Guide To Banking Operations And Lending Practices

Master the essential banking operations, lending principles, and advanced financial regulations to navigate banking.

What you'll learn

The core functions and operations of banks.

Principles of lending, securities, and asset management.

In-depth knowledge of NPAs and recovery mechanisms.

Detailed understanding of the SARFAESI Act and payment systems.

Insights into internet banking frauds and security measures.

Requirements

This course is designed for anyone interested in understanding the banking sector, including business professionals, finance enthusiasts, and students with a basic knowledge of economics or finance.

Description

Course Introduction:This comprehensive course is designed to provide a detailed understanding of banking operations, including the core functions, account management, lending principles, and regulatory frameworks. You will gain insights into the intricacies of working capital, non-fund-based limits, non-performing assets, and the SARFAESI Act. Furthermore, we delve into the essential aspects of internet banking frauds, core banking solutions, and the security measures required to protect banking operations. This course is ideal for professionals looking to strengthen their banking knowledge or students aspiring to pursue a career in the financial sector.Section-wise Write-up:Section 1: Overview of the Banking SectorThis section covers the foundational aspects of banking, introducing students to its key functions, organizational structure, and channels of operation.Lecture 1: Basic Functions of Banking: Understand the core functions of banks, such as accepting deposits, granting loans, and providing financial services to individuals and businesses.Lecture 2: Banking Channels: Learn about the various banking channels, including branches, ATMs, internet banking, mobile banking, and more.Lecture 3: Organization Chart of a Bank: Explore the hierarchical structure of a bank and how different departments work together to ensure smooth operations.Section 2: Learning about Banking OperationsThis section focuses on practical banking operations, including account management, KYC, and anti-money laundering practices.Lecture 4: Account Opening Process: Learn about the process of opening personal and business accounts and the documentation involved.Lecture 5: Opening of Different Types of Accounts: Explore the different types of accounts offered by banks, including savings, current, and fixed deposit accounts.Lecture 6: Need for KYC and AML: Understand the importance of Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations in preventing financial crimes.Lecture 7: Dormant Accounts: Learn how dormant accounts are managed and the steps taken by banks to reactivate them.Section 3: Understanding Nomination & Other PrinciplesIn this section, you will explore the principles of nomination, non-resident deposits, and the key lending principles that govern bank operations.Lecture 8: Nomination: Understand the concept of nomination, its importance in banking, and how it works for deposit accounts and loans.Lecture 9: Non-Resident Deposits: Learn about the different types of deposits made by non-resident Indians (NRIs) and the regulations governing them.Lecture 10: Bank Lending Principles: Explore the fundamental principles of bank lending, including risk assessment and loan documentation.Lecture 11: Further Principles of Banks: Dive deeper into the other principles banks follow in terms of lending practices.Lecture 12: Continuation of Principles of Banks: Continue the exploration of banking principles, focusing on ethical considerations and risk management.Section 4: Understanding Working Capital & Non-Fund Based LimitsThis section focuses on the financial aspects of banking operations, particularly working capital and how non-fund-based limits are assessed and managed.Lecture 13: Non-Fund Based Limits and Its Assessment: Learn about the different types of non-fund-based limits and how banks assess these limits for business clients.Lecture 14: Working Capital and Methods of Assessment: Understand working capital management, including how banks assess and provide working capital loans.Lecture 15: Continuation of Working Capital and Methods of Assessment: Explore further assessment techniques for working capital loans.Lecture 16: Securities, Their Charging, and Retail Loans: Learn about the types of securities banks accept for collateral and the process of charging them.Lecture 17: Continuation of Securities, Their Charging, and Retail Loans: Deep dive into the charging process and its impact on retail loan management.Lecture 18: Various Forms of Charging of Securities: Understand the various methods banks use to secure loans with collateral.Section 5: Learning about Lending Terms & ConditionsIn this section, students will gain insights into the critical aspects of lending, including mortgages, lien, and other important terms and documents.Lecture 19: Mortgages: Explore the concept of mortgages, types of mortgage loans, and how banks manage these products.Lecture 20: Assignment, Lien, and Set-off: Understand the legal concepts of assignment, lien, and set-off, and their application in banking transactions.Lecture 21: Lending Terms and Documents: Learn about the standard terms and conditions in lending agreements, including the necessary documentation.Lecture 22: Continuation of Lending Terms and Documents: Further understanding of loan agreements, clauses, and terms in banking documents.Lecture 23: Documentation: Detailed exploration of the documentation process for loans and credit facilities.Lecture 24: Procedure for Documentation: Understand the procedural steps involved in loan documentation.Lecture 25: Continuation of Procedure for Documentation: Learn about advanced documentation practices in the banking sector.Section 6: Non-Performing Assets (NPAs)This section will provide an in-depth look at non-performing assets (NPAs), their classification, and how banks manage them.Lecture 26: Post-Disbursement Activities of Bank: Learn about the actions banks take after loan disbursement, including monitoring and follow-up.Lecture 27: Continuation of Post-Disbursement Activities of Bank: Explore the continuation of post-disbursement practices and their role in managing loan performance.Lecture 28: Non-Performing Assets (NPAs): Understand what NPAs are, how they arise, and their impact on a bank’s financial health.Lecture 29: Continuation of Non-Performing Assets: Explore further strategies banks employ to address NPAs.Lecture 30: Classification of Assets: Learn about asset classification in banks, including the distinction between performing and non-performing assets.Lecture 31: Management of NPAs: Discover how banks manage NPAs through various recovery and restructuring mechanisms.Lecture 32: Continuation of Management of NPAs: Further insights into the strategies banks adopt to reduce NPAs and recover dues.Section 7: Learning about SARFAESI ActIn this section, you will learn about the SARFAESI Act, 2002, and its impact on the recovery of bad debts.Lecture 33: SARFAESI Act-2002: Understand the provisions of the SARFAESI Act, 2002, which allows banks to seize assets to recover bad debts.Lecture 34: Processing of Payments and CTS System: Learn about the electronic payment systems, including the Cheque Truncation System (CTS), and their role in ensuring secure payments.Lecture 35: Continuation of Processing of Payments and CTS System: Delve deeper into the functioning of payment systems and their integration with the banking sector.Lecture 36: Products of Payment Services: Explore the various products available in payment services, such as mobile payments, debit/credit cards, and e-wallets.Lecture 37: Continuation of Products of Payment Services: Further examination of the payment services offered by banks and financial institutions.Lecture 38: Collection Services and Forex: Learn about banking services related to the collection of payments and foreign exchange (Forex) management.Section 8: Concept of Banking Solutions & Internet FraudsThis section explores modern banking solutions and the growing concern of internet frauds in the digital age.Lecture 39: Core Banking Solutions: Learn about core banking systems and how they enable banks to provide seamless services to customers.Lecture 40: Internet Frauds: Understand the various types of internet frauds, including phishing, identity theft, and hacking, and their impact on banking operations.Lecture 41: Continuation of Internet Frauds: Further exploration of internet fraud cases and preventative measures.Lecture 42: Money Mule, Nigerian Scam, and Safety Measures: Learn about specific fraud schemes such as money mule and Nigerian scams, and the safety measures banks implement to protect customers.Conclusion:By the end of this course, you will have a thorough understanding of banking operations, including the loan disbursement process, post-disbursement management, and non-performing assets. You will also gain insights into the SARFAESI Act, banking solutions, and the critical importance of security in the digital banking era.

Overview

Section 1: Overview of Banking Sector

Lecture 1 Basic functions of Banking

Lecture 2 Banking channels

Lecture 3 Organization chart of a bank

Section 2: Learning about Banking Operations

Lecture 4 Account opening process

Lecture 5 Opening of different types of accounts

Lecture 6 Need of KYC and AML

Lecture 7 Dormant accounts

Section 3: Understanding about nomination & other principles

Lecture 8 Nomination

Lecture 9 Non resident deposits

Lecture 10 Bank lending principles

Lecture 11 Further principles of banks

Lecture 12 Continuation of principles of banks

Section 4: Understanding of working capital & non-fund based limits

Lecture 13 Nonfund based limits and its assessment

Lecture 14 Working capital and methods of assessment

Lecture 15 Continuation of Working capital and methods of assessment

Lecture 16 Securities, their charging and Retail loans

Lecture 17 Continuation of Securities, their charging and Retail loans

Lecture 18 Various forms of charging of securities

Section 5: Learning about Lending Terms & Conditions

Lecture 19 Mortgages

Lecture 20 Assignment, Lien and Set off

Lecture 21 Lending terms and documents

Lecture 22 Continuation of Lending terms and documents

Lecture 23 Documentation

Lecture 24 Procedure for documentation

Lecture 25 Continuation of Procedure for documentation

Section 6: Non Performing Assets

Lecture 26 Post disbursement activities of bank

Lecture 27 Continuation of Post disbursement activities of bank

Lecture 28 Non Performing Assets

Lecture 29 Continuation of Non Performing Assets

Lecture 30 Classification of assets

Lecture 31 Management of NPAs

Lecture 32 Continuation of Management of NPAs

Section 7: Learning about SARFAESI Act

Lecture 33 SARFAESI ACT-2002

Lecture 34 Processing of payments and CTS system

Lecture 35 Continuation of Processing of payments and CTS system

Lecture 36 Products of payment services

Lecture 37 Continuation of Products of payment services

Lecture 38 Collection Services and Forex

Section 8: Concept of Banking Solutions & Internet Frauds

Lecture 39 Core Banking Solutions

Lecture 40 Internet frauds

Lecture 41 Continuation of Internet frauds

Lecture 42 Money Mule, Nigerian Scam and safety measures

Finance professionals interested in deepening their banking knowledge.,Business owners looking to understand how banks operate and manage risk.,Students pursuing a career in banking or finance.,Anyone looking to gain a comprehensive understanding of the banking sector.