jaiib principlesof banking mod b
TRANSCRIPT
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JAIIB
APRIL 02/2007
WELCOME TO VIRTUAL CLASS
ROOM SESSSION
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BANKER-CUSTOMER
RELATIONSHIP
DEBTOR-CREDITOR
CREDITOR-DEBTOR
AGENT-PRINCIPAL LESSOR-LESSEE
BAILEE-BAILOR
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BANKER’S DUTIES
&
RESPONSIBILITIES
PAYING BANKER PAYMENT OF
CHEQUES
PAYMENT INDUE COURSE
APPARENTTENOR
PAYMENT INGOOD FAITH
WITHOUTNEGLIGENCE
NEGOTIABLE INSTRUMENTS
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CHEQUES
OPEN
CROSSED
ORDER
BEARER
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NEGOTIABLE INSTRUMENTS
BANKER’S DUTIES
&
RESPONSIBILITIES
C0LLECTINGBANKER
COLLECTION OF
CHEQUES
HOLDER INDUE
COURSE
CONSIDERATION TITLE IBEFOREMATURITY
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DEPOSIT ACCOUNTS
CERTIFICATE
FLEXI
RECURRING
FIXED
SAVINGS
CURRENT
DEPOSITS
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CERTIFICATE OF DEPOSIT
CD IS A MONEY MARKET INSTRUMENT
ISSUED AS A DISCOUNT INSTRUMENT
MINIMUM AMOUNT IS Rs. One LAKH
MINIMUM PERIOD OF CD 15 DAYS
MAXIMUM PERIOD OF 1 YEAR
DIFFERS FROM FD
a) Prepayment not allowed
b) Loan is not allowed
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CHARGES
HYPOTHECATION
PLEDGE
MORTGAGEASSIGNMENT
LIEN
SET OFF
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FUND BASED FINANCE
BILLSFINANCE
TERMFINANCE
RETAILFINANCE
OVERDRAFT
CASH CREDIT
LOANS&
ADVANCES
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Non-Fund Based Finance
BANKGUARANTEE
CO-ACCEPTANCEOF BILLS
LETTERS OFCREDIT
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Working Capital Cycle
Cash
Raw material
Semi finished goodsFinished goods
sales
Bills receivables
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Non-Resident Indian Accounts
Who is a Non Resident Indian?
1)An Indian citizen who resides outside India onaccount of
a) Employment/business/vocationand
b) staying outside India for an uncertain
period
2)A person of Indian origin but a citizen in
any other country except Pakistan/Bangladesh
if at any time holding an Indian passport
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6 Cs CHARACTER
CAPTIAL
CAPACITY COLLATERAL
CONDITION
COMPLIANCE
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Clayton’s Case
Applicable only to a
a) joint a/c and or a partnership a/c
b) running c/c and o/d a/cs
c) Not to two different a/cs
(Right of set off is applicable)
Based on the concept of Appropriation
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FAQs• Distinguish -Cash Credit and Overdraft• Both CC and OD forms part of working
capital finance
CC is granted against moveable goods(inventory/semi finished goods/goods etc)OD is granted against paper security(Fixed deposit receipts/shares/bookdebts)
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FAQs
• KYC: Know Your Customer
• Know your customer norms are applicable
•
to all customer accounts. It deals with not• only to identify the customer but also
• to understand the activities of the customer,
• to ensure that the operations in the customer• account/s is/are for genuine purpose
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THANKS & ALL THE
BEST• T.M.C.VARADARAJAN
• TEL : 022-25638965 (R)
• 022-66364206 (O)
• e.mail:
•