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 a 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, HimalayaPublishingHouse, 2010 4) Banking Theory and Practice, Natarajan & Gordon, HimalayaPublishingHouse, 2011
Text Book:
1) Banking Law and Practice - S.N.Maheswari – Kalyani Publishers, 2012.