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Why should one take this course?

  • To learn the fundamentals of banking.
  • To improve one’s awareness of the policies and practices in the Indian banking sector.
  • To be familiar with banking services available in India.

Who will benefit from this course?

  • Students aspiring for banking as a career
  • Bankers
  • Employees of Call Centres / BPOs of Banks
  • Teachers of financial courses
  • Anybody having interest in the area of banking

 

Commercial Banking Syllabus

 

Introduction

Definition of banks, Evolution of Commercial Banks in India, Functions of Commercial
Banks, Competitive Landscape of Banks in India

Banking Structure in India

Banking Structure in India, Role of RBI vis-‘-vis other commercial banks

Bank Deposit Accounts

Introduction to Bank Deposits, Types of Deposit Accounts, Strategies of mobilizing deposits, and Common guidelines of opening and operating accounts, deposit-related services, Deposit services offered to Non-Resident Indians, Deposit Insurance

Basics of Bank Lending

Principles of Lending and Loan Policy, Basics of loan appraisal Credit decision-making and Review, Types of Advances, Management of Non-Performing Assets

Bank Investments

Investment Policy, Statutory Reserve Requirements, Non-SLR Requirements, Banks’ Investment Classification and Valuation Norms

Other Activities of Commercial Banks

Other Basic Banking activities, Para -banking Activities

Relationship between Banks and Customers

Strategy for expanding customer base, services to different customer groups, competition among banks for customers, customer relationship management, Banking Options budsman Scheme, Know Your Customer (KYC) norms Evolving Trends in Modern Banking
Technology, Outsourcing of Non-core Activities, Financial Inclusion