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Ancillary
Services
Miscellaneous Banking Activities
Sakti Padhi
72050 14418
admin@commonqacademy.co.in

Non Interest Income (NII)


Banks also offer a variety of services, not only to
its customers but also to the general public. All
these services are commission or fee based
services and the income derived out of these are
called Non Interest Income (NII)

Funds Transfers
Demand Drafts
Pay Orders
Bankers Cheque
NEFT
RTGS
IMPS
SWIFT

Safe Deposit Vaults (SDVs)


Popularly called Lockers
Contents unknown
Dual operations
Impervious to natural calamities
Not insured
KYC and AML norms are followed

SDVs Operational Procedure


Account opening
Lockers Agreement
Locker Rent
Non- Payment of Rent
Operation of Lockers
Lost Keys
Nomination Facility
Delivery of Locker Contents

Safe Custody
Contents Known
Bailor and a Bailee Relationship

Cash Management Services


Cash Services
Collection Services
Payment Services
Reconciliation Services

Cash Services
Doorstep Cash Collection
Authentic Receipt
Zero Risk
Combination of Photo Identity Card and
Scratch Card

Collection Services
Local Cheques Collections
Outstation Cheques Collections

Payment Services
Customer Cheque Printing
Bulk Demand Draft Printing

Reconciliation Services

Customer Account Reconciliation


Correspondent Banks Reconciliation

Demat Accounts
Similar to Personal Banking Account
Depositories
The National Securities Depository Ltd
(NSDL)
Central Depository Services Ltd (CDSL).
Depositary Participants

Demat Account Operations


Opening a Demat Account
Attached to a Deposit Account
International Securities Identification
Number(ISIN)
Fees Involved
Account-opening fee
Annual maintenance fee
Custodian fee
Transaction fee
Dematerialization and Rematerialization
Charges

Sale of Mutual Fund Schemes


Risk Free and Commission Earning Business
Corporate Agency with Certified Designated
Staff
Provide Execution and Logistics Support
Expected Competencies

Scheme Information Document (SID)

Statement of Additional Information


(SAI)

Key Information Memorandum (KIM)

Operational Requirements

Bancassurance
Also known as Bank Insurance Model
Risk Free and Commission Earning Business
Corporate Agency with Certified Designated
Staff
Provide Execution and Logistics Support
Expected Competencies

Details of Covers

Permissible Riders

Operational Requirements

IRDA Guidelines

Traveller's Cheque

The Players

The Issuer

The Purchaser

The Payee

Issue of Traveller's Cheques


Encashing Traveller's Cheques
Fees and Commissions
Loss or Theft

Bank Guarantees
Contingent in Nature
Controlled Outside the Balance Sheet
Attracts Commission; Not Interest
Converted to a Loan if Invoked
2 Types
1. Financial Guarantee
2. Performance Guarantee

Equipment Lease & Hire Purchase


Leasing

Finance Leasing

Operating Leasing

Hire Purchasing

Alternative to Instalment Loans

Recapitulations

Recap
Funds Transfer
Safe Deposit Vaults
Safe Custody
Cash Management Services
Demat Accounts
Sale of Mutual Fund
Bancassurance
Traveller's Cheques
Bank Guarantees
Leasing & Hire Purchasing

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Thank You
Sakti Padhi
72050 14418
admin@commonqacademy.co.in