presentation on depository and non depository institution , mutual fund , insurance companies

3. FINANCIAL INSTITUTION
❑ DEPOSITORY INSTITUTION
• MUTUAL SAVING BANK
• CREDIT UNION
• SAVING AND LOAN ASSOCIATION
• COMMERCIAL BANK
❑ NON-DEPOSITORY INSTITUTION
• CONSUMER FINANCE COMPANIES
• INSURANCE COMPANIES
• PENSION FUND
• MUTUAL FUNDS
CONTENT

4. FINANCIAL INSTITUTION
Any institution that Collect Money an puts in into assets
such as:
1. Bank deposits
2. Stocks
3. Bond
4. Loan
Types Of Financial Institution:-
1. Depository Institution
2. Non-depository Institution

5. Depository Institution:-
A financial institution that obtains its fund mainly through
deposited from the public. It may be either for profit or non profit.
This include:
❑ Commercial Bank
❑ Saving And Loans Association
❑ Credit Union
❑ Mutual Saving Bank

6. ORGANIZATION CAR
LOANS
COMMERCIAL BANK

7. SAVING AND LOAN ASSOCIATION
This institute is similar to commercial bank. They offered
Mortgaged Loan, Housing Loan and other credit to
individual and families

8. CREDIT UNION
A cooperative association that makes Small Loans to
its member at low interest rate and offers other
banking services as saving and checking account

9. Mutual saving bank
➢ It is owned by an operated for the benefit of its
depositor.
➢ Profit are distributed in proportion to the amount
of business each participants does with the
company.
➢ Organized mainly for saving and homes loan.

10. NON-DEPOSITORY
INSTITUTE
Government or private organization
that serve as an intermediary
between savors and barrows but
does not accept time deposited.

11. INSURANCE COMPANIES
Insurance companies protect their customer
from financial distress that can be caused by
unforeseen event such as: accident or
premature death

12. CONSUMER FINANCE COMPANY
They provide loans to people or businesses using the
insurance of short term securities especially commercial
paper, sometimes mortgagers as a source of fund
consumer finance companies provide loan direct to
consumer and charge a high interest rate

13. Pension fund
They receive contribution from individual and
employers during their employment provide a
retirement income for the individual.

14. MUTUAL FUND
An investment vehicle that is made up of a pool of
money collected from many investors for the
purpose of investing in stock, bonds, alternatives
and similar assets.

15. Key Benefits Of
Mutual Funds
Professional Money
Management
Diverse
Portfolio
AffordabilityLiquidity
Well Regulated
Industry

16. Mutual Funds Types
Equity Funds
Money Market / Liquid Funds
Hybrid Funds

17. EQUITY FUND
An equity fund is a mutual fund that invests principally in
stocks. It can be actively or passively index fund
managed. Equity funds are also known as Stock
funds.

18. Money Market & Liquid Fund
Money market basically refers to a section of the financial market
where financial instruments with high liquidity and short-term
maturities are traded. Money market has become a component of
the financial market for buying and selling of securities of short-term
maturities, of one year or less, such as Treasury bills and
Commercial papers.

19. Hybrid Fund
A hybrid fund is a category of mutual fund that is
characterized by portfolio that is made up of a mix
of stocks and bonds, which can vary
proportionally over time or remain fixed.

20. DEFINITION
An arrangement by which a company or
the state to provide a guarantee of
compensation for Specified Loan,
Damage etc. of a specific premium

21. TYPES OF INSURANCE
General
insurance
Life
insurance

22. GENERAL INSURANCE
Property insurance is a policy that provides Financial
Repayment to the owner or renter of a structure and
its contents, in the event of Damage Or Theft.
Following are the types are:
Fire Insurance
Casualty Insurance
Marine Insurance
Fidelity Insurance

23. LIFE ASSURANCE
Insurance that pays out a sum of money either on the
DEATH of the insured person or after a set period. Life
assurance is of the following types:
Life Term Insurance
Whole Life Insurance
Endowment Insurance
Personal Accident Insurance