1. COMMERCIAL BANKS G H C Prasad Reddy KunalSachdev Naveen Kumar V Pinky Baishya VarunBennur VijetaHattiholi Group-09

2. COMMERCIAL BANK Commercial banks are the financial institution which acts as a financial intermediary which collects credit from lenders in the form of deposits and lends in the form of loans.

4. Granting loans and advances:Loans Advances

5. Secondary functions Issuing letters of credit, travellers cheques. Undertaking safe custody of valuables, important documents, and securities by providing safe deposit vaults or lockers; Providing customers with facilities of foreign exchange. Transferring money from one place to another; and from one branch to another branch of the bank. Collecting and supplying business information. Issuing demand drafts and pay orders. Providing reports on the credit worthiness of customers.

6. Difference between Primary and SecondaryFunctions

7. Different modes of Acceptance of Deposits Savings Deposits Current Deposits Fixed Deposits Recurring Deposits Miscellaneous Deposits

10. Basic concepts used in the process of credit creation 1. Bank deposits 2. Business Institutions 3. Cash Reserve Ratio 4. Excess Reserves 5. Credit Multiplier

11. Process of Credit Creation Single Bank System Multiple Bank System

13. Amount of Primary Deposits

14. Banking Habits of the People

15. Credit Policy of the Central Bank

16. Policy of other banks

17. Nature of Securities or Availability of Good Borrowers

19. The following are the Scheduled Banks in India (Public Sector): State Bank of India Corporation Bank State Bank of Bikaner Dena Bank State Bank of Hyderabad Indian Overseas Bank State Bank of Indore Indian Bank State Bank of Mysore Oriental Bank of Commerce State Bank of Saurashtra Punjab National Bank Andhra Bank Punjab and Sind Bank Allahabad Bank Syndicate Bank Bank of Baroda Union Bank of India Bank of India United Bank of India Bank of Maharashtra UCO Bank CanaraBank Vijaya Bank Central Bank of India

20. The following are the Scheduled Banks in India (Private Sector): ING Vysya Bank Ltd Axis Bank Ltd Indusind Bank Ltd ICICI Bank Ltd South Indian Bank HDFC Bank Ltd Centurion Bank Ltd Bank of Punjab Ltd IDBI Bank Ltd

21. The following are the Scheduled Foreign Banks in India: American Express Bank Ltd. ANZ Gridlays Bank Plc. Bank of America NT & SA Bank of Tokyo Ltd. BanqucNationale de Paris Barclays Bank Plc Citi Bank N.C. Deutsche Bank A.G. Hongkong and Shanghai Banking Corporation Standard Chartered Bank. The Chase Manhattan Bank Ltd. Dresdner Bank AG.

22. Sources http://www.indiastudychannel.com/resources/108889-Credit-Creation-Limitations-Bank.aspx http://www.slideshare.net/avnishbajpai/commercial-banks http://www.nabard.org/pdf/report_financial/Chap_IV.pdf http://www.google.co.in/search?hl=en&rlz=1C1AVSX_enIN399IN399&tbs=bks:1&q=macroeconomics+credit+creation&btnG=Search&aq=f&aqi=&aql=&oq=&gs_rfai= http://books.google.co.in/books?id=02gh0RAwQYEC&pg=PA303&dq=macroeconomics+credit+creation&hl=en&ei=gOgmTa7LDZHKrAfbm5ysDA&sa=X&oi=book_result&ct=result&resnum=4&ved=0CDoQ6AEwAw#v=onepage&q&f=false http://www.thinkplaninvest.com/2009/01/scheduled-banks-in-india/