This course covers the banking structure consisting of commercial banks and other financial institutions regulated by the Res...
Mode Of Delivery
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.
Who Should Attend?
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'.