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Intensive Course on Banking & Finance

Name: Intensive Course on Banking & Finance
Rating: 4.3 (316 reviews)

Career oriented interactive course content designed and updated as per industry requirements to make you a professional

Created bySATISH KUMAR SAHANI

Last updated 10/2021

English

English [Auto],

What you'll learn

Basics of Banking and Finance
Principles and Practices of Banking
Bank Finance Management
Advance Bank Management
Risk Management
Prevention of Cyber Crime & Fraud
International Trade Finance
Digital Banking

Course content

15 sections • 91 lectures • 11h 32m total length

Introductions !1:48
Join an intensive banking and finance course that is career oriented, interactive, and updated to industry requirements, delivering practical insight, comprehensive knowledge, and skills in banking, risk management, and KYC.
Welcome Message !0:39

What is a Bank ?14:11
Why Banks need regulation ?11:08
What are different functions of Bank ?10:56
Balance sheet and assets of a Bank ?5:43
Understand how a bank’s balance sheet records assets, liabilities, and equity, including cash, reserves, loans, and securities, and how profitability is measured by ROA and ROE.
What is Bank Profitability and Efficiency ?7:49
Explore how commercial banks measure profitability and efficiency using ROA, ROE, net profit margin, and asset utilization. Examine factors like capital, funding costs, revenue diversification, industry structure, and governance.

Principles and Type of Lending ?9:24
Learn the principles of lending and the main loan types—commercial and industrial, real estate, agriculture, personal—and the role of credit profile and monitoring.
Regulation of Bank Credit ?11:24
Understand how Reserve Bank of India regulations shape bank lending, loan policies, and priority sector targets, and how banks assess risk, collateral, documentation, and monitoring to manage credit risk.
How a bank gives loan ?5:40
Explore how banks evaluate loan applications using character, capacity, capital, and collateral, how loan agreements secure repayment in default, and how banks may lend directly or buy loans from others.
How to analyize a Loan application ?6:04
Learn how banks assess business loan viability by analyzing cash flow, management quality, balance sheets, liquidity ratios, and credit worthiness, with emphasis on protections for large loans.
Loan Security by Banks ?5:14
Discover how banks secure loans using charges like fixed and floating charges, hypothecation, pledge, assignment, and mortgages. Explore asset-based, dealer, syndicated, and working capital financing strategies.
Comparative analysis by Banks ?6:28
Banks compare a borrower's performance against industry peers, assess contingent liabilities including environmental clearances, and analyze cash flow to determine loan repayment capacity for projects, machinery, and long-term financing.

Asset Quality Measures9:04
Explore asset quality and liquidity measures, including capital adequacy ratio, risk weighted assets, and the roles of tier one and tier two capital, plus NPA and provisioning basics.
Bank Liability Measures ?10:21
Non-Interest Income2:54
Cost Management Strategies ?9:45
Explore cost management strategies banks use to cut expenses, boost efficiency, and raise revenue, including outsourcing data processing, digitisation, and transfer pricing across branches.

Introduction to the Course7:29
Reserve Bank of India9:05
Deposit Insurance and Credit Guarantee Corporation of India5:20
Export Import Bank of India6:12
National Housing Bank4:26
National Housing Bank, an apex regulator under the Reserve Bank of India, promotes housing finance and affordable housing, supporting housing finance institutions at local and regional levels.
Securities and Exchange Board of India6:04
Sebi, India's securities markets regulator since 1992, protects investors by regulating stock exchanges and intermediaries, and by upholding a code of conduct for issuers, investors, and intermediaries.
What is Cash Reserve Ratio (CRR) ?8:50
Discover how the cash reserve ratio (CRR) set by the Reserve Bank of India controls liquidity and inflation by adjusting banks' lending against net demand and time liabilities.
Types of Bank accounts ?6:59
Learn about current, savings, recurring deposit, and fixed deposit accounts, detailing business daily transactions, interest rates, penalties, and withdrawal rules for each type.
What is Statutory Liquidity Ratio (SLR) ?9:36
Understand how the statutory liquidity ratio, currently 18 percent with the RBI, uses cash, gold, and government approved securities to safeguard liquidity.
Repo Rate and Bank Rate12:19
RBI's Monetary Policy12:17
What is MCLR ?8:42
This lecture explains mclr, the internal benchmark banks use to price floating-rate loans. It covers how banks raise funds, reset frequency, and margins influence the rate.
What is Base Rate ?5:21
Base rate is the bank's minimum lending rate based on total funds costs, with post-2016 shifts to marginal cost of funds; NBFCs use BLR linked to fund costs.
What is Capacity Cost ?3:57
Define capacity cost as the fixed expenditure needed to expand operations by creating basic infrastructure and adding production shifts. Enable expansion yet allow reduction by trimming shifts.
What is Inflation ?14:46
Explore inflation, its impact on purchasing power, price levels, and living costs, and review causes—demand-pull, cost-push, built-in—plus measures CPI, PPI, ECI, and GDP deflator.
Test Yourself !

Monetary Policy Introduction and Goals13:46
The Reserve Bank of India uses monetary policy to curb inflation and support growth, guided by inflation targeting and instruments like repo rate, reverse repo, LAF, and open market operations.
Monetary Policy Framework2:10
Explore the monetary policy framework under the amended RBA act, showing how the policy rate is set based on macroeconomic conditions and liquidity conditions to anchor money market rates.
The Monetary Policy Process4:26
Form the six-member monetary policy committee, constituted by the central government under the amended RBA Act, to set policy rates and meet the inflation target.
Instruments of Monetary Policy14:10
The lecture outlines RBI monetary policy instruments, including repo and reverse repo under the liquidity adjustment facility, MSF, bank rate, CRR/SLR, and open market operations to manage liquidity and transmission.
Open and Transparent Monetary Policy Making2:04
Research and Data6:22
Explore how the Reserve Bank of India, under the RBI Act 1934, publishes annual reports, trends in banking, and data-driven research to inform policy, financial inclusion, and public financial awareness.
Regulation of Commercial Banks11:49
Explain how the Reserve Bank of India regulates commercial banks to protect depositors' interests, promote financial inclusion through heterogeneous banking, licensing, and adherence to prudential norms and Basel standards.
Regulating Cooperative Banking Structure in India5:47
Explain India's three-tier short-term cooperative credit structure, from village-level primary agriculture credit societies to district central and state cooperative banks, outlining the regulatory duality between RBI and state governments.
Regulating NBFCs5:27
RBI regulates nonbanking financial companies to expand credit, promote financial inclusion, and diversify the financial sector, while applying prudential norms to systematically important NBFCs.
Regulating Financial Markets3:00
Reserve Bank of India regulates major market segments, including interest rate markets, money market, government securities, foreign exchange, and derivatives, to foster safe, stable markets and efficient price discovery.
Structure of Banking Industry in India23:58
The financial system of an economy is expected to support the changes in the economy.
The financial system is reflected by the structure of the banking industry.
Indian economy underwent liberalization programs beginning from 1991-92 and this has influenced the banking industry.
The banking industry that was functioning fully under a regulated environment shifted towards a competitive environment.
Changes in technology are another factor that has contributed to the structural change in the banking industry.
With the impact of global financial shocks, the Indian financial system also is undergoing the change process to meet the inherent risks in the economy.
The structural change in the banking industry that can be highlighted is the increased participation of international financial players in the Indian financial system as well as Indian financial players exhibiting a tendency towards becoming global players.
Organization of Indian Banking Industry9:49
There are mainly three forms of banks. Unit banks that are popular in the US are single unit entities confining their operations to specific localities. As against this in India branch banking is the most applied structure of a banking entity. In this structure a single bank will have a number of branches under its control operating at different places. Holding banking companies are large banking entities controlling several subsidiaries. The comparative features of the three types of banks are given in Table 2.
Banks can also be classified on the basis of ownership into nationalized banks, private banks, and foreign banks. Another way of classifying banks is on the basis of size. These can be large banks, small banks. The basis of classification can be capital size or a deposit size.
Banks can be studied by classifying them on the basis of the type of business and level of operations. For example based on the area of operation banks may be national banks, regional banks, or international banks. On the basis of business specialization they may be classified into community banks, development banks, core banks, or service banks.
Commercial banks primarily focus on deposit mobilization and lending operations. It has to operate under the overall regulatory environment created by the Central Bank in terms of its operations. Investment banks on the other hand mainly focus on serving the investment needs of different types of clients. They perform portfolio management services by marketing different schemes, participating in the initial public issues of corporate firms, and performing corporate advisory services.
Competition in Banking Industry16:21
Competition among commercial and investment banks is influenced by a different set of factors.
Some of the common factors are size, service quality, and regulatory obligations. The ability of the bank to sustain competitive forces depends on their operational efficiency, product innovation, technology support, cost of services, service quality, and human resource skills.
For an investment bank the competitive edge depends on their investment performance, innovation in their services, cost of service, number of clients handled by them, confidence in the banks, and reputation of the banks.
Given the competitive environment, the ability of the bank to foresee changes, and their flexibility in adapting to changing conditions will give them an edge.
The change factors (Figure 1) that have to be initiated by the bank to have an impact on its operations are the needs of new customers, their knowledge level, technological changes, regulatory changes, new competitors, new services, quality of human resources, and marketing efforts.
Functions of Banks in an Economy14:33
Banks being financial intermediaries provide money in the economy through credit creation and facilitating liquidity. Banks are able to generate credit many times more than the initial deposits they receive from the public subject to regulations relating to cash reserves to be maintained and customers’ cash requirements. The resources of banks are generated mainly through a variety of deposits, both short time and long term from the public. The ability of the bank to generate more deposits depends on the interest rate offered and the marketing skills of the bank. Shorter duration and higher interest on deposits will add to the operational risk of the banks.
Bank’s role in the economy is necessitated on account of differences in the preference of public in terms of maturity requirements, risk requirements, the denomination of currency, and access to adequate information. The existence of market imperfection such as transaction and contracting cost also strengthen the need for the functioning of banks.
The banking industry differs from other industries in the economy in terms of its asset structure and legal obligations and developmental functions. Besides offering a variety of loans and advances to different needy clients, banks also provide a lead role in translating the development objectives of the government through lead bank schemes and priority sector lending and financial inclusion. In the process of performing these functions, banks have to manage a variety of risks that are inherent in banking operations.
One of the major risks that affect the bank is credit risk which is reflected in the proportion of non-performing assets (NPA) held by the banks. The maturity structure of various assets and liabilities of the bank poses liquidity risk to the bank. The fluctuation in interest rates is another source of risk. Exchange rate risk arises to the bank when they provide foreign currency loans to their customers or when they make investments in foreign securities or accept foreign currency deposits.
Failure of Banks8:29
The success of the banking business depends on public confidence in the ability of the banks to meet their obligations. Banks face many financial risks such as credit risk, liquidity risk, foreign exchange risk, interest rate risk, operational risk, and market risk. The nature of assets held by the bank and the manner in which these are financed inherently causes problems for the bank. Mismatch in maturity structure in both assets and deposits lead to payment problems. Poor credit assessment and monitoring lead to an increase in non-performing assets.
As per the survey conducted by Bank for International Settlement (BIS), the major causes of bank failures are poor asset quality and management practices, fraud, and weak economic environment. Deterioration in asset quality has been attributed to loss from credit transactions, connected lending, inherited portfolios, a steep increase in commodity price movements, excessive diversification, and fraud.
Most often certain business practices forecast the failure of banks. Holding excessive loan portfolios that are not protected, deteriorating financials, and higher deposit rates than market rates have indicated the future failure of banks. Holding off-balance-sheet bank liabilities and creative accounting also disclose possible bank failures in the future.
Central banks in many countries develop models to combat bank failures. The UK, US, Spain, and Chile are some of the countries that have come out with support mechanisms and in certain cases closure of banks to restore credibility in banking.
Issuer of Currency6:52
The Reserve Bank of India issues currency notes, while the government issues coins, and oversees nationwide currency management with printing presses, currency chests, and security upgrades to deter counterfeiting.
Payment and Settlement System3:12
Explore India's payment and settlement system under the RBI, covering digital payments (NEFT, UPI, prepaid instruments), cheque truncation system, ATM and POS transactions, and regulatory oversight.
Foreign Exchange Management4:52
Explore how the Reserve Bank of India regulates and liberalizes foreign exchange, covering licensing, authorized dealers, remittance schemes, external commercial borrowings, foreign investment, and currency futures.

Trends in Banking Industry and the future of Technology7:51
Explore how internet banking and virtual banks drive fast, online financial services, enabling fund transfers and online product offerings, while addressing security, risk, and regulatory challenges.
Need for Regulation14:45
Banking Regulation and Risks11:03
Basel Commitee Norms11:54
Basle committee formed in 1974, established Basle i norms to ensure global bank supervision, eight percent tier one capital, and risk management across credit, market, and operational risks.

Introduction7:34
Explore how small finance banks drive financial inclusion in India by delivering basic banking services to the unbanked, emphasizing priority sector lending and regulatory requirements.
Guidelines for Small Finance Bank7:16
Small finance banks promote financial inclusion by providing credit to unserved and underserved groups, including small business units, micro and small industries, and marginal farmers.
Requirement for Small Finance Bank7:02
Outline capital requirements for small finance banks, including minimum paid-up capital, the 15 percent capital adequacy ratio, tier one at 7.5 percent, promoter 40 percent, and foreign investment caps.
Prudential Limits4:26
Explore prudential norms for small finance banks, detailing a robust risk framework, priority sector and private sector lending allocations, exposure limits, and NBFC-to-bank conversion rules.

Requirements

Impart Banking and Finance knowledge and skills together with technology-familiarity and customer-orientation
High quality academic rigor and specially prepared courseware
Students undertaking the course will have comprehensive and up-to-date knowledge in the subject of banking and finance
The Course offers practical insights into the subjects while, at the same time, emphasizes robust theoretical foundation
The course will make the candidates job ready
The course is so designed that most employers would value it for talent scouting
The course is cost effective and at the same time high in quality

Description

Banking is the backbone of a nation’s economy. There are numerous banking jobs available post the new Banking Licenses, Small Bank Licenses & Payments Bank Licenses issued by the RBI. The sector may create up to 20 lakh new banking jobs in the next 5-10 years. There will be a growing demand for qualified manpower for the banking and finance sector in the coming years on account of the expansion of the volume of business and large-scale retirement of personnel.

Banking and finance industry will require professionally qualified manpower endowed with banking and finance knowledge and skills together with technology-familiarity, customer-orientation and hands-on application skills who can be assigned to various desks/jobs with minimal training intervention at the bank level. In view of the huge current as well as potential demand for the professionally qualified manpower for the banking and finance sector, and to ensure a steady stream of industry-ready professionals at the entry-level.

The course will give knowledge inputs to the candidates and expose them to the operational processes and modern banking environment so that they can effectively carry out Banking and Finance related Operations. It gives an in-depth understanding of the various aspects of the Banking & Financial Service Industry and provides practical knowledge of operational aspects of the banking sector as well as the Sales aspects like selling process, relationship management.

This course will give you a comprehensive picture of the banking industry. Your chance to succeed in the high growth, high potential banking industry starts with this course.

In this course, you will receive weekly fresh new video lectures.

Benefits

The Course has been specially designed to transform you into a confident Banking and Finance professional.
It is an online learning course that prepares you in fields across Banking, Financial Services, Capital markets, Fintech and regulatory bodies & many more.
Increased complexity and changes in Banking and Finance business demand an entirely new generation of banking and finance professionals.
This course is innovative, comprehensive and prepares future banking and finance professionals.
This program not only provides participants with the knowledge of operational aspects of banking and finance but also builds on their managerial and technical skills.
There is an emphasis on contemporary practices such as Micro Finance and Global perspective in Banking and Finance, which will give insights into the current industry trends.
Increased complexity and changes in Banking and Finance business demand an entirely new generation of banking and finance professionals.
This course not only provides participants with the knowledge of operational aspects of banking and finance but also builds on their managerial and technical skills.

Key Highlights

Impart Banking and finance knowledge and skills together with technology-familiarity and customer-orientation
High-quality academic rigour and specially prepared courseware.
Students undertaking the course will have comprehensive and up-to-date knowledge in the subject of banking and finance.
The Course offers practical insights into the subjects while, at the same time, emphasizes robust theoretical foundation.
The course will make the candidate's job-ready.
The course is so designed that most employers would value it for talent scouting.
The course is cost-effective and at the same time high in quality.

Who should Pursue this course?

A solution to the difficulties of choosing what to pursue after XII or Graduation. Any student who has completed or pursuing graduation and keen on a banking job
Pursuing Post graduation or postgraduates willing to start their career with a banking Job
Working professional seeking a career in the banking sector
Ambitious heads awaiting their opportunities of working with private sector banks

Career Opportunities:

Banking Officer and Bank Manager in Nationalized, Private and Foreign Banks, Financial Analyst, Financial Planner, Portfolio Manager, Treasurer, Controller, Financial Manager, Accountant, Financial Agents etc.

What you'll learn

You will learn to become an all-rounded Banking and Finance Industry Professional.

Basics of Banking and Finance
Principles and Practices of Banking
Bank Finance Management
Advance Bank Management
Legal and Regulatory Aspects of Banking
Accounting and Finance
Risk Management
Prevention of Cyber Crime and Fraud Management
International Trade Finance
Digital Banking

Requirements

Any student who has completed or pursuing graduation and keen on a banking job
Pursuing Post graduation or postgraduates willing to start their career with a banking Job
Working professional seeking a career in the banking sector
Ambitious heads awaiting their opportunities of working with private sector banks

Why you should take this Course?

Career-oriented Course Content - A very important factor which has been kept in mind while designing all the course content is to make it relevant for the industry’s needs.
With these courses, you will get a head-start in your career
Interactive Teaching-Learning Methodology The teaching-learning process used for the programs is totally interactive
Curriculum designed and updated as per Industry requirements
This course also prepares candidates for widely popular exams conducted by IIBF

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Who this course is for:

Any student who has completed or pursuing B com, M Com, BFM, BAF, BBI, BIM, BMS, BA, B Sc and keen on a banking job.
Pursuing Post graduation or post graduates willing to start their career with a banking Job
Working professional seeking a career in banking sector
Ambitious heads awaiting their opportunities of working with private sector banks

Intensive Course on Banking & Finance

What you'll learn

Explore related topics

Course content

Welcome2 lectures • 2min

What is Banking ?5 lectures • 50min

Credit aspects of Banking ?6 lectures • 44min

Measures and Ratios4 lectures • 32min

Basics of Banking & Financial System15 lectures • 2hr 1min

Reserve Bank of India18 lectures • 2hr 37min

Trends in Banking4 lectures • 46min

Human Resource Management4 lectures • 14min

International Trade Finance1 lecture • 5min

Small Finance Bank4 lectures • 26min

Requirements

Description

Who this course is for: