Book description
Management of Banking and Financial Services 4/e, provides a thorough landscape of the banking and financial services in the country. The book addresses the issues of rapid globalization, competition nurtured by customer awareness, threat of security invasion and fraud in an era of technology savvy world, demands for transparency and the regulator’s overdrive to capital efficiency or asset quality. It has updated chapters on credit risk management, solvency, interest rate volatility and adequate liquidity which should be measured and managed.Table of contents
- Cover
- About Pearson
- Title Page
- Contents
- Foreword
- Preface to the Fourth Edition
- Overview
- Acknowledgements
- About the Authors
-
01 Managing Banking and Financial Services—Current Issues and Future Challenges
- SECTION I THE SETTING
- SECTION II CHANGE IS IN THE AIR….IS THE FINANCIAL SYSTEM BEING REVOLUTIONISED?
- Fintech
- Digital currencies
- Climate change and financial system
- SECTION III THE GLOBAL FINANCIAL SYSTEM – AFTER THE FINANCIAL CRISIS
- A Rewind to the Financial Crisis of 2007–08
- The Causes of the Crisis
- Prevalent models of banking
- Investment banks, Commercial banks and Universal banks – What is the difference?
- Macroeconomic and Financial Stability—Understanding the Linkages
- The Role of ‘Trust’ in Financial Stability
- The Role of Regulation in Ensuring Financial Stability
- The Objectives of Financial Regulation
- Financial Stability—the Over-arching Agenda for the Future
- SECTION IV THE INDIAN FINANCIAL SYSTEM—AN OVERVIEW
- Financial Stability in India
- SECTION V THE INDIAN BANKING SYSTEM—AN OVERVIEW
- The Financial Institutional Structure in India
- Who Owns the Commercial Banks in India?
- Public Sector Banks
- Private Sector Banks
- Small Finance Banks (SFB)
- Payments Banks
- Foreign Banks
- Indian Banks Operating Overseas
- Regional Rural Banks (RRBs)
- Non Banking Financial Institutions (NBFI)
- Non Banking Finance Companies (NBFC)
- Housing Finance Companies (HFC)
- Co-operative Credit Institutions
- Banking Models in India
- The Indian Financial Code (2015)
- The Way Forward…
- Technology the - game changer
- Annexure I: Banking Sector Reforms
- Annexure II: Committee on Financial Sector Reforms—2009: Main Proposals of the Raghuram Rajan Committee
- Annexure III: Select Major Policy and Legal Reforms Since 1991–92
-
02 Monetary Policy—Implications For Bank Management
- SECTION I BASIC CONCEPTS
- A Macroeconomic View
- Central Bank Tools to Regulate Money Supply
- The Impact of OMOs on Other Tools of Monetary Policy
- Central Bank Signaling Through the ‘Policy Rate’
- Popularity of the ‘Repo’ Rate as the Policy Rate
- Other Factors that Impact Monetary Base and Bank Reserves
- SECTION II APPLICATION OF THE MONETARY POLICY TOOLS IN INDIA
- The Monetary Base in India
- Measuring Money Supply in India
- Operation of Reserve Requirements in India
- Net Demand and Time Liabilities
- Operation of the Bank Rate in India
- Open Market Operations in India
- Repo Market Instruments Outside the LAF
- SECTION III MONETARY POLICY TOOLS IN SELECT COUNTRIES
- The United States of America
- Net Transaction Accounts
- The Eurosystem
- Other Developed and Developing Countries
- Annexure I: Computation of the NDTL for the Banking System in India
- Annexure II: An introduction to the money market in India
- Annexure III: Case Study: European Central Bank’s decision to bail out Greece
-
03 Banks’ Financial Statements
- SECTION I BASIC CONCEPTS
- Bank Liabilities
- Bank Assets
- Contingent Liabilities
- The Income Statement
- SECTION II FINANCIAL STATEMENTS OF BANKS OPERATING IN INDIA
- Bank Liabilities
- Bank Assets
- Income Statement of Indian Banks
- Other Disclosures to be Made by Banks in India
- SECTION III ANALYZING BANKS’ FINANCIAL STATEMENTS
- Annexure I: Moving to Wards Risk Based Assessment of Banks
- Annexure II: Key Performance Indicators (KPI) for Banks
- Annexure III: Some Alternative Models for Bank Financial Statement Analysis
- Annexure IV: Case Study: Analysis of Profitability—A Du Pont Analysis of Bank Groups in India
- Annexure V: Indian Accounting Standards (IndAS) for Banks and Other Financial Institutions
-
04 Sources of Bank Funds
- SECTION I BASIC CONCEPTS
- SECTION II BANK LIABILITIES—DEPOSITS
- Protecting the Depositor—Deposit Insurance
- Deposit Insurance in India
- SECTION III PRICING DEPOSIT SERVICES
- The Need to Price with Precision
- Some Commonly Used Approaches to Deposit Pricing
- Marginal Cost of Funds Approach
- New Cost of Funds Analysis
- Deposits and Interest Rate Risk
- SECTION IV BANK LIABILITIES—NON-DEPOSIT SOURCES
- The Funding Gap
- The Indian Scenario
- SECTION V BANK DEPOSITS IN INDIA—SOME IMPORTANT LEGAL ASPECTS
- ‘Banking’ Defined
- Who is a Customer?
- Who is Eligible to be a Customer?
- General Guidelines for Opening Deposit Accounts
- Termination of Banker–Customer Relationship
- Types of Deposit Accounts
- SECTION VI DESIGN OF DEPOSIT SCHEMES—SOME ILLUSTRATIONS
- Recurring Deposit Scheme (RD)
- Reinvestment Deposit Scheme
- Fixed Deposit Scheme
- Cash Certificates
- Annexure I: Some Important Non-Deposit Funding Sources for Banks in India and the USA
- Annexure II: Some Important Legal Provisions Relevant for Bankers
- Annexure III: A Summary of Important Legal Aspects of Bank Deposits in India
- Annexure IV: Anti-Money Laundering and Know Your Customer Guidelines—International Best Practices and Guidelines for Indian Banks
-
05 Uses of Bank Funds—The Lending Function
- SECTION I BASIC CONCEPTS
- Introduction
- Banks’ Role as Financial Intermediaries
- Gains from Lending
- Who Needs Credit?
- Features of Bank Credit
- Types of Lending
- SECTION II THE CREDIT PROCESS
- Constituents of the Credit Process
- SECTION III FINANCIAL APPRAISAL FOR CREDIT DECISIONS
- Financial Ratio Analysis
- Common Size Ratio Comparisons
- Cash Flow Analysis
- SECTION IV FUND BASED, NON-FUND BASED AND ASSET BASED LENDING—FEATURES AND POPULAR FORMS
- Fund Based Lending
- Non-fund Based Lending
- Asset Based Lending
- SECTION V LOAN PRICING AND CUSTOMER PROFITABILITY ANALYSIS
- Step 1: Arrive at Cost of Funds
- Step 2: Determine Servicing Costs for the Customer
- Step 3: Assess Default Risk and Enforceability of Securities
- Step 4: Fixing the Profit Margin
- Some More Models of Loan Pricing
- Annexure I: Risk Classification Criteria
- Annexure II: The Importance and Role of Credit Rating Agencies (CRAS)
- Annexure III: Credit Appraisal—Some Commonly Used Financial Ratios
- Annexure IV: Income Statement-Based Cash Flow Analysis
- Annexure V: Case Study: LIBOR – The Benchmark and the Manipulation
-
06 Banks in India—Credit Delivery and Legal Aspects of Lending
- SECTION I MODES OF CREDIT DELIVERY
- Cash Credit
- Loan System for Delivery of Bank Credit—The Working Capital Demand Loan
- Overdrafts
- Bills Finance
- Pricing of Loans
- Exemptions
- SECTION II LEGAL ASPECTS OF LENDING
- What are Unsecured Loans?
- What are Secured Loans?
- What is a ‘Security’?
- Annexure I: Types of Borrowers and Modes of Lending
- Annexure II: Reclassification of Borrowers’ Financial Statements for Credit Appraisal
- Annexure III: Some Common Securities for Bank Loans
- Annexure IV: Case Study — Credit Appraisal
-
07 Credit Monitoring, Sickness and Rehabilitation
- SECTION I BASIC CONCEPTS
- The Need for Credit Review and Monitoring
- Triggers of Financial Distress
- Financial Distress Models—The Altman’s Z-Score
- Some Alternate Models Predicting Financial Distress
- The Workout Function
- SECTION II CREDIT INFORMATION COMPANIES IN INDIA
- CIBIL and Loan Approval
- Other Credit Information Companies in India
- Debt Restructuring and rehabilitation of sick firms in India—the Workout function
- What is Restructuring?
- Criteria for Considering Restructuring
- Relief Measures under Restructuring
- Valuation of Restructured Advances
- Annexure I: Warning Signs that Banks Should Look out for—An Illustrative Checklist
- Annexure II
- Annexure III: Case Studies: CDR and SDR
-
08 Managing Credit Risk—An Overview
- SECTION I BASIC CONCEPTS
- Expected Versus Unexpected Loss
- Defining Credit Risk
- International guidelines and standards for Credit Risk management – The Basel Committee on Banking Supervision (BCBS)
- Classifying ‘Impaired’ Loans
- Loan Workouts and Going to Court for Recovery
- Credit Risk Models
- SECTION II MEASURING CREDIT RISK— INTRODUCTION TO SOME POPULAR CREDIT RISK MODELS
- A Basic Model
- Modeling Credit Risk
- SECTION III CREDIT RISK TRANSFERS— SECURITIZATION, LOAN SALES, COVERED BONDS AND CREDIT DERIVATIVES
- SECURITIZATION
- Asset Reconstruction Companies (ARC)
- Covered Bonds
- Legislation on covered bonds—select countries
- Credit Derivatives
- Some Basic Credit Derivative Structures
- SECTION IV TREATMENT OF CREDIT RISK IN INDIA—SOME IMPORTANT EXPOSURE NORMS, PRUDENTIAL NORMS FOR ASSET CLASSIFICATION, INCOME RECOGNITION AND PROVISIONING
- Some Important Exposure Norms
- Large Exposures Framework (LEF)
- Prudential Norms for Asset Classification, Income Recognition and Provisioning
- Income Recognition
- Asset Classification
- SECTION V TREATMENT OF CREDIT RISK IN INDIA—SECURITIZATION AND CREDIT DERIVATIVES
- Securitization—The Act
- Securitization—the Guidelines
- Sale of Assets by Banks not Involving SC/RC
- Strengthening the securitization framework in India
- Asset Reconstruction companies in India
- How do ARCs work?
- Securitization—The Indian Experience
- India’s Securitization market in 2016
- Credit Derivatives in India
- Annexure I: Basel Committee Documents on Credit Risk Management
- Annexure II: Salient Features of Securitization
- Annexure III: Case Study: Kingfisher Airlines –A High Profile NPA
-
09 Managing Credit Risk—Advanced Topics
- SECTION I BASIC CONCEPTS
- Estimating PD, EAD and LGD—The Issues
- Why Do We Need Credit Risk Models?
- Credit Risk Models—Best Practice Industry Models
- SECTION II SELECT APPROACHES AND MODELS—THE CREDIT MIGRATION APPROACH
- The Credit Migration Approach (Used by Credit Metrics)
- Model Applied to Loan Commitments
- Calculation of Portfolio Risk
- The Credit Migration Approach (Used by CreditPortfolioView)
- SECTION III SELECT APPROACHES AND MODELS—THE OPTION PRICING APPROACH
- The KMV Model
- Improvements Made to the Basic Structural Model in the Current Version EDF8.0
- SECTION IV SELECT APPROACHES AND MODELS—THE ACTUARIAL APPROACH
- Credit Risk+™ Model
- SECTION V SELECT APPROACHES AND MODELS—THE REDUCED FORM APPROACH
- Kamakura Risk Manager Version 8.0 and Kamakura Public Firm Models Version 5.0
- A Brief Description of the Approaches Follows
- Which Model is Better—Structured or Reduced Form?
- SECTION VI PRICING CREDIT DERIVATIVES
- Pricing Credit Default Swaps—Understanding the Cash Flows
- Pricing Credit Default Swaps—Grasping the Basics
- Pricing Collateralized Debt Obligations—The Basics
- SECTION VII CREDIT RISK MEASUREMENT AFTER THE FINANCIAL CRISIS
- The Financial Crisis—An Overview and Analysis
- Current Developments and Regulatory Changes
- Some developments
- SECTION VIII A NOTE ON DATA ANALYTICS AND BUSINESS SIMULATION
- Business Simulations: 5 Reasons Why Business Simulations Are Great Learning Tools
- Annexure I: Case Study-The Global Credit Crisis—A Brief Chronology of Events in 2007–08
-
10 Managing Market Risk—Banks’ Investment Portfolio
- SECTION I BASIC CONCEPTS
- The Treasury Functions
- Risks and Returns of Investment Securities
- SECTION II MEASURING MARKET RISK WITH VAR AND EXPECTED SHORTFALL (ES)
- Approaches to VaR Computation
- ES and VaR – a comparison
- SECTION III BANKS’ INVESTMENT PORTFOLIO IN INDIA—VALUATION AND PRUDENTIAL NORMS’
- Classification of the Investment Portfolio
- Valuation of Investments
- Investment Reserve
- Determination of ‘Market Value’ While Marking to Market (HFT and AFS Categories)
- ‘Non-Performing’ Investments
- Income Recognition
- Annexure I: Case Study—LTCM Collapse and Link with VaR
- Annexure II: Summary of Regulatory Responses to Market Risk Measurement Practices by Banks After the Global Financial Crisis
-
11 Capital—Risk, Regulation and Adequacy
- SECTION I BASIC CONCEPTS
- Why Regulate Bank Capital?
- To What Should Capital be Linked to Ensure Bank Safety?
- The Concept of Economic Capital
- The Concept of Regulatory Capital
- SECTION II RISK-BASEDCAPITAL STANDARDS—REGULATORY CAPITAL
- Demystifying the Basel Accords I, II and III
- Basel Accord I
- Basel Accord II
- Basel Accord III
- Basel IV –or is it Basel 3.5? Move to More Regulatory Approaches to Risk Measurement
- SECTION III APPLICATION OF CAPITAL ADEQUACY TO BANKS IN INDIA
- Capital Components–Banks in India
- Capital Funds of Banks Operating in India
- Counter Cyclical Capital buffer (CCCB)
- Leverage Ratio
- Capital Measure
- Exposure Measure : General Measurement Principles
- Calculating Capital Charges and Risk-Weighted Assets
- SECTION IV ILLUSTRATIVE PROBLEMS ON CALCULATING CAPITAL ADEQUACY
- Steps for Computing Risk-Weighted Assets
- Annexure I: Determination of Risk Weighted Assets Under the Basel Norms
- Annexure II: The Financial Crisis of 2007—Basel II and the Blame Game
- Annexure III: Pillars II and III of Basel III Accord and Their Application to Indian Banks
- Annexure IV: Capital Adequacy Ratios of Indian Banks—Some Comparative Charts
-
12 Managing Interest Rate and Liquidity Risks
- SECTION I THE CHANGNG FACE OF BANKING RISKS
- SECTION II ASSET LIABILITY MANAGEMENT
- SECTION III INTEREST RATE RISK MANAGEMENT
- Interest rate risk in the banking book - Basel committee standards - Salient features
- Types of risks
- Revised Principles for IRRBB
- The standardised framework
- Overall structure of the standardised framework
- Components of the standardised framework
- Calculation of change in Economic Value of Equity (ΔEVE)
- Calculation of change in projected Net Interest Income (ΔNII)
- Components of interest rates
- IRRBB and CSRBB
- Measuring Interest Rate Risk
- Managing Interest Rate Risk—A Strategic Approach
- Interest Rate Risk or Model Risk?
- Alternative Methods to Reduce Interest Rate Risk
- SECTION IV MANAGING INTEREST RATE RISK WITH INTEREST RATE DERIvATNES
- Swaps
- Interest Rate Futures
- Forward Rate Agreements (FRAs)
- Interest Rate Options
- Interest Rate Guarantees
- Swaptions
- Arbiloans
- Derivatives Market Growth—The Issues
- SECTION V LIQUDITY RISK MANAGEMENT AND BASEL III
- Sources of Liquidity Risk
- Modern Approaches to Liquidity Risk Management
- Approach to Managing Liquidity for Long-Term Survival and Growth
- Approach to Managing Liquidity in the Short Term— Some Tools for Risk Measurement
- Basel III—The International Framework for Liquidity Risk Measurements, Standards and Monitoring
- SECTION VI APPLICABILITY TO BANKS IN INDIA
- Interest Rate Derivatives in India
- The Exchange Traded Interest Rate Derivatives in India
- ALM Framework for Indian Banks
- Liquidity Risk Management in Indian Banks
- Annexure I: Theories of Interest Rates
- Annexure II: Concept of Duration and Convexity
- Annexure III: Features of a Sound Liquidity and Funds Management Policy and Symptoms of Potential Liquidity Risk
- Annexure IV: Management of Liquidity Risk in Financial Groups—Key Findings
- Annexure V: ALM in India—Classification of Bank Liabilities and Assets According to Rate Sensitivity and Maturity Profile
- Annexure VI: Case Study—Northern Rock Liquidity Crisis
-
13 Banking Functions, Retail Banking and Laws in Everyday Banking
- SECTION I BASIC CONCEPTS
- Negotiable Instruments
- Types of Deposits
- Non-Resident Indian (NRI) Accounts
- Mandates and Power of Attorney
- SECTION II RETAIL BANKING-NATURE AND ScoPE
- Why Banks Focus on Retail Business
- Emerging Issues in Handling Retail Banking
- SWOT Analysis of Retail Banking
- Strategies for Success in Retail Banking
- SECTION III CUSTOMER RELATIONSHIP MANAGEMENT (CRM)
- Marketing—Coin
- CRM Strategies/Steps
- Three Tip Questions for Managers
- Image-Building Exercises
- Blending Tradition with Technology
- SECTION IV LAWS IN EVERYDAY BANKING
- Key Acts That Govern the Functioning of the Banking Sector
- Different Customers—Different Laws
- Bank-Customer Relationship
- Rights of a Banker
- Obligations of a Banker
- Case Study: Savings Account is Not an Investment Tool
-
14 Banking System—Services and Innovations
- SECTION I COMMERCIAL BANKING SYSTEM AND STRUCTURE
- Globalization and Innovations
- SECTION II CASE STUDIES OF BANKS
- The ICICI Bank
- HSBC Bank
- The State Bank of India (SBI)
- SECTION III CASE IN DETAT—HSBC BANK
- Accounts
- Credit Cards
- Standard Privileges for HSBC Card Holders
- Loans
- Wealth Management
- Insurance
- Special Offers
- Case Questions
- Case Study: Interest Rates and Prof Bond
-
15 International Banking—Foreign Exchange and Trade Finance
- INTRODUCTION
- SECTION I BASIC CONCEPTS
- Exchange Rates
- FOREX Market
- Transfer Systems
- Direct and Indirect Quotations
- Functioning of Foreign Exchange Market
- SECTION II INTER-BANK MARKET AND FOREX DEALING
- Forex Dealing Room Operations
- Spot, Forward, Cash, TOM Rates in an Inter-Bank Market
- Bid and Offer Rates
- Foreign Exchange Market
- SECTION III TRADE FINANCE —LETTERS OF GREDIT
- Financing International Trade Through Letters of Credit
- Flowchart Depicting a Typical Import Transaction with Letter of Credit
- SECTION IV TRADE FINANCE — FINANCING EXPORTERS
- Features of Packing Credit in Local Currency
- Features of Pre-Shipment Credit in Foreign Currency (PCFC)
- Post-Shipment Finance
- SECTION V FOREIGN CURRENCY LOAN (FCL)
- Features of Foreign Currency Loans
-
16 High-Tech Banking—E-Payment Systems and Electronic Banking
- SECTION I BASIC CONCEPTS
- Why Do We Need Technology in Banking?
- Benefits of Electronic Banking
- SECTION II E-PAYMENTS
- The Importance of Payments and Settlement Systems
- International Standards and Codes for Payment and Settlement Systems
- SECTION III RETAIL PAYMENT SYSTEMS
- Paper-Based Instruments in Retail Payment Systems—An Overview
- Electronic Retail Payment Systems—An Overview
- SECTION IV PLASTIC MONEY AND E-MONEY
- Credit Cards
- Debit Cards
- Credit and Debit Cards in India
- Other Payment Channels/Products
- SECTION V SECURITY ISSUES IN E-BANKING
-
17 Understanding Financial Services
- SECTION I NON-BANKING FINANCIAL COMPANY
- SECTION II VENTURE CAPITAL AND PRIVATE EQUITY
- Stages in Venture Capital (VC) Investing
- SECTION III CREDIT CARDS
- Major Parties Involved in Credit Card Transaction
- Working of Credit Cards
- Charges and Profits in Credit Card Transactions
- SECTION IV HOUSING FINANCE
- SECTION V IPO (INITIAL PUBLIC OFFERING)
- SECTION VI MICROFINANCE
- Challenges
- SECTION VII Pension Funds
- Pension Funds in India
- SECTION VIII Alternate investments
- Commodities
- Hedge Funds
- SECTION IX CONSUMER RIGHTS AND PROTECTION APPLICABLE TO FINANCIAL SERVICES
- Consumer Protection and Regulation in India
-
18 Insurance Services
- SECTION I BASIC CONCEPTS
- Basic Features of Insurance Contracts
- Benefits of Insurance
- Types of Insurance Products
- SECTION II INDIA'S INSURANCE SECTOR-AN OVERVIEW
- The Insurance Sector
- Changing Scenario of the Life Insurance Sector
- Insurance Regulatory Development Authority (IRDA)
- IRDA Regulations
- Life Insurance Corporation of India
- Export Credit Guarantee Corporation of India (ECGC)
- SECTION III BANKS AND INSURANCE SERVICES-BANCASSURANCE IN INDIA
- How Does Bancassurance Help Banks?
- How Does Bancassurance Help Insurance Companies?
- How Does Bancassurance Help Customers?
- SECTION IV GLOBAL INSURANCE INDUSTRY, OPPORTUNITIES AND CHALLENGES
- The Industry After the Financial Crisis
- Challenges
- Opportunities
- Convergence
- The Growth of Insurance Demand
-
19 Mutual Funds, Securities Trading, Universal Banking and Credit Rating
- SECTION I MUTUAL FUNDS
- Advantages of Mutual Funds
- Types of Mutual Funds
- Important Terms
- SECTION II TRADING IN SECURITIES/SHARES
- Factors Behind Growth of Online Trading
- Impact on Securities Market
- SECTION III UNIVERSAL BANKING
- Size and Market Power
- Diversification—Insurance and Securities
- Core of Universal Banking
- Impartial Investment Advice
- Benefits to Banks
- Benefits to Customers
- Challenges
- SECTION IV CREDIT RATING SERYICES
- Credit Rating—An Overview
- Information to Investors
- Benefits to Issuers
- Benefit to the Regulators
- Differences of Opinion in the Credit Rating Industry
-
20 Cash Management and Demand Forecasting in ATMs
- SECTION I INTRODUCTION
- SECTION II THE CASE OF BHARATH BANK
- Outsourced Agents for ATMs
- SECTION III THE CASE OF GLOBAL BANK
- Information Flow in the Supply Chain—Role of IT Infrastructure
- SECTION IV CASH DEMAND FORECASTING
- Time Series Analysis of Cash Withdrawals from ATMs
- Sales Trends and Other Factors
- Annexure I: ATM—Post- and Pre-Installation Activities
- 21 Mergers and Acquisitions in the Banking Sector
-
22 Innovations in Products and Services—Cases of Three Banks
- CASE STUDY I BARCLAYS BANK
- UK Banking
- Barclay Card
- Barclays Capital
- Barclays Global Investors
- Barclays Wealth Management
- Performance and Governance
- Products and Services
- Other Services
- Savings and Investment
- Recent Initiatives
- Barclays Strategy
- Case Questions
- CASE STUDY II ING VYSYA BANK
- Milestones of the Bank Over the Long Years of Its Services
- The Origin of ING Group
- The New Identity: ING Vysya Bank
- Customer Relationship Management
- IT Implementation for Quick Customer Response
- Retail Banking
- ING Vysya Bank’s Retail Banking Strategy
- Case Questions
- CASE STUDY III STATE BANK OF INDIA
- Features of the State Bank of India
- Primary Activities
- Secondary Activities
- Products and Services
- Case Questions
-
23 Innovations in Products and Services in Banking—Cases of Public and Private Sector Banks
- CASE STUDY I CORPORATION BANK
- Personal Banking
- Loan Schemes
- Cards
- High-Tech Banking Products and Services
- Products and Services for Non-Residents
- Important Services
- Case Questions
- CASE STUDY II SOUTH INDIAN BANK
- Introduction
- SIB Deposit Schemes
- Loans and Advances
- NRI Schemes
- Other Service Features Offered by SIB
- Case Questions
- Appendix: Objective-Type Questions on Commercial Banking
- Index
- Copyright
Product information
- Title: Management of Banking and Financial Services, 4e
- Author(s):
- Release date: October 2018
- Publisher(s): Pearson India
- ISBN: None
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