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    Banking Products and Sevices Final

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    jevesh9
    This document discusses banking products and services. It outlines the purpose of banking products as providing safe savings accumulation and money management assistance. It then describes common banking products like loans, accounts, cards, and insurance. It provides details on specific loan, deposit, and mobile banking products. It also notes future opportunities for banking products in providing convenience while addressing risks like money laundering.

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    © All Rights Reserved
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    Banking Products and Sevices Final

    Uploaded by

    jevesh9
    80 views17 pages
    This document discusses banking products and services. It outlines the purpose of banking products as providing safe savings accumulation and money management assistance. It then describes common banking products like loans, accounts, cards, and insurance. It provides details on specific loan, deposit, and mobile banking products. It also notes future opportunities for banking products in providing convenience while addressing risks like money laundering.

    Original Description:

    Banking products and services in Indonesia

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    This document discusses banking products and services. It outlines the purpose of banking products as providing safe savings accumulation and money management assistance. It then describes common banking products like loans, accounts, cards, and insurance. It provides details on specific loan, deposit, and mobile banking products. It also notes future opportunities for banking products in providing convenience while addressing risks like money laundering.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    80 views17 pages

    Banking Products and Sevices Final

    Uploaded by

    jevesh9
    This document discusses banking products and services. It outlines the purpose of banking products as providing safe savings accumulation and money management assistance. It then describes common banking products like loans, accounts, cards, and insurance. It provides details on specific loan, deposit, and mobile banking products. It also notes future opportunities for banking products in providing convenience while addressing risks like money laundering.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 17

    Banking Products &

    Services
    Barron.K.K, Kenny Prawira, Hitesh Purshotamdas, Jevesh Vatvani,
    Cynthia Sim

    S
    Purpose of Banking Products &
    Services

    Where Banks and Credit union can provide a safe


    and convenient way to accumulate savings.
    Some banks also offer services that can help you
    manage your money. Deposits at banks and most
    credit unions are federally insured up to a limit set
    by agreement on congress.
    Type of Banking products and
    Services

    Business loans.
    Checking accounts.
    Savings accounts.
    Insurance
    Debit and credit cards.
    Travelers Cheque
    Merchant services (credit card processing, reconciliation and reporting, check
    collection)
    Cash management (payroll services, deposit services, etc.)
    Banking Services (fee-based
    banking)

    Sources of earnings generated by banks from other


    sources wherein they do not have to lend money/collect
    interest.

    Debit & Credit Cards: There are a variety of fees charged


    by these cards. (Joining & Annual Fees, interest on
    overdue balance, over limit fees, service taxes etc.

    Commissions: Insurance Companies and Mutual Fund


    companies collaborate with banks to provide a convenient
    and efficient services to customers. Banks charge
    commissions to market these services to their customers.

    Capital Market Advisory: Banks assist corporations in their


    Loan Products

    A bank loan is the main form of economical credit. It is for


    corporate activities for medium and big companies and
    for retail activities for small companies and individuals.

    2 types of Bank loans

    -Short Term Credits

    -Long/Medium term loans


    Short Term Credits

    1) Global Operation Loan

    2) Object Credit

    3) Treasury Credit

    4) Discount Loan

    5) Factoring through Credit Cards

    6) Bank Overdraft
    Long/Medium term Loans

    1) Developmental Loans

    2) Mortgage

    3) Leasing Credits
    Deposit Products

    Bankdepositsconsist of money placed into banking


    institutions for safekeeping. Thesedepositsare
    made todepositaccounts such as

    1) Savings accounts

    2) Current Account

    3) Time Deposit Account


    Good future potential of banking product

    Benefits:
    Theft protection
    Convenient
    Reward program
    Mobile banking

    Benefits:
    Convenient
    Zero cost
    Loans
    Bad future potential
    product

    Travelers cheque
    Can be use as money laundering tools
    Emergence of substitutes such as credit card
    Banking Products & Services in
    Indonesia
    Banking Products & Services in
    Indonesia
    Thank You

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