 Certificate in Banking Technology (CBT)
Course Contents
The curriculum is designed to give adequate understanding of Core Banking functionalities and the salient features of harnessing the IT for business promotion. The first hand experience of working on Core Banking Solution is given to the students, which demonstrate online completion of transactions initiated by them.
CBT is a Two-month part time program where the trainees learn about
- Basics in banking
- Bank's products
- Bank's operations and procedures
- Bank's core banking software
The core contents of the program consist of the following modules:
BANKING Module
Module 1
Introduction and General Banking
- Indian Banking, Financial institutions, cooperatives and commercial banks
- Monetary control –CRR / SLR and CASA
- CRR / SLR contd…and project topics
Module 2
Banker Customer Relationship
- Banker-Customer Relationship
- Single and Joint accounts
- Attachment-Garnishee/IT order
- BCSBI – Rights of customer
Module 3
Regulatory Compliance
- Anti money laundering
- Know your Customer
- Activity on AML and KYC
- Types of Accounts –Individual / proprietor
Module 4
Types of Accounts
- Partnership, Jt. Stock companies,
- Trusts / SHG / Society, NRI customers
- Types of Deposit Accounts - SB, CA, Term Deposits, Certificate of Deposits
Module 5
Banking Law and Practice
- Negotiable Instruments Act
Module 6
Practical Banking
- Cash Transactions-Precautions and guidelines
- Transfer transactions
- Clearing transactions
- Clean Cash policy- RBI guidelines
Module 7
Practice of Banking
- Functioning of clearing house with activity on Clearing
- Remittances – Issue of DD / PO
- Cancel and Issue of duplicate DD / PO
- ECS/NEFT and its functioning
- Elementary of booking keeping
- Accounting entries in Banks
- Principle of GL entries in banking
- Activities on the above
Module 8
Other services & allied services
- Interbank and RTGS in Banks
- SDV - Safe Deposit Vaults
- CMS services, Activity on CMS
- ATM operations, ATM Activity & Doorstep Banking
- Internet banking and mobile banking
Loans and Advances
- An overview on various types of advances viz CC, OD, TL,DL etc.,
- Concepts of Lien, charges, HYP, Pledge, assignment
IT / SOFT SKILLS Module
Module 1
IT Essential for Banking Professionals
- IT & its role in finance & service industry
- Impact of technology on Banks
- MS-Office -2007 with Advance Excel
- IT Security Information Security (Do’s & Don’ts), Indian IT Laws pertaining to Banking
Module 2
Soft Skills
- Interview Skills
- Communication Skills
- Customer Relationship Management (CRM)
FINACLE Module
Module 1 Introduction and Customer Master
- Introduction to Centralization in Banking
- Introduction to Finacle a core banking solution
- Important keys in Finacle and its operations
- Concept of Customer master in Finacle Theory
- Creation of Cust ID
- Practical on the above
Module 2 Accounts
- Opening of an account-SB single account
- Opening of a joint account as also a CA
- Account freeze and unfreeze and lien marking
- Practical on the above
Module 3 Inventories and Transactions
- Movement of inventory between locations
- Practical on the above
- Issue of cheque books and queries through ISI / ISIA
- Practical on the above
Module 4 Transactions
- Transactions in Finacle - TM
- Practical on the above
- Cash and Transfer transactions
- Practical on the above
Module 5 Remittances (DD issue) and Account Closure
- DD issue in Finacle – Single and multiple DDs
- Practical on the above
- Opening of a TD account
- Practical on the above
Module 6 Clearing - Inward and Outward
- Inward Clearing processing
- Practical on the above
- Outward Clearing processing
- Practical on the above
Module 7 Inquiries & Reports
- Inquiries in Finacle
- An overview on Reports in Finacle
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