Session - 5 - FIN 441 Bank Management & Electronic...

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Bank Management & Electronic Banking FIN 441
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2 Session 5 Managing and Pricing Deposit Services
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3 Session 5 : Managing and Pricing Deposit Services Objectives of Bank Deposits a. Collection of Bank Funds b. Ensure productive investment of the scattered savings of the clients c. Extending the scope of the loan d. Fulfilling the excess need for money e. Maintaining social responsibility
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4 Session 5 : Managing and Pricing Deposit Services Factors determining the level of deposits a. Internal Factors: 1. Competitive interest rates 2. Quality of bank personnel 3. Diversified services 4. Inclusion of socially respectable person in the board of directors
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5 Session 5 : Managing and Pricing Deposit Services Factors determining the level of deposits b. External Factors: 1. State of the national economy 2. Characteristics of local economy 3. Relative changes in population
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6 Session 5 : Managing and Pricing Deposit Services Types of Bank Deposits 1. Current Account 2. Savings Account 3. Fixed Deposit Account Special Types of Deposit Schemes 1. Consumer credit linked deposit scheme 2. Investment deposit scheme for entrepreneurs 3. Farmers’ investment deposit scheme 4. Deposits linked to old age provision
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7 Session 5 : Managing and Pricing Deposit Services Types of Bank Deposits Special Types of Deposit Schemes 5. Deposit with insurance benefit 6. Education savings scheme
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8 Session 5 : Managing and Pricing Deposit Services Deposit Mix a. Ownership mix of deposits b. Deposit mix on the basis of account types c. Size mix of deposits
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9 Session 5 : Managing and Pricing Deposit Services Deposit Processing
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10 Session 5 : Managing and Pricing Deposit Services Pricing Deposit Related Services
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This note was uploaded on 04/22/2011 for the course BBA FIN 441 taught by Professor Dewanmostafiz during the Fall '10 term at BRAC University.

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Session - 5 - FIN 441 Bank Management & Electronic...

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