Evolution of Banking Institutions – Commercial Banks: Classification of banks – Functions of Commercial Banks – Commercial Banking Principles – Social Responsibility of Banks – Sources and Employment of Commercial Banks’ Funds – Credit Creation – Banking Systems: Types – Indian Banking System.
Relationships between banker and customer – Ancillary Services of banker – Customers’ Deposit account – Special types of Bankers customers
Banks and Liquidity – Advances – Modes of charging the securities – Types of Securities – Purchasing and Discounting of bills – Letters of Credit.
Financing Exports – Priority Sector – Financing Agriculture – Financing Small Industries – Financing other activities and Borrowers – Venture Capital Scheme.
Business Credit needs – Bank Credit and Banking policy – Documentation – Follow-up Supervision and Control – Recovery of Advances – Frauds in Bank.
Reference Book:
1. Banking theory Law & Practice, Sundharam and Varshney, Sultan Chand & Sons., New Delhi. 2011 2. Banking Regulation Act, 1949. 3. Banking Theory and Practice, Reddy & Appanniah, Himalaya Publishing House, New Delhi, 2010 4. Banking Theory and Practice, Natarajan & Gordon, Himalaya Publishing House, New Delhi, 2011
Text Book:
1. Banking Law and Practice - S.N.Maheswari – Kalyani Publishers, New Delhi, 2012.