1. Introduction to Banking...............................7
1.1 Origin and Evolution of Banking
1.1.1 Meaning of Bank
1.1.2 Definition of Bank
1.1.3 Evolution and Development of Banking in India
1.2 Structure of Indian Banking System
1.2.1 Scheduled and Non-Scheduled Banks
1.2.2 Commercial Banks
1.2.3 Public Sector Banks
1.2.4 Private Sector Banks
1.2.5 Foreign Banks
1.2.6 Regional Rural Banks (RRBs)
1.2.7 Co-operative Banks
1.2.8 Development Banks
1.2.9 Small Finance Banks (SFBs)
1.2.10 Payment Banks
1.2.11 Investment Banks
1.2.12 Central Bank

2. Functions of Banks.....................................14
2.1 Functions of Banks
2.1.1 Primary Functions of Banks
2.1.2 Secondary Functions of Banks
2.1.3 General Utility Functions of Banks
2.1.4 Agency Functions of Banks
2.1.5 Role of Banks in Economic Development
2.2 Banking Products and Services
2.2.1 Deposit Accounts
2.2.2 Loans and Advances
2.2.3 Card-Based Banking Products
2.2.4 Electronic and Digital Banking Services

3. Banking Operations & Regulation............................22
3.1 Banker–Customer Relationship
3.1.1 Concept and Significance of Banker-Customer Relationship
3.1.2 Meaning of Banker
3.1.3 Meaning of Customer
3.1.4 Legal Nature of Banker-Customer Relationship
3.1.5 Debtor–Creditor Relationship (Deposit Accounts)
3.1.6 Creditor–Debtor Relationship (Loans and Advances)
3.1.7 Trustee–Beneficiary Relationship
3.1.8 Agent–Principal Relationship
3.1.9 Bailor–Bailee Relationship
3.1.10 Lessor–Lessee Relationship (Locker Facility)
3.1.11 Obligations (Duties) of a Banke
3.1.12 Rights of a Banker
3.1.13 Rights of a Customer
3.2 Banking Procedures
3.2.1 Concept of Banking Procedures
3.2.2 Know Your Customer (KYC) Norms
3.2.3 Opening and Closing of Bank Accounts
3.2.4 Loan Appraisal
3.2.5 Loan Documentation
3.2.6 Cash Management
3.2.7 Clearing System
3.2.8 Non-Performing Assets (NPA): Meaning
3.2.9 Classification of NPAs
3.2.10 Recovery of NPAs
3.2.11 Academic Importance of Banking Procedures
3.3 Banking Regulation
3.3.1 Meaning and Importance of Banking Regulation
3.3.2 Role and Functions of the Reserve Bank of India
3.3.3 Monetary Policy
3.3.4 Objectives of Monetary Policy
3.3.5 Credit Creation by Commercial Banks
3.3.6 Limitations of Credit Creation
3.3.7 Principles of Credit Assessment
3.3.8 Credit Control Measure
3.3.9 Quantitative Credit Control Measures
3.3.10 Qualitative Credit Control Measures
3.3.11 Priority Sector Lending

4. Recent Trends in Banking...................................36
4.1 Digital Banking – Concept and Evolution
4.1.1 Introduction to Recent Trends in Banking
4.1.2 Meaning and Concept of Digital Banking
4.1.3 Evolution of Digital Banking
4.1.4 Transition from Traditional Banking to Digital Banking
4.1.5 Benefits of Digital Banking to Banks
4.1.6 Benefits of Digital Banking to Customers
4.1.7 Green Banking: Concept and Significance
4.1.8 Digital Banking as a Tool for Green Banking
4.1.9 Core Banking Solutions (CBS): Meaning and Concept
4.1.10 Importance and Role of Core Banking Solutions
4.1.11 Concept of “Anytime Anywhere Banking”
4.1.12 Features of Anytime Anywhere Banking
4.1.13 Advantages of Anytime Anywhere Banking
4.1.14 Role of Regulation in Digital Banking
4.2 Mobile Banking and Internet Banking
4.2.1 Introduction to Digital Banking
4.2.2 Meaning of Mobile Banking
4.2.3 Meaning of Internet Banking
4.2.4 Types of Services Offered under Mobile and Internet Banking
4.2.5 Advantages of Mobile Banking and Internet Banking
4.2.6 Security Measures in Mobile and Internet Banking
4.2.7 Concept of Mobile Wallets
4.2.8 Popular Mobile Wallets in India
4.2.9 Advantages of Mobile Wallets
4.2.10 Risks and Security Concerns of Mobile Wallets
4.3 Cyber Security: Tips for Prevention from Cyber Attacks
4.3.1 Introduction to Cyber Security in Banking
4.3.2 Secure Use of Automated Teller Machines (ATMs)
4.3.3 Importance of Mobile Notifications for Security
4.3.4 Secure Way of Swiping Credit and Debit Cards
4.3.5 Importance of Checking Transaction Receipts
4.3.6 PIN Change for Newly Received Credit or Debit Cards
4.3.7 Protection of PIN and Confidential Information
4.3.8 Cyber Awareness as a Preventive Tool
4.3.9 Role of Banks and Regulators in Cyber Security

References..........................................................48