SCDL Keywords-Financial Institutions and Banking-FIB

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	Financial Institutions and banking
	unit 1:-overview of the markets-meaning and scope
1	classification of the financial system	3
2	organised sector	3
3	unorganised sector	3
4	providers of financial services	3
5	organised financial system	3
6	unorganised financial system	4
7	classification of the basis of the institutional functions and the role	4
8	commercial banks	5
9	developmental financial institutions	5
10	other public sector financial institutions	5
11	post office savings bank	5
12	national bank for agriculture and rural development	5
13	mutual fund	6
14	non-banking financial institutions	6
15	financial institution DFI	6
16	developmental financial institutions	6
17	historical background	7
18	major reasons for the present conditions of the FI's	7
19	government's attempt in bailing out these institutions	8
20	options to be considered for changes in the domestic and global scenario	8
21	developments of the financial system since -	9
22	the Indian financial sector after a decade of reforms- introduction	9
23	critical review of the financial sector reforms in some key areas	10
24	exchange control and convertibility	10
25	early success	10
26	subsequent back sliding	11
27	banking and credit policy	12
28	banking system solvency	12
29	governance and lending practices	14
30	operational reforms	15
31	financial institutions	16
32	insurance	17
33	competition and efficiency	17
34	pro- bank tilt of regulatory policy	19
35	interest rate deregulation and financial repression deregulation	20
36	financial repression	21
37	capital market	21
38	secondary market reforms	22
39	primary market	23
40	disclosure standards	23
41	takeovers	24
42	institutionalisation	25
43	extent of institutionalisation	25
44	foreign institutions	25
45	mutual fund	25
46	development financial institutions	26
47	venture capital funds	26
48	assured return schemes and mutual fund solvency	27
49	the problems of unit trust of India	28
50	market manipulation	30
51	regulation of listed companies and investor protection	32
52	emerging treat of monopolies	33
53	derivative market	33
54	equity market	33
55	depositories	34
56	fostering competition	35
57	status of the capital market	36
58	monetary policy and debt market	39
59	impact of the reforms on the corporate sector and retail investors	42
60	scope of corporate finance	42
61	corporate governance	43
62	risk management	44
63	capital structure	44
64	group structure and business portfolio	44
65	working capital management	44
66	investor expectations	45
67	repression and inflation expectations	45
68	distrust of equities	45
69	changing the expectations	45
70	steps and measures to be taken	46
71	banking sector	46
72	capital market	47
73	debt and foreign exchange market	48
74	the real economy	48
75	Indian financial system	49
76	reserve bank of India	49
77	Commercial banks	49
78	Cooperative banks	49
79	Cooperative credit societies	49
80	post office saving banks	49
81	non-banking	49
82	provident and pension funds	49
83	small savings organisations	49
84	life insurance corporation	49
85	general insurance corporation	49
86	industrial finance corporation of India-ifci	49
87	Industrial credit and investment corporation of India	49
88	Industrial development bank of India	49
89	Export import bank of India	49
90	national bank for agriculture and rural development	49
91	shipping credit and investment company of India	49
92	tourism finance corporation of India	49
93	risk capital technology finance corporation	49
94	agricultural finance consultancy Ltd	49
95	national cooperative development corporation	49
96	RBI	49
97	SEBI- Securities and Exchange Board of India	49
98	BIFR- Board for Industrial and financial reconstruction	49
99	IRDA- insurance regulatory and development Authority	49
100	deposit insurance and credit guarantee corporation	49
101	export credit guarantee corporation-ECGC	49
102	technical consultancy organisation-TCO	49
103	stock holding corporation of India	49
104	credit rating information services of India-CRISIL	49
105	unit trust of India	50
106	mutual fund	50
107	investment trusts	50
108	investment companies	50
109	finance corporations	50
110	Nidhis, chit funds	50
111	hire purchase finance companies	50
112	lease finance companies	50
113	national housing bank	50
114	housing and urban development corporation	50
115	housing development finance companies and other housing finance companies	50
116	manufacturing companies accepting deposits	50
117	venture capital funds	50
118	national cooperative bank of India	50
119	central warehousing corporation	50
120	state warehousing corporation	50
121	rural electrification company	50
122	national industrial development corporation	50
123	national small scale industries corporation	50
124	small industries development bank of India	50
125	state finance corporation	50
126	state industrial development corporation	50
127	state industrial investment corporation	50
128	state small industries development colorations	50
129	power finance corporation	50
130	discount and finance house of India	50
131	infrastructure leasing and financial services limited-IILFS	50
132	technology development and information company of India TDICI	50
133	merchant banks	50
134	factoring companies	50
135	indigenous bankers	50
136	securities trading corporation of India	50
137	primary dealers	50
138	information investment and credit rating agency-ICRA	50
139	depositors	50
140	custodian	50
	unit 2:- Reserve Bank of India
1	establishment	58
2	preamble	58
3	central board	58
4	functions of the central board	58
5	local boards	59
6	functions of the local board	59
7	financial supervision	60
8	objective of BFS	60
9	constitution of BFS	60
10	frequency of BFS meetings	60
11	functions of BFS	61
12	current focus of BFS	61
13	legal framework	62
14	umbrella acts	62
15	reserve bank of India Act	62
16	Banking Regulation Act	62
17	public debt act	62
18	securities contract act	62
19	Indian contract act	62
20	foreign exchange regulation act	62
21	companies act	62
22	banking companies act	62
23	bankers books evidence act	62
24	banking secrecy act	62
25	negotiable instrument act	62
26	state bank of India act	62
27	industrial development bank act	62
28	industrial finance corporation act	62
29	national bank for agriculture and rural development act	62
30	national housing bank act	62
31	deposit insurance and credit guarantee corporation act	62
32	main function	63
33	monetary authority	63
34	regulator and supervisor of the financial system	63
35	manager of foreign exchange	63
36	issuer of currency	63
37	developmental role	63
38	training establishment	64
39	subsidiaries	64
40	physical functions of RBI	65
41	note issuing authority	65
42	banker to the government	65
43	bankers bank	65
44	supervising authority	65
45	exchange control authority	66
46	promoter of the financial system	66
47	fiscal and monetary policy	67
48	monetary and credit policy when, how, why it is tables	68
49	impact of CRR cut on interest rate	69
50	affect the exporters	69
51	affect stock market	69
52	money supply related to jobs, wages and output	70
53	open market operation-OMO	70
54	organisational chart	71
	unit 3:-financial institutions-FI- industrial sector
1	industrial finance corporation of India-ifci	76
2	industrial development bank of India	77
3	industrial credit and investment corporation of India	79
4	industrial reconstruction bank of India-irbi	80
5	state financial corporations-sfc	81
6	SIDCs and SIICs	81
7	small scale industries development corporation -SSIDCs	82
8	small industries development bank of India-SIDBI	82
9	principal development financial institution for promotion	82
10	provision of charter	83
11	business domain of SIDBI	83
12	objectives	83
13	development outlook	84
14	export import bank of India	84
15	Genesis	86
16	export credits	87
17	for Indian companies executing contracts overseas	87
18	pre-shipment credit	87
19	suppliers credit	88
20	for project exporters	88
21	for exporters of consultancy and technological services	88
22	guarantee facilities	88
23	for commercial banks	88
24	rediscounting facility	88
25	refinance of suppliers credit	88
26	finance for deemed exports	88
27	overseas entities	88
28	buyers credit	89
29	eligible goods	89
30	finance for export oriented units	89
31	term finance	89
32	working capital finance	89
33	funded	89
34	non-funded	90
35	working capital finance	90
36	term finance	90
37	export finance	90
38	equity participation	90
39	overseas investment finance	91
40	lines of credit-LOC	91
41	EXIM bank	92
42	procedural flow chart	92
43	exim bank	92
44	exporter	92
45	commercial bank	92
46	eligible goods	92
47	general	92
48	small and medium enterprises-SME finance	93
49	agri finance	93
50	film finance	94
51	nature of finance	94
52	films financed by EXIM bank	94
53	multilateral agencies funded projects overseas- MFPO	95
54	promoting Indian consultancy	96
55	tied-up with	96
56	exim bank as a consultant	96
57	export marketing schemes	97
58	service offered across sector	97
	unit 4:-financial institutions- agriculture
1	national bank for agriculture and rural development	104
2	genesis of NABARD	104
3	CRAFICARD	104
4	Agricultural finance corporation-AFC	104
5	Agricultural credit department-ACD	104
6	rural planning and credit cell-RPCC	104
7	NABARD	104
8	state co-operative agriculture and rural development bank-SCARDBs	104
9	state co-operative bank-SCB	104
10	regional rural bank-RRB	104
11	commercial bank-CB	104
12	types of refinance facilities	106
13	interest rates	107
14	Minor irrigation -MI	108
15	dry land farming-DLF	108
16	land development-LD	108
17	wasteland development-WLD	108
18	swarnajayanti gram swarozgar yojana-SGSY	108
19	self help groups-SHG	108
20	organic farming-OF	108
21	agri export zone-AEZ	108
22	aromatic and medicinal plant	108
23	rural housing-RH	108
24	non farm sector NFS	108
25	production credits	108
26	seasonal agricultural operations-SAO	108
27	financing of weavers	109
28	financing of other than seasonal agricultural operations-OSAO of RBI	109
29	refinancing of marketing of crops	110
30	refinance for procurement, stocking and distribution of chemical fertilizer	110
31	conversion assistance in case of natural calamity	110
32	long term loan to state government	111
33	investment credit-medium and long term refinance	112
34	institution eligible for refinance	113
35	farm sector	113
36	non-farm sector	113
37	loan period	113
38	refinance windows	113
39	criteria for refinance	113
40	ultimate beneficiaries	114
41	agricultural refinance consultancy ltd-AFC	114
42	membership	114
43	area of specialisation	116
44	surveys and studies	116
45	crop production	116
46	forestry	117
47	irrigation and drainage	117
48	agricultural engineering	117
49	horticulture and plantation	117
50	fisheries	117
51	livestock and dairy	117
52	agricultural and livestock marketing	117
53	agri-business and agro-industries	117
54	area development planning	118
55	agricultural and rural credit	118
56	project formulation and appraisal	118
57	institution building	118
58	social sector development	118
59	remote sensing applications and resource management centre	119
60	training and manpower development	119
61	rural infrastructure	119
62	land development banks	119
	unit 5:- financial institutions- others
1	shipping credit and investment compnay of India-SCICI	126
2	principal activities	126
3	power finance corporation-PFC	127
4	financial services offered by the corporation	128
5	lease financing	128
6	direct discounting of bills	128
7	guarantee services	128
8	loan syndication	128
9	short term loan	128
10	institutional development services	129
11	utility development plans	129
12	financial assistance for power sector studies	129
13	reform and restructuring related studies	129
14	reform and restructuring of SEBs	130
15	national cooperative development corporation-NCDC	130
16	functions	130
17	organisation and management	131
18	finance and financing	131
19	purpose for which assistance is provided	131
20	procedure for sanction/disbursal of assistance	132
21	promotion and development role	132
22	activities and program	132
23	marketing	132
24	agricultural input	133
25	agro-processing industries	133
26	sugar	133
27	spinning mill	133
28	storage and cold storage	133
29	program for weaker section	134
30	consumer business	134
31	area based integrative cooperative development project	134
32	national housing bank-NHB	135
33	HFC-role promotion and development	136
34	Housing finance companies	136
35	refinance assistance form NHB	137
36	project lending from NHB	138
37	eligible borrowers	138
38	public agencies	138
39	private sector agencies	138
40	eligible purposes	139
41	special projects, general projects	139
42	short term facility	139
43	interest rates	140
44	prepayment charges	141
45	extend of financing and period of loans	141
46	processing fee and commitment charges	141
47	security	141
48	customer service	142
49	scheme for guaranteeing bonds of HFCs	142
50	scope of the scheme	142
51	terms and conditions for guarantee	142
52	exposure norms	143
53	minimum size of each issue	143
54	security	143
55	guarantee fee	144
56	creations of reserves	144
57	housing and urban development corporation-HUDCO	144
58	housing development finance corporation-HDFC	144
	unit 6:-Securitisation
1	concepts and benefits	150
2	the transaction	151
3	time frame	152
4	due diligence and rating of the mortgage pool	152
5	execution of memorandum of agreement with NHB	153
6	documentation	153
7	securitisation process	154
8	securitisation of mortgage debt	154
9	execution of memorandum of agreement with NHB	155
10	execution of pool of housing loan	155
11	eligibility criteria for home loans to qualify for securitisation	155
12	the pool selection criteria NHB	156
13	due diligence audit	157
14	valuation of the pool and consideration of assignment	157
15	par pricing methodology	157
16	premium pricing methodology	157
17	discount pricing methodology	158
18	working out cut-off date balances	159
19	credit enhancement	159
20	liquidity adjustment facility	159
21	custody of mortgage document	159
22	design of MBS instruments	160
23	appointment of various agencies	160
24	payment of consideration	160
25	establishment of special purpose vehicle for the issue of MBS	160
26	post issue servicing and reporting requirements	161
27	hierarchy of appropriation of collection mounts -payment waterfall	161
28	fees structure	162
29	payment to investors	163
30	mortgage enforcement in event of default	163
31	initiatives of Government of India	163
32	enabling provisions of NHB Act	164
33	speedier foreclosure mechanism	165
34	role of national housing bank-NHB	165
35	NHB's experiences pool performance	166
36	NHB's RMBS Institutional structure	167
37	credit enhancement to RMBS	172
38	residential mortgage backed securities	172
39	terms	172
40	eligibility primary lending institutions	174
41	eligible pool of residential mortgage loans	175
42	eligible structure of RMBS	175
43	limit of the guarantee	175
44	requirement of RMBS structure	175
45	validity of the guarantee	176
46	replenishment of guarantee amount	176
47	guarantee fees to NHB	176
	unit 7:-financial institution -area specific
1	north eastern development finance corporation ltd.NEDF	182
2	project finance scheme	184
3	north eastern equity fund-NEEF	185
4	micro finance scheme	186
5	NEDFi's objective	187
6	proposal	187
7	operational strategy	187
8	operational modalities	188
9	eligible borrowers	188
10	activities to be financed	189
11	ultimate target group	189
12	documentation	189
13	security	189
14	working capital term loan	190
15	quantum of assistance	190
16	security	191
17	equipment finance	191
18	rupee term loan	192
19	jute enterprises development scheme-JEDS	193
20	difficulties faced by small enterprises	195
21	advantages of the region	195
22	objective	196
23	target group	196
24	activities	196
25	project cost	196
26	promoters contribution	196
27	equity assistance	196
28	rate of interest	196
29	repayment period	196
30	security	197
31	other condition	197
32	participation in exhibition	197
33	woman enterprise development scheme -WEDS	197
34	objective, target group,eligibilty,nature of assistance	198
35	extend of assistance	198
36	project cost	198
37	promoters contribution	199
38	security	199
39	rate of interest	199
40	repayment	199
41	documentation	199
42	scheme for the north east handloom and handicrafts SNEHH	199
43	preference would be given to	201
44	training	201
45	participation in exhibition	201
46	eligibility conditions	201
47	nature and extent of finance	201
48	interest rate	202
49	repayment	202
50	security	202
51	other condition	202
52	micro finance institutions in India	210
53	micro finance service providers	210
54	emergence off private micro finance industry	210
55	MFIs and legal forms	211
56	capital requirements	214
57	foreign investment	214
58	deposit mobilisation	214
59	borrowings	215
60	interest rate	215
61	collateral requirements	215
62	regulation and supervision	215
	unit 8:-bank and banking
1	mail transfer, telegraphic transfer, demand drafts, electronic fund transfer	224
2	cash credit	224
3	safe deposit value services	225
4	letter of credit	225
5	money orders,travellers cheque	225
6	retail banking and wholesale banking	226
7	scheduled bank in India	227
8	commercial bank and cooperative bank	228
9	different accounts-deposits	229
10	different bank accounts-advances and loans	230
11	overdraft	230
12	cash credit	230
13	loan	230
14	repayment period	231
15	banking terms	231
16	bill	231
17	bill of exchange	231
18	discount	231
19	remittance	232
20	letter of credit	232
21	advantage	232
22	bank guarantee	232
23	example of finance guarantee	232
24	example of performance guarantee	233
25	negotiation	233
26	cash reserve ratio	233
27	statutory reserve ratio	233
28	clearing operation	234
29	daily product basis	234
30	monthly product basis	235
31	repayment holiday	235
32	credit instrument	236
33	negotiable instrument	236
34	acceptance	236
35	credit report	236
36	syndication	236
37	custodial services	237
38	security	237
39	margin	237
40	foreign exchange	237
41	securitisaiton	237
42	international banking	238
43	international trade	238
44	tourism	238
45	foreign exchange management	239
46	different layers of banking operations in India in general	239
47	duties of international banking department	240
48	administrative functions in a bank	241
49	functions of different administrative unit of a bank	242
50	head office level	243
51	banking business vs. other business	244
52	deposit insurance and credit guarantee corporation -DICGC	245
53	corporative bank	245
54	export credit guarantee corporation-ECGC	247
	unit 9:-Indian money market
1	instrument	254
2	debt instruments	255
3	money market instrument	255
4	commercial paper	256
5	certificate of deposit	256
6	treasury bills	256
7	long term debt instrument	258
8	new types of GOISEC's	259
9	inflation linked bonds	259
10	zero coupon bonds	260
11	state government securities-state loan	260
12	public sector undertaking bonds-PSU bonds\bonds of public financial institutions-PFI	261
13	corporate debentures	261
14	pass through certificates	261
15	issuers	262
16	government of India and other sovereign bodies	262
17	banks and development financial institutions	263
18	public sector undertaking bonds-PSU bonds\bonds of public financial institutions-PFI	263
19	private sector companies	264
20	government owned or quasi government non-corporate entities	264
21	classification investors	265
22	banks	266
23	insurance companies	267
24	provident funds	267
25	mutual funds	269
26	trusts	270
27	corporate treasuries	270
28	foreign institutional investors	271
29	securities trading corporation of India ltd.STCI	271
30	discount and finance of house of India-dfhi	272
	unit 10:- financial intermediaries
1	non-banking financial intermediaries	278
2	LIC	278
3	general nature of insurance companies	278
4	introduction of life insurance corporations	278
5	types and structure of insurance plans	279
6	valuation of life policy	280
7	growth of life business and fund	281
8	investment pattern and policy	281
9	general insurance companies	282
10	types and structure of business	282
11	income and investment pattern	283
12	unit trust of India and other mutual funds	284
13	provident/pension funds	285
14	post offices	286
15	savings account	287
16	monthly income scheme	287
17	recurring deposit	288
18	post office savings scheme	288
19	senior citizen savings scheme	289
20	15years public provident fund	290
21	kissan vikas patra	290
22	postal life insurance	291
23	rural postal life insurance	292
24	rural postal life insurance scheme	292
25	endowment assurance scheme	292
26	postal life insurance-suraksha	293
27	whole life assurance scheme	293
28	suvidha	294
29	sumangal	294
30	periodical return	295
31	yugal suraksha	295
32	rural postal life insurance	296
33	children policy-salient feature	296
34	gram santhosh	298
35	gram suraksha	298
36	gram suvidha	299
37	gram sumangal	300
38	gram priya	301
39	mutual funds	302
40	other non banking financial companies-NBFC	303
41	investment companies	303
42	loan companies	306
43	chit funds	306
44	NIDHIS	307
45	accepting deposits	307
46	loan and advances	307
47	other aspects	308
48	hire-purchase finance companies	308
49	installment credit	308
50	financing of purchase of equipment, vehicles etc	309
51	purchase of ole aspects	309
52	consumer credit	309
53	equipment leasing finance companies	309
	unit 11:-international monetary fund
1	IMF	316
2	role of IMF	316
3	IMF articles	317
4	Quotas-capital subscription	317
5	subscriptions	318
6	voting power	318
7	access to financing	318
8	SDR allocations	318
9	funding facilities	319
10	schemes of IMF funding	320
11	concessional and non-concessional funding	321
12	IMF facilities	321
13	poverty reduction and growth facility-PRGF	321
14	stand by arrangement-SBA	322
15	extended fund facility-EFF	322
16	supplemental reserve facility-SRF	322
17	contingent credit lines-CCL	322
18	compensatory financing facility-CFF	322
19	emergency assistance	322
20	special drawing rights	323
21	international bank for reconstruction and development	323
22	international finance corporation	324
23	international development association-IDA	325
24	bank for international settlement	325
25	regional development agencies	325
26	European bank for reconstruction and development	325