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FLIP SMART BANKER PROGRAM

Chapter

Topic The world of banking & finance Money & Interest

Coverage

Recommended Study Hours

Introduction

Instruments, markets, players Money, Concept of Interest, Simple interest, Compound interest, Inflation Concept of Accounting, Concept of Business and its Classification, Understanding the Accounting Process, What is Debit & Credit from a Bank's POV; a bank's GL. Profit & Loss Statement, Balance Sheet, Cash Flow, Live Examples The Structure of a Bank, specialized divisions and support functions. Key Banking Laws, Banking codes of conduct KYC and AML guidelines An Overview of Technology in Banking, Core Banking Solutions (CBS)

Key Concepts

Accounting

Financial Statements The Banking Business Banking Regulatory Compliances Banker & Customer Technology in Banking

3 5

Banking Business

This end's the first part, which is an overview of concepts and a big picture of the bank. We now move on, in more details, to Retail Banking. Retail Banking Introduction Deposit Products Structure & functions of the Retail Banking Unit Deposit products: CASA, Term deposits 1 2

Retail BankingLiabilities

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Ownership of Deposit accounts SB account: Types, eligibility, KYC requirement, concept of savings account portability Current Account: Types, eligibility, KYC requirement FD/ RD: Types, eligibility, KYC requirement Opening an FD Extension of FD Finacle Process and Simulation FD getting closed before maturity Lien marking the FD Opening of a RD and Standing Instructions Printing of FD receipt NR Accounts Interest Account Collateral NRO, NRE, FCNR, RFC Types of Interest and its calculations Understanding of the collateral that comes with an account Teller functions Cash Handling cash Fake and Mutilated Notes ATM cash Cash opening and closing Transfer of cash between branch and Chest Transactions Finacle Process and Simulation Payment of cash with a self cheque. Cash Deposit by a customer in his account. Cash deposit for new accounts\TD\DD Clearing Cheques Introduction to Payment Systems, Concept & Terms What is a cheque, various features of a cheque. 2 3 10 3 1 2 4 2 2 1 10 3

5 4

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Cheque Clearing Cheque Clearing Cheque transfer from customers wife account to his own account Finacle Process and Simulation NEFT transaction by a customer from his account RTGS of 10 Lakh from a current account by a third party. Electronic Payments NEFT, RTGS, ECS Understanding the functions & structure of channels Customer queries related to Channels Branch Inventory Account Servicing and Modifications DD \PO \FD Update and changes in the account Saving Account Change of Address Change of Email address Change of phone number Updating Pan card Addition of nominee in the customer account. Customer Servicing Finacle Process and Simulation Change of signature on the account Change of account status from inactive to Active Change of dispatch mode of statement from E statement to Physical Mode. Registration of mobile banking Closure of account Customer & Bank induced 1 25 3 2 3 1 4 5 2

Channels Channels

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Upfront Revenue Products Other products fee based. Proprietary: LC, BG, CMS, Trade Finance, Payment cards; Commission on DD, Pay order, Cash transactions, Anywhere banking fees, locker etc. Life Insurance, general insurance MF, Gold Trade finance products Trade desk Trade and Forex Retail Forex Process flow for each, Documentation for each Buying & Selling of currencies, travel cards, travelers' cheque Guidelines and documentation Retail Assets Retail Assets Loans OTC Products Documentation 3

Third Party Products

4 3 2 2 1 4 6 2

This end's the Second part, covering all products and processes in a Retail Bank. We conclude with some 'Tools of the Trade' that an officer needs, in the last section Basics of Excel, managing data, calculations and formulae Corporate grooming and etiquette, effective communication, Guidelines on customer interaction, Basics of selling skills Basics of spic and span, Ownership of workplace Total Study Hours

Excel Basics Soft skills and basic guidelines on customer interaction Managing your work place,

Tool's for the officer

4 170

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