1 / 18

JAIIB NOV 01/2006

JAIIB NOV 01/2006. WELCOME TO VIRTUAL CLASS ROOM SESSSIONS. RESERVE BANK OF INDIA. SUPERVISORY & REGLATORY ISSUANCE OF CURRENCY NOTES CREDIT CONTROL EXCHANGE CONTROL TRANSFER OF FUNDS. BANKER-CUSTOMER RELATIONSHIP. DEBTOR-CREDITOR CREDITOR-DEBTOR AGENT-PRINCIPAL LESSOR-LESSEE

rico
Télécharger la présentation

JAIIB NOV 01/2006

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. JAIIBNOV 01/2006 WELCOME TO VIRTUAL CLASS ROOM SESSSIONS

  2. RESERVE BANK OF INDIA • SUPERVISORY & REGLATORY • ISSUANCE OF CURRENCY NOTES • CREDIT CONTROL • EXCHANGE CONTROL • TRANSFER OF FUNDS

  3. BANKER-CUSTOMERRELATIONSHIP • DEBTOR-CREDITOR • CREDITOR-DEBTOR • AGENT-PRINCIPAL • LESSOR-LESSEE • BAILEE-BAILOR

  4. Garnishee Order • A garnishee order is issued by a court • Ex: Rajesh borrows money from Bala • and fails to repay. Bala files a suit under • Civil Procedure Code and the Court issues • a decree and attaches the funds in Rajesh’s bank account with bank A. • The order issued by the Court on bank A • is called “Garnishee Order” • Rajesh is the judgement creditor • Bala is the Judgement debtor. Bank A is • Judgement debtor’s debtor

  5. NEGOTIABLE INSTRUMENTS • BANKER’S DUTIES & RESPONSIBILITIES • PAYING BANKER • PAYMENT OF CHEQUES

  6. CHEQUES

  7. NEGOTIABLE INSTRUMENTS • BANKER’S DUTIES & RESPONSIBILITIES • C0LLECTING BANKER • COLLECTION OF • CHEQUES

  8. WORKING CAPITAL OPERATING CYCLE

  9. DEPOSIT ACCOUNTS

  10. 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

  11. CHARGES • HYPOTHECATION • PLEDGE • MORTGAGE • ASSIGNMENT • LIEN • SET OFF

  12. FUND BASED FINANCE

  13. Non-Fund Based Finance

  14. CAMELS - MODEL • Capital Adequacy • Asset Quality • Management • Earnings • Liquidity • Systems & Control

  15. Non-Resident Indian Accounts • Who is a Non Resident Indian? 1)An Indian citizen who resides outside India on account of • a) Employment/business/vocation and • 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

  16. 6 Cs • CHARACTER • CAPTIAL • CAPACITY • COLLATERAL • CONDITION • COMPLIANCE

  17. 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

  18. ALL THE BEST & THANK YOU • T.M.C.VARADARAJAN • TEL : 022-25638965 (R) • 022-66364206 (O) • e.mail: t.varadarajan@scotiabank.com • tmc_varadarajan@yahoo.co.in

More Related