AN OVERVIEW OF BANKING SECTOR SYLLABUS SYBBI Sem III NOTES

  Module I An Overview of Banking Sector

- Definition of Banks, Types of Banks, Principles of Banking

Functions of banks

- Banking system in India, Overview of RBI, Public, Private, Cooperative, Payment Bank, Regional Rural Banks 

- Emerging trends of banking - Universal banking, Electronic Banking, globalization of banking

- Brief History of banking sector reforms from 1991-2002 and Current developments in banking sector 

- Regulatory Architecture - Overview of Banking Regulation Act 1949, Banking Regulation Act (Amendment 2015), Payment and Settlement Act 2007, Negotiable Instrument Act 1881, BIS, Basel I, II and III. 

- Bank Crises in India

- Critical Evaluation of Banking Industry in India. 

Module II Commercial Banking and Customer- Banking Relationship

- Definition and meaning of Commercial Bank, Evolution of Commercial Banking in India, Functions of Commercial Bank, Services offered by Commercial Bank

- Retail Banking- Meaning, Features, Significance of Corporate Banking and Overview of its products

- Corporate Banking - Meaning, Features, Significance of Corporate Banking and Overview of its products 

- Banking Ombudsman- Meaning and Functions 

Unit III Universal Banking and Technology in Banking Sector

A. Universal Banking- Concept of Universal Banking, Evolution of Universal Banking, Services to Government, Payment and Settlement, Merchant Banking, Mutual Fund, Depository Services, Wealth Management, Portfolio Management Bancassurance, NRI Remittance. 

B. Technology in Banking- Features, norms and limitations of E-Banking, Mobile Banking, Internet Banking, RTGS, POS Terminal, NEFT, IMPS, Brown Label ATMs, White Label ATMs, NUUP, AEPS, APBS, CBS, CTS, Digital Signature, M- Wallets, Online opening of bank accounts- savings and current, and application for credit cards, loan. 

- Applicability of KYC norms in banking sector. 

Module IV Microfinance and Financial Inclusion 

A. Microfinance

- Introduction, need and Code of Conduct for Microfinance Institutions in India 

- Advantages, purpose, limitations and Models of SHG - Bank Linkage Program. 

- Role of NABARD and SIDBI

- Portfolio Securitization 

- SHG-2, NRLM, and SRLM

- Priority Sector and it’s classification 

B. Financial Inclusion 

- Need and extent

- RBI Committee Report of Medium Term Path on Financial Inclusion 2015, World Findex Report 2015, NISN Report 2015 (Only brief extracts relating to bank account holdings and credit taken and contrast between developing and developed nations.)

- Features and Procedures of Pradhan Mantri Jan Dhan Yojana and PM Mudra Yojana. 

- Features, procedures and significance of Stand up India Scheme for Green Field