🔍 Ever wondered how banks manage your deposits and provide loans? Or why some loans have higher risks than others? If you’re preparing for CCP Certification or just curious about how banking works, you’re in the right place! ✅
- ✔️ The fundamental role of banks in the economy 📊
- ✔️ Different types of bank deposits – Savings, Fixed, Recurring, and more! 💰
- ✔️ How banks lend money and why it’s risky 🏦
- ✔️ Risk management techniques banks use to protect themselves 🛡️
- ✔️ Key principles of sound lending that ensure profitability & liquidity 🔑
This session is perfect for bankers, CCP aspirants, and finance professionals who want to strengthen their understanding of banking fundamentals. Make sure you watch till the end and drop your thoughts in the comments below! 👇
🎥 Before we dive in, watch this video for a complete breakdown:
📌 Understanding the Role of Banks
Banks act as financial intermediaries, accepting deposits from the public and providing loans to individuals & businesses. This helps in economic growth by ensuring that idle money is put to productive use.
💡 Example:
A small businessman deposits ₹5 lakh in a bank. The bank then provides a loan of ₹4 lakh to a startup in Bengaluru, helping it grow. This cycle boosts economic activity! 🚀
📘 Types of Bank Deposits
Demand Deposits
These include Savings and Current Accounts, which allow customers to withdraw funds at any time.
Term Deposits
Fixed Deposits and Recurring Deposits fall under this category, where funds are locked for a certain period.
💳 Types of Loans
- Home Loan: Financing to buy or build a house.
- Vehicle Loan: Loan to purchase a car or bike.
- Business Loan: Funds to expand or start a business.
- Education Loan: Assistance for higher education costs.
- Personal Loan: Multi-purpose loan for personal expenses.
📥 Download Free PDF Notes
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🔔 Conclusion: What You’ve Learned!
- ✅ Banks act as intermediaries – Accepting deposits & providing loans.
- ✅ Types of deposits – Savings, Current, FD, RD, and Flexi deposits.
- ✅ Loans & Lending Risks – Home, Business, Personal Loans & Risk Management.
- ✅ RBI Guidelines – Restricted Sectors & Priority Sector Lending.
If this video helped you, LIKE & COMMENT below with your questions! 👇
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