After completing the programme a participant would have gained adequate familiarity and knowledge about the banking domain which will enable him (1) to understand easily the ideas expressed by domain experts and (2) to participate in discussions with the domain expert in a “well informed” level about the various business processes. In short the interactions with domain experts on the one hand and process champions/ process owners on the other will be a real dialogue.
Introduction and Overview: Origin of banking-comparison with a manufacturingIndustry-similarities and differences-Typical organizational structure of a commercial bank.-distributed structure of financial powers of functionaries.
What is a balance sheet of an enterprise-Assets and Liabilities in a balance sheet-expenses and Income-how various items reflect in the balance sheet of an enterprise- with particular reference to a banking company
Assets and liabilities of a bank-deposits as liabilities and loans as assets how these are treated in the balance sheet-other assets and liabilities.
Deposits- how opened-legal requirements-deposits as liabilities-data base of Depositors-cheques and drafts-campaigns-interest rates-service charges-segmentation and its utility .complete details of all business processes involved
Advances/loans-various loan products- sales-campaigns- loans as assets-management of loans-quality of loans (asset quality) and its importance-segmentation and its utility.-Exposure norms-database of loan customers and its uses. Complete details of all business processes involved.
Foreign exchange business and treasury-RBI control-regulatory environment-CRR and SLR-REPOs-money at call and security market operations-funds management and cash management in banks-business processes involved.
Other businesses handled by banks-collection and purchase of cheques-clearing Houses-business processes.
Loan processing-parameters-processes-documentation-securities-inspections and Recording for verification and archives.
Performance budgeting-processes-benchmarking-goal setting-collaboration-
Reporting and control mechanisms-midterm assessments-course corrections and Follow up-MIS in Banks.
Bank’s balance sheet-capital adequacy-legal and control environments-statutory Audit and income tax.
H.R.M and Personnel administration –payroll management in a widely distributed Set up. Performance assessment and rewarding-Employee discipline and management.
Frauds and their prevention-insurance claims and vigilance.
Internal audit- risk management-operational and credit risks and how they are managed.
Centralized business processes and centralized computer solutions.
Personnel Banking, Trade Finance, Internet Banking
