Banking and Finance

Syllabus

BANKING AND FINANCE 

Course Code: 125 (B)

Unit-1: Lending Principles and Balance Sheet of a Bank

Safety, Liquidity, Profitability, Diversification of risks and other Principles of Lending, Conflict between Liquidity, Profitability, and Safety, Customer assessment through  CIBIL  and other similar agencies, the Balance sheet of a bank.

Unit-2: Negotiable Instruments

Definition, Meaning and Characteristics of Negotiable Instalments Definition, Meaning and Characteristics of Promissory Note, Bill of Exchange and Cheque. Types of Cheques- Bearer, Order and Crossed Types of Crossing- General and Special. Dishonor of Cheque

Unit-3: Endorsement

Definition and Meaning of Endorsement Types of Endorsement- Blank, Full or Special, Restrictive, Partial, Conditional, Sans Recourse, Facultative. Effects of Endorsement.

Unit-4: Technology in Banking

Role and Uses of Technology in Banking Automated Teller Machine (ATM) – onsite and offsite ATM – Cash Deposit Machine, Cheque Deposit Machine, Passbook Printing Machine, Note and Coin Counting Device, Fake Currency Detector, Credit Card, Debit Card – Personal Identification Number ( PIN ) – Use and Safety, Mobile Banking – Mobile Banking Applications – BHTM           (Bharat Interface for Money)/UPI (Unified Payments Interface), Net Banking, Core Banking Online   Enquiry  and   Update   Facility, Home Banking – Corporate and Personal. Precautions in using Technology in Banking Current Trends in Banking Technology.