Fundamentals of Retail Banking

ISBN Number : 978-93-5051-300-2

Student Price : Rs.425

Student Dollar Price : 17$

Library Price : Rs.850

Library Dollar Price : 34$

Book Edition : First

Year of Publication : 2021

No. Of Pages : 280

Book Weight :426

About The Book

Banking has been wholesale banking for very small rich class and companies, until foreign banks, during 1970-1980, came out with consumer banking models. Better future and Carcer of Indian banks, especially entered into the area in 1990, at the start of liberalisation and globalisation, Since then, this sector has grown tremendously. Bank employees and general readers of banking and finance needed a some kind of full text-book along with questions in multiple choice to enable them to answer is written test or diploma examinations to get through with higher level.

It appears that there is normally non-availability of books on Retail Banking in India. My this book covers in its 19 chapters which covers important subjects like Customer Requirements/Product Development / Marketing of Retail Banking Services / Delivery Channels / CRM / Banking Codes and Standard Board of India / Non-Performing Assets etc.

This book is written in text with multiple questions (4 to 5 options) for easy understanding the subject-matter. How far I have been successful depends on the readers / students and bank employees who achieve as a result of their efforts of learnings.


Contents :

1. Retail Banking
2. Role of Retail Banking
3. Applicability of Retail Banking Concepts
4. Customer Requirements
5. Product Development Process
6. Credit Scoring and Risks
7. Important Retail Asset Products
8. Credit and Debit Cards
9. Remittance Products
10. Marketing of Retail Banking Services
11. Delivery Channels in Retail Banking
12. Delivery Models in Banks
13. Customer Relationship Management (CRM)
14. Banking Codes and Standard Board of India (BCSBI)
15. Technology in Retail Banking
16. Non-Performing Assets / Registration of Documents
17. Securitisation - Mortgage Backed Securities
18. Cross Selling Opportunities and Other Services
19. Lender`s Appraisal Procedure
Answers to Multiple Choice Questions

About The Author

Shri O.P. Agarwal, post graduate in Commerce from the Vikram University, Ujjain in the year 1964 and obtained Bachelor`s Degree in Laws in 1971 from the Indore University (Madhya Pradesh). He has been a distinguished scholar since he passed the M.P. Higher Secondary Board, Bhopal examination in the first rank in the year 1959. While B.Com. was passed in the 7th rank in the year 1962. After obtaining educational qualifications, he joined Bank of Maharashtra in July 1971, and obtained the international Diploma in Banking from London (England) and became associate C.A.I.B. (London). He served the nationalised bank for 35 years and acquired the skill in banking rules and regulations, customer satisfaction and service, efficient administration of the branches and corporate services department at the central office of the bank.

He pioneered for perfect implementation of extensive quality work to the customers and colleges. He has been branch managers for 11 years, 4 years at regional and central office along with 7 years as Faculty in Bank of Maharashtra - Staff Training Centre, New Delhi.

All above practical experience, enabled him to put experience and research into book-form by writing books, for all bank employees for their better future and elevation, for subjects like internal promotion, C.A.I.I.B. and computer operation (in Hindi language) as early as in years between 1991 to 1994. After retirement from bank services, he had desired and wished to spread and share his knowledge and experience with new generation, who were aspiring for services in banking, business management, insurance and foreign exchange areas. Since 2005, he has to his credit - writing of over 50 books on subjects like Foreign Exchange, Banking and Finance, Banking and Insurance, Security Analysis and Investment Management, Financial Markets and Services, J.A.I.I.B. and C.A.I.I.B. reference books in multiple choice questions, in Hindi and English languages. Professional bankers and serving bankers should also get the opportunity for updating the development in banking and finance subjects. He has written books, viz., Modern Banking of India, Credit Appraisal (in Hindi), Banks` Interview, How to Face Bank Interviews? (in Hindi), Quantitative and Financial Decision Analysis, Retail Banking, International Financial Management and Practical Letters Writing (in Hindi) for the benefit of entire fraternity. Writing of books is a passion for Mr. Agarwal.

He has been Guest Faculty since the year 2001 to date for various bank`s staff training colleges in Mumbai as well as for the largest and the first asset reconstruction company ARCIL, CBD Belapur, New Mumbai for their officers` training programmes.

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