Banking Principles And Operations

Banking: Principles & Operations is a comprehensive, practice-oriented manual that covers the full lifecycle of core banking services. Starting with fundamental concepts — the role of banks, balance-sheet mechanics and central banking — the book moves into operational topics: branch processes, deposit management, lending and credit appraisal, documentation, payments and settlements, trade finance, treasury and liquidity management. Special chapters focus on risk management (credit, market and operational), regulatory compliance including KYC/AML and Basel norms, and the operational controls banks must maintain for security and audit. Each chapter provides worked examples, process flow diagrams, specimen forms and checklists to standardize routine tasks and reduce errors. Contemporary sections discuss digital banking channels, NEFT/RTGS/IMPS mechanics, card networks, and fintech partnerships that impact operations. Whether used in the classroom, for staff induction, or as a branch operations desk reference, the book blends regulatory clarity with step-by-step procedures and troubleshooting tips, making it a practical resource for anyone working in or studying the banking sector.