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6 Deposit Management

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Banking Management
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  DEPOSIT MANAGEMENTDEPOSIT MANAGEMEN   Presenter  Dr.S.C.BihariDr.S.C.Bihari I B S, H YDERABADI B S, HYDERABAD  IMPORTANCE OF DEPOSITS 1.1.Deposits are the foundation upon which Deposits are the foundation upon which banks thrive and grow. banks thrive and grow. 2.2.The ability of a bank to attract deposit is The ability of a bank to attract deposit is important to gauge a bankimportant to gauge a bank’’s acceptance by the s acceptance by the public.public.3.Deposits are the basis for bank loans and thus Deposits are the basis for bank loans and thus represent the ultimate source of bank profits represent the ultimate source of bank profits and growth .and growth .  Types of depositsTypes of deposits  Differentiation in deposit types may Differentiation in deposit types may arise fromarise from  the type of customer who holds the type of customer who holds the deposit, the deposit,  tenure of the deposit, tenure of the deposit,  its nature and the interest factor. its nature and the interest factor.  Based on these parameters, Based on these parameters, deposits are broadly classified into deposits are broadly classified into transaction and nontransaction and non--transaction transaction deposits.deposits.  TRANSACTION DEPOSITTRANSACTION DEPOSIT A deposit which facilitates the A deposit which facilitates the account holder to transactaccount holder to transactthrough a negotiable or through a negotiable or transferable instrument,cheque, a transferable instrument,cheque, a written order of withdrawal,to written order of withdrawal,to transfer funds, or other similar transfer funds, or other similar means of making payments and means of making payments and transferring monies to third transferring monies to third parties parties is known as a transaction account.is known as a transaction account.

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