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Banking Problems, Rationales and Situation Analysis (Based on recent examinations held in Various Banks in India)

Banking Problems, Rationales and Situation Analysis (Based on recent examinations held in Various Banks in India)

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Description
Over the years, the banking practices have acquired as much prominence and relevance as the banking related laws, in day to day banking. In the process of transacting banking business, the bankers have to ensure compliance with the provisions of various laws enacted in India, instructions issued by RBI or Govt. and procedures framed by their HOs. It has been observed that many bank functionaries lack clarity about many legal requirements & RBI directives. During our interaction with a large number of bank employees, they have suggested that there is need to come out with a handbook which should provide information on practical aspects of banking by covering, the banking rationales and problems for select banking aspects, so that the bankers could make use of such information in their day to day working and also face the examination of Indian Institute of Bankers as well as their internal career enhancement examinations. In deference to the wishes of bankers aspiring for bank promotions or success in JAIIB or CAIIB examination, we had prepared this volume containing a large no. of banking problems and  rationales, during the year 2002 for the first time which found useful by the readers. This is the 6th edition of the book with thorough revision of banking rationales and problems which are based more on the feed back we received from the readers and on the pattern of questions in the recent examinations. In addition we are including various day to day banking situations, their analysis and decisions on such situations in the form of Chapter Situation Analysis.
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Contents
Unit 1 - Banking Law & Practice
1.    Reserve Bank of India
2.    Negotiable Instruments  
3.    Holder  
4.    Holder in due course  
5.    Promissory note  
6.    Bill of exchanges  
7.    Cheque  
8.    Negotiation/endorsement  
9.    Crossing  
10.    Payment of cheque  
11.  Collection of cheque  
12.  Material alteration  
13.  Dishonour of cheques  
14.  Rationales on Negotiable Instruments  
15.  Banking problems on Negotiable Instrmts
16.  Demand Drafts & rationales on DD  
17.  Wire Transactions  
18.  Rationales on operations in accounts  
19.  Banker Customer Relationship  
20.  Right of Lien  
21.  Right of Set-off  
22.  Rationales/problem on lien & set-off  
23.  Garnishee order  
24.  Attachment order  
25.  Rationales on Garnishee/Attachment order
26.  Minor as customers  
27.  Partnership Firms  
28.  Joint stock companies  
29.  Hindu Undivided family  
30.  Trust Account  
31.  Society & Clubs  
32.  Executors/ administrators / insolvent  
33.  Joint accounts  
34.  Power of Attorney & Mandate  
35.  Deceased customer's account  
36.  Term deposit accounts  
37.  Photograph in deposit accounts  
38.  Customer-Service : Goiporia Committee  
39.  Banking Ombudsman  
40.  Consumer Protection Act  
41.  Know Your Guidelines  
42.  Money Laundering
43.  Nomination
44.  Tax Deduction at Source, BCTT, Service Ta:
45.  Senior Citizen's Saving Scheme
46.  Lockers
47.  Currency, Counterfeit Notes
48.  Fraud Reporting
49.  Deposit Insurance
50.  Misc. Rationales
51.  Reserve Bank of India
52.  Banking Regulation Act 1949
Unit 2 - Bank Credit: General/Priority Sector
1.     Monetary policy & MPC
2.    Cash Reserve Ratio
3.    Statutory Liquidity Ratio
4.    Loan system of credit delivery
5.    Exposure ceiling
6.    BPLR, Bank Rate, Consortium Advance
7.    Basic principles of lending
8.    Working capital finance
9.    Project Appraisal
10.  Non-Fund Based facilities (BG)
11.  Letter of Credit & UCPDC-600
12.  3rd party Guarantee
13.  Different types of charges on Securities
14.  Mortgages
15.  Loan documentation
16.  Limitation of loan documents
17.  Non-performing Advances
18.  Willful Loan defaulters
19.  SARFAESI Act 2002
20.  Corporate Debt Restructuring
21.  Sale/purchase of NPAs
22.  Debt Recovery Tribunals
23.  Asset Reconstruction Companies
24.  LokAdalt
25.  Rationales on NPAs
26.  Priority Sector Advances
27.  Weaker Section  
28.  Priority Sector Targets  
29.  Shortfall in target achievement  
30.  Common guidelines for PS advances  
31.  Education Loan scheme  
32.  Micro Finance (Self Help Groups)  
33.  Credit to Minority communities  
34.  Finance for Micro, Small & medium Entrp 
35.  Credit Guarantee Fund for MSE  
36.  National Equity Fund 
37.  Laghu Udhami & Swairozgar Credit cards 
38.  Kissan Credit & General credit cards  
39.  Classification of PS Advances  
40.  Govt. Sponsored Schemes  
41.  Rationale on priority sector advances  
Unit 3 - Foreign Exchange
1.    FEMA 1999  
2.    Liberalized Remittance Scheme
3.    Exchange Rate system  
4.    Foreign Currency Rates
5.    International Commercial Terms
6.    Exports from India
7.    Export Credit  
8.    Gold Card for Exporters
9.    Interest on Export Credit
10.    Imports in to India
11.    Foreign Currency Deposit Accounts
12.    Forex Rationales 
Unit 4 - Financial Developments
1    Basel 3 norms
2    On-tap licensing of Universal Banking
3    Payment Banks
4    Small Finance Banks
3    Banking supervision
4    Risk Management
5    Asset Liability Management
6    Business Facilitators / Correspondents
7    Financial Literacy
8    Insurance Business
9    Universal Banking
10    Narrow Banking
11    Retail Banking
12    Cross Selling
13    Money Market
14    Call Money/notice money
15    Treasury Bills/dated securities
16    Ways & Means advances
17    Liquidity Adjustment Facility
15    Marginal Standing Facility
19    Certificate of deposit
20    Commercial Paper
21    Derivatives
22    Options
23    Asset securitization & Factoring
24    Factoring
25    Capital Markets in India
26    Mutual Funds
27       Depository System
28       Capital market terms
29       Right to Information Act
30       Rationales on Financial developments
31       Electronic Banking/RTGS
32       NEFT
33       Cheque Truncation
34       Nepal Remittance Scheme
35       Automated Teller machine
36       Money transfer service scheme
37       Core Banking Solution
Unit 5 - Situation Analysis
1.    Situations and decision making 
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Author Details
N.S. Toor, M.Com., LL.B., M.A., CAIIB., Editor-in-Chief - Banking Events Update (A monthly News-magazine on banking), Director - Institute of Banking Career & Studies, formerly, Chief Manager (Corporate Credit), Punjab National Bank, HO, New Delhi
Arundeep Toor, Master in Professional Accounting, University of Southern Queensland, Sydney Australia, Associate Editor – Banking Events update Chandigarh.
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