Principles and Practices of Banking
Unit-I: Indian Financial
System
Recent developments in
the Indian Financial system, market structure and financial innovation. RBI,
SEBI, IRDA etc. their major functions, Role and Functions of banks - Regulatory
provisions/enactments governing banks, Retail banking: Approach, products,
marketing etc.; Wholesale Banking; international banking; Role and functions of
Capital markets, Role and Functions of Mutual Funds, Role and Functions of
Insurance Companies - Bank assurance, Importance of risk management in
banks-types of risk-impact and management Factoring & Forfeiting,
Alliances/ mergers/consolidation
ADR/GDR/Off Balance sheet items, Participatory Notes, Credit Information
Bureau Ltd.,
Unit-II: Functions of
Banks: Deposits
Banker-Customer relations
- Know your Customer [KYC] guidelines-Different Deposit Products - services
rendered by Banks - Mandate and Power of attorney; Banker's lien - right of set
off - garnishee order - Income tax attachment order etc. Payment and collection
of Cheque - duties and responsibilities of paying and collecting
banker-protection available to paying and collecting banker under NI Act -
endorsements - forged instruments - bouncing of cheques and their implications
Opening of accounts for various types of customers - minors - joint account
holders - HUF - firms - companies - trusts - societies - Govt. and public
bodies Importance of AML.
Unit-III: Functions of
Banks: Credit
Principles of lending -
various credit Products/ Facilities - working capital and term loans - Credit
Appraisal Techniques - Approach to lending; - credit management - credit
monitoring -NPA Management Different types of documents; Documentation
Procedures; Stamping of documents Securities - Different modes of charging -
types of collaterals and their characteristics Priority Sector Lending -
sectors - targets - issues/problems - recent developments - Financial
Inclusion.
Unit-IV:
Agriculture/SMES/SHGS/SSI/Tiny Sector Financing
New Products &
Services -Factoring, Securitization, bank assurance, Mutual Funds etc. Credit
Cards/Home Loans/Personal Loans/Consumer Loans-Brief outline of procedures and
practices. Ancillary Services: Remittances, Safe Deposit lockers etc.
Unit-V: Banking
Technology
Electronic Banking- Core
Banking -Electronic products Banking Technology - Distribution channels -
Teller Machines at the Bank Counters - Cash dispensers - ATMs - Anywhere
Anytime Banking - Home banking (Corporate and personal) Electronic Payment
systems On line Banking - Online enquiry and update facilities - Personal
identification numbers and their use in conjunction with magnetic cards of both
credit and debit cards, smart cards, signature storage and display by
electronic means, cheque truncation, microfiche, note and coin counting
devices. Electronic funds transfer systems, Role and uses of technology up
gradation - Global developments in Banking Technology - Information Technology
in finance.
Unit-IV: Support
Services - Marketing of Banking Services Products
Marketing Management -
Meaning, Importance and Functions - Marketing of Services - Product Research
& Development - Test marketing of bank products - Product Life Cycle -
Product Modification - New Product Development - Packaging and Branding of bank
products - Diversification - Pricing of bank products and services, Importance
of Pricing. Distribution - Factors Influencing - Direct and Indirect Channels
of bank products - Physical Distribution - Channel Functions and Services -
Promotion - Promotion Mix and Role of Promotion in Marketing - Marketing
Information Systems. Role of DSA/DMA in Bank Marketing; Channel Management;
Portfolio and Wealth Management; Tele marketing/Mobile Phone banking.
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