BANKING FUNCTIONS OF SBI CHANDNI CHOWK BRANCH

Presented by: Saurabh kumar Ajay krishna pampana Ashish gupta Priyam Verma

Products and Services

National Pension plan – Effective from May 1,2009

Demat – Linked with NSDL and CDSL

Insurance - SBI life and general insurance

Gold Banking

Locker

Loans-education, car and home

Separate counter for privileged(corporate) customer

*agriculture loans are not available, but if a customer ask for it, they can’t refuse.

Deposits

TYPES OF DEPOSIT ACCOUNTS:-

(a) Savings Bank Account

(b) Current Account

(c) Recurring Deposit Account

Non-performing assets

NPA is a classification used by financial institutions that refers to loans that are in jeopardy of default.

Once the borrower has failed to make interest or principal payment for 90 days the loan is considered to be non-performing asset.

Results of NPA on a bank:

I. They decrease profitability.

II. They reduce capital assets and lending capacity.

III. They increase loan loss reserves.

IV. Bring unwanted attention from government regulators.

Technology

Cash depositing machine (CDM).

Automatic teller machine (ATM)-gallery of ATM’S .

Pos (point of sales).

Coin vending machine.

THANK YOU