{"id":19334,"date":"2013-05-09T12:41:12","date_gmt":"2013-05-09T07:11:12","guid":{"rendered":"http:\/\/vskills.in\/certification\/tutorial\/?p=19334"},"modified":"2024-04-12T14:15:37","modified_gmt":"2024-04-12T08:45:37","slug":"characterstics-of-commercial-banks","status":"publish","type":"page","link":"https:\/\/www.vskills.in\/certification\/tutorial\/characterstics-of-commercial-banks\/","title":{"rendered":"Characteristics of Commercial Banks"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a ref=\"magnificPopup\" href=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Certificate-in-Quantitative-Financial-Programming-with-R-12-1.png\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"400\" src=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Certificate-in-Quantitative-Financial-Programming-with-R-12-1.png\" alt=\"Characteristics of Commercial Banks\" class=\"wp-image-98147\" srcset=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Certificate-in-Quantitative-Financial-Programming-with-R-12-1.png 750w, https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Certificate-in-Quantitative-Financial-Programming-with-R-12-1-300x160.png 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/figure>\n<\/div>\n\n<p><\/p>\n<p><strong>Characteristics of Commercial Banks- <\/strong>Commercial banks are an organization which normally performs certain financial transactions. It performs the twin task of accepting deposits from members of the public and make advances to needy and worthy people from society. When banks accept deposits its liabilities increase and it becomes a debtor, but when it makes advances its assets increases and it becomes a creditor. Banking transactions are socially and legally approved. It is responsible for maintaining the deposits of its account holders.<\/p>\n<p>Characteristics of Commercial Banks- Among financial institutions, the role of commercial banks is unique.<\/p>\n<ul>\n<li>Bank demand deposit liabilities constitute a large proportion of \u2018narrow money\u2019 i.e. money consisting of currency with the public, demand deposits, and other deposits with RBI, Which includes narrow money, post office savings, bank deposits and time deposits with banks aggregate a large deposit of over 80%.<\/li>\n<li>Commercial banks are the main channels through which credit and monetary policies are transmitted to the company. Credit and monetary policies are implemented through action on bank reserves (cash and statutory liquidity ratios), margin requirement, and the rate at which scheduled banks can borrow from the RBI.<\/li>\n<li>They deal in a wide variety of assets and accommodate different types of borrowers.<\/li>\n<\/ul>\n<p>They facilitate the spread of the monetary policies to non-bank lenders and to other sections of the economy.<\/p>\n<div class=\"apply\">\n<h5>Apply for Commercial Banker Certification Now!!<\/h5>\n<p><a href=\"http:\/\/www.vskills.in\/certification\/Certified-Commercial-Banker\" target=\"_blank\" rel=\"noopener\">http:\/\/www.vskills.in\/certification\/Certified-Commercial-Banker<\/a><\/p>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.vskills.in\/practice\/commercial-banking\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"961\" height=\"150\" src=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1.png\" alt=\"\" class=\"wp-image-97428\" srcset=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1.png 961w, https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2020\/12\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1-300x47.png 300w\" sizes=\"auto, (max-width: 961px) 100vw, 961px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p><a href=\"https:\/\/www.vskills.in\/certification\/tutorial\/certified-commercial-banker-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Go back to Tutorial<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Characteristics of Commercial Banks- Commercial banks are an organization which normally performs certain financial transactions. It performs the twin task of accepting deposits from members of the public and make advances to needy and worthy people from society. When banks accept deposits its liabilities increase and it becomes a debtor, but when it makes advances&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[3342],"tags":[9763,9766,9764,9765,9767,3373],"class_list":["post-19334","page","type-page","status-publish","hentry","category-commercial-banking","tag-certified-commercial-banker","tag-certified-commercial-banker-course-outline","tag-certified-commercial-banker-exam-details","tag-certified-commercial-banker-free-practice-test","tag-certified-commercial-banker-tutorial","tag-characterstics-of-commercial-banks"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Characteristics of Commercial Banks - Tutorial<\/title>\n<meta name=\"description\" content=\"Learn more about Characteristics of Commercial Banks. Get Certified from Vskills and improve employability. Read here. Click Here!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vskills.in\/certification\/tutorial\/characterstics-of-commercial-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Characteristics of Commercial Banks - Tutorial\" \/>\n<meta property=\"og:description\" content=\"Learn more about Characteristics of Commercial Banks. Get Certified from Vskills and improve employability. Read here. 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