Banking: Meaning and Definition, Evolution of Indian Banks.Types of banks -Public Sector, Regional Banks, Performance of PublicSector banks, Private Sector Banks.Commercial banking: Structure, Functions - Primary & secondary function,Role of commercial banks in socio economic development, Servicesrendered. Credit creation and Deployment of Funds. Bank Clearing House:Clearing Procedure.Hi-tech Banking: Modern technology in Banking, Core banking, E Banking,ATM, EFTS, RTGS, Internet Banking, Mobile Banking.
Bank and Customer: Relationship between the Banker and the Customer.Types of accounts and Deposits, Forms of lending. Bank`s obligation tocustomers.Documents & Procedure for loan.Asset Liability Management in banks: Components of Liabilities andComponents of Asstes, Significance of Asset Liability management, Purposeand objectives. ALM as co ordinated Balance Sheet management.Banking Instruments- Cheque, bank draft, e-cheque, Travellers cheque,credit card, cheque cards, Debit card.Concepts of Universal Banking
International Banking: Exchange rates and Forex Business, Correspondentbanking and NRI Accounts, Letters of Credit, Foreign currency Loans,Facilities for Exporters and Importers, Role of ECGC, RBI and EXIM Bank.
Merchant banking: Origin, Services rendered by Merchant bankers,Functions of Lead managers, SEBI Guidelines for Merchant bankers.Non-Banking Finance Companies: Functions, RBI Guidelines, PrudentialNorms.
Money Market: Structure – Organised and Un organized Market, Call MoneyMarket, Bills market, Market for Government Securities.Money market Instruments: Treasury Bills, Repurchase Agreements /Reverse Repo, Commercial bills, Commercial papers, Certificate of deposit.
Housing Finance: Types, Institutions and banks offering Housing Finance,Procedure and Interest rates.Income Tax Implication.Leasing: Concept, Steps in Leasing Transactions, Types of Lease, Legalframeworks, Advantages and dis advantages of Leasing, Contents of a LeaseAgreement, Matters on Depreciation and Tax, Problems in leasing, Factorsinfluencing Buy or Borrow or Lease Decision.Hire Purchasing: Concepts and features, Hire Purchase Agreement,Comparison of Hire Purchase with Credit sale, Installment sale and Leasing.Banks and Hire Purchase. Reverse mortgage.Problems related to outright purchase, Hire purchase and Leasing.
Credit rating: Definition and meaning, Process of credit rating of financialinstruments, Rating methodology, Rating agencies, Rating symbols ofdifferent companies. Securitization of debt: Meaning, Features, SpecialPurpose Vehicle, Types of securitisable assets, Benefits of Securitization,Issues in Securitization.Factoring:Meaning,Definition,Functions,Types,CostofFactoring.Forfeiting.
Venture Capital: Concept, features, Origin in India and the current IndianScenario.Depository System: Objectives, activities, interacting systems, role ofdepositories and their services, Advantages of depository system -NSDL andCDSL. The process of clearing and settlement through Depositories,Depository Participants.(QUESTION PAPER: Full Theory Case study-Problem on leasing, hirepurchase, outright purchase.)