Deposit at Bank as a mode of investment

2. NAME ID
Md.Hafizur Rahman BBA140205447
Md.Rafsun Ahmed BBA150105507
Nowsin Musarrat BBA0150105499
Meghla bhowmick BBA150105521

3. A commercial bank is a type of financial institution that provides services
such as accepting deposits, making business loans, and offering basic
investment products. Commercial bank can also refer to a bank, or a
division of a large bank, which more specifically deals with deposit and
loan services provided to corporations or large/middle-sized business as
opposed to individual members of the public/small business - retail
banking, or banks. What is an 'Investment' An investment is an asset or
item that is purchased with the hope that it will generate income or will
appreciate in the future. In an economic sense, an investment is the
purchase of goods that are not consumed today but are used in the future
to create wealth. In finance, an investment is a monetary asset purchased
with the idea that the asset will provide income in the future or will be
sold at a higher price for a profit .For all of reason we want to collect data
and analysis how much affecting people to deposit money in private
bank.

6. Modes of investment

7. Deposit at Bank as a mode of investment

8. • Commercial banks can help a small business by making it easier to
manage day-to-day financial tasks. An established commercial account
with a bank will make it easier to borrow money when you grow your
business. The Advantages of raising funds from a commercial bank are
as follows
• Banks provide timely assistance to business by providing funds as and
when needed by it.
• Secrecy of business can be maintained as the information supplied to
the bank by the borrowers is kept confidential;
• Formalities such as issue of prospectus and underwriting are not
required for raising loans from a bank. This, therefore, is an easier
source of funds;
• Loan from a bank is a flexible source of finance as the loan amount can
be increased according to business needs and can be repaid in advance
when funds are not needed

9.  Not always a reliable source of funds
 Sold on a discount basis-firms receives less
amount from the investor and pays full amount at
the time of maturity
 Unnecessary burden-if the firm doesn’t want any
funds from the CP issue, it will still pay the
interest
 Only big financial sound complies can take the
advantage of cps

10. To analyze the factors which govern
people to deposit money in private
commercial banks rather invest
elsewhere.

11. Supporting objectives
To identify and define different investment
models with merits and demerits.
To understand deposit an a mode of
investment.
To find factors that cause people to deposit in
different savings account rather elsewhere.
To suggest banks hoe to attract people to save
money and deposit in banks.

12.  Design
 The survey research method will be the
basic research design.
 Sources of data
 The secondary data needed for study
are collected from magazine ,journals,
annual reports of the commercial bank
etc

13. It is used for collecting data from
borrowers structured and non-designed type
of question and closed ended questions
where used for the study.

14. Keeping in view of the problem and scope of
study the researcher has decided to classify all
the borrowers on occupation basis which
include govt. employee, private employees,
students, farmers, professionalize and business
people

15. • Is a combination of machines, people, and processes that for a set of
inputs produces a defined set of outputs the inputs and outputs are
interpreted as data, facts, information, depending on the interpreter's
relation to the system A common synonymous term is "information
system"
• A data processing system may involve some combination of
Conversion converting data to another format
• Validation – Ensuring that supplied data is "clean, correct and useful."
• Sorting – "arranging items in some sequence and/or in different sets."
• Summarization – reducing detail data to its main points.
• Aggregation – combining multiple pieces of data.
• Analysis – the "collection, organization, analysis, interpretation and
presentation of data."

17. Course requirement to obtain a good grade.
To recommend bank to take necessary steps
to attract people in deposit
Their money in their banks based on the study
findings.
Which enable us to identify people reasons of
depositing money in banks.

18. Scope of the study
• It is limited to commercial private bank.
• An overview on operations of commercial
private bank.
• Financial performance of the bank.
• We can gather new ideas for our new
customers
• Identify the right customers who actually
interested in to deposit money.
• The origin and social activities of the banks etc.

19. • There may some problems while conducting this study.
• Time
• Resources
• Can’t study large population
• Information access
• People
• Recommendations
• Necessary steps should be taken for improvement of responsiveness
to the customers
• Enhancement of professional knowledge and skill

20. Conclusions
• Commercial banks have a significant role to play in
the economic development of the country. This is
done by developing the priority sec tors of the e
economy, which are indispensable le for the
development of the gross domestic product of the c
country by mean s of p revision of finance e to such
sectors. However, the role of commercial banks does
not end with provision n of finance that is required
by the sector, which is having management. Doing
this research we found some advantages,
disadvantages, limitation, scope etc. For going to
decision make people need to consider all of this
factors.