Ncfm Exam Preparations: Commercial Banking Module

Master the essentials of banking, explore the evolving landscape, and gain insights into modern practices, regulations.

What you'll learn

Fundamentals of banking and its evolution.

The structure of the Indian banking system and the role of RBI.

Types of deposit accounts, lending principles, and investment strategies.

Modern banking practices, including financial inclusion and digital payments.

Customer relationship management and regulatory frameworks.

Requirements

A basic interest in banking and financial services. No prior knowledge of banking is required.

Description

Course IntroductionThe banking sector is the backbone of any economy, serving as a catalyst for financial growth and stability. This course offers an in-depth exploration of banking fundamentals, structures, and contemporary practices, providing learners with a holistic understanding of the field. Covering topics from deposit accounts and lending principles to modern banking trends and financial inclusion, this course is designed for anyone aspiring to excel in the dynamic world of banking.Section-wise WriteupSection 1: IntroductionThis section lays the foundation by defining banking, exploring its evolution, and detailing the core functions of commercial banks. It also highlights the competitive landscape within the banking industry, setting the stage for a deeper dive into its complexities.Section 2: Banking Structure in IndiaAn exploration of India's unique banking structure, including scheduled banks and the pivotal role of the Reserve Bank of India (RBI) in regulation and policy-making.Section 3: Bank Deposit AccountsThis section delves into the essentials of bank deposits, covering the types of deposit accounts, strategies for mobilizing deposits, guidelines for operation, and specialized services like NRI deposits and deposit insurance.Section 4: Basics of Bank LendingLearn the principles of lending, loan policies, credit stipulations, and the various types of advances offered by banks. Topics such as project and retail finance, SME loans, NPA classification, debt restructuring, and key regulations like the SARFAESI Act 2002 are comprehensively covered.Section 5: Bank InvestmentsGain insights into bank investments, including statutory reserve requirements, non-SLR investments, treasury management, and the RBI’s guidelines on investment classification and valuation norms.Section 6: Other Activities of Commercial BanksThis section explores the diverse services offered by commercial banks, such as foreign exchange, electronic payment systems, NRI remittances, merchant banking, and para-banking activities like mutual funds and pension funds.Section 7: Relationship Between Bank and CustomerUnderstand strategies for expanding the customer base, catering to different customer groups, and leveraging CRM techniques. The section also delves into the Banking Ombudsman Scheme and competition among banks.Section 8: Evolving Trends in Modern BankingDiscover the impact of technology on banking, outsourcing non-core activities, and RBI initiatives like financial inclusion, microcredit, and self-help groups (SHGs).Section 9: Question and AnswersThe course concludes with a comprehensive Q&A section to reinforce learning and clarify any doubts.ConclusionThis course equips learners with a comprehensive understanding of the banking sector. From traditional banking practices to modern innovations, participants will be prepared to excel in diverse roles within the industry.

Overview

Section 1: Introduction

Lecture 1 Introduction to the course

Lecture 2 Definition Of Banking

Lecture 3 Evolution Of Banking

Lecture 4 Functions Of Commercial Banks

Lecture 5 Competitive Landscape Of Banks

Section 2: Banking Structure In India

Lecture 6 Scheduled Banks In India

Lecture 7 Role Of Rbi

Section 3: Bank Deposit Accounts

Lecture 8 Introduction To Bank Deposits

Lecture 9 Types Of Deposit Accounts

Lecture 10 Strategies Of Mobilizing Deposits

Lecture 11 Guidelines of Deposit account

Lecture 12 Guidelines of Deposit account - Operation

Lecture 13 Deposit related services

Lecture 14 Other deposit related service

Lecture 15 Deposit service for NRI

Lecture 16 Deposit Insurance

Section 4: Basics of bank lending

Lecture 17 Principles of lending

Lecture 18 Loan policy 1

Lecture 19 Loan policy 2

Lecture 20 RBI gudielines- Credit stipulation and Capital adequacy

Lecture 21 Credit exposure limits

Lecture 22 Lending rates

Lecture 23 Fair practice codes for lenders

Lecture 24 Basics of loan appraisal

Lecture 25 Types of advances

Lecture 26 Working capital finance

Lecture 27 Project finance

Lecture 28 Loans to SME and rural areas

Lecture 29 Directed lending

Lecture 30 Retail loans

Lecture 31 Classification of NPA

Lecture 32 Debt restructuring and other recovery options

Lecture 33 SARFAESI act 2002

Section 5: Bank Investments

Lecture 34 Introduction to bank investments

Lecture 35 Investment policy

Lecture 36 Statutory reserve requirements

Lecture 37 Non SLR investments and RBI guidelines

Lecture 38 Statutory prescriptions

Lecture 39 Investment classification and valuation norms

Lecture 40 Treasury Management

Section 6: Other activities of Commercial banks

Lecture 41 Foreign exchange and government services

Lecture 42 Paper based clearing system

Lecture 43 Electronic payment systems part 1

Lecture 44 Electronic payment systems part 2

Lecture 45 NRI remittances and para banking activities

Lecture 46 Primary dealership and Merchant banking

Lecture 47 Mutual funds and pension funds

Lecture 48 Other para banking activates

Section 7: Relationship between bank and customer

Lecture 49 Strategy for expanding customer base

Lecture 50 Services to different customer group part 1

Lecture 51 Services to different customer group part 2

Lecture 52 Competition among banks

Lecture 53 CRM and Banking Ombudsman Scheme 1

Lecture 54 CRM and Banking Ombudsman Scheme 2

Section 8: Evolving trends in Modern banking

Lecture 55 Technology

Lecture 56 Outsourcing of non core activities

Lecture 57 Financial Inclusion- Initiatives by RBI

Lecture 58 Financial Inclusion- Micro credit and SHG

Section 9: Question and answers

Lecture 59 Q&A part 1

Lecture 60 Q&A part 2

Lecture 61 Q&A part 3

Lecture 62 Q&A part 4

Aspiring banking professionals.,Students of finance, commerce, or economics.,Entrepreneurs and business owners seeking to understand banking operations.,Anyone interested in gaining a comprehensive knowledge of the banking sector.