A Textbook on Fundamentals of Modern Banking BY New Central Book Agency (NCBA)

Name: A Textbook on Fundamentals of Modern Banking BY New Central Book Agency (NCBA) - Booksbp.com
SKU: 9788173816178
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SKU: 9788173816178

1. Structure of the Indian Financial System

Central Banking Authority: Explores the role of the Reserve Bank of India (RBI) as the apex monetary institution.
Commercial Banking: Examines public sector, private sector, and foreign banks operating within the country.
Cooperative & Rural Banks: Details regional rural banks (RRBs) and cooperative credit institutions supporting agriculture.
Development Financial Institutions: Outlines the functions of specialized bodies like SIDBI, NABARD, and EXIM Bank.

2. Core Functions of Commercial Banks

Mobility of Deposits: Analyzes the features of current, savings, fixed, and recurring deposit accounts.
Credit Deployment: Covers lending mechanisms such as cash credit, overdrafts, term loans, and bill discounting.
Agency & Utility Services: Details supplementary functions like fund transfers, locker facilities, and bancassurance.

3. Credit Management and Risk Assessment

Principles of Lending: Focuses on the core tenets of safety, liquidity, profitability, and diversity in deployment.
Asset Classification: Explains the categorization of bank assets into standard, sub-standard, doubtful, and loss assets.
Non-Performing Assets (NPAs): Identifies the root causes, operational impacts, and provisioning norms for bad loans.
Recovery Frameworks: Discusses legal recovery mechanisms including Lok Adalats, DRTs, and the SARFAESI Act.

4. Regulatory and Prudential Norms

Liquidity Ratios: Studies the implementation and impacts of the Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR).
Capital Adequacy: Breaks down the implementation of Basel I, II, and III accords to safeguard financial stability.
KYC and AML: Examines Know Your Customer frameworks and Anti-Money Laundering protocols designed to prevent fraud.

5. Modern Banking Technology

Core Banking Solutions: Looks at centralized data networks (CBS) that enable real-time, branchless banking operations.
Digital Payment Systems: Reviews the underlying architecture of NEFT, RTGS, IMPS, and the Unified Payments Interface (UPI).
Electronic Channels: Outlines security, convenience, and mechanics of internet banking, mobile banking, and ATMs.