Handbook of Banking Information

Handbook<style=”text-align: justify”>‘HANDBOOK OF BANKING INFORMATION’ in its 44thEdition, is a book which covers all important aspects related to Indian banking system. The Chapters are (1) Latest banking issues (2) Credit operations of banks (3) Priority Sector lending in banks (4) Banking Law and Practice covering Various Acts and customer related issues such as KYC, Ombudsman etc. (5) Foreign Exchange Operations (6) Information Technology (7) Financial Statement Analysis (8) Economy related issues.  An update is available after every 6 months. It is being used as a reference book by large no. of readers in Indian banks.


CONTENTS

Chapter-1 : EMERGING BANKING TRENDS
• Basel III
• Pillar-2 Supervisory Review Process
• Pillar-3 Market Discipline
• Capital conservation buffer
• Leverage Ratio
• Liquidity Coverage Ratio
• Perpetual non-cumulative preference shares
• Perpetual debt instruments – Tier 1 capital
• Perpetual debt instruments – Tier 2 capital
• Financial conglomerates
• International Financial Reporting Standards
• Bank balance sheet disclosures
• New private sector banks’ guidelines
• Payment Banks
• Small Payment Banks
• Universal Banking & Narrow Banking
• Door step banking
• Islamic Banking and retail banking
• Banking Supervision & Rating of banks
• Bank Supervisory Colleges
• Prompt Corrective Action of RBI
• Best Practices Code
• Risk Management
• Asset-Liability Management
• Stress Testing in Banks
• Business process re-engineering
• Corporate Governance in banks
• Money Laundering
• Branch authorization policy
• Financial Inclusion
• PM Jan Dhan Yojna
• Business facilitators
• Business correspondents
• Ultra Small Branches
• Direct Benefit Transfer
• Financial Literacy
• Dividend Payment Policy
• Insurance Business by Banks
• Bancassurance
• Cross-selling
• Credit card Business
• Sub-prime Lending
• Money markets, instruments, institutions etc.
• Money at call and short notice
• Short selling in Govt. securities
• Bank investments
• Treasury Bills/Dated securities
• Cash management Bills
• Treasury Bills
• Cash Management Bills
• Dated securities
• Ways & means advances
• Liquidity Adjustment Facility
• Marginal Standing Facility (MSF)
• Term Repos under LAF
• Market Stablisation Scheme
• Certificate of deposit
• Commercial paper
• Non-convertible debentures
• Derivatives
• Options
• Futures, Forwards
• Swaps
• Interest Rate Futures (exchange traded)
• Currency Futures
• Credit default swaps
• Negotiated Dealing System
• Clearing Corporation of India/
• Collateralized Borrowing (CBLO)
• When issued transactions in Govt. Securities
• Non-bank Finance companies
• Infrastructure Companies
• Core Investment companies
• NBFC-MFIs
• Factor – NBFC
• Infrastructure Debt Funds-NBFC
• Non-operative Financial Holding Company
• Credit rating
• Asset Securitisation
• Take-out financing
• Factoring
• Forfaiting
• TReDS
• Leasing
• Venture Capital
• Merchant banking
• SEBI
• Capital Market in India
• Capital market instruments
• Rajiv Gandhi Equity Saving Scheme
• Foreign Direct Investment
• Foreign Portfolio Investment Scheme
• Indian Depository Receipts
• Qualified institutional Buyers
• Global/American Depository Receipts
• Exchange Traded currency options
• Participatory Notes
• Mutual funds
• Mutual fund terms (glossary)
• Depository System
• Dematerialisation
• Basic Services Demat Account
• Application Supported by Blocked A/cs
• Capital market/merchant banking Glossary
• Stock exchanges
• Sensex
• NIFTY
• Book building
• Banks as fund Managers
• Gold Exchange traded funds
• Real Estate Investment Trust
• Right to Information Act
• Bitcoin
• Corporate Social Responsibility
• BRICS Development Bank
• Forensic Audit
• Bharat Bill Payment System
• Terms used in bank financial analysis

Chapter-2 : CREDIT POLICY & LOAN DOCUMENTATION
• Annual Policy Statement of RBI
• Monetary Policy 2014-15
• Bank rate
• Credit Policy Decisions – Summary
• Commercial real estate exposure
• Capital Market exposure
• Infrastructure sector lending
• Floating provisions
• Cash Reserve Ratio
• Statutory Reserve Ratio
• Loans to Directors of Banks
• Bank exposure to capital market
• Loans against shares
• Loan System of Credit Delivery
• Credit syndication
• Exposure limits & group approach
• Restrictions on bank loans
• Selective Credit Control
• Exposure Norms for Banks
• Credit Information Companies
• Fair Practices code for banks as lenders
• Interest rates
• Base rate guidelines
• Consortium Financing
• Credit Risk management
• Non-performing Assets (Loans)
• Willful defaults
• Non-cooperative Borrowers
• SARFAESI Act 2002
• Central Registry provisions
• Restructured accounts – definition
• Corporate Debt Restructuring (CDR) Forum
• Restructuring for SME accounts
• Central Repository of Inform on Large Credit
• Revitilising NPAs – Framework
• Sale/purchase of NPAs
• Debt Recovery Tribunals (DRTs)
• Asset reconstruction company/fund (ARC)
• Lok Adalt
• Recovery agents
• Suit for recovery-procedure
• Restructuring of Loan accounts
• Basic principles of Lending
• Classification of securities
• Features of good security
• Margin, DP, Insurance
• Pre-sanction appraisal
• Working capital finance
• Project appraisal & term loan sanctions
• Net present value method
• Internal rate of return
• Non-fund based facilities
• Guarantees
• Letter of credit
• UCPDC – 600
• Guarantors
• Charges on securities
• Hypothecation
• Pledge
• Assignment
• Mortgage
• Reverse Mortgage
• Loan documentation
• Stamp duty on loan documents
• Registration of loan documents
• Limitation of loan documents

Chapter-3 : PRIORITY SECTOR LOANS
• Targets of priority sector
• Weaker section
• RIDF/SEDF – PS Loans Target Shortfall
• PS Loans – Common RBI guidelines for
• Education loan scheme
• Micro Credit
• Self Help Group (SHG)
• Joint Liability Group (JLG)
• Credit to Minority Communities
• Micro Finance Institutions
• Micro, Small & Medium Enterprises (SMEs)
• MSE- Operational guidelines
• Nayak Committee recommendations
• Bank’s code for MSEs
• Credit Guarantee Fund for MSE(CGTMSE)
• National equity fund scheme
• Laghu Udhami Credit Card
• Rehabilitation of Sick MSE
• Swairojgar Credit Card
• Weavers’ credit card
• Kissan Credit Card
• General Credit card
• Lead Bank
• Service area approach
• Rashtriya Krishi Bima Yojna
• Farmers’ Club Program – NABARD
• Agriclinic & Agri Business Centres
• Cyclical Credit Products for farmers
• Interest subvention – Agr Loans
• Interest subvention – Housing Loans
• Priority Sector- General definitions
• Credit Risk Fund Trust–Low income Housing
• Classification of Priority Sector Advances
• PMEGP
• National Rural Livelihood Mission
• National Urban Livelihood Mission
• Differential Rate of Interest (DRI)
• SRMS
Chapter-4 : BANKING LAW & PRACTICE
• Reserve Bank of India – Functions
• RBI Act 1934
• Banking Regulation Act-1949
• Scheduled bank
• Banking Laws (Amendment) Act 2012
• Negotiable instruments & NI Act:
• Negotiable instruments
• Holder
• Holder in due course
• Promissory Note
• Bill of Exchanges
• Cheque
• CTS 2010 Standards
• Endorsements of cheques
• Crossing of cheques
• Payment of cheques
• Collection of cheques
• -Material alteration
• Dishonour of cheques
• Demand draft
• Wire Transfers
• Important Sections of NI Act
• Banker/customer relationship
• Banker’s obligations
• Disclosure of customer account information
• Termination of relationship
• Lien
• Set off
• Right of appropriation
• Rule in Clayton’s case
• Garnishee order
• Attachment order
• Immediate credit of instruments
• Different types of customers
• Minors
• Partnership firms
• Limited Liability Partnership
• Joint Stock Companies
• Companies Act 2013 provisions
• Hindu undivided family
• Trust
• Societies & Clubs
• Executors, Administrators, insolvents
• Insolvent
• Liquidators/Receivers
• Persons with Mental disabilities
• Illiterates
• Blind persons
• Agents, power of attorney, mandate
• Joint accounts
• Deceased customers
• Missing person’s account settlement
• Grievances handling mechanism
• Bank Ombudsman Scheme
• Banking Codes & Standards Board
• Bank’s Code for Customer Service
• Customer related issues – Summary
• Consumer Protection Act
• Know Your Customer (KYC)
• Basic Saving Bank Deposit account
• IBA’s Banking Practices guidelines
• IBA’s model policy on bank deposits
• Nomination facility & legal representation
• Passbooks/statement of account
• Term deposit accounts
• Photographs in deposit accounts
• Aadhaar Enabled Bank accounts
• Deposit Interest Rates – RBI Directives
• Model Compensation policy of IBA
• Stop payment instructions
• Unclaimed/Dormant accounts
• Depositor Education & Awareness Fund
• Terms relating to deposit
• Sukannya Smridhi Account
• Senior Citizen’s Deposit Scheme
• National Saving Certificates (NSC)
• Kissan Vikas Patras
• PPF account
• Pension payments
• Commission on Govt. Business
• New Pension Scheme
• Swavalamban Scheme
• Lockers (Safe deposit vault)
• Indian currency, Currency chest, repository
• Currency chest reporting/penal interest
• Pre-2005 series bank notes
• Star Series Bank notes
• Counterfeit notes
• Clean note policy
• Preservation of Records
• Frauds and reporting of frauds
• Annual Information Return
• Deduction of tax at source
• Service Tax
• Permanent Account Numbers
• Deposit insurance
• Official Language

Chapter-5: FOREIGN EXCHANGE OPERATIONS
• Foreign Exchange Management Act 2000
• Residents, Non-residents, PIOs
• Current account transactions
• Capital account transactions
• Convertibility, Capital a/c convertibility
• Foreign Exchange facilities for residents
• Exchange control regulations
• Liberalised Remittance Scheme of RBI
• Exchange Rate System
• Exchange rates & quotations
• Swaps
• Arbitrage
• Foreign currency positions
• Currency Accounts (Nostro/Vostro/LORO)
• Mirror A/c
• Forward contracts
• International Commercial (INCO) terms
• Exports from India
• Dollar Diamond Accounts
• Export credit
• Export credit in Foreign currency
• Duty draw back advances
• Gold Card for exporters
• Interest rates on export credit
• Export declaration forms & Returns
• Export Credit Refinance Facility from RBI
• ECGC Policies
• Imports into India
• Suppliers’ credit
• Buyers’ credit
• External Commercial Borrowing
• Misc. Aspects of Foreign exchange
• Forex Returns
• Export Houses – categorisation
• FCNR accounts
• NRE Rupee account
• NRO account
• RFC / RFC-D account
• EEFC account
• Terms in Foreign exchange
• Global inter-bank offer rates

Chapter-6 : COMPUTERS & BANKING
• Computerization in Banks
• Payment and Settlement Systems Act 2007
• Real Time gross Settlement (RTGS)
• National Electronic Funds Transfer (NEFT)
• Adhaar enabled payment system
• Speed clearing
• Centralized funds management system
• Payment Codes – MICR, IFSC etc.
• Money Transfer Service Scheme
• Cheque Truncation System
• National Payment Corpn of India
• Nepal Remittance Scheme
• Automated Teller Machines
• White Lable ATMs
• Electronic Clearing Services
• MICR
• Mobile Banking
• Prepaid payment instruments
• Domestic Money Transfer
• Electronic Benefit Transfers
• Core Banking Solution
• Electronic Signatures
• Plastic Cards
• SWIFT
• SFMS,
• Computer Security
• Computer Audit
• Committees on Computerisation
• RBI’s Internet Banking guidelines
• Cyber Law – IT Act 2000
• Computers
• Computer Networking
• Computer Glossary

Chapter-7 : FINANCIAL STATEMENT/RATIO ANALYSIS
• Financial Statements
• Liabilities
• Assets
• Profit and loss account
• Ratio Analysis
• Funds Flow Statement
• Discounted cash flow ratios
• Break-even Analysis
• Cost, volume & Profit analysis
• Terms relating to financial analysis
• Summary of Ratio formulae
• Format of Balance sheet