Cover
Title
Copyright
Contents
Preface
Chapter 1. Cooperative Credit: Meaning, Classification And Structure
Meaning of Credit
Types of Credit
Agriculture Credit
Credit Cooperatives
Integration of Short-term and Long-term Credit Structures
Review Questions
Chapter 2. Primary Agricultural Credit Societies (PACS)
Evolution and Growth
Area of Operation of PACS
Functions
Resources
Loans
Crop Loan System
Kisan Credit Card
Linking of Credit with Marketing
Overdues
Farmers Service Cooperative Societies (FSCS)
Large-Sized Adivasis Multi-Purpose Cooperative Societies (LAMPS)
State Tribal Cooperative Development Corporation/Federation
Tribal Cooperative Marketing Federation (TRIFED)
Non Credit Activities of PACS
National Agricultural Insurance Scheme
Problems of PACS
Suggestions for Development of PACS
Review Questions
Chapter 3. Banking
Genesis and Progress of Banking
Banking in India
Modern Banking in India
Nationalization of Banks
Banking Sector Reforms
Deregulation
Consolidation of Public Sector Banks
Banking System
Cooperative Banks
Commercial Banks
Regional Rural Banks
Local Area Banks (LABs)
Differentiated Banks
Review Questions
Chapter 4. District Central Cooperative Banks
Origin
Types of DCCBs
Area of Operation
Membership
Objectives
Management
Organization
Resources
Minimum Involvement
Loans and Advances
Scale of Finance
Seasonality in Lending
Overdues
Non-Overdue Cover
Recovery
Supervision
Development Action Plan (DAP)
Problems of DCCBs
Suggestions for Development
Review Questions
Chapter 5. State Cooperative Banks
Need for State Cooperative Banks
Origin and Growth
Objectives
Membership
Management
Resources
Seasonal Agricultural Operation (SAO)
Support to Weavers Cooperatives
Loan and Advances
Problems of Scb s
Suggestions for Development
Review Questions
Chapter 6. Cooperative Agriculture Rural Development Banks (CARDBs)
Need for Separate Agency for Long-term Credit
Origin and Growth
Present Position
Structure
Primary Cooperative Agriculture Rural Development Banks (PCARDBs)
Loans and Advances
State Cooperative Agriculture Rural Development Banks (SCARDBs)
Debentures
Loans and Advances
Problems of CARDBs
Suggestions for Development
Review Questions
Chapter 7. Urban Cooperative Banks (UCBs)
Genesis and Progress Prior to Bringing UCBs Under Br Act
Genisis and Progress after Bringing UCBs Under BR Act
Area of Operation
Objectives
Structure
Membership
Management
Board of Management
Source of Finance
Deposit Insurance and Credit Guarantee Corporation (DICGC)
Investment
Loans and Advances
Unit Banking Vs. Branch Banking
Branch Licensing Policy of RBI
Mahila Banks
Rating Model for UCBs
Role of RBI in the Development of UCBs
Committees Appointed by Rbi for UCBs
Problems
Suggestions for Development
Review Questions
Chapter 8. Employee Cooperatives
Need
Progress
Types
Membership
Objectives
Management
Deposits
Borrowings
Loans
Problems
Suggestions for Development
Review Questions
Chapter 9. Industrial Cooperative Bank
Origin
Working Group on Industrial Finance
Importance of Industrial Cooperative Banks
State Industrial Cooperative Bank – Taico Bank Ltd
Membership and Management
Resources
Loans
Review Questions
Chapter 10. National Level Federations
National Federation of State Cooperative Banks (NAFSCOB)
National Cooperative Agriculture and Rural Development Banks Federation (NCARDBF)
National Federation of Urban Cooperative Banks and Credit Societies (NAFCUB)
Review Questions
Chapter 11. National Bank For Agriculture And Rural Development
Genesis
Objectives
Management
Role of Nabard in Assisting Credit Cooperatives
Task Force on Revival of Cooperative Credit Institutions (STCCS)
Self Help Groups (SHGs)
Joint Liability Groups (JLGs)
Farmers’ Clubs
Review Questions
Chapter 12. Financial Inclusion
Reasons for Financial Exclusion
Committee on Financial Inclusion
Review Questions
Chapter 13. Overdues, Non-Performing Assets And Prudential Norms
Overdues
Causes of Overdues
Non Performing Assets
Income Recognition, Asset Classification and Provisioning
Review Questions
Chapter 14. Banking Laws
Banking Regulation Act, 1949
Prevention of Money Laundering Act (PMLA) 2002 and Know Your Customer (KYC) Norms
Negotiable Instrument Act, 1881
Protection to Paying Banker
No Protection to Paying Banker
Crossing of Cheque
Double Crossing (Section 127)
Endorsement (Section 15)
Dishonour of Cheque
Dishonour of Cheque for Insufficiency of Funds (Section 138)
Ingredients for Considering as an Offence
Review Questions
Chapter 15. Banking Operations
Products Offered by Banks
Priority Sector Lending
Consortium Scheme
Types of Customers
Banker-Customer Relationship
Banking Technology
Management of Funds in Banks
Profit Planning
Break-even Level of Business
Basel Norms
Banking Ombudsman
Productivity in Banks
Review Questions
Chapter 16. Investment Management
Investment Management in Banks
Concept of Risk in Investment
Investment Management
Investment Banking
Investment Bank
Money Market Instruments
Treasury Operator
Government Securities
Treasury Bills
Bonds
Mutual Funds
Review Questions
Chapter 17. Common Accounting System And Mis
Role of NABARD in CAS
Components of CAS
Features of CAS
Books Prescribed under CAS
Financial Statements of PACS
Management Information System (MIS)
Review Questions
Annexure
References
Index
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