603: Modern Banking
Practices
Marks: 80
Unit-I: 15
Bank- Definition,
Origin and Development of Modern Banking, Types of Banks- Commercial Vs.
Investment Bank- Universal Banking, Unit Banking, Scheduled Vs. Non- scheduled
Banks, Public Vs. Private Sector Banks, Branch Banking, retail banking and Chain
Banking, Functions of a Modern Commercial Banks.
Unit-II: 15
Bank Balance
Sheet: Bank Assets- cas, Money at Call and Short Notices, Investment, Bill
Discounted, Loans, and Cash Credit, Bills Receivables, Fixed Assets; Bank
Liabilities- Capital, Reserves and Surpluses, Deposits, Borrowings, Contingent
Liabilities, Bills for collection, Bills of Acceptance and Guarantee.
Unit-III: 15
Banker Customer Relationship-
Definition of banker and customer, types of customers, accounts of individuals-
minors, illiterate person, joint account; accounts of partnership firm and
companies; general precautions in opening and operating accounts.
Unit-IV: 20
Bank Operations:
Opening of a bank account, Know Your Customer guidelines, Negotiable Instruments(NIs)-
Definition, characteristics of NIs, types of NIs, holders in due course, payment
in due course, crossing of cheques, honour and dishonour of cheques; protection
to paying and collecting banker.
Unit-V: 15
Credit Management
- Principles of Bank Lending, Types of Loans,Retail Credit and Business Credit,
Credit Process , Recovery and NPA Management,Security against Bank Loan.
Suggested Books:
Commercial Bank
Management- Jagroop Singh, Kalyani Publishers.
Principles of
Banking- Indian Institute of Banking , Macmillan.
Basics of
Banking, Indian Institute of Banking, Taxmann.
Banking Theory
and Practice- K C Sekhar and L. Sehar, Vikas Publishing House
Principles of
Banking Management- Neelam C.Gulati, Excel Books.
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