Retail Banking Challenges and Latest Trends in India

ISBN Number : 978-93-5262-309-9

Student Price : Rs.698

Student Dollar Price : 28$

Book Edition : First

Year of Publication : 2019

No. Of Pages : 236

Book Weight :370

About The Book

In the changing paradigms of banking, there has been seminal transformation in the composition of assets and liabilities portfolio of banks. There has been a gradual and conscious shift from exposure to large credit with concentrated risk to medium and small loans with well dispersed risk more focused on retail segment. Moreover, the changing Indian demographic pattern suggest that India will be the country with youngest population where 64 percent will be in working age and these young individuals will also form bulk of bank customers in next few years to come. With per capita income on rise, the life style will undergo change with more propensity to consume credit. Hence, banks will have immense opportunity to expand retail lending and that's how the knowledge base on retail banking will be essential.

The book will be beneficial to all present as well as potential bankers, particularly the young aspirants entering the banking domain now.

The book lucidly explains the significance of retail distribution channels, service design and delivery, segregation of functions in respect of front and back office roles. Its linkage with retail electronic banking, IT framework that supports retail functions, explains new range of products, efforts of customer centricity, customer relationship management in a comprehensive manner.

The book would definitely be a good source of reference book on retail banking for all knowledge seekers desiring to understand the various facets of retail banking.

 

Contents -

1. Introduction to Retail Banking
2. Retail Banking Strategies
3. New Distribution Channels for Retail Banking
4. Service Design and Delivery Strategies in Retail Banking
5. Front Office and Back Office Operations
6. Introduction to Electronic Banking
7. Recent Trends of IT in Retail Banking
8. New Product Development, Pricing and Launching
9. Payment and Settlement Systems, RTGS and Clearing House
10. Customer Relationship Management in Bank

About The Author

Dr. Suresh Chandra Bihari - Director, Institute of Banking and Management Training, Bhubaneswar Dr. Bihari has 36 years experience in industry and academics which includes 18 years teaching experience.

He has organised 20 management development programmes which are widely acclaimed among industry circles. Through these programmes, he has trained about 500 bankers from all over the country. He has written 25 books in various areas of management including A Handbook on Banking Management, Carrying a Foreword from The Chairman, Indian Banks Association. He has total publications of more than 100 in various international and national journals of repute. He is the consulting editor of the ICFAI University Press Journal of Bank Management since 2012.

A post-graduate in Humanities, Journalism, Banking, Management, PMIR, Training and a graduate in law. He got his doctorate in Management 10 years ago and is presently pursuing his post-doctorate (D.Litt.) in management.

He received Micro (2011) and Macro (2009-10) research awards from Indian Institute of Banking and Finance and has received research award from IFHE Deemed University for working on the effectiveness of Pradhan Mantri Jan-Dhan Yojana in the state of Telangana. For the academic year 2013-14, he received the Best Teacher Award for overall excellence of IFHE Deemed University of which IBS, Hyderabad is a constituent. 2015 — He organised - 11th International Conferences on Business and Finance at IBS Hyderabad on 8-9, January, as Conference Chair. 2016 — Worked as a Member of a Panel to promote executives of a large public sector bank to the Senior Management Grade at the request of the bank.

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