Banking and Finance
01 EMERGING BANKING TRENDS
1 Modern day banking in India
2 Banking system reforms
3 Narasimham Committee-I (1st Phase of Reforms)
4 Narasimham Committee Report: 2nd
5 Prompt Corrective Action of RBI
6 Rating of banks by RBI
7 Consolidated Accounting by Banks
8 Money Laundering
9 Risk Management
10 Insurance Business by Banks
11 Bancassurance
12 Universal Banking
13 Narrow Banking
14 Asset-Liability Management
15 Capital adequacy in Indian Banks
16 Retail Banking
17 Corporate Governance in banks
18 Organisational Restructuring in Indian Banks
19 Autonomy for commercial Banks
20 Private sector bank guidelines
21 Local area banks
22 Terms used in analysis of Bank performance
23 Credit/Debit/ other Cards)
24 Money markets, instruments, institutions etc.
25 Money at call and short notice
26 Treasury Bills/Dated securities
27 Ways & means advances
28 Liquidity Adjustment Facility
29 Certificate of deposit
30 Commercial paper
31 Negotiated Dealing System
32 Clearing Corporation of India
33 Repurchase Options (REPOS)
34 Monetary and liquidity aggregates
35 Coupon rate
36 Non-bank Finance companies
37 Credit rating (CRISIL, CARE, IICRA),
38 Securitisation
39 Take-out financing
40 Factoring
41 Leasing
42 Venture Capital
43 Merchant banking
44 SEBI
45 Capital Market in India
46 Instruments of capital Market (Shares, Debentures, Bonds, Participatory notes, Zero Coupon Bonds, Index Linked Bonds, Secured Premium Notes, Warrants, Golden Share, Sweat Equity
47 Global/American Depository Receipts
48 Mutual funds
49 Mutual fund terms (glossary)
50 Insider trading
51 Capital market/merchant banking Glossary
52 Stock exchanges
53 National Stock Exchange/OTCE
54 Stock market indicies/Sensex
55 Dematerialisation
56 Book building
57 Important Committee on Banking-Summary
58 List of Committees on Banking
59 Important days in Banking history
02 INDUSTRIAL & CONVENTIONAL CREDIT
1 Monetary & Credit policy of RBI
2 Highlights of recent credit policy & Monetary policy
3 Loan system of delivery of bank credit
4 Credit syndication
5 Exposure limits & group approach
6 Credit Information Bureau
7 Liability of banks as lenders
8 Prime lending rate & Interest Rates
9 Bank rate
10 Infrastructure financing – Revised guidelines
11 Credit monitoring arrangement
12 Consortium Financing
13 Statutory liquidity ratio
14 Cash reserve ratio
15 Advances against selective credit control
16 Restrictions on loans by banks
17 Tandon Committee recommendations
18 Chore Committee recommendations
19 Credit Risk management
20 Prudential guidelines on NPAS (IRAC)
21 Willful defaults
22 National Company Law Tribunal
23 Securitisation / Enforcement of security Act 2002
24 Industrial sickness / rehabilitation
25 Rehabilitation of sick SSI units
26 Corporate Debt Restructuring (CDR) Forum
27 Debt Recovery Tribunals (DRTS)
28 Asset reconstruction company / fund (ARC)
29 Compromise settlement through Lok Adalt
30 Basic principles of Lending
31 Classification of securities
32 Features of good security
33 Margin, DP, Insurance of Securities
34 Pre-sanction appraisal
35 Working capital finance
36 Project appraisal & term loan sanctions
37 Non-fund based facilities
38 Guarantees
39 Letter of credit
40 Uniform Customs & Practices on Documentry Credits
41 Different kinds of loan accounts
42 Various kinds of securities for bank advances
43 RBI norms-advance against shares
44 Advances against Gold
45 3rd party guarantee as security for loans
46 Various kinds of charges on securities
47 Assignment / Mortgages
48 2nd charge creation on assets
49 Creation of charge in Company a/c
50 Loan documentation
51 Stamping of loan documents
52 Registration of loan documents
53 Limitation in credit facilities
03 PRIORITY SECTOR ADVANCES
1 Classification of priority sector
2 Weaker Section
3 National Goals
4 Common RBI guidelines for Priority Sector advances
5 Revised Education loan scheme
6 Differential Rate of Interest (DRI)
7 Rural infrastructure development fund
8 Micro financing and credit
9 Self Help Groups
10 Finance to Small Scale Industries
11 Operational guidelines – SSIS
12 Nayak Committee recommendations
13 Kapoor committee recommendations
14 Credit Guarantee Fund for SSI
15 Laghu Udhami Credit Card
16 National equity fund scheme
17 Credit Linked Capital subsidy scheme
18 KVIC Margin Money Scheme
19 Lead bank scheme
20 Service area approach
21 Rashtriya Krishi Bima Yojna
22 Strengthening of Credit delivery to women
23 Agriclinic & Agri Business Centres
24 General definitions relating to Priority Sector
04 BANKING LAW & PRACTICE
1 Reserve Bank of India – Functions
2 RBI Act 1934
3 Banking Regulation Act-1949
4 Negotiable instruments & NI Act:
-Negotiable instruments
-Holder
-Holder in due course
-Negotiation and endorsements
-Crossing
-Payment of cheques
– Material alteration
-Collection of cheques
-Dishonour of cheques
-Bills of exchange
-Amendments to NI Act
5 Summary of Important Sections of NI Act
6 Banker/customer relationship
7 Banker’s obligations
8 Disclosure of customer account information
9 Banker’s rights – Lien
10 Set off
11 Right of appropriation
12 Rule in Clayton’s case
13 Termination of relationship
14 Garnishee order
15 Attachment order
16 Contracts & Agreements (Contract Act 1872) (Contracts, Indemnity, Guarantee, Agency)
17 Important Sections of Indian Contract Act 1872
18 Important Section of Bankers’ Evidence Act 1891
19 Time norms in customer service
20 Immediate credit of instruments
21 Different types of customers
-Minors
-Partnership firms
-Joint Stock Companies
-Hindu undivided family
-Executors, Administrators, insolvents
– Liquidators/Receivers, Trusts
– Married women,
-Blind persons,
-society, club
-Agents,
-Insane
-Joint accounts
22 Grievances handling mechanism
23 Bank Ombudsman Scheme
24 Consumer Protection Act
25 Guidelines on Know Your Customer
26 IBA’s Banking Practices guidelines
27 Floating rate deposits
28 Accounts of deceased customers
29 Nomination facility & legal representation
30 Operations in accounts- Introduction in accounts – Passbooks/statement of account
31 Term deposit accounts
32 Photographs in deposit accounts
33 Staff Deposit accounts
34 Deposit Interest Rates – RBI Directives
35 Deduction of tax at source
36 Stop payment instructions
37 Standing instructions
38 Dormant accounts
39 Terms relating to deposit
40 Window dressing of deposits
41 Pension payments
42 Collection of taxes
43 Safe deposit vault
44 Cash management, Currency chest, repository
45 Indian currency, forged notes, soiled notes
46 Citizen’s charter for currency exchange
47 Preservation of Records/ Different kinds of Inspection
48 System of concurrent audit
49 Frauds in Banks
50 Permanent Account Numbers
51 Benami Transactions/Bank a/c no./IT returns
52 Deposit insurance
53 Banking abbreviations
05 FOREIGN EXCHANGE OPERATIONS
1 Foreign Exchange Management Act 2000
2 Foreign Exchange facilities for residents
3 Exim Policy
4 Off-shore Banking Units
5 EURO
6 Convertibility, Capital a/c convertibility
7 Special Export Zones
8 Exchange control regulations/Devaluation
9 Balance of Payment/Exchange Rate System
10 Determinants of exchange rates
11 Various kinds of exchange rates
12 Foreign exchange quotations
13 Major buying & selling rates
14 Currency Accounts (Nostr/Vostro/LORO)
15 Mirror A/c, Forward contracts
16 Trading, swaps, Arbitrage
17 Persons of Indian Origin
18 Important Terms in Foreign exchange
19 International Commercial (INCO) terms
20 Outward/inward remittances,
21 Forfaiting
22 Pre-shipment export credit
23 Post Shipment Finance
24 Imports into India
25 Export declaration forms & Returns
26 External Commercial Borrowing
27 Facilities to NRIs for investments in India
28 Summary of NRI deposit accounts
29 Summary of Forex currency Resident accounts