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This Book Contains: Structure of Indian banking; evolution of banking, meaning of banks and banker words.
Main traditional activities of banks-deposits, loans and advances.
Negotiable instruments - cheque, bill of exchanges, promissory notes - their salient features and implications of banking of cheques.
Emerging role of banks under globalisation.
Modern banking functions - fund-based and fee-based functions, loans and investments, demand draft, remittances modes, letter of credit and issue of guarantees, keeping of demat accounts.
Agencies functions - draft drawing arrangements, selling of insurance products, mutual funds, units tax collections on behalf of government and local bodies, sale of gold coins/bars.
Merchant banking, leasing and hire purchase services, portfolio management
International banking for financing of imports and exports - Pre-shipment and Post-shipment finance, international payment system, deemed exports, letters of credit, documents used in foreign trade, external funds, mobilisation, syndication of loans, non?resident accounts, FCNR(B), NR(E), NROs, ADRs/IDRs/GDRs, foreign direct investments, various risks in international banking-UCP DC-600, e-UCPDC-600.
Credit risk management - prudential norms for income recognition, NPAs, classification of assets norms, Lok adalat, DRTs, Ombudsman scheme 2002, securitisation (SARFAESI Act, 2002) law and its amendments.
Prudential Norms on capital adequacy - minimum requirements under BASEL-II, Risk adjusted assets and off-balance sheet items, computation of CRAR.
Use of e-banking and their use in banks e-services - ATMs, cash dispensers, tele-banking, online banking, internet-banking, bankers`book evidence Act, 1891
For fast and quicker payments use of credit/debit and smart cards
E-commerce and banking - methodology, types, advantage, issues and concerns and market scenario for growth in India.
RTGS/SFMS/SWiFT/CHiPS/CHAPS/CHATS/Cheque truncation/digital signature
Meaning and objectives of financial management - sources and uses of funds - project financing - concept of risk and return - time value of money
Financial statements analysis - classification of assets various ratios and their role in interpretation of balance sheets and profit and loss accounts
Micro-insurance and agriculture-insurance - meaning of micro-insurance, its evolution and profitability to insurers, crop-insurance in India, emerging issues and challenges, financial inclusion, deficiency in insurance services, Islamic-insurance, origin Tukaful
Risk management in banks - concept, need, objectives, types
Need for knowledge of sources of financial information This book is intended to assist bank officers, MMS/MBA students and other readers is general those who wants to have/gain an understanding about the various aspects of banking services and their advantages to its users.ISBN - 9789350248638
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