Banking law and Practice

Paper Code: 
BCS 615
Credits: 
3
Contact Hours: 
45.00
Max. Marks: 
100.00
Objective: 
To acquire specialized knowledge of law and practice relating
to Banking 
 
9.00
Unit I: 
Loans and Advances

·         Law, Practice and Policies governing the employment of the

funds in the hands of the banker with special reference to the

lending banker

·         State Policy on Loans and Advances - Priority sector advances

and socio-economic policies - Financial inclusion - Self-

Employment Schemes - Women Entrepreneurs - Small Scale

Industries - Agricultural Finance, Export Finance, etc. - Micro

Finance - How the banker profitably uses the fund - Call loans and

loans repayable at short notice - Loans and advances -

Overdrafts - Legal control over bank's deployment of funds

9.00
Unit II: 
Securities for Banker's Loans

·         The legal issues involved in and the practice governing the

different kinds of securities for banker's advances and loans

·         Guarantees, pledge, lien, mortgage, charge - subject

matters of collateral security

·         Corporate Securities

·         Documents of title to goods

·         Land and Buildings

·         Book debts

·         Life Policies

Factoring; Bill Discounting; Bank Guarantees; Letters of Credit; Commercial Papers

9.00
Unit III: 
Financial Analysis of Banks

·         Introduction; Role of financial analysis in financial management; Techniques of Financial Analysis; DuPont Model of Financial Analysis; Special issues in Financial Analysis of Banking Industry

·         Financial System Contemporary and Emerging

Issues: An Overview

Introduction; Role of Financial System; Capital Flow Through

Intermediary Financial Institutions; Direct Capital Flow; Primary

Market Products; Primary Market Issue Facilitators; Secondary

Market; Economic Importance of Financial Markets.

9.00
Unit IV: 
International Banking Management

·         International Banking : An Overview

·         Legal & Regulatory Framework

·         International Banking Operations Management

·         Risk Management in International Banking

·         Special Issues: Technology and International Banking;

Globalisation and International Banking; Financial Innovations in

International Banking

Electronic Banking and IT in Banks

·         IT in Banking : An Introduction

·         IT Applications in Banking- Computer-Based Information

Systems for Banking; Electronic Banking; Electronic Fund

Management

·         Enabling Technologies of Modern Banking- Electronic Commerce and Banking; Supply Chain Management; Customer Relationship Management; Integrated Communication Networks for Banks

·         Security and Control Systems - Cybercrimes and fraud

Management

Planning and Implementation of Information Systems

9.00
Unit V: 
Risk Management in Banks

·         Risk Management: An Overview

·         Credit Risk Management

·         Liquidity and Market Risk Management

·         Operational Risk Management

·         Special Issues- Risk Management Organization; Reporting of

Banking Risk; Risk Adjusted Performance Evaluation

·         Basel III

Ethics and Corporate Governance in Banks

·         Ethics and Business

·         Corporate Governance

·         Corporate Social Responsibility

Governance in Financial Sector

Essential Readings: 

 P.N. Varshney, Banking law and Practice, Sultan chand and Sons, Delhi
• B.S. Khubehandani, Practice and Law of Banking, MacMillian India Limited
• Jain, Khanna, Tiwari, “ Banking and Public Finance” V.K India Enterprises, New Delhi.
• Natarajan S, Parameshwaran R, “ Indian Banking” S.Chand & Company LTD, New Delhi

 

References: 

Davar S.R., Banking Law & Practice, Vikas Publishing House, Delhi

• Shrivastava P.K.,Banking Law & Practice, Himalaya Publishing House, Bombay

• Shrivastava R.S., Nigam Divya, Management of Indian Financial Institutions” Himalaya Publishing House, New Delhi

• Tannan M.L.,Banking Law and Practice, Indian Law House, Delhi
• Bhole, L. M., Financial Markets and Institutions, Tata McGraw Hill, Delhi.
• Ghosh, D ., Banking Policy in India, Allied Publications, Delhi

Academic Year: