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MANAGEMENT OF DEPOSITS OF COMMERCIAL BANKS

MANAGEMENT OF DEPOSITS OF COMMERCIAL BANKS. AN OVERVIEW. FACTORS DETERMINING BANK DEPOSITS. A) EXTERNAL FACTORS 1. State of world economy 2. state of national economy 3. character of local economy 4. saving habits 5. role of government 6. changes in population. B) INTERNAL FACTORS

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MANAGEMENT OF DEPOSITS OF COMMERCIAL BANKS

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  1. MANAGEMENT OF DEPOSITS OF COMMERCIAL BANKS AN OVERVIEW

  2. FACTORS DETERMINING BANK DEPOSITS • A) EXTERNAL FACTORS • 1. State of world economy • 2. state of national economy • 3. character of local economy • 4. saving habits • 5. role of government • 6. changes in population

  3. B) INTERNAL FACTORS • 1. physical facilities • 2. staff • 3. services offered or rendered • 4. policies and position of the bank • 5. interest rates

  4. DEPOSIT MOBILISATION • The capital formation depends on the savings and savings-income ratio of a population. The importanc of commercial banks lies in mobilising these savings for use in productive purposes. Savings tied up in non-productive assets will play no role in the economic development of the country.

  5. STRATEGY FOR DEPOSIT MOBILISATION • Identificatio of potential for savings • Ascertainment of saving motives • Formulating deposit mobilisation schemes Some imp. Schemes are:- Cash certificates Daily savings scheme Minor’s saving scheme Monthly interest income scheme Annuity or retirement schemes

  6. Farmers deposit schemes Insurance linked schemes Housing deposit schemes Investment deposit scheme Consumption deposit scheme Liability linked deposits Deposit linked with services • Deciding the marketing strategy

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