This course covers the banking structure consisting of commercial banks and other financial institutions regulated by the Reserve Bank of India. This course on banking systems provides a thorough knowledge on the source of funds of the bank, the impact of non-performing assets on bank performance, financial analysis of a bank statement and the necessity for a financial inclusion. This course aims to introduce students with broad prospective of current issues and future prospects of Indian banks and acquaint them with the regulatory system and monetary policies within which it operates. The course aims to develop the skill and acumen to analyse the financials of a bank. This course is designed to serve as a stepping stone for you to build a career in the field of Finance.
Module 1: Introduction To Banking
Meaning and Types of Banking, Evolution of Banking India, Banking Structure in India, Licensing of Banks in India, Branch Licensing, Foreign Banks, Private Banks – Capital and Voting Rights, Corporate Governance.
Banking and the Economy: Cash Reserve Ratio (CRR), Statutory Liquidity Ratio (SLR), Repo and Reverse Repo, Open Market Operations, Capital Account Convertibility.
Module 2: Banking Services
Kinds of Deposits, Demand Deposits, Term Deposits, Hybrid Deposits / Flexi Deposits, Non-Resident Accounts, Joint Accounts, Nomination, Closure of Deposit Accounts, Deposit Insurance.
Fund-based Services, For Business, For Individuals, Non-Fund-based Services, For Business, For Individuals, Money Remittance Services, Demand Draft / Banker’s Cheque / Pay Order, National Electronic Funds Transfer (NEFT),Real Time Gross Settlement (RTGS),Society for Worldwide Interbank Financial Telecommunications (SWIFT),Banking Channels.
Module 3: Bank Customer Relationship
Roles of Banks, Bank as Debtor, Bank as Creditor, Bank as Bailee, Bank as Agent, Bank as Lessor, Bank as Executor / Trustee, Bankers’ Obligation of Secrecy, Disclosure under Law, Disclosure based on customer’s consent, Disclosure with Credit Information Bureaus, Disclosure with Business Correspondent / Business Facilitator (BC/BF),Disclosure in Bankers’ Interest.
Pledge, Hypothecation, Mortgage, Simple Mortgage, Mortgage through Conditional Sale, Usufructuary Mortgage, English Mortgage, Equitable Mortgage / Mortgage by Deposit of Title Deeds, Anomalous Mortgage
Module 4: NPA and Asset Reconstruction
Non-Performing Assets, NPA Categories, Sub-Standard Assets, Doubtful Assets, Loss Assets, NPA Provisioning Norms, Loss Assets, Doubtful Assets, Sub-standard Assets, Standard Assets, SARFAESI Act, Securitization, Asset Re-construction, Enforcement of Security Interest, Central Registry, Resolution of Disputes, Debt Recovery Tribunal (DRT),Appellate Tribunal.
Module 5: Bank’s Financials and Financial Inclusion
Balance Sheet, Profit and Loss Account, and other Financial Statements of Banks, CAMELS Framework, BASEL Framework: Basel Accords, Bank for International Settlements (BIS), Financial Inclusion: Meaning, Characteristics, and Need.
Interpret the significance of foreign and private banks in India
Determine the corporate governance practices in auditing and finances prevailing in the banking sector
Compare the various non-resident and joint accounts based on interest rates, terms of maturity and tax impact
Judge the adequacy of disclosure requirements in banking regulations and guidelines
Measure the NPAs under different categories for banks as per provisions given by RBI
Elaborate the roles and responsibilities of BIS
Calculate the capital adequacy ratio and risks using the BASEL Accord guidelines
Who Should Attend?
Bachelor of Business Administration
Bachelor of Commerce
Master of Business Administration
Master of Commerce
Accounts and Finance Manager
Chief Financial Officer
After completing this course and successfully passing the certification examination, the student will be awarded the “Certificate in Banking System” certification.
If a learner chooses not to take up the examination, they will still get a 'Participation Certificate'.
Frequently Asked Questions
Course Features :
Mode Of Delivery:
Valid for 6 months post activation