Banking Laws Index

Bank and Banking

Banking  Laws & Regulations

Currency & Coins

Central Banking & Reserve Bank of India

National And Scheduled Banks

Private Banks

Foreign Banks

Commercial Banks

Co-Operative Banking

Development Banks

ExportExport How to export: Canada-India-USA Import Banks

Housing Banks-Non

Banking Financial Institutions

Chit Funds

Bank Loan and Securitisation

Banking Ombudsman

Lok Adalats

Lender’s Liability

Bank Guarantee

Financial Analysis of Banks

International Banking Management

Electronic Banking and IT in Banks

Risk Management in Banks

Investment Banking

Money Supply & Price

Gold Control-Deposit banking or money warehousing-National Bank Notes

Bank Audit & Accounting

Foreign Exchange & Forex

Treasury Operation-Bankruptcy and Insolvency

Banking Disputes & Ombudsman

Training in Banking

Finance & management

Cyber Security

Cyber Incident Response and Investigations

 Bank Fraud-Corporate Credit Appraisal

List of Central Acts [India]

Topical arrangement

1. Overview of Banking System
2. Regulatory Framework and Compliances
3. Legal Aspects of Banking Operations
4. Banking Related Laws
5. Banker – Customer Relations
6. Loans and Advances
7. Securities for Banker’s Loans
8. Financial Analysis of Banks
9. Financial System Contemporary and Emerging Issues: An Overview
10. International Banking Management
11. Electronic Banking and IT in Banks
12. Risk Management in Banks
13. Ethics and Corporate Governance in Banks

Banking LawLaw Positive command of sovereign or divine. One can be ruled either by a Statute, a Statue, or a Statement. Legislation is the rule-making process by a political or religious organisation. Physics governs natural law. Logical thinking is a sign of a healthy brain function. Dharma is eternal for Sanatanis. and Practice [ ICSI Syllabus]

1. Overview of Banking System
2. Regulatory Framework and Compliances
   A. Provisions of RBI Act 1935, Banking Regulation Act 1949, Prevention of Money Laundering Act, 2002.
   B. Government and RBI’s Powers Opening of New Banks and Branch Licensing Constitution of Board of Directors and their Rights Banks Share Holders and their Rights CRR and SLR Concepts CashCurrency Management Winding up – Amalgamation and Mergers Powers to Control Advances – Selective Credit Control – Monetary and Credit Policy Audit and Inspection Supervision and Control – Board for Financial Supervision – its Scope and Role Disclosure of Accounts and Balance Sheets Submission of Returns to RBI, Corporate Governance.
3. Legal Aspects of Banking Operations
   Case Laws on Responsibility of Paying and Collecting Banker Indemnities or Guarantees – Scope and
   Application – Obligations of a Banker – Precautions and Rights – Laws relating to Bill Finance, LC and
   Deferred Payments – Laws Relating to Securities – Valuation of Securities – Modes of Charging Securities – Lien, Pledge, Mortgage, Hypothecation etc. – Registration of Firms/Companies – Creation of Charge and Satisfaction of Charge.
4. Banking Related Laws
   Law of Limitation – Provisions of Bankers Book EvidenceEvidence All the means by which a matter of fact, the truth of which is submitted for investigation, is established or disproved. Bharatiya Sakshya (Second) Adhiniyam 2023 Act -Special Features of Recovery of Debts Due to Banks and Financial Institutions Act, 1993 TDS Banking Cash Transaction Tax Service Tax, Asset Reconstruction Companies, The Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, The Consumer Protection Act, 1986, Banking Ombudsman Lok Adalats, Lender’s Liability Act.
5. 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, HinduHindu A geographical name given by non-Hindus, who came to visit Bharatvarsha (Hindusthan). Sanatan Dharma is the actual Dharmic tradition of the Hindus. People who live in Hindusthan are Hindu, whether they Follow Islam, Chris, Buddha, Mahavira, or Nanaka. In this way, Tribals are also 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 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.
   
6. 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 socioeconomic 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.
7. 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.
8. Financial Analysis of Banks
   Introduction; Role of financial analysis in financial management; Techniques of Financial Analysis; DuPont Model of Financial Analysis; Special issues in Financial Analysis of Banking Industry.
9. Financial System Contemporary and Emerging Issues: An Overview
   Introduction; Role of Financial System; Capital Flow Through Intermediary Financial Institutions; Direct Capital Flow; Primary Market Products; Primary Market Issue Facilitators; Secondary Market; Economic Importance of Financial Markets.
10. International Banking Management
    International Banking: An Overview, Legal & Regulatory Framework, International Banking Operations
    Management, Risk Management in International Banking, Special Issues: Technology and International Banking; Globalisation and International Banking; Financial Innovations in International Banking.
11. Electronic Banking and IT in Banks
    IT in Banking: An Introduction. IT Applications in Banking- Computer-Based Information Systems for Banking; Electronic Banking; Electronic Fund Management, Enabling Technologies of Modern Banking- Electronic Commerce and Banking; Supply Chain Management; Customer Relationship Management; Integrated Communication Networks for Banks Security and Control Systems – Cybercrimes and fraud management Planning and Implementation of Information Systems.
12. Risk Management in Banks
    Risk Management: An Overview, Credit Risk Management, Liquidity and Market Risk Management,
    Operational Risk Management, Special Issues- Risk Management Organisation; Reporting of Banking
    Risk; Risk Adjusted Performance Evaluation Basel III.
13. Ethics and Corporate Governance in Banks
    Ethics and Business, Corporate Governance, Corporate Social Responsibility, Governance in Financial Sector