Basics of Banking and Finance

ISBN Number : 978-93-5273-586-0

Student Price : Rs.675

Student Dollar Price : 27$

Library Price : Rs.1495

Library Dollar Price : 60$

Book Edition : Third

Year of Publication : 2021

No. Of Pages : 500

Book Weight :832

About The Book

The process of financial reforms and globalisation have now gathered considerable speed in India. Changes are taking place in the economy and business scenario. Banks are developing innovative products and business strategies to match. RBI is issuing new guidelines almost daily to ensure that the Banks and Financial Institutions of India achieve internationally accepts standards and practices in all areas of their activities.

The most significant changes that have taken place in the banking and financial services industry relate to the areas of use of technology, electronic banking, new distribution channels for marketing of innovative financial products, customer relationship management, retail banking and risk management.

This book is intended to assist bank officers, MMS / MBA students, faculties and other readers in general, those who wants to have/gain an understanding about the various aspects of banking services and their advantages to its users.


Contents :

1. Structure of Indian Banking and its Functions
2. Modern Banking Functions
3. International Finance and Trade
4. Credit Risk Management − Prudential Norms
5. Emergence of E-Banking, E-Commerce and Cyber Law Information Tech. Act
6. Financial Management
7. Financial Statement Analysis
8. Micro Insurance and Agriculture Insurance
9. Risk Management in Commercial Banks
10. Import / Export Control

About The Author

Dr. K.M. Bhattacharya -

M.A., Ph.D., C.A.I.I.B., D.Litt

Former Managing Director, Bank of Rajasthan Ltd.,

Executive Director, Induslnd Bank Ltd., and

Chief General Manager, State Bank of India.


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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