Curriculum
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.
Learning Outcomes
Who Should Attend?
Job Prospects
Certification
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'.