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e-banking

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2 views14 pages

e-banking

Uploaded by

menaka
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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ELECTRONIC BANKING (E-

BANKING, INTERNET BANKING)


 E-banking means the conduct of
banking electronically. It calls for
eliminating of paper based transaction
and radical change in the banking
operations.
 E-Banking will operate through internet,
extranet and intranet. E-Banking is
therefore banking on the information
superhighways on the frontier of the
internet.
ELECTRONIC FUNDS
TRANSFER(EFT)
 EFT refers to the computer-based
systems used to perform financial
transactions electronically. EFT is used
to settle credit card transactions by
transferring funds between the seller
and the bank, which has issued the
credit card to the customer.
ELECTRONIC CLEARING
SERVICE(ECS)
 ECS is an electronic mode of funds
transfer from one bank account to
another bank account using the services
of clearing house. This mode of
remmittance is normally used for bulk
transfers from one account to many
accounts or vice versa using the
services of a ECS centre at a ECS
location.
TELEBANKING
 It is an innovation which carries the
concepts of 24-hour banking to the
customers home or business palace.
 Tele- banking services function based on
the voice processing facility available
with the bank computers. The caller
generally a customer of the bank will be
able to call the bank anytime and
inquire balances or transaction history,
and to transfer funds between accounts.
ELECTRONIC CHEQUES
 It is a digital version of the traditional
cheque. It contains the same
information as a paper cheque. However
an electronic cheque is much less
expensive to process than a traditional
cheque.
CREDIT CARDS
 It is at can be used to plastic card
bearing an account number assigned to
a cardholder with a credit limit that can
be used to purchase goods and service
and to obtain cash disbursement on
credit, for which a cardholder is
subsequently billed by an issuer for
repayment of the credit extended at
once or an installment basis.
DEBIT CARDS
 Debit cards are substitutes for cash or
cheque payments much same as the
credit card.
 However,banks only issue them to
people if they hold an account with
them.
 Debit card is used to make payment, the
total amount charged is instantly
reduced from the bank balance.
SMART CARDS
 It is a plastic card embedded with
computer chip that stores and transacts
data between users. this data is
associated with either value or
information or both and is stored and
processed within the card’s chip, either
a memory or microprocessor. The card
data is transacted via a reader that is
part of computing system
CAMEL MODEL
 C-Capital adequacy
 A-Asset quality
 M-Management
 E-Earnings
 L-Liquidity
ASSET & LIABILITIES
MANAGEMENT IN BANKS
 It can be termed as a risk management
technique designed to earn an
adequate return while maintaining a
comfortable surplus of assets beyond
liabilities.
 It takes in to consideration interest
rates, earning power and degree of
willigness to take on debt and hence is
also known as surplus management.
BASEL NORMS
 Basel I-
 Basel II
 Basel III
CAPITAL ADEQUACY
NORMS
The fundamental objective behind the
norms is to strengthen the soundness
and stability of the banking system.
It is ratio of capital fund to risk weighted
assets. it is a measure of a bank’s
capital.

 CAR=Tier one capital + Tier two Capital


Risk Weighted assets
BANCASSURANCE
 It is distribution of insurance products
through a bank’s branch network.
Hence, there is a room for
bancassurance where banking and
insurance congregate with each other. It
is a service that can fulfill both banking
and insurance needs at the same time.
REINSURANCE
 It is a contract between two or more
insurance companies by which a portion
of risk or loss is transferred to another
insurance company. This happens when
an insurance company has undertaken
more risk burden on it shoulders than its
bearing capacity.

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