Exploring Types and Functions of Commercial Banking in Pakistan
Discover the various types of banking operations such as branch, group, universal, and virtual banking, followed by an in-depth look at the structure and functions of commercial banking in Pakistan, including the roles of scheduled and unscheduled banks.
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Presentation Transcript
Revise Lecture 5 Q:1 Please tell me 5 types of banking?
Revise Lecture 5 What is Branch banking? What is Group Banking?
Revise Lecture 5 What is Universal banking? What is virtual banking?
Lecture 6 Commercial Banking
Commercial banking Structure of Commercial Banking
Commercial banking The commercial banking structure in Pakistan consists of; 1. Scheduled banks 2. Unscheduled banks
Commercial banking Functions of Commercial banks
Commercial banking The functions of commercial banks are of three types; 1. Primary functions 2. Secondary functions 3. General utility functions
Commercial banking The Primary functions include; 1. Acceptance of deposits Types of deposits a) Fixed deposit account b) Demand deposits ( Saving account, Current account) 2. Granting loans and advances
Commercial banking The Primary functions include; 3. Cash credit account. 4. Overdraft 5. Bill discounting 6. Term loan
Commercial banking The Primary functions include; 3. Cash credit account. 4. Overdraft 5. Bill discounting 6. Term loan
Commercial banking The Primary functions include; 3. Cash credit account. 4. Overdraft 5. Bill discounting 6. Term loan
Commercial banking In addition to the primary functions of accepting deposits and lending money, banks perform a number of other functions, which are called secondary functions.
Commercial banking The Secondary functions include: Agency Services 1. Collections and payments of cheques and bills on behalf of customers 2. Collection of dividends, interest, rent etc on behalf of customers 3. Purchase and sale of shares and securities on behalf of customers
Commercial banking General Utility Services 1. Payment of pension 2. Issuing letter of credit 3. Demand draft
