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Banking System
Categories:
Finance
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Description
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.

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

  • 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

Job Prospects

  • Accounts and Finance Manager
  • Chief Financial Officer
  • Accounts Officer
  • Finance Executive
  • Financial Controller

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'.


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