Indian Banking System

Overview of Banking System-Structure of Indian Banking
System
Banker - Customer Relations
The legal relationship between the Banker and Customer, the
Multifarious Transactions between them and the Rights
and Duties of the Parties springing out of such relationship
Nature of Banking Business
Legal Nature of Banker-Customer Relationship and their
Mutual Rights and Duties
Special Categories of Customers, such as Corporations,
Partnership Firms, Hindu Joint Families, Unincorporated
Bodies, Trusts, Joint Account Holders, Minors, Nominee
Accounts, Liquidator, Mercantile Agents, Non-Resident
Indians, Foreigners and the Legal Incidence of each.

Banker - Customer Relations
Different Types of Accounts such as Current Accounts,
Savings Bank Account and Fixed Deposits
Other Transactions between Banker and Customer such as
Safe Deposit Vaults, Financial Advice, Letters of
Introduction and Other Services Rendered by Banks
Special features of the relationship between banker and
customer - Their mutual rights and duties - lien - Power to
combine different accounts - Secrecy of account

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

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

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