1. Commercial Bank

2. Contents 1. Introduction. 2. Commercial Bank
3.functions of commercial bank
4. Conclusion

3. Division of bank On The Basis Of Domicile:
(1) Domestic Bank (2) Foreign Banks
On The Basis of Second Schedule of RBI Act:
Scheduled Bank (2) Non-Scheduled Bank
On The Basis of Ownership:
Public Sector Banks
(2) Private Sector Banks
(3) Co-operative Banks
(4) Regional Rural Banks

4. Commercial Banks Industrial Banks Agricultural Banks Exchange Banks Saving Banks Indigenous Banks Central Bank

5. What exactly is a Commercial Bank?

6. Commercial Banks Promoting Capital Formation
Facilitator of Monetary Policy
Monetisation
Influence Economic Activity
Directing Funds into Desired Channels
Implementation of the Policies of Govt.
Encouraging Innovations

7. Functions of Commercial Banks
Basic Function:
(i) Mobilization of Deposits.
Saving Deposit Account
Fixed Deposit Account
Recurring Deposit Account
Current Deposit Account
Flexible Deposit Account
(ii) Credit Deployment:
Money at Call
Cash Credit
Overdraft
Discounting Bills of Exchange
Term Loan
(iii) Credit Creation

8. Collection & Payment of Credit Instruments
Agency Functions
Remittance of Funds
Collection & Payment of Credit Instruments
Execution of standing orders
Sale and Purchase of securities
Trustees and Executors of Wills
Collection of Dividend on Shares and Interest on Debentures

9. General Utility Functions
Locker Facility
Traveller’s Cheque Facility
Merchant Banking Service
Acting as Underwriters
Acting an Information Provider
Acting as a Referee
Development Functions
Capital Formation
Rural Development
Priority Sector Advances
Creating Employment
Assistance of Money & Capital Market