Bank Management

• Indian Financial System
• Characteristics Of Financial Markets
• Regulatory Structure Of The Indian Financial System
• Bank Market Structure In India
• Bank Definition
• Nature Of Banks
• Functions Of Commercial Banks
• Risk Management-Bank Functions

Repo

• Call Money
• Call Money Market
• Treasury Bills
• What Is Auction Of Securities
• Debenture
• Difference Between Debenture And Bond
• Current Yield
• Primary Dealers
• Open Market Operations

LIBOR

• TT Buying Rate
• Bills Buying Rate
• Base I to II
• Base II Framework
• The Capital And Assets
• Credit Risk
• Standardized Approach
• Risk Weight For Assets
• Foundation IRB Approach

Indian –Banking An Overview

• Classification Of Banks
• Public Sector Banks
• Objectives And Functions Of RBI
• Maintain Exchange Stability
• Banker’s Bank
• Government Banker
• Development Function
• Consumer Centric Function

Instruments Of Monetary Policy

• Open Market Operations
• Bank Rate
• Repo Rate And Reverse Repo Rate
• Variable Reserve Ratios
• Direct Credit Allocation
• Credit Rationing
• Selective Credit Control
• Moral Suasion

Banking Types

• Unit Banking
• Chain Banking
• On The Basis Of Function
• Deposit Banking
• Investment Banking
• Mixed Banking
• Functions Of Commercial Banks
• Primary Function
• Acceptance Of Deposits
• Giving Loans And Advances
• Clearing And Settlement System
• Secondary Function
• Agency Service
• General Utility Services

International & Multinational Banking

• Wholesale Banking
• Retail Banking
• Universal Banking
• Multinational Bank –Citi Bank , SCB
• Cost And Benefits Of International Banking

Efficiency Of Commercial Banks

• Background
• Efficiency Of Indian Commercial Banks
• Parameters Of Measuring Efficiency In India

Performing Asset

• Non Performing Asset
• Overdue
• Out Of Order
• Classification Of NPA’s
• Gross NPA
• Net NPA
• Why Loan Accounts Goes Bad ?
• Impact Of NPA
• How To Prevent ?

Performing Indicators Of Commercial Banks

• CAMELS Rating
• CAMELS ratings are assigned On A Scale Of 1 To 5
• Efficiency And Expense Control Ratios
• Operating Efficiency
• Cost Of Funds
• Efficiency Ratio
• Overhead Efficiency Ratios
• Liquidity Ratios
• Demand to Time Deposit
• Demand Deposit Ratios
• Non – Depositing Borrowing Ratio
• Credit Asset Ratio
• SLR Investment TO Total Investment Ratio
• Ratios For Risk
• Equity ratio
• Net NPA To Asset Ratio
• Net NPA To Equity Ratio

Steps In Credit Analysis

• Building The “Credit File “
• Project And Financial Appraisal
• Qualitative Analysis
• Due Diligence
• Risk Assessment
• Making The Recommendation

Securities

• Pledge
• Hypothecation
• Assignment
• Lien
• Mortgage
• Bankers Right
• Garnishee Order
• Right Of Appropriation

E- Payment System And Electronic Banking

• Benefits OF Electronic Banking
• Electronic Clearing Services
• ECS Debit
• Plastic Money And E-money

Components Of Bank Balance Sheet

• Liabilities
• Capital
• Reserve And Surplus
• Deposits
• Borrowings
• Other Liabilities
• Assets
• Cash And Balance With RBI
• With Banks And Money At call And Short Notices
• Investments
• Advances
• Fixed Assets
• Other Assets

Profit And Loss A/c

• Components Of Income
• Interest Earned
• Other Income
• Components Of Expense
• Interest Expended
• Operating Expenses