Introduction to Indian Banking-B.V.Raghunandan

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introduction to the study of banking including the Indian banking system

introduction to the study of banking including the Indian banking system

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  • 1. Workshop on Modern Banking Presentation by: B.V.Raghunandan, Faculty of Commerce, SVS College, Bantwal. Venue: St. Agnes College, Mangalore. December20, 2006
  • 2. Chapter I:Introduction
    • Meaning & Definition
    • -Accepting Deposits
    • -Lending or Investment
    • -Nature of Repayment
    • -Nature of Withdrawal
  • 3. Significance of Banks
    • Savings Mobilisation
    • Remittance of Funds
    • Development of Bill Market
    • Well Developed Money market
    • Development of Capital Market
    • Public Finance
    • Financing the Nation
    • Risk Free Investment
    • Corporate Services
    • Social Banking
  • 4. Evolution of Banking in India
    • Presidency Banks: Bank of Bengal in 1809,Bank of Bombay in 1840 & Bank of Madras in 1843
    • Imperial Bank of India -1921
    • Reserve Bank of India-1935
    • State bank of India-1955
    • Nationalisation of 14 Banks-1969
    • Second Dose of Nationalisation –1980
    • Narasimham Committee Reforms-1990s
    • ICICI Merger- 2003
  • 5. Composition of Indian Banking System
    • Reserve Bank of India
    • Commercial Banks
    • Development Banks
    • Regional Rural Banks
    • Co-operative Banks
    • NABARD
    • Land Development Banks
    • Exim Banks
  • 6. Reserve Bank of India
    • Established in 1935
    • Central Board of Directors with 20 members
    • 1local Board for each of the four regions
    • Traditional central banking functions
    • Regulatory functions
    • Promotional functions
  • 7. Commercial Banks
    • Public Sector Banks: 1+7+14+6=28
    • Private Sector Banks: Indian,foreign & New Generation Banks
    • Scheduled & Non-Scheduled banks
  • 8. Development Banks
    • IFCI Ltd in 1948
    • ICICI Ltd in 1955
    • 18 SFCs
    • Industrial Investment Bank of India (IRCI in 1971 and reincorporated in 1997
    • IDBI in 1964
  • 9. Regional Rural Banks
    • Product of 20 point programme of the govt.
    • Scheduled Banks & Non-Scheduled Banks
    • Treated as cooperative societies
    • Sponsored by a public sector bank
    • 196 RRBs covering 451 districts spread over 23 states having 14,552 branches
    • Area Restriction
  • 10. Co-operative Banks
    • Three Tier Structure
    • Different Economic Groups
    • Most of the Functions of Commercial Banks
  • 11. NABARD
    • Set-up in 1982
    • Took over ARC
    • Refinance
    • Inspection of RRBs
    • Routing Branch Expansion applications of RRBs
    • Asscn with World Bank & others
    • Linking SHGs and NGOs
    • Kisan Credit Card Scheme in collab with RBI,Comm. Banks, Coop Banks
    • Micro-Finance Initiative
  • 12. Land Development Banks
    • Long-term finance to agriculture
    • Co-operative institutions
    • Mortgage is created on the land
    • 50% of the market value of the land given as loan
    • Severe criticisms
  • 13. Foreign Exchange Banks
    • Collection of Foreign Bills
    • Accepting Foreign Bills
    • Issue of letter of credit
    • Dealing in Foreign Currencies
    • Discounting foreign bills
    • Providing International trade Information to exporters & importers