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Table Of Contents

INVESTMENT POLICY OF BANKS
BALANCE SHEET OF THE BANK
Balance Sheet of the Bank
Liabilities
Assets
CREDIT CREATION
Basis of Credit Creation
Process of Credit Creation
Leaf and Cannon Criticism
Limitation on Credit Creation
UNIT BANKING VS BRANCH BANKING
A. Unit Banking
B. Branch Banking System
COMMERCIAL BANKS AND ECONOMIC DEVELOPMENT
Conclusion
Meaning of Central Bank
Definition of Central Bank
Functions of the Central Bank
CREDIT CONTROL
Objectives of Credit Control
Methods of Credit Control
Theory of Bank Rate
Working of Bank Rate
The Process of Bank Rate Influence
Bank Rate Under the Gold Standard
Conditions for the Success of the Bank Rate Policy
Limitations
Theory of Open Market Operations
Objectives of Open Market Operations
Conditions for the Success of Open Market Operations
Popularity of Open Market Operations
A. Variable Cash Reserve Ratio
B. Theory of Variable Reserve Ratio
Working of Variable Reserve Ratio
Selective or Qualitative Methods
Objectives
Measures of Selective Credit Control
Functions of the Reserve Bank
Weapons of Credit Control
METHODS OF SELECTIVE CREDIT CONTROLS ADOPTED BY RESERVE BANK
Limitations of Selective Controls in India
MONETARY POLICY OF THE RESERVE BANK OF INDIA
Reserve Bank of India and Monetary Controls
Limitations of Monetary Policy
Chakravarthy Report on the Working of the Monetary System
The Narasimham Committee Report (1991)
Recommendations of the Committee
The Goiporia Committee Report (1991)
Recommendations of Goiporia Committee
The Narasimham Committee Report (1998)
ROLE OF RBI IN ECONOMIC DEVELOPMENT
Contribution to Economic Development
Management
Functions
Role of the State Bank in Economic Development
Money Market
Functions of Money Market
Composition of the Money Market
Financial Institutions of the Money Market
Characteristics of a Developed Money Market
Usefulness of a Developed Money Market
Structure of the Money Market
Characteristics of Indian Money Market
Defects of Indian Money Market
Measures for Improvement of the Money Market
Suggestions to Remove Defects in the Indian Money Market
The Repo Market
The Commercial Bill Market
The Certificate of Deposit (CD) Market
The Commercial Paper Market
Money Market Mutual Funds
Capital Market
Classification of Indian Capital Market
Importance of Capital Market
Functions of Capital Market
Structure of Indian Capital Market
Components of Indian Capital Market
Recent Trends in the Capital Market
Comparison of Money Market and Capital Market
1. Indigenous Banks
Groups
Types
Functions of Indigenous Bankers
Defects of Indigenous Bankers
Indigenous Bankers and the Reserve Bank
Suggestions for Reform
2. Moneylenders
Features of Moneylenders
Differences Between Moneylenders and Indigenous Bankers
Defects of Moneylenders
3. Co-operative Banks
Structure of Co-operative Banks
Progress of PACS
Shortfalls PACS
Progress of CCBs
Defects of CCBs
Defects
Progress
Present Position of Co-operative Banks
Importance or Benefits of Co-operative Banks
Problems or Weaknesses of Co-operative Banks
Suggestions for the Improvement of the Co-operative Credit Structure
4. Land Development Bank
Sources of Funds
The Working of the LDBs
Suggestions for Improvement
5. Regional Rural Banks
Objectives of Regional Rural Banks
Capital Structure
Features of Regional Rural Banks
Functions of Regional Rural Banks
Progress Achieved by Regional Rural Banks
Problems
Suggestions for Reorganisation and Improvement
6. NABARD
NABARD’s Financial Resources
Functions of NABARD
Achievements of NABARD
7. Commercial Banks
Nationalisation of Banks
Achievements of Nationalised Banks
8. Credit Cards
Advantages of Credit Cards
Limitations or Drawbacks of Credit Cards
Features
Important Development Banks in India
1. Industrial Finance Corporation of India Ltd
Functions of the IFCI
Financial Resources of IFCI
Lending Operations of IFCI
Appraisal of IFCI’s Performance
2. The Industrial Credit and Investment Corporation of India Ltd
Financial Resources of ICICI
Lending Operations of ICICI
Appraisal of ICICI’s Performance
3. State Financial Corporations
4. The Industrial Development Bank of India
Financial Resources of IDBI
Cumulative Assistance by IDBI
Composition of Financial Assistance
Promotional Functions of the IDBI
Critical Appraisal
5. Small Industries Development Bank of India
Financial Resources of SIDBI
Financial Assistance by SIDBI
6. The Industrial Reconstruction Bank of India (IRBI)
8. Unit Trust of India
Present Position
9. Life Insurance Corporation of India (LIC)
10. The Export-Import Bank of India (EXIM Bank)
Functions of the EXIM Bank
Meaning and Definition of a Banker
Meaning and Definition of a Customer
Special Types of Customers
Legal Provisions Regarding Guardianship of a Minor
The Banker-Customer Relationship
A. General relationship, and B. Special relationship
1. Primary Relationship
2. Secondary Relationship
Obligations of Bankers
1. Obligation to Honour the Customer’s Cheques
2. Obligation to Maintain Secrecy of Customer’s Account
3. Obligation to Receive Cheques and Other Instruments for Collection
4. Obligation to Give Reasonable Notice before Closing the Account
Obligations of Customers
Types of Accounts
Procedure of Opening Current and Savings Accounts
Forms Used in Operation of Bank Account
Closing of a Bank Account
Insurance of Bank Deposit
Deposit Insurance and Credit Guarantee Corporation (DICGC)
Credit Guarantee Function
Nomination Facility
Non-Resident Account
Recent Development
Meaning of Pass Book
Object or Purpose of Pass Book
Statement of Account
Examination of Entries
Legal Position of Entries in the Pass Book
Effect of Entries in the Pass Book
Precautions in Writing a Pass Book
Special Crossing
Other Types of Crossing
Significance of Crossing
ENDORSEMENT
Definition of Endorsement
Essentials of a Valid Endorsement
Kinds of Endorsement
Legal Effects of an Endorsement
Differences between a Bill of Exchange and Cheque
Distinguish Between a Cheque and a Promissory Note
HOLDER AND HOLDER IN DUE COURSE
Holder
Holder in Due Course
Privileges of a Holder in Due Course
Distinction between Holder and Holder in Due Course
Precautions for Payment of Cheques
Precautions
Statutory Protection
Protection Available Under the Negotiable Instruments Act
Dishonour of Cheques
When a Banker can Dishonour Cheques
Bank’s Remarks on Dishonoured Cheques
Collecting Banker as Holder for Value
Collecting Banker as an Agent of the Customer
Conversion
Statutory Protection to Collecting Banker
Duties and Responsibilities of a Collecting Banker
Marking of Cheque
Who Can Get the Cheque Marked?
General Rules of Sound Lending
Forms of Lending (Advances)
Merits of Granting Loans
Demerits
Merits of Cash Credit
Distinction between Loan and Cash Credit
Distinction between Cash Credit and Overdraft
Types of Loans and Advances
Determining Creditworthiness
Sources of Credit Information
Characteristics of Good Security
General Principles of Secured Advances
Types of Securities on which Loans or Advances can be Granted
C. Advances Against Stock Exchange Securities
Merits of Advances Against Stock Exchange Securities
Risks in Advancing Against Securities
Precautions to be Taken in Advancing Against Securities
Precautions in Advancing Against Real Estate
Merits of Life Insurance Policy as a Security
Demerits of Policies as Securities
Precautions in Advancing Against LIC Policies
Precautions in Advancing Against Fixed Deposit Receipt
Precautions in Advancing Against Book Debts
Modes of Creating Charge
MODES OF CREATING CHARGE
Difference between Pledge and Lien
Who can Pledge the Goods?
Right and Obligations of Pledger
Rights
Obligations (Duties)
Right and Obligations of Pledgee or Pawnee
Obligation and Duties of Pledgee
Essential Features of a Mortgage
Types of Mortgages
Legal and Equitable Mortgage
Merits of Equitable Mortgage over the Legal Mortgage
Demerits of Equitable Mortgage over the Legal Mortgage
Rights of Mortgager
Rights of Mortgagee (Banker)
Precautions to be Taken by a Banker in Case of Lending Against Hypothecation
Necessity for Bank Guarantee
Essentials of a Valid Guarantee
Kinds of Guarantees
Contract of Guarantee
Purpose of the Contract
Contract of Indemnity
Parties to Indemnity
Analysis of the Definition
Difference between Contract of Guarantee and a Contract of Indemnity
Rights of the Surety
Liability of the Surety
Rights of the Banker
Liabilities of the Banker (Obligation)
Merits and Demerits of Guarantee
Merits of Guarantee
Demerits of Guarantee
Precautions to be Taken by the Banker in a Contract of Guarantee
Types of Letters of Credit
Types of Letters of Credti
I. Travellers’ Letter of Credit
II. Commercial Letter of Credit
Types of Letters of Commercial Credit
Opening a Letter of Credit
ADVANTAGES OF LETTER OF CREDIT
Advantages to the Exporter
Advantages to the Importer
Salient Features of Bank’s Accounts
Books of Account (Section 209)
Books shall Give a True and Fair View
Persons Responsible to Keep the Books
Inspection of Books of Account
Books to be Maintained
Preparation of Balance Sheet and Profit and Loss Account (Sec. 47)
Form of Balance Sheet and Profit and Loss Account
Signing of Balance Sheet and Profit and Loss Account
Audit of Bank Accounts
Audit of Accounts (Section 30)
Publication and Filing of Accounts (Section 30)
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39613060-Banking

39613060-Banking

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Published by Sourav Kumar Ram

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Published by: Sourav Kumar Ram on Nov 21, 2010
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11/07/2011

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