Navigating the intricate world of banking regulations can be a daunting task, but the ‘Legal & Regulatory Aspects of Banking [4th Edition – 2021]’ by IIBF, published by Macmillan, offers a comprehensive guide. Perfectly tailored for JAIIB aspirants, this indispensable resource demystifies complex legal frameworks and regulatory protocols.
With clear explanations and up-to-date insights, it equips professionals with the knowledge needed to excel in their exams. Download the Legal & Regulatory Aspects of Banking by IIBF PDF and take your first step towards mastering the essential legalities of the banking sector.
Enrich your study sessions and stay ahead in your career.
Legal & Regulatory Aspects of Banking [4th Edition – 2021] – IIBF PDF
For JAIIB & DBF Exams
The book, designed as the courseware for the Legal & Regulatory Aspects of Banking paper, explores the laws and regulations affecting banking operations. These topics are integrated into the chapters to ensure their significance is clear. It covers banking and business laws relevant to daily banking activities at suitable intervals.
Case laws are presented where appropriate. While primarily aimed at banking professionals and candidates for the JAIIB and Diploma in Banking & Finance exams, the book will also be valuable to anyone interested in understanding banking laws and legal practices in India.
Legal Framework of Regulation of Banks Business of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949; Role of RBI; Govt. as a Regulator of Banks; Control over Cooperative Banks; Regulation by other Authorities.
Control Over Organization of Banks Licensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves; Shareholding in Banking Companies; Subsidiaries of Banking Companies; Board of Directors; Chairman of Banking Company; Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance; Directors and Corporate Governance.
Regulation of Banking Business Power of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances; Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines; Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets in India.
Returns Inspection, Winding up, Mergers & Acquisitions Annual Accounts & Balance Sheet; Audit & Auditors; Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings; Amalgamation of Banks; Winding up of Banks; Penalties for offences.
Public Sector Banks and Cooperative Banks SBI and its Subsidiaries; Regional Rural Banks; Nationalized Banks;Application of BR Act to Public Sector Banks; Disinvestment of Shares by Govt.; Cooperative Banks
Financial Sector Legislative Reforms Need, Approach for Financial Sector Legislative Reforms; Important Reforms Recent Legislative Changes in RBI Act Recent Legislative Changes in RBI Act, Need thereof
Financial Sector Development Council Role and Functions of Financial Sector Development Council
MODULE B – LEGAL ASPECTS OF BANKING OPERATIONS
Different Types of Borrowers Types of Borrowers; Limited Liability Partnership
Types of Credit Facilities Cash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance
Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company
Indemnities Definition of Contract of Indemnity; Features of Indemnity Contract & Guarantee; Scope and Application of Indemnity Contracts to Banks; Obligations of a Banker; Precaution & Rights of an Indemnity Holder
Bank Guarantees Definition and Types of Bank Guarantees; Banker’s Duty to Honour Guarantee; Precautions to be taken for Issuance of Bank Guarantee; Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement
Letters of Credit General Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit; Documents under a Letter of credit; UCPDC 600; Banks obligation for payment of Letter of credit
Deferred Payment Guarantees Purpose of DPGs; Methods of Payment
Laws Relating to Bill Finance Class of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker
Various Types of Securities Types of Securities; Escrow Arrangements; Trust and Retention Arrangements. Laws Relating to Securities and Modes of Charging I Mortgage; Types of Mortgage; Enforcement of Mortgages Laws Relating to Securities and Modes of Charging II Lien; Pledge; Hypothecation; etc.
Registration and Satisfaction of Charges Definition of Charge; Procedure for Registration of Charge; Effect of Non- registration of Charges; Provisions of Law relating to Registration of Charges
Case Laws on Responsibility of Paying Bank Negotiable Instruments Act and Paying Banks; Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable
Case Laws on Responsibility of Collecting Bank Statutory protection to Collecting Bank; Duties of Collecting Bank
MODULE C – BANKING RELATED LAWS
Recovery of Debts due to Banks and Financial Institutions Act, 1993 (DRT Act) Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI) Constitutional Validity; Definitions; Regulation & Reconstruction; Enforcement of Security Interest; Central Registry; Offences & Penalties; Miscellaneous Provisions
Bankers Books Evidence Act, 1891 Applicability; Definition; Important Provisions
The Legal Services Authorities Act, 1987 Lok Adalats- Organisation; Jurisdiction; Disposal of Cases; Awards
The Consumer Protection Act, 1986 and CERSAI Preamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies; Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India
The Law of Limitation Definition; Computation of Limitation; Important Provisions in schedule to the Limitation Act
Tax Laws Income Tax; Commodity Transaction Tax; Goods and Services Tax Negotiable Instruments Act, 1881 Applicability; Definition; Important Provisions Payment & Settlements Systems Act, 2007 Applicability; Definition; Important Provisions
MODULE D – COMMERCIAL LAWS WITH REFERENCE TO BANKING OPERATIONS
Indian Contract Act, 1872 Meaning and essentials of contract; Contract of Indemnity & Rights of Indemnity Holder; Contract of Guarantee; Contract of Bailment; Contract of Pledge; Contract of Agency
The Sale of Goods Act, 1930 Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of Unpaid Seller
Indian Partnership Act, 1932 Definition & Types of Partnerships; Relation of partners to one another & to third Parties; Minor admitted to benefits of partnership; Dissolution of a firm; Effect of non registration; Limited liability partnerships-formation, registration, rights and liabilities of partners
Definition and Features of a Company Definition & Features of a Company; Distinction between Company and Partnership
The Companies Act, 1956 (now Companies Act, 2013) Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of Company Acquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding up of Companies
Foreign Exchange Management Act, 1999 Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement
Transfer of Property Act, 1882 Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court intervention; Lease of Immovable Property
The Right to Information Act, 2005 Applicability; Definition; Important Provisions Right To Information and Obligation of Public Authorities Obligations; Procedure; Disposal; Appeal; Orders; Penalties
The Prevention of Money Laundering Act, 2002 Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information; Maintenance & Verifications of Records of Identity of Clients
Information Technology Act, 2000 Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates; Penalties; Appeal
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