Presented by:VIKAS

Todays commercial world is built around money.

Bank facilitate financial transactions & hence are an

integral part of commercial world. Banking is essentially a business model. The bulk transactions of a Banking business model are the daily combination of savings and recurring account transactions.

 A network of commercial, savings and specialized

branches that provide financial services, including deposits and providing loans and investment facilities. Banks are a fundamental component of the financial system, and are also active players in financial markets. The essential role of a bank is to connect those who have capital, with those who seek capital .

 Commercial bank
Community banks Community development banks

Postal savings banks

 Banks act as payment agents by conducting checking

or current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers' current accounts.

 Banks offer many different channels to access their

banking and other services: ATM Mail Mobile banking Online banking Video banking Telephone banking

 issue of banknotes

processing of payments by way of telegraphic transfer,

EFTPOS, internet banking or other means issuing bank drafts and bank cheques accepting money on term deposit safekeeping of documents and other items in safe deposit boxes currency exchange acting as a 'financial supermarket' for the sale

 A bank can generate revenue in a variety of different

ways including interest, transaction fees and financial advice. The bank profits from the differential between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities. Fees and financial advice constitute a more stable revenue stream and banks have therefore placed more emphasis on these revenue lines to smooth their financial performance.

 Some of the main risks faced by banks include:

Credit risk
Liquidity risk Market risk

Operational risk
The capital requirement is a bank regulation, which

sets a framework on how banks and depository institutions must handle their capital.

 The economic functions of banks include:

Issue of money
Netting and settlement of payments Credit intermediation

Credit quality improvement

 The requirements for the issue of a bank license vary

between jurisdictions but typically include: Minimum capital Minimum capital ratio 'Fit and Proper' requirements for the bank's controllers, owners, directors, or senior officers Approval of the bank's business plan as being sufficiently prudent and plausible.

 Bank statements are accounting records produced by

banks under the various accounting standards of the world. there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses.

 The advantages are as follows:

More Locations.
Discounts. Personal Service Sacrificed.

More Product Offerings.

 The disadvantages are as follows:

Loan Approvals
Rigid Standards Security

 This project deals with the computerized processing of

Banking System. The front end tool used in the development of the project is Visual Basics 6.0. The back end tool is the more efficient MS SQL. The project exhibits the relational database concepts connecting various relations in an intricate fashion. The backend maintains records of the Accounts Details. The system has been developed in such a way that it allows for further enhancements at any time in the future.

 The main objectives of this project are:

Opening and Closing Accounts.

 The objective & goals of the proposed system are:-

To allow only authorized user to access various

functions and processed available in the system. Locate any A/C wanted by the user. Reduced clerical work as most of the work done by computer. Provide greater speed & reduced time consumption. To increase the number of A/C and customer. The software will be user friendly so that even a beginner can operate the package and thus maintain the status of A/C and balance status easily.

 The first software project management activity is the

determination of software scope. Scope is defined by answering the following question.

 Any information can be easily searched.

All records of A/c`s and customer are stored in

separate file Particular A/c information can be modified A particular customer record can be modified for one or more fields like customer name, address by providing A/c number. The proposed system is more efficient, fast, reliable, user friendly. Over and above the proposed system does not have any possibility of data loss during processing.

Increased operational efficiency, profitability & productivity. Superior customer service. Multi-channel, real-time transaction processing. Better cross-selling ability. Improved management and accountability. Minimal transaction costs. Improved financial analyses capabilities.

 This package provides an easy and efficient method to

interact with the users. The package has all the features specified in the original problem definition. Special attention has been provided to the interface, dialogue boxes outcall these make it comfortable to use. The package is designed so as to be flexible and easily modifiable or extendable.

The future will be not be more of the same

we need to be ready..