indian institute of banking & finance jaiib module (a & b) principles of banking saturday,...
TRANSCRIPT
INDIAN INSTITUTE OF BANKING & FINANCE
JAIIB
MODULE (A & B)
PRINCIPLES OF BANKING
Saturday, 19 November, 2005
T M C [email protected]
RBI’s Major Functions
• Supervisory & Regulatory
• Promotional & Developmental
• Refinance Activities
RBI’s Major Functions
• Supervisory & Regulatory
• Promotional & Developmental
• Refinance Activities
RBI’s Major Functions
SUPERVISORY & REGULATORY
IS S U A N C EO F
C U R R E N C YN O TE S
C R E D ITC O N TR O L
E X C H A N G EC O N TR O L
TR A N S F E RO F F U N D S
RBI’s Major Functions
• Supervisory & Regulatory
• Promotional & Developmental
• Refinance Activities
RBI’s Major Functions
PROMOTIONAL & DEVELOPMENTAL
B an ker toG overn m en t
B an ker toB an kers
E xp orts
In d u s try
A g ricu ltu re
F in an ce Tra in in g
RBI’s Major Functions
• Supervisory & Regulatory
• Promotional & Developmental
• Refinance Activities
RBI’s Major Functions
REFINANCE ACTIVITIES
L E N D E R O F L A S T R E S O R T R E F IN A N C E O P E R A TIO N S
BANKER - CUSTOMER RELATIONSHIP
• Definition
• Rights & Obligations
• Deposit Accounts
• Loan Accounts
BANKER - CUSTOMER RELATIONSHIP
• Definition
• Rights & Obligations
• Deposit Accounts
• Loan Accounts
BANKER - CUSTOMER RELATIONSHIP
Deposit Accounts
C U R R E N T
S A V IN G S
D E M A N D
F IX E D
C U M U L A TIV E
R E C U R R IN G
TE R M
C E R TIF IC A TE O F D E P O S IT
F L E X I-D E P O S IT
O TH E R S
BANKER - CUSTOMER RELATIONSHIP
• Definition
• Rights & Obligations
• Deposit Accounts
• Loan Accounts
BANKER - CUSTOMER RELATIONSHIP
Loan Accounts
W O R K IN G C A P ITA L F IN A N C E
C A S H C R E D IT
O V E R D R A F T
D E M A N D
F IX E D
R E TA IL
C O N S U M E R
H O M E L O A N
TE R M
N O N -F U N D B A S E D F IN A N C E
B IL L S F IN A N C E
O TH E R S
NEGOTIABLE INSTRUMENTS
TYPES
D E M A N D U S A N C E
P R O M IS S O R Y N O TE S
B E A R E R O R D E R
C R O S S E D U N C R O S S E D
C H E Q U E S
S IG H T U S A N C E
B IL L S O F E X C H A N G E
NEGOTIABLE INSTRUMENTS
BANKER’S DUTIES & RESPONSIBILITIES
A P P A R E N T TE N O R P A Y M E N T IN G O O D F A ITH W ITH O U T N E G L IG E N C E
P A Y M E N T IN D U E C O U R S E
P A Y M E N T O F C H E Q U E S
C O N S ID E R A TIO N B E F O R E M A TU R ITY TITL E
H O L D E R IN D U E C O U R S E
C O L L E C TIO N O F C H E Q U E S
5 C’s for Credit Appraisal
• CHARACTER
• CAPITAL
• CAPACITY
• COLLATERAL
• CONDITION
FINANCIAL SERVICES
• Objectives
• Markets
• Instruments
• Regulatory
FINANCIAL SERVICES
• Objectives
• Markets & Instruments
• Regulatory
FINANCIAL SERVICES
MARKETS & INSTRUMENTS
S E B I
C A P ITA L M A R K E T
R B I
M O N E Y M A R K E T
A M F I
M U TU A L F U N D S
IR D A
IN S U R A N C E
Recent Developments
• Banking and Technology
• Basel II Accord
• Universal Banking
