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JAIIB
NOV 01/2006
WELCOME TO VIRTUAL
CLASS ROOM SESSSIONS
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RESERVE BANK OF INDIA
SUPERVISORY & REGLATORYISSUANCE OF CURRENCY NOTES
CREDIT CONTROLEXCHANGE CONTROLTRANSFER OF FUNDS
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BANKER-CUSTOMER
RELATIONSHIP
DEBTOR-CREDITOR CREDITOR-DEBTOR
AGENT-PRINCIPAL LESSOR-LESSEE BAILEE-BAILOR
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Garnishee Order A garnishee order is issued by a courtEx: Rajesh
borrows money from Balaand fails to repay. Bala files a suit
underCivil Procedure Code and the Court issuesa decree and attaches
the funds in Rajeshs bank account with bank A.The order issued by
the Court on bank A is called Garnishee Order Rajesh is the
judgement creditorBala is the Judgement debtor. Bank A isJudgement
debtors debtor
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BANKERS DUTIES &RESPONSIBILITIESPAYING BANKER
PAYMENT OFCHEQUES
PAYMENT INDUE COURSE
APPARENTTENOR
PAYMENT INGOOD FAITH
WITHOUTNEGLIGENCE
NEGOTIABLE INSTRUMENTS
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CHEQUES
OPEN
CROSSED
ORDER
BEARER
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NEGOTIABLE
INSTRUMENTSBANKERS
DUTIES&RESPONSIBILITIESC0LLECTINGBANKERCOLLECTION OFCHEQUES
HOLDER INDUE
COURSE
CONSIDERATION TITLE IBEFOREMATURITY
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WORKING CAPITAL OPERATINGCYCLE
BILLSREALISED
CREDITSALES
BILLS PAYABLE
RAWMATERIAL
SEMI FINISHEDPRODUCTS
FINISHED PRODUCTS
CASH
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CHARGES
HYPOTHECATION PLEDGE
MORTGAGE ASSIGNMENT LIEN SET OFF
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Non-Fund Based Finance
BANK GUARANTEE
CO-ACCEPTANCEOF BILLS
LETTERS OFCREDIT
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CAMELS - MODEL
Capital Adequacy Asset Quality
Management Earnings Liquidity Systems & Control
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6 CsCHARACTERCAPTIAL
CAPACITYCOLLATERALCONDITION
COMPLIANCE
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Claytons Case
Applicable only to aa) joint a/c and or a partnership a/c
b) running c/c and o/d a/csc) Not to two different a/cs
(Right of set off is applicable)
Based on the concept of Appropriation
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ALL THE BEST & THANK
YOUT.M.C.VARADARAJANTEL : 022-25638965 (R)
022-66364206 (O)e.mail: [email protected]
[email protected]
mailto:[email protected]:[email protected]:[email protected]:[email protected]
