UNIT-I : Introduction to Banking History of Banking- Components of Indian banking -Indian Banking System-Phases of development-Banking structure in India-Payment banks and small banks-Commercial BankingDefinition-Classification of banks. Banking System- Universal banking-Commercial Bankingfunctions-Role of Banks in Economic Development. Central Banking-Definition –NeedPrinciples- Central Banking Vs Commercial banking-Functions of Central bank.
UNIT-II: RBI Establishment-objective-Legal framework-Functions-SBI-Origin and History-Establishment Indian subsidiaries-Foreign subsidiaries-Non-Banking-Subsidiaries-Personal banking International banking-Trade Financing-Correspondent banking . Co-operative banks-Meaning and definition-Features-Co-operative banks vs Commercial banks-Structure.-NBFC-Role of NBFCRBI Regulations-Financial sector reforms-Sukhmoy committee 1985-Narasimham committee I and II-Prudential norms: capital adequacy norms-classification of assets and provisioning.
UNIT-III: E-Banking Meaning-Services-e-bankingandFinancialservices-Initiatives-Opportunities-Internet bankingMeaning-InternetbankingVsTraditionalbanking-Services-Drawbacks-Frauds in Internet banking. Mobile banking–Anywhere Banking-Any Time Banking- Electronic Mobile Wallets. ATM Evolution -Concept-Features – Types-. Electronicmoney-Meaning-Categories-Meritsofe-moneyElectronicFunds Transfer (EFT)system – Meaning- Steps–Benefits-Monetary policies- final sector reforms- Sakmoy Chakravarthy committee 1985- Narasiman Committee I & II prudential norms capital adequacy norms- classification of assets & provision meaning Structure of Interest rates (short and long term)-impacts on saving and borrowings.
UNIT IV: Bank Account Opening – Types of Accounts-FDR-Steps in opening Account-Saving vs Current Account- ‘Donatio Mortis Causa’ – Passbook-Bank Customer Relationship-Special Types of currents-KYC norms. Bank Lending –Lending Sources-Bank Lending Principles-Forms of lending-Loan evaluation process-securities of lending-Factors influencing bank lending – Negotiable Instruments –Meaning –Characteristics-Types. Crossing –Definition –Objectives-Crossing and negotiability-Consequences of Crossing.
UNIT-V: Endorsement Meaning-Components-Kinds of Endorsements-Cheques payable to fictitious person Endorsement by legal representative –Negotiation bank-effect of endorsement-Rules regarding endorsement . Paying banker-Banker’s duty- Dishonouring of Cheques-Discharge of paying banks Payments of a crossed cheque payment. Collecting bankers-Statutory protection under section 85-Refusal of cheques Payment. Collecting Banker-Statutory protection under section 131- Collecting bankers’ duty –RBI instruction –Paying Banker Vs Collecting Banker- Customer grievances-Grievance redressal –Banking Ombudsman.