L3

Banker Customer Relationship

 Learning outcomes
• Familiarity with banker customers relationship
• Exposure for banking activities
 Important to know-current news
• https://bfsi.economictimes.indiatimes.com/ne
ws/banking/sidbi-sanctions-rs-524-cr-for-upgr
adation-of-msmes-in-tn/85677236
 ICICI video
• https://www.youtube.com/watch?v=ApsrebyD
OG0

• https://www.youtube.com/watch?v=MwtUuT
_Z7QA
 What is your bank?

???????

• Why you have chosen this bank?

• How your bank is different from other banks?
• What type of relationship you have with your bank?
 Banker?
• Employees working on behalf of the banking
organisation or bank

• Dealing with customer who demand banking

products and services

• Handling all issues and provides support to the

bank customers
 Customer?
• Any person, organisation or professionals who
is using banking products or availing banking
services is known as customer of the bank.
 ICICI Bank video
• https://www.youtube.com/watch?v=rYyVhLuT
uGA
 Types of Banker Customer Relation

A. General Relationship
Debtor and creditor or Creditor and debtor

B. Special relationship
1.Trustee and beneficiary
2. Advisor and advisee
3. Principle and agent
4. Bailor and Bailee
5. Pledger and Pledgee or Pawner or Pawnee
6. Mortgager and Mortgagee
Or Creditor and Debtor
 MCQ
• Abhinav net income is Rs.2 Lakh per annum
out of which he deposited Rs.80,000 in Axis
bank term deposit plan. What type of relation
he has with his bank here
a. Debtor
b. Creditor
c. Both
d. None
 MCQ
• Rohan’s income is Rs.10 Lakh per annum but
he took a personal loan of Rs. 2Lakh from ICICI
bank. What type of relation bank has with his
Rohan here
a. Debtor
b. Creditor
c. Both
d. None
1
 2. Advisor and advisee
• In case of investments in any type of products
like bank deposits, insurance or stock market
products, Banks plays role of an advisor to the
customer.

• The advise can be officially or unofficially

• Preferable professional are deputed for advise.

 Test yourself
• What is my relationship with my bank?
• My bank provides me professional advice or
not?
• What other benefits i can take from my bank
services?
 Thanks

Any doubts????????????????????????????????
 Online links
• https://www.youtube.com/watch?v=E12kxsHx
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