Credit administration has been evolving and now more then a century old. In Europe, it is more than three centuries. Banks in India followed their own principles until globalization in economic front including financial sector reforms were initiated in 1990s. In 1988 the committee for International Banking Supervision, Basel (Switzerland) evolved risk weighted approach and capital adequacy known as Basel II was recommended. The main aspects of Basel II are: (i) more risk sensitive, (ii) develop risk measurement and risk management techniques and (iii) align regulatory capital. Risk management has assumed high degree of importance. Of the three types of risks, namely credit, market and operational emphasis is on Credit risk. Deregulation and globalization financial service together with growing sophistication of financial service make banking and risk profiles more complex. Banks in India have to implement BASEL II not later than 31.03.2009. All these developments and fact credit portfolio both on and off balance sheet constitutes substantial composition, there is absolute need for bankers to understand the revised processes and systems that are different from traditional or pre-liberalisation approach to credit function. The book on 'Bank Credit Management' encompasses all the developments with adequate lucidity the credit management in Banks. It has captured the latest developments including Recovery Management as well as Micro Credit. Silent Features are - - Not many books available exclusively covering ‘Credit Management in Banks’. - Contains in detail the various steps in Credit Management – right from prospecting a client to the proposal sanction, monitoring and follow-up of advance. - Written in a very simple language. - Authors have tried to share their over 25 years’ experience in the banking industry by offering specific comments/suggestions at relevant places. - An exclusive chapter on ‘Risk Management in Banks’. - Legal and Non-legal Recovery Measures covered in depth. - The latest and popular concept ‘Micro Finance’ covered as a separate chapter. - Each Chapter begins with ‘Learning Objectives’ and ends with ‘Points to Remember’ giving gist of important aspects of that chapter. Content : 1. Overview of Lending Activity 2. Principles and Objectives of Credit Management 3. Credit Policy in Banks 4. Policy Rates and RBI Guidelines 5. Prudential Norms on Capital Adequacy and Credit Risk Management 6. Income Recognition, Asset Classification (IRAC) and Provisioning Norms 7. Types of Borrowers 8. Analysis of Financial Statement 9. Credit Evaluation- Working Capital Finance 10. Evaluation of Term Loans 11. Dynamics of Foreign Exchange 12. Types of Credit Facilities 13. Priority Sector Lending 14. Corporate Funding 15. Infrastructure Lending 16. Supply Chain and Channel Financing 17. Documentation 18. Monitoring and Follow-up 19. Recovery Management 20. Micro-finance and Financial Inclusion 21. Effective Funds Management through E-banking

This is an endeavor to provide the students with thorough understanding of International Banking and Forex Management related concept. In writing the book special care has been taken to avoid gaps in the sequential arrangement of topics in the syllabus and logically developed the various topics such as Introduction to International Banking, Functions of International Banking, Financing of Exports, Financing of Imports, International Payment Systems. The brief explanations have given related to International Capital Markets, Debt and non-debt flows, Volatile and Stable flows, Interest Rate Differentials, Demand for and supply of funds across borders. This book also contains the information about Offshore Banking, Role in International Financing, Asset and Liability Management of Foreign Banks, Foreign Exchange and Markets, Foreign Exchange rates and Foreign Exchange markets in India. Topics covered are discussed, as far as possible,. in a fairly self-contained manner. Contents - 1. Introduction to International Banking 2. International Capital Markets 3. Offshore Banking Centres 4. Foreign Exchnage and Markets 5. Forex Market in India

Indian Financial system has undergone a tremendous change in recent years. The entry of large number of private sector banks (both Indian and foreign) with advanced technology have created great element of competition which has paved the way for innovations in the banking sector. The new market oriented trend in the Indian Banking system has a multiplier effect on the economy. Book Content of Banking Theory, Law and Practice Preface Syllabus of Madras University Chapter 1. Origin and Kinds of Bank 2. The Banking Regulation Act, 1949 3. Role of Banks in Economic Development 4. Central Bank 5. Reserve Bank of India 6. Functions of Commercial Bank 7. Electronic Banking 8. Electronic Clearing System 9. Special Types of Bank Customers 10. Banker and Customer 11. Loans and Advances I 12. Loans and Advances II 13. Loans and Advances III 14. The Negotiable Instruments 15. Crossing and Endorsements 16. Payment and Collection of Cheques

Merchant Banking and Financial Services is a complete book which covers both merchant banking and emerging trends in financial services. This book would be widely useful by a wide section of readers, particularly teachers, advance students of commerce, Business Management and Practicing Mangers. The subject matter of this edition consists of 15 chapter, covering the entire gamut of financial services and about its regulatory authorities. Chapter I covers the overview of financial services and it explains the evolution of financial services and about its regulatory authorities. Chapter II tells about the entire working of merchant banking activities, its functions and it clearly explains all the important functions in detail. This chapter will be very important for students who are undertaking a course of this subject. Chapter III gives a brief historical account of Mutual Funds, its evolution, regulatory aspects and point out the future of mutual fund industry in India. Chapter IV deals with Lease Finance, and it gives an account of its total operation and explains the current condition of lease finance. Chapter V this section deals with Hire Purchase, its evolution, various laws concerning, tax implications and also it clearly explains about the difference between Hire purchase and Lease. Chapter VI covers Factoring Services rendered in India, its evolution, growth, function and the various recommendations of the committees concerns to factoring. Chapter VII gives a brief outline about the capital market and explains the role of stock market and its operations. Chapter VIII outlines the operating mechanisms of Venture Capital. It gives a brief note about the various venture capital firms available in India and also it tells us about the way to manage these firms. Chapter IX explains the role of Insurance industry in India. It tells us the history of this industry with regulations and discusses about the future of this industry in India. Chapter X plesents the role of housing finance, its institutional framework, policies and tells us the importance of housing in India. Chapter XI introduces the concept of securitization, its pros & cons and the growth of this service in India. Chapter XII dwells on the role of credit Rating services in India and it gives a brief account of various agencies available in India. Chapter XIII deals with consumer finance, which is the evergreen market in India. This chapter will be very useful to know the regulations of this service. Chapter XIV gives a clear picture about working mechanism of Credit Card services and gives a brief note about the various types of credit cards available in India. Chapter XV tells us about the emerging service in finance industry which is Micro Finance. This chapter clearly explains about the concept and about its various Implication. Chapter XVI briefly explains about Derivatives, the emerging product of today's market. Contents : 1. Financial Services 2. Merchant Banking 3. Mutual Funds 4. Lease Financing 5. Hire Purchase 6. Factoring 7. Capital Market 8. Venture Capital 9. Insurance 10. Housing Finance 11. Securitisation 12. Credit Rating 13. Consumer Finance 14. Credit Card 15. Micro Finance 16. Derivatives

Modern Technology in Banking and INsurance has developed a good customer relationship. The perfect competition among the public, private and foreign banks ensure their unique services to reach large number of customers for banking activities and the Insurance sector which has gained noticeable improvement due to privatization in recent times. Banking and Insurance regulations have been introduced various rules and regulations to facilitate the smooth banking and insurance operations. Banking and Insurance regulations have been introduced various rules and regulations to facilitate the smooth banking and insurance opeartions. Banking and Insurance regulations facilitate to the public for protecting their common interest by implementing the laws. Considering the various banking and Insurance legislations and amendments to the Negotiable Instruments Act, Insurance Act. 1938, IRDA Act. 1999 and other related Acts, the title 'Banking and Insurance' draws the attention of the students and teachers to understand various Banking and Insurance services. This book entitled as a 'Banking and Insurance' is written for 5th Semester BCA students of Bangalore University. The related matters are written in a simple and easily understandable. An attempt has been made to present the concepts briefly with examples. The present work of us has sincerely tried to highlight the practical areas of both Banking and Insurance. At present the area of Insurance is not longer remained as a monopoly of Government backed sector, there are several operators and stakeholders in the Insurance market in India, but the fact is Public sector Insurance still dominates over the market share. The present work of us promises a clear justification in the area of Insurance and Banking. The language used is very lucid and more informative to both a beginner as well as a professional. Book Content of Banking and Insurance Unit − 1: Financial System Unit − 2: Commercial Banks Unit − 3: Risk & Insurance Unit − 4: Essentials of Contract Unit − 5: Growth and Development of Insurance

Banking in developing countries like ours has also started witnessing the changing technological and socio-economic factors, and the emergence of new financial services has been supported by Information Technology, e.g., easy transfer of funds and messages across and beyond the national boundaries. Financial institutions, including banks, all over the world are, therefore, crucially dependent on products of IT and thus the need for BPR in banks. Though the pace of change has been slow, yet the Indian banking scene is no exception to this phenomenon of transformation in products and services, affected by IT. During the last decade, with the liberalisation and opening up of Indian economy, new private sector banks were established. Foreign banks also expanded their presence in India. The new private sector banks had a distinct advantage over the nationalised banks as they were able to start their operations with fully computerised services from day one. Foreign banks were already offering such services. It was observed that there is a mismatch between customer expectation and the services provided by the Indian commercial banks. The need to review and re-engineer their processes to withstand the competition as well as the growing needs of the economy, has almost made it mandatory for the commercial banks to re-engineer their processes sooner or later. This gives rise to certain questions such as - what is the state of BPR in commercial banks, what are the changes that have taken place, its impact on various factors such as - growth, productivity, profitability, employees and customers? Are the banks really benefiting by re-engineering their processes, etc. This book 'Business Process Reengineering in Commercial Banks' makes an attempt to answer some of these questions and understand the prevailing practices of BPR in commercial banks and explore the various factors relating to the same. Book Content of Business Process Reengineering − In Commercial Banks Chapter − I : Introduction Chapter − II : Status of BPR at SBH Chapter − III : Impact of BPR on Performance of SBH Chapter − IV : Impact of BPR at SBH on Employess Chapter − V : Impact of BPR at SBH on Customers - Analysis of Customers Perception Chapter − VI : Conclusions and Suggestions

The book provides a framework for systematic understanding of the most important short-term financial management problems that business firms faces in routine. The book provides foundations of the basic financial theory, rather than just an introduction to the tools, techniques and formulae of working capital management. Modern Banking and Working Capital Management deals with both Banking and Working Capital areas independently by focusing on the necessary foundations and fundamentals of each area and at the same time not ignoring their inter-relationships-thus also provide the basic and procedural knowledge about their integration and applications. The present book exhaustively deals with Indian banking system and structure taking into consideration the most recent developments and changes. At the same time, the book focuses on corporate`s major requirement that is working capital financing and management. The combined major resources making up current assets are the working capital of a company. It is very important to look at the overall size of the working capital in order to verify that sufficient resources have been devoted for that purpose. The management of the working capital can make the difference between business survival and business failure. Further, financing working capital can be very costly, so the proper management of working capital is of vital importance. The primary objective of this book is to develop a broad understanding of the short-term financial activities and decisions to provide thorough understanding in the fundamental tolls of working capital analysis. This is a mistaken belief that the understanding of working capital management concepts requires the knowledge of high-level mathematics. Also, some students mistakenly believe that Banking and Working Capital Management is an area in which they do not need competency. The fact, on the contrary, is that every finance specialization in a college of business, and many majors in other finance courses, requires the knowledge of banking and short-term financial management fundamentals. The purpose of this book is to enable the reader to understand the basics of banking and financial decision-making and to interpret the impact of these decisions on a firm`s performance. In order to make the book more accessible and comprehensible to the readers the book uses a number of pedagogical tools such as solved Examples and Illustrations, appropriate Diagrams, Charts, Tables, Boxes providing additional details and information, Questions, Corporate Case Studies, Chapter Summaries for quick learning, Glossary of Key Terms etc. The book is useful for the Bankers, Finance Executives, Teachers and Researchers, Students of specialized courses like BBA, B.Com, MBA, MFC, M.Com., C.A., ICWAI, C.S., PGDBM, JAIIB, CAII, CFA etc. It can be used as a reference text by all those professionals and students who are directly / indirectly related to finance and banking disciplines. Contents : 1. Basics of Finance 2. Working Capital Management: An Introduction 3. Finance Working Capital 4. Banking System in India 5. Reserve Bank of India (RBI)-Central Banking 6. Money and Banking: Concepts and Definitions 7. Working Capital Assessment and Banking Policy 8. Cash Management 9. Cash Forecasting 10. Receivable Management 11. Process Reengineering and Receivable Management 12. Inventory Management 13. Banking Performance and Analysis 14. Working Capital Performance Analysis 15. Glossary of Key Terms

India has experienced an economic transformation since the liberalization process began in the early nineties. In the last few years, with a soaring stock market, significant foreign inflow of funds and a rapidly developing financial service market, the Indian financial system has been witnessing an exciting era of transformation and developing a more contemporary outlook. The Government of India has helped in this development by introducing reforms to liberalize, regulate and enhance the country`s financial services sector. Today, India is recognized as one of the world`s most vibrant capital markets. Notwithstanding the challenges, the sector`s future seems to be in good hands. In this book, an attempt is made to provide a comprehensive outlook of banking and financial services in India. The book is divided into fourteen chapters dealing with different segments of banking and financial services sector. The first chapter provides an overview of Indian financial system. The next three chapters cover central banking and commercial banking activities in India. The remaining chapters provide an overview of different financial services such as merchant banking, credit rating, Insurance, housing finance, debt securitization, venture capital financing, depository services, mutual funds, leasing, etc. In short, the book covers the entire gamut of banking and financial services. The noteworthy highlight of the book is its wide coverage of contemporary topics, comprehensible presentation and reader-friendly approach. The book is designed primarily for students of graduate and postgraduate courses in the area of Banking, Finance and Economics. Contents : 1. An Overview Of Indian Financial System 2. Central Banking 3. Commercial Banking − I 4. Commercial Banking − II 5. The Securities And Exchange Board Of India (SEBI) 6. Merchant Banking 7. Mutual Funds 8. Venture Capital Financing 9. Housing Finance 10. Depository and Stockbroking Services 11. Securitization and Factoring Services 12. Leasing and Hire Purchase Finance 13. Credit Rating 14. Insurance Services

The subject financial analysis for bank lending has assumed considerable important, particularly since early 1990’s when. Like most of the countries. India opted for the policy of liberalization and globalization after 1991. The present volume is meant to be a standard reference as well as text book on the varied facets of financial analysis with reference to credit management by Banks and Financial Institutions. The book consists of three parts. Part I discusses the concepts and tools of Financial Analysis; Part II explain various concepts of working capital in its historical context; while Part III demonstrates the application of these tools in the changing context of liberalized economy by focusing on new concepts like 'Credit Worthiness', Risk-Analysis, Credit Rating, Products Differentiation. Pricing-Differentiation, Asset-Liability Management, etc. The book will be useful to the students of M.B.A., PGDBM, M.Com (Hons.), C.A., I.C.W.A. and C.A.I.I.A. and also practicing bankers and credit analysts in India and abroad. Contents : Part I Concept And Tools of Credit Appraisal Part II Financing of working capital under the new era of financial liberalization Part III Application of Financial Tools In Appraisal And Supervision of Working Capital Finance

India has reached a stage of fast economic development and Indian economy is one of the fastest growing economies of the world Economic environment in the country and throughout the world is changing very fast which has a direct impact on the banking sector. The policies of Liberalisation and Globalisation have opened up new opportunities to the bankers to conduct their business with more flexibility and in a professional way. Bankers have been bought within the purview of Consumer`s Protection Act. New and diversified services are being offered by Banks to meet the changing needs of customers and also to meet increasing competition. Banks are permitted to enter into consortium financing and syndicated loans. Investment of bank funds in the corporate securities is liberally permitted. Term lending is being undertaken on a larger scale and interest rate is being gradually revised. The book has been divided into five parts: Part-I Indian Banking System Part-II Banker and Customer Part-III Negotiable Instruments Part-IV Lending by Banks Part-V (a) Important terms (b) Short Notes (c) Practical Problems In the end Appendices have been given on various topics, viz - Letter of Lien, Trust Receipt, Mortgage Deed, Reports of Narasimham Committee, Goiporia Committee, Khan Committee, Code of`Bank Commitment for Individual Customers` etc. In the light-of recent changes the book has been thoroughly revised and enlarged. Some of the latest developments and changes incorporated in the books are- - Structural changes in ICICL NABARD, IDBI etc. - Plastic Money - Credit Card, Debit Card. - Major Banks In India - Financial and Banking Sector Reforms - Stock Exchanges - BSE, NSE, OTCEL - Investment, Securities and Mutual Funds. - Code of Banks Commitment for Individual Customers. Contents : 1. Commercial Banking In India-A Retrospect 2. Present Banking System In India 3. The Changing Profile of Indian Banking 4. The Reserve Bank of India 5. The Banking Regulations Act, 1949 6. Banking Companies (Acquisition And Transfer of Undertaking) Act, 1970 Part II - BANKER AND CUSTOMER 7. Nature of Banking And Functions of A Banker 8. The Banker-Customer Relationship 9. Operation of Bank Accounts 10. Special Types of Customers 11. Termination of Banker-Customer Relationship 12. Banker`s Clearing House Part III - NEGOTIBLE INSTRUMENTS 13. Negotiable Instruments 14. Collection And Payment of Cheques and Bills Part IV - LENDING BY BANKS 15. Principles of Good Lending 16. Loans And Advances 17. Secured Advances-Modes of Creation of Charge 18. Advances Against Collateral Securities 19. Letters of Credit 20. Agricultural Finance 21. Foreign Exchange And Export Finance 22. Credit to Priority And Neglected Sectors of Economy 23. Electronic Banking And Internet Banking Part V - IMPORTANT TERMS, SHORT NOTES AND PRACTICAL PROBLEMS 24. Important Terms 25. Short Notes 26. Practical Problems APPENDICES Appendix I : Specimen Form of Agreement for Cash Credit/ Overdraft Appendix II : Pledge of Goods to Secure Cash Credit Appendix III : Letter of Lien Appendix IV : Trust Receipt Appendix V : Mortgage Deed Appendix VI : Memorandum of Deposit by a Customer of the Title Deeds to Secure his Own Account Appendix VII : Bill of Lading Appendix VIII : Narasimham Committee Report on the Financial System: 1991-Salient Features Appendix IX : Securities and Exchange Board of India (SEBI): Functions & Control Appendix X : Report of Goiporia Committee Appendix XI : Reserve Bank Guidelines for follow0up of Bank Credit Appendix XII : Subsidiaries of Banks and Mutual Funds Appendix XIII : Khan Committee Report Appendix XIV : Recent Changes-Legal Decisions Appendix XV : Review of Monetary Policy for 2007-08 Appendix XVI : Codes of Bank`s Commitment for Individual Customers. Appendix XVII : Consumer Protection Act, 1986 and Banking Sector.