07980nam a2200121Ia 4500999001500000020001900015100002100034245003900055260001700094650762500111942000707736952011507743  c2614d2614  a978-8120336551  aMURALEEDHARAN, D 0aMODERN BANKING THEORY AND PRACTICE  bPHI LEARNING  aBANKING SYSTEM IN INDIA  Origin of Banks 	 Indigenous Bankers and Moneylenders	 Indigenous Banks and RBI	 Banking Commission, 1972 and Indigenous 	Bankers Cooperative Banking Institutions Cooperative Credit Institutions	. Urban Cooperative Banks	. Regional Rural Banks	. Development of RRBs	. Prudential Norms for RRBs	. RRBs and Economic Reforms	. Foreign Banks	. Development Financial Institutions (DFIs)	. Evolution of Development Banks	. Importance of DFIs	. Functions of DFIs	. National Level Institutions	. All-India Development Banks (AIDBs)	. Specialised Financial Institutions	(SFIs)	. Investment Institutions	. State	Institutions	.  Types of Banks	. Central Bank	. Commercial Banks	. Development Banks	. Cooperative Banks	. Specialised Banks	. Types of Banking	. Need for Mixed Banking	. Merits. Demerits	. . .	COMMERCIAL BANKING Structure of Commercial Banking	. Public Sector Banks	. Private Sector Banks	. Foreign Banks	. Functions of Commercial Banks	. Acceptance of Deposits	. Granting Loans and Advances	. Agency Services	. Payment and Collection of Cheques	. Bill of Exchange and Promissory Notes Execution of Standing Orders	. Trustee Business	. Safe Custody	. Remittance of Funds	. Issuing Letters of Credit. Payment of Pension	. Performance of Government Transactions . .CENTRAL BANKS Definition of a Central Bank	. Functions	. Implementation of Monetary Policy. Note Issue. Banker to the Government	. Bankers' Bank. Custodian of Foreign Exchange Reserves Lender of the Last Resort	. Clearing Function. Credit Control	. Interest Rate Interventions	. Banking Supervision	.  Independence of the Central Bank	. RBI as the Central Bank	. . INDIAN MONEY MARKET AND FINANCIAL SERVICES Indian Money Market	. Role of Money Market	. Monetary Policy Frameworks	. Structure of Money Market	. Instruments of Money Market	. Features	. Secondary Market and Players	. Indian Capital Market	. Regulatory Framework	. Policy Measures and Initiatives	. Capital Market Instruments	. Functions of Capital Market	. Development of Stock Markets	. Capital Market Reforms. Non-Banking Financial Companies (NBFCs)	. Financial Services	. Classification of Financial Services	. Scope of Financial Services	. Sources of Revenue	. New Financial Products and Services	. Merchant Banking	. Issue Management	. Underwriting	. Bankers to an Issue	. Brokers to the Issue	. Registrars to an Issue and Share Transfer Agents. Debenture Trustees	. Portfolio Managers	. Leasing	. Hire Purchase	. Factoring	. Forfaiting	. Venture Capital	. Housing Finance	. Mutual Fund	. Credit Rating	. Foreign Exchange Management by Banks	. Intervention of Central Banks	. The Foreign Exchange Management Act, 1999	. . BASIC LENDING PRINCIPLES Liquidity	. Profitability	. Profitability Management	. Profitability Planning	. Safety Issues	. Diversification of Risk	. Benefits of Diversification	. Costs of Diversification	. Risk/Return Trade-off	. Credit Creation	. Credit Function	. Types of Credit	. Balance Sheet	. . S.	LOANS AND ADVANCES Loans	. Classification of Loans	. Advances	. Cash Credit. Overdraft. Discounting of Bills	. Lending to Corporates	. Domestic Lendings	. Global Lendings	. Mode of Securing Loans/Advances	. Unsecured Advances	. Secured Advances	. Purposes of Loan	. Priority Sector Advances	. Public Sector/Banking Sector/Other	Sectors. Loan Appraisal and Disbursal. Lending Policies	. Loan Objectives	. Volume of Loans	. Geographical Distribution	. Evaluation of Loan Proposals. Industry Level Credit Analysis. Operational Efficiency. Financial Efficiency	. Management Evaluation.  Analysis of Fundamental Factors	. Credit Files. Lending Rates. Loan Administration. Loan Pricing. Objectives	. Loan Pricing Model	. . .NEGOTIABLE INSTRUMENTS Promissory Notes	. Bills of Exchange	. Cheques	. Types of Cheques	. Parties to a Negotiable Instrument	. Valid Acceptance	. Holder in Due Course	. Endorsement	. Liabilities of Parties	. Nature of Suretyship	. Discharge of Endorser's Liability. Effect of Forgery. Instrument Acquired after Dishonour. Dishonour of a Cheque	. Notice of Dishonour	. Noting and Protesting	. Collection of Cheques and Other Instruments	. Duties	. Responsibilities. Liabilities	. Standard Time Norms	. Redressal of Complaints and Grievances	. Responsibility of Paying	. Speedier Collection of Cheques	. . .	BANKER AND CUSTOMER The Banker	. General Responsibilities	. Specific Duties	. Positive Traits a Banker should Possess	. Duties of a Customer	. Nature of Banker—Customer Relationship. Normal Incidents of the Relationship	. Appropriation of Payments	. Banker's Right to Lien. Banker's Right of Set-off	. Banker's Obligation to Honour Customer's Cheques	. Banker's Obligation to Protect Customer Secrecy. Banker's Right to Charge Interest and Commission	. Garnishee Order	. Banker—Customer Relationship in the Context of the 	Bankers 	Book Evidence Act Deposit Account	. Types of Deposit Account	. Steps to Open a Savings Bank Account	. Procedure for Operating a Deposit Account	. Issue of Passbook. Issue of Cheque book	. Issue of a Fixed Deposit Receipt	. Procedure for Closure of Accounts	. . TYPES OF ACCOUNT HOLDERS	. Individual. Joint Account Holders	. Illiterates	. Minors	. Married Women	. Non-Resident Accounts. Non-Repatriable Accounts. Non-Resident (External) Rupee (NRE) Account. Joint Hindu Family	. Sole Proprietorship. Partnership Firms	. Joint Stock Company. Clubs, Associations and Societies	. Trusts	. Executors and Administrators. Government Departments	. Local Authorities	. Payment of Pension	. Certificates of Deposit	.  .   .. METHODS OF REMITTANCE Demand Draft	. Mail Transfer	. Telegraphic Transfer. Banker's Cheques	. Traveller's Cheque	. Bank Credit Cards	. MICR Clearing	. Functioning of MICR Technology	. Bankers Automated Clearing System. Electronic Credit Clearing Service	. Electronic Debit Clearing	. Society for Worldwide Interbank Financial Telecommunication (SWIFT) Automated Trading System	. Clearing House Automated Payment System. Electronic Funds Transfer. Electronic Funds Transfer Point of Sale	. Digital Payment System. E-Banking	. Virtual Payment Systems	. PayPal	. WebMoney	. First Virtual System. Visa Virtual Payment Card	. NetSafe. BPC Virtual Payment Systems. Internet Banking	. Mobile Banking. Models	. Challenges	. Home Banking	. Telebanking	. Offshore Banking	. Advantages	. Disadvantages	. Financial Services. Postal Order	. Indian Postal Order. British/Irish Postal Order	. PIO Card Scheme. Gold Banking	. Reciprocal Line Facilities	. Social Banking	. .     .  . 	TECHNOLOGY IN BANKING Computerisation in Banks	. The Internet and E-commerce in Banking. Hi-Tech Banking. Core Banking	. User Expectations. Core Banking Solutions. ATM Cards	. Debit Cards	. Advantages and Disadvantages. Credit Cards	. Secured Credit Cards	. Cirrus Logo. Prepaid Credit Cards	. Credit Card Security	. Profits and Losses	. Credit Card Numbering	.7 Smart Cards	. Contact Smart Cards	. Contactless Smart Cards. Cryptographic Smart Cards	. Applications of Smart Cards	. . . 	MODERN TRENDS IN INDIAN BANKING Nationalisation of Banks and After	. Social Banking	. Lead Bank Scheme	. Priority Sector Lending	. Priority Sector Lending. Categories of Priority Sector	. Reforms in Priority Sector Lending	. Credit to Agriculture and Allied Activities. Revised Guidelines on Priority Sector Lending	. Financial Inclusion. Service Area Approach	. Guidelines for Implementation	. Reforms in SAA Scheme	. Micro-Credit	. Self-Help Groups	. Non-Governmental Organisations	. Micro-Credit Disbursement Indicators	. Foreign Investment in Micro-Credit Projects	. Micro-Finance Development Fund	.  cBK  00104070aMIIMLIBbMIIMLIBcREFERENCE BOOKd2019-02-11g325.00l0o332.1p2614r2019-02-11w2019-02-11yRFBK