Banking Law and Practice BBA Fifth Sem KSHEC

Syllabus

Course Code: BBA 5.3

Banking Law and Practice

Module No. 1: Banker and Customer                                                                                       16

A) Banker and Customer Relationship: Introduction – Meaning of Banker & Customer; General and Special Relationships between Banker & Customer, (Rights and Obligations of Banker & Customer).

B) Customers and Account Holders: Types of Customer and Account Holders – Procedure and Practice in Opening and Operating the Accounts of Different Types of Customers – Minor, Joint Account Holders, Partnership Firms, Joint Stock Companies, Clubs, Non-Resident Account – NRI & NRE Accounts.

Module No. 2: Banking Operations.                                                                                         08

Meaning – Duties and Responsibilities of Collecting Banker, Holder for Value, Holder in Due Course; Statutory Protection to Collecting Banker.

Module No. 3: Paying Banker                                                                                                    12

Meaning – Precautions – Statutory Protection to the Paying Banker; Cheques – Crossing of Cheques – Types of Crossing; Endorsements - Meaning, Essentials and Kinds of Endorsement; Dishonor of Cheque - Grounds for Dishonor of Cheque.

Module No. 4: Lending Operations                                                                                          12

Principles of Bank Lending, Kinds of lending - Loans, Cash Credit, Overdraft, Bills Discounting, Letters of Credit. Types of Securities and Methods of Creation of Charge, Secured and Unsecured Advances; Procedure - Housing, Education and Vehicle Loan’s; Non-Performing Asset (NPA): Meaning, Circumstances & Impact; Government Regulations on Priority Lending for Commercial Banks.          

Module No. 5: Banking Innovations                                                                                         08

New Technology in Banking – E-Services – Plastic Cards. Internet Banking, ATM Based Services, ECS, MICR, RTGS, NEFT, DEMAT, IMPS UPI , AADHAR Enabled Payment System, USSD, E-Valet and Application Based Payment Systems, Role of Artificial Intelligence in Banks, Block Chain – Meaning and Features.