FULLY SOLVED BOOK LASY 5 YEARS PAPERS SOLVED PLUS GUESS

UNIT I OVERVIEW OF INDIAN BANKING SYSTEM 9
Overview of Indian Banking System, Functions of banks, key Acts governing the functioning of Indian
banking system – RBI Act 1934, Negotiable Instruments Act 1881, Banking Regulations Act 1948 –
Rights and obligations of a banker, Overview of Financial statement of banks – Balance sheet and
Income Statement.
UNIT II SOURCES AND APPLICATION OF BANK FUNDS 9
Capital adequacy, Deposits and non-deposit sources, Designing of deposit schemes and pricing of
deposit services, application of bank funds – Investments and Lending functions, Types of lending –
Fund based, non-fund based, asset based – Different types of loans and their features, Major
components of a typical loan policy document, Steps involved in Credit analysis, Credit delivery and
administration, Pricing of loans, Customer profitability analysis.
UNIT II CREDIT MONITORING AND RISK MANAGEMENT 9
Need for credit monitoring, Signals of borrowers‟ financial sickness, Financial distress prediction
models – Rehabilitation process, Risk management – Interest rate, liquidity, forex, credit, market,
operational and solvency risks – risk measurement process and mitigation, Basic understanding of
NPAs and ALM.
UNIT IV MERGERS, DIVERSIFICATION AND PERFORMANCE EVALUATION 9
Mergers and Diversification of banks into securities market, underwriting, Mutual funds and Insurance
business, Risks associated therewith. Performance analysis of banks – background factors, ratio
analysis and CAMELS.
UNIT V HIGH TECH E-BANKING 9
Payment system in India – Paper based, e-payments – Electronic banking – advantages – Plastic
money, E-money – Forecasting of cash demand at ATMs – Security threats in e-banking and RBI‟s
initiatives