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UNIT–I
INTRODUCTION
Origin and Growth of Banking in India – Functions of Commercial Banks Financial Inclusion – Public Vs. Private Sector Banks – Foreign Banks – Payment Banks – Universal Banking – Emerging Trends in Commercial Banking in India: E–Banking – Mobile Banking – Core Banking – Bank Assurance –OMBUDSMAN – Types of Deposits–Time Deposits – Current and Savings Accounts – Importance of Current and Savings Accounts – Zero Balance Accounts.
UNIT–II
RESERVE BANK OF INDIA
RBI – Functions – Control of Credit – Objectives – Instruments – Repo Rate – Reverse Repo Rate – Bank Rate – Statutory Liquidity Ratio – Cash Reserve Ratio – Money Market – Role of RBI in Money Market – Role of RBI in Exchange Rate.
UNIT–III
WORKING OF COMMERCIAL BANKS AND TYPES OF BANKS
Prudential Norms – Income Recognition, Asset Classification, Investments and Provisioning – Concepts of Base Rate and Net Interest Margin–Importance of Current and Types of Banks-Co-Operative Banks – Regional Rural Banks – National Bank for Agriculture and Rural Development (NABARD)
UNIT–IV
BANKER AND CUSTOMER RELATIONSHIP
Definition of Banker and Customer – Relationship Between Banker and Customer – KYC Norms –General and Special Features of Relationship – Precautions to be taken by a Banker in Opening of Accounts of Special Types of Customers Like Minor, Married Women, Partnership Firms, Companies, Clubs and other Non-Trading Institutions.
UNIT–V
NEGOTIABLE INSTRUMENTS
Descriptions and Their Special Features – Duties and Responsibilities of Paying and Collecting Banker – Circumstances under which a Banker can Refuse Payment of Cheques – Consequences of Wrongful Dishonors – Precautions to be Taken while Advancing Loans Against Securities – Goods – Documents of Title to Goods – Loans Against Real Estate – Insurance Policies – Against Collateral Securities – Banking Receipts. Rule in Clayton’s Case – Garnishee Order – Loans Against Equitable Mortgage – Legal Mortgage – Distinction between them – Latest Trends in Deposit Mobilization.
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CategoriesManagement
Format EPUB
TypeeBook