The Prime objective of the book is to provide a comprehensive and up-to-date information about Bank Management. The teachers and students will get an insight into the Principles, operational priorities and practices of the key players in the field. The whole text has been discussed in TWENTY-FIVE chapters grouped in sections. Chapter one introduces the subject and provides an insight into varied facet of Bank Management unfolding in the course of next TWENTY-FOUR chapters. The study discusses and analysis the new challenges and new initiatives of Banks and their unique role in the economy. In short, the study acts as a motivator to pursue a career in the growing and innovative core banking,portfolio management,investment banking, Micro Financing, insurance and allied areas. The study discusses and analysis the new challenges and new initiatives of Banks and their unique role in the economy. In short, the study acts as a motivator to pursue a career in the growing and innovative core banking, portfolio management, investment banking, Micro Financing, insurance and allied areas. Contents : 1. Introduction 2. The Banking System in India 3. Commercial Banking :Structure and Evolution 4. Functions of Commercial Banks 5. Liabilities and Assets of Banks 6. Merchant Banking 7. Banking Innovations 8. Non-Banking Finance Institutions 9. Major Issues of Banking 10. Management in Banks 11. Management by objectives 12. Credit Management 13. Marketing of Banking Services 14. Customer Services in Banks 15. Public Relation in bank 16. Organisation of Bank 17. Human Capital Management 18. Manpower Planning in Banks 19. Quality Circles in Banks 20. Management Information System 21. Management Audit in Banking 22. Efficiency Audit in Banks 23. Decision-Making in Banks 24. Future of Indian Banking 25. Indian banking in 2010 : Three Scenarios

The Development Banks are a multilateral development finance institutions, created with the specific objective of meeting the financial requirements of the Indian industry, agriculture. export trade, small-scale sector, infrastructure, housing and strengthening the Indian Capital Market. Over the years, Development Banks have contributed immensely as catalyst for development finance in promoting the economic and social development. In the process, they have also played a key role in fostering and nurturing entrepreneurial spirit in the Indian economy. A well-integrated structure of financial institutions has evolved in the country, comprising of 16 institution at the national level, 64 at the state level and 22 specialised financial institutions. The final decade of the last century unleashed unprecedented competitive pressures on the Indian economy, fuelled by the twin forces of economic deregulation and technology. These forces transformed the competitive dynamics in the Indian business environment, heralding the emergence of new leaders in various segments, the materialization of new industries and services, and a secular shift towards an overall improvement in operating efficiencies. The evolution of new-generation technology platforms, coupled with the increasing globalization of the Indian economy, blurred the perimeters of conventional business paradigms. These forces also shaped vast changes in the financial services sector, creating an era of continuous change. The period afforded exciting prospects, but also hitherto unknown risks, for the financial services industry. Over the past few years, the transition in the Indian financial and banking environment. coupled with liberalization and changing market conditions, has led to a fundamental shift in the management`s approach to enhancing shareholder value. In this context, corporate governance has attained paramount importance for ensuring fairness, transparency, accountability and responsibility to all stakeholders. The whole text has been discussed in 41 chapters grouped in 6 sections. The study provides an insight into the varied facets of Development Banks and their unique role in the economy. The studies also provides a comprehensive and upto date data on Development Banking and strive to cater to the needs of teachers, students, bankers and others interested in this subject. Contents : 1. Introduction Section I Development Banking 2. Rationale of Development Banking 3. The Concept of Development Banks 4. Evolution of Development Banking 5. Principles and Functions 6. Role of Developement Banking 7. Development Banking in India an Assessment Section II Capital Market 8. The Capital Market and Development Banks 9. Equity and Loan Capital 10. Refinance and Term Finance 11. The Non-bank Financial Intermediaries 12. Working Capital Management 13. Investment Portfolio Management Section III Development Finance 14. Sources of Development Finance 15. Financing Norms 16. International Investment 17. Special Agencies of Finance 18. Management of Fund-based Resources 19. Offshore Financing Instruments Section IV Planning 20. Planning and Control System 21. Management by Objectives 22. Credit Planning 23. Credit Management Section V Development Financial Institutions 24. Development Financial Institutions 25. Industrial Development Bank of India 26. Industrial Finance Corporation of India 27. ICICI 28. Small Industries Development Bank of India 29. Industrial Investment Bank of India 30. National Bank for Agriculture and Rural Development 31. Investment Institutions 32. Specialised Financial Institutions 33. Export-Import Bank of India 34. State Industrial Development Corporations 35. State Financial Corporations 36. Merchant Banking 37. The World Bank 38. The Asian Development Bank Section VI Looking Ahead 39. Marketing of Development Banking 40. Issues for the New Millennium 41. The History of Money From BC 1772 to AD 1999

Disciplinary Action / Proceedings has been subject of many law books and some of them are enough bulky. The present work has been prepared keeping in view the requirements of personnel departments in public sector banks as well as the defending officer employee. The object of the book is that Disciplinary Action / Proceedings may be carried out in a smooth manner and the same can be achieved only when parties to action understand their position in the proceedings. Further, an introduction to many concepts like probation, vigilance etc. has been given to augment the usefulness of the book for officer of the Bank. Contents : PART I 1. Public Sector Banks and their Conduct Rules 2. Nature of Disciplinary Action / Proceedings 3. Application of Principles of Natural Justice 4. Initiation of Disciplinary Action/Proceedings 5. Presenting Officer 6. Evidence Under Inquiry 7. Defence in Inquiry 8. Inquiring Authority and Its Report 9. Disciplinary Authority and Punishment 10. Judicial Review of Inquiry 11. Suspension and Reinstatement 12. Law Relating to Probation, Termination and Resignation 13. Miscellaneous Matters PART II 1. Model officer Employees` Conduct Regulations 2. Model Officer Employees` Discipline and Appeal Regulations

The speciality of this volume is that all matters are presented in lucid manner and in a simple language no with standing the technical nature of the subject. All latest developments have been covered and above all it is most student friendly. To enable the learners to test their knowledge, understanding and application of the subject, various types of questions have been given at the end of each chapter. Many innovative financial products have been introduced in the field of Banking and Insurance to cater to the varied risk-return requirements of both the corporate and individual customers. Moreover, they are subject to strict regulatory framework so that Banking and Insurance sectors may function efficiently and in a transparent manner. Though, a number of text book are available on these areas. It is very difficult to find a textbook covering all these aspects in one book. Recently many universities have completely restructured their commerce and management curricula incorporating therein many subjects on thrust areas so as to prepare the learners of higher learning institutions to meet the requirements of industries. The Bangalore university has taken a lead in this direction by introducing a thrust area subject viz. `BANKING AND INSURANCE` to the students of commerce. Book Content of Banking and Insurance UNIT : I An Overview of Financial System Indian Banking System UNIT : II Functions of Commercial Banks Investment Policy of Commercial Banks − Liquidity and Profitability UNIT : III The Concept of Risk and Insurance UNIT : IV Essential

The banking scenario in India is changing fast to keep pace with the international banking practice. As a result, the banks in India have been asked to meet specific standards such as capital adequacy norms, classification of assets, income recognition norms, Basel II accord, etc. Further, new directions have been issued to bring the NBFCs under strict control and to improve their financial health. The banking ombudsman scheme has been introduced to protect the interest of the depositors. Many post-reform developments have taken place so as to enable the banks to function with improved financial strength and functional efficiency. The negotiable instruments act has been amended recently with a view to enhancing the acceptability of cheques and thus, improving the efficacy of banking operations. The privatization of banks is on the move again. The latest development in the field of banking like the introduction of inclusion Inter-bank Mobile payment service, Green channel counters, financial Basel III Norms, new types of NBFCs, ATMs for rural masses, management of Non-performing Asset, Mchq product, Real-time gross settlement, etc., are included in this edition. Contents : 1. Banker and Customer 2. Deposits 3. Pass Book 4. Bank Customers − Special Types 5. Negotiable Instrument 6. Cheques 7. Material Alteration 8. Crossing 9. Endorsement 10. Marking 11. Paying Banker 12. Collecting Banker 13. Rights of a Banker 14. Loans And Advances 15. Modes of Charging Security 16. Unsecured Advances 17. Securities for Advances 18. Credit Appraisal 19. Advances Against Goods 20. Advances Against Documents of Title to Goods 21. Advances Against Stock Exchange Securities 22. Miscellaneous Securities 23. Subsidiary Services 24. Classification Of Banks 25. Investment Policy and The Balance Sheet of a Bank 26. Credit Creation 27. Bank Failures and Deposit Insurance and Credit Guarantee Corporation 28. Banking System in India 29. Commercial Bank and Economic Development 30. State Bank of India 31. Banking Regulations Act, 1949 32. Central Banking 33. Reserve Bank of India 34. Non-Banking Financial Institutions 35. Privatisation of Banks 36. The Banking Ombudsman Scheme, 1995 37. Electronic Banking (E-Banking) 38. Management of Non-Performing Assets (NPAs)

Corporation made ways for the development of corporate culture which opened doors for the emergence of techniculture. The new generation of ICT opened new vistas for the development of multi-channel banking considerably influenced by e-banking. This paved the avenues for redefining the concept of service quality in the banking world. The process of technological sophistication started gaining a rapid momentum since the beginning of 21st century. The banks all over the world started promoting techno-driven services. This helped banks in satisfying and retaining the customers. At the same time, the security threats on account of increasing cyber crime complicated the task of bank professionals. During yesteryears, the global economic recession has aggravated the magnitude of problem and we find even big players in Europe and USA falling like ninepins. The present book 'Bank Marketing' attempts to study the multi-dimensional problems helping bank professionals in marketing the services. Compete or perish, is a slogan necessitating due attention of bankers in improving the quality. Studying and understanding the markets, identifying the levels of expectations of customers, formulating a sound marketing strategy sizably influenced by customisation are some of the key issues before marketers which they can successfully tackle with this new edition of the book. The students of MBA, Bank Marketing, Bank Management would find this book useful while enriching their knowledge bank. The policy-makers, bank practitioners, academicians and many others would be benefited from the literature made available to them. Written in a lucid style, the book would be useful to the bank professional in perceiving a time-tested perception of service quality. Content - 1. The Foundation of Bank Marketing 2. Behavioural Profile of Bank Customers 3. Market Segmentation For Banks 4. Marketing Information System For Banks 5. Marketing Planning For Banks 6. Marketing Strategy 7. Marketing Mix For Banks 8. Product Strategy 9. Promotion Strategy 10. Pricing Strategy 11. Place Strategy 12. Strategic Decisions For Expanded Ps

No organisations can achieve its goals and objectives without proper and effective management. Management is the lifeblood of any organisation whether commercial, manufacturing or service industry like banks. Proper management helps in ensuring that all the faculties are functioning in a planned and desired manner. For efficient and effective management technical, conceptual and behavioural skills are must. Managing bank is not a routine affair. Banks are financial institution dealing mainly in intermediation of funds. They do business on the funds and trust of people. As economic structure of a country largely depends on its sound banking system, banks have added responsibility of infusing public confidence in the financial system of the country. Government and the Central Bank (Reserve Bank in case of India) not only lay down policy guidelines for banks but also closely supervise and monitor them and their performance. All commercial organisations including banks are profit conscious. Hence, all activities of bank management are directed towards business growth and profit maximistion without ignoring and compromising social and economic responsibilities. Keeping in view the activities performed by banks, the book has been designed in four parts, which takes care of various functional aspects of management, i.e., business growth, monitoring, manpower etc. The book has been written keeping in view the requirements of commerce graduates, postgraduates, management students of various universities who have opted banking or bank management as one of the subject or are specialising in banking. The book would also be of immense help to those perusing ICWA, other professional courses and to professional bankers. The book will impart functional knowledge to IT professionals working in the area of banking. The book would be able to address ever-increasing knowledge impatience of those who have chosen banking as career and want to have professional edge over others. Contents : Part I : BANKING SYSTEM 1. Structure of Indian Banking 2. Commercial Bank 3. Central Bank - Reserve Bank of India 4. Financial Institutions Part II : BANKING BUSINESS 5. Negotiable Instruments 6. Banker Customer Relationship 7. Accounts of Different Types of Customers 8. Deposits 9. Non-resident Deposits 10. Other Banking Services 11. Technology Based Services 12. Loans, Advances and Charging of Security 13. Letters of Credit 14. Customer Service Part III : SUPERVISION AND CONTROL 15. Non-performing Assets and Prudential Accounting Norms 16. Audit and Inspection 17. Prevention of Frauds 18. Fundamentals of Risk Management 19. Performance Budgeting Part IV : PERSONNEL MANAGEMENT 20. Process of Management 21. Human Resource Management 22. Performance Appraisal 23. Training 24. Promotion 25. Motivation Amendments made by RBI Bibliography

Technology has revolutionised banking industry in India. The industry, which is over 200 years old, has become young and energetic. The general impression that the banking industry is unfriendly industry, averse to change, which deals only in age-old products, has become a thing of the past. Technology has dominated this industry. According to a report by the 'Confederation of Indian Industry and PriceWaterhouseCoopers' while banks have traditionally relied on technology solutions, including the biometric card and the customer relationship management (CRM) software, use of the telephone, mobile platform, automated teller machines, Internet and television, with the emergence of technologies like cloud computing and social media, they should now 'institute fundamental technological changes'. With the help of technology, banks have been able to improve their services by utilising multichannel service outlets. Banks have introduced new and innovative service products. Even after retaining the fundamentals of banking, banks have amended operational systems and procedures. Growing competition and instructions and guidelines of the Reserve Bank has changed the entire face of this industry. Technology has increased operational efficiency, profitability and productivity of banks. Banks are able to efficiently manage various risks and deploy surplus funds properly and profitably. Banking has become the most preferred industry for employment. To have the best talent, banks have started campus recruitment, as knowledgeable workforce is the best asset. Looking at the growing scope of employment potential, many management institutes and universities have introduced banking either as one of the compulsory or an optional subject. Some universities have started even postgraduate diploma in banking and insurance and their process of selection is tough. Some banks have tied up with universities and guarantee placement in banks on completion of the course. Even Times of India has started courses on banking. The book aims at updating the knowledge of students pursuing MBA, M.Com., and of those who are interested in knowing the changes that has taken place or are taking place or may take place in the banking sector due to fusion of technology. Contents - 1. Branch Operations and Technological Implementations 2. Core Banking 3. Delivery Channel: Automated Teller Machine 4. Technology-based Banking Services 5. Cheques 6. Electronic Money (e-Money) 7. Interbank Payment System 8. Electronic Commerce (e-Commerce) 9. Management Information System (MIS) 10. Customer Relationship Management 11. Risk Management 12. Treasury Management 13. Computer Audit and Cyber Crime 14. Various Committees on Mechanisation of Banking Operations 15. Bibliography

The book is a result of an elaborate and painstaking research of financial history and contemporary developments in the world of banking and finance. Through the medium of a quiz book, questions have been designed to arouse curiosity in the minds of the reader to check their awareness levels and simultaneously kindle their interest to know more. Inquisitiveness stimulates the mind and pushes the individual to learn more. Apart from its intrinsic worth as a knowledge stimulus, the coverage of the book is across the financial history of the world with an obvious bias towards India. The questions relate to interesting facts/particulars about a gamut of issues from the field of banking, insurance, capital markets including mutual funds and non banking financial institutions. Quizzes have also been framed concerning personalities, financial products, services, landmark events, scams and scandals etc., with the intention to engage the reader in an absorbing exposure to the world of finance. The quizzing is primarily in the direct interrogation form with multiple choice format also being a part of the presentation. Quizzing is an extremely engaging activity among all age groups and across sections of society who value information and knowledge. It gives immense pride and satisfaction to those who crack quiz competitions as it reflects their superior educational and intelligence quotient. Quiz competitions are extremely popular in schools and colleges at most places. Even corporates organize quiz contests within the industry and outside as it stimulates mental activity and hones the skill levels. The interest is multiplying as success is being suitably rewarded. This quiz book on the fascinating endeavors of humans in the banking and financial sector is an attempt to reach this vast and enterprising constituency of quizzers. Contents : 1. Financial History − India 2. Financial History − International 3. Money, Finance and Banking-I 4. Money, Finance and Banking-II 5. Capital Markets 6. Institutions: Character and Features 7. Currencies, Coins and History 8. Finance, Accounts and Practices 9. Personalities and Happenings 10. Contemporary and Sundry Issues References

JAIIB and DB&F (Diploma in Banking & Finance) Examination is conducted by Indian Institute of Banking and Finance (IIBF) in May and November every year. 'Legal and Regulatory Aspects of Banking, is the 3rd paper of the JAIIB/DB&F Examination. This book has been written keeping in mind the requirements of the new entrants to banking and their preparation for JAIIB. Exhaustive material has been provided in the book which will help the readers in providing in-depth knowledge for various Legal and Regulatory Aspects in Banking. This book is based on the latest JAIIB syllabus of 2018. It is an updated comprehensive textbook with objective questions. It contains latest changes in banking and financial sectors up to 31st December, 2017. It contains 20 objective questions at the end of each chapter for testing the readers' preparation. Two mock tests for self-assessment of preparation are also given in the end of the book. It is a very useful book for day-to-day banking operations and all knowledge based Examinations in Banking. I trust that this book will be beneficial to all the new entrants in banking. Contents - Module A: Regulations and Compliance 1. Legal Framework of Regulation of Banks 2. Control over Organisation of Banks 3. Regulation of Banking Business 4. Returns Inspetion, Winding Up, Mergers and Acquisitions 5. Public Sector Banks and Co-operative Banks Module B: Legal Aspects of Banking Operations 6. Different Types of Borrowers 7. Types of Credit Facilities 8. Indemnities 9. Bank Guarantees and Deferred Payment Guarantees 10. Letters of Credit 11. Laws Relating to Bill Finance 12. Various Types of Securities 13. Laws Relating to Securities and Modes of Charging 14. Registration and Satisfaction of Charges 15. Case Laws on Responsibility of Paying Bank 16. Case Laws on Responsibility of Collecting Bank Module C: Banking Related Laws 17. Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (DRT Act) 18. The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act 2002) 19. Banking Ombudsman Scheme 20. Bankers' Books Evidence Act, 1891 21. The Legal Services Authorities Act, 1987 (Lok-Adalats) 22. The Comsumer Protection Act, 1986 23. The Law of Limitation 24. Tax Laws 25. Negotiable Instruments Act, 1881 26. Payment and Settlement Systems Act, 2007 Module D: Commercial Laws with Reference to Banking Operations 27. Indian Contract Act, 1872 28. The Sale of Goods Act, 1930 29. Indian Partnership Act, 1932 30. Definition and Features of a Company 31. The Companies Act, 1956 (Now The Companies Act, 2013) 32. The Foreign Exchange Management Act, 1999 33. The Transfer of Property Act, 1882 34. The Right to Information Act, 2005 35. The Prevention of Money Laundering Act, 2002 36. Information Technology Act, 2000 Mock Test - 1 Mock Test - 2