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The process of financial reforms and globalisation have now gathered considerable speed in India. Changes are taking place in the economy and business scenario. Banks are developing innovative products and business strategies to match. RBI is issuing new guidelines almost daily to ensure that the Banks and Financial Institutions of India achieve internationally accepts standards and practices in all areas of their activities. The most significant changes that have taken place in the banking and financial services industry relate to the areas of use of technology, electronic banking, new distribution channels for marketing of innovative financial products, customer relationship management, retail banking and risk management. This book is intended to assist bank officers, MMS / MBA students, faculties and other readers in general, those who wants to have/gain an understanding about the various aspects of banking services and their advantages to its users. Contents : 1. Structure of Indian Banking and its Functions 2. Modern Banking Functions 3. International Finance and Trade 4. Credit Risk Management − Prudential Norms 5. Emergence of E-Banking, E-Commerce and Cyber Law Information Tech. Act 6. Financial Management 7. Financial Statement Analysis 8. Micro Insurance and Agriculture Insurance 9. Risk Management in Commercial Banks 10. Import / Export Control