Page 4 - DCOM208_BANKING_THEORY_AND_PRACTICE
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SYLLABUS
                                            Banking Theory and Practice



          Objectives:

               Students will get exposure for banking operations
               Students will be exposed to various dimensions of day to day operations.
               Students will have practical applications of banking aspects in real life situations

            S. No.                                          Description

              1.    Banks: Meaning, nature, characteristic of Indian banking  system, functions of commercial banks – primary
                    functions; secondary functions; agency functions and general utility functions, role of banks in the development
                    of economy (Financial Inclusion).

              2.    Indian Banking System: History, Classification & Present scenario, Reserve Bank of India: role and functions,
                    techniques of credit control.
              3.    Credit creation: Meaning, process, limitation of credit creation.
              4.    Banker Customer Relationship: Various types of relationship, KYC norms, Special types of accounts, Mandate &
                    power of attorney, Banker’s Lien, Right of Set off, Garnishee Order and Attachment order.
              5.    Type of Deposit Account: Process of opening bank accounts,  pay in slip, Cheque book, pass book, ATM cum
                    Debit card, Credit Card,  advantages of bank account, No Frill Account,  Loan  and Advances: Introduction,
                    classification of loans, principles of good lending, loan procedure followed by banks, Evaluating consumer and
                    commercial loans.

              6.    Banking Systems: Corporate banking, Retail banking and  Merchant banking, Treasury Management,  Cash
                    management system: concept of Cash Management Services for Corporate entity.
              7.    Negotiable Instruments: Definition and features of Cheques, Bills of exchange, Promissory note, Holder, Holder
                    in due course, Paying Banker & Collecting Banker: right & liabilities, Reasons for dishonour of cheques, Crossing
                    of Cheques, Endorsement of a Cheque.
                                                                                            nd
              8.    Banking Sector Reforms: Liberalization of banking sector, Narsimham Committee-1  and 2  generation reforms,
                                                                                       st
                    Capital adequacy: introduction, Basel II norms (new capital adequacy frame work).
              9.    Non Performing Assets (NPA’s): Introduction, classification of NPAs, provisions  for NPA’s, management of
                    NPA’s.
             10.    Core banking Solution, RTGS, NEFT, EFT, ALM, AML.  E- banking: Introduction of  e banking, E-cheques,
                    advantages and disadvantages of e banking, Cheque Truncation, mergers of banks, Global banking activities.
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