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Back Cover

Commercial Bank Management offers a comprehensive and structured understanding of the principles, practices, operations, and contemporary challenges of commercial banking, with particular emphasis on the Indian banking and financial system. The book begins with the foundations of the financial system, covering its structure, design, transactions, regulation, financial inclusion, financial markets, regulators, and the evolution of banking and payment systems in India. It then examines the major phases of the banking industry, including nationalisation, reforms, diversification, changing banking structures, RBI functions, and technological developments in banking and electronic payments.

The book explores contemporary issues such as bank and NBFC failures, macroeconomic influences, corporate governance, NPAs, financial stability, IBC, PCA, bail-in and bail-out mechanisms, and emerging risks in banking. It also examines marketing strategies, innovative banking products, green banking, and relationship banking.

Further, the book provides detailed coverage of liquidity management, resource allocation, capital adequacy and Basel norms, along with retail, corporate, private and rural banking. It discusses credit appraisal, loans and advances, working capital, SME and MSME financing, guarantees, trade finance, foreign exchange dealings, investment management, treasury operations, and NPA management.

The book concludes with financial statement analysis, profitability evaluation, transfer pricing, asset-liability management, interest-rate risk, and credit-risk management, making it useful for management students, banking professionals, finance practitioners, and researchers.

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Description

Salient Features

  1. Foundations of the Financial System

Explains the structure, design, transactions, regulation, financial markets, financial inclusion, and evolution of the Indian and international financial systems.

  1. Evolution of the Indian Banking Industry

Covers nationalisation, growth, reforms, diversification, banking structures, RBI functions, and the technological evolution of banking and payment systems.

  1. Contemporary Banking Issues

Examines bank and NBFC failures, macroeconomic factors, corporate governance, financial stability, IBC, PCA, bail-in and bail-out mechanisms, and banking risks.

  1. Strategic Bank Marketing

Explores marketing concepts, innovative products and services, green banking, relationship banking, and formulation and implementation of banking strategies.

  1. Liquidity and Resource Management

Covers liquidity objectives, sources and measurement, liquidity-profitability challenges, liquidity management theories, and allocation of bank funds.

  1. Capital Adequacy and Basel Norms

Provides a focused understanding of capital funds, capital adequacy requirements, Basel norms, and capital adequacy practices in Indian commercial banks.

  1. Retail, Corporate, Rural and Private Banking

Covers banking operations, products, policies, loans and advances, personal and term loans, working capital, SME/MSME financing, private banking, bancassurance, and financial planning.

  1. Credit and NPA Management

Addresses credit appraisal, credit rating, loan pricing, securities and documentation, NPA causes and management, prudential norms, and measures for containing NPAs.

  1. Trade Finance, Investment and Treasury Operations

Covers trade finance, foreign exchange dealings, innovative financial instruments, investment management, portfolio review, treasury operations, and off-balance-sheet activities.

  1. Bank Performance, ALM and Risk Management

Develops understanding of bank financial statements, profitability, transfer pricing, asset-liability management, interest-rate risk, and credit-risk management.