank statements are accounting records produced bybanks under the various accounting standards of theworld.

there are two kinds of accounts: debit and credit.

Credit accounts are Revenue, Equity and Liabilities.

Debit Accounts are Assets and Expenses.


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The advantages are as follows:

More Locations.

Discounts.

Personal Service Sacrificed.More Product Offerings.

Credit Tough to Find.


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The disadvantages are as follows:

Loan Approvals

Rigid Standards

Security
http://i.ehow.co.uk/images/a05/no/j1/commercial-bank-disadvantages-1.1-800X800.jpg


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This project deals with the computerized processing ofBanking System.

The front end tool used in the development of the projectis Visual Basics 6.0.

The back end tool is the more efficient MS SQL.

The project exhibits the relational database conceptsconnecting 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 allowsfor further enhancements at any time in the future.


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The main objectives of this project are:

Opening and Closing Accounts.

Processing Transactions.

Generating an Updated Report.


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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 bycomputer.

Provide greater speed & reduced time consumption.

To increase the number of A/C and customer.

The software will be user friendly so that even abeginner can operate the package and thus maintainthe status of A/C and balance status easily.


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The first software project management activity is thedetermination of software scope.

Scope is defined by answering the following question.

INFORMATION OBJECTIVES

FUNCTION AND PERFORMANCE


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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 oneor more fields like customer name, address byproviding 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.


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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.


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This package provides an easy and efficient method tointeract with the users.

The package has all the features specified in theoriginal problem definition.

Special attention has been provided to the interface,dialogue boxes outcall these make it comfortable touse.

The package is designed so as to be flexible and easilymodifiable or extendable.


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The future will be not be more ofthe same

we need to be ready..

Documents

Banking System.pptx