Management of Banks – Text & Cases

Management of Banks – Text & Cases is a comprehensive and academically rigorous treatise that presents banking as an integrated management discipline. The book moves beyond descriptive banking theory to examine how modern banks are structured, governed, regulated, and managed in a capital-intensive, technology-driven, and risk-sensitive environment. The work systematically connects the Indian banking system's institutional framework with the financial architecture of banks (balance sheet, profitability, ALM), the risk governance ecosystem (Basel norms, credit and market risk management), and the asset quality and insolvency interface under the IBC regime. It also addresses retail banking strategy, CRM and E-CRM, digital payment systems, and international banking operations. It culminates in a forward-looking perspective through chapters on Banking in Viksit Bharat 2047 and the IBC Amendment Bill 2025. Designed with a 'Text & Cases' methodology, the book integrates conceptual exposition with case studies, enabling readers to develop analytical clarity and decision-making competence.

This publication is intended for:

• MBA/PGDM (Finance, Banking, BFSI) Students
• Postgraduate Students in Commerce, Management & Economics
• Executive Education and Professional Banking Programs
• Practising Bankers (credit, treasury, ALM, retail, compliance, risk)
• Risk Managers and Governance Professionals
• Insolvency and Recovery Professionals
• Faculty and Researchers seeking a structured, case-supported banking management reference

The Present Publication is the 5th Edition, authored by Prof. (Dr) Deepak Tandon and Prof. (Dr) Neelam Tandon, with the following noteworthy features:

• [Integrated Coverage of Indian Banking System] Evolution, structure, licensing framework, regulatory supervision, and differentiated banking models
• [Legal-operational Interface] Detailed treatment of the Negotiable Instruments Act 1881 and its practical banking implications
• [Bank Financial Statement Analysis & ALM] In-depth interpretation of balance sheet structure, liquidity management, interest rate risk, ALCO functioning, and treasury discipline
• [Profitability Diagnostics] Analytical frameworks, including DuPont-style decomposition and ratio-based performance evaluation
• [Risk Management Architecture] Comprehensive coverage of credit, market, liquidity, and operational risk aligned with Basel I, II & III developments
• [NPA Lifecycle & IBC Framework] Structured discussion on asset stress, recovery mechanisms, insolvency processes, and pre-packaged resolution
• [Retail Banking & CRM Strategy] Customer relationship models, E-CRM, segmentation, bancassurance, and service innovation
• [Technology & Digital Payments] Core Banking Solutions, electronic payment systems (NEFT, RTGS, ECS, cheque truncation), information security frameworks
• [International Banking & Forex Management] FEMA-based regulatory environment, correspondent banking, exchange rate mechanics, treasury operations
• [Strategic Forward-looking Chapters]
• Banking in Viksit Bharat 2047
• IBC Amendment Bill 2025 – Key reforms and stakeholder implications
• [Case-based Pedagogy] Integrated cases within chapters and a dedicated 'Case Studies in Banking' section
• [Learning Support Tools] Chapter summaries, self-assessment questions, appendices on major banking committees and banking abbreviations

The coverage of the book is as follows:

• Overview of the Indian Banking System
• Evolution of Indian banking, structure and classification of banks, governance frameworks, new licensing norms, universal vs differentiated banking, and e-banking transformation
• Challenges & Opportunities in Banking
• Capital adequacy, NPAs, financial inclusion, governance reforms, HR development, risk and regulatory convergence themes
• Negotiable Instruments Act 1881
• Operational aspects of negotiable instruments in banking, dishonour procedures, liability implications, and practical problem-solving
• Bank Financial Statements & Asset–Liability Management
• Interpretation of bank financial statements, capital and reserve analysis, liquidity risk, interest rate risk, ALM models, and treasury management principles
• Profitability of Commercial Banks
• Spread management, return metrics, capital adequacy indicators, DuPont/David Cole models, and structured case-based profitability evaluation
• Customer Relationship Management (CRM) in Banks
• Bank–customer relationship dynamics, disclosure norms, E-CRM models, service design, and process re-engineering
• Retail Banking
• Retail asset-liability growth strategies, segmentation, bancassurance, regulatory aspects, and growth drivers
• Technology & Hi-Tech Banking (E-Payments)
• Digital banking channels, payment infrastructure, RBI IT initiatives, transaction systems, cybersecurity considerations, and integrated technology case analysis
• Risk Management in Banks
• Liquidity, interest rate, credit, market, and operational risk; Basel framework evolution; implementation challenges and mitigation strategies
• NPA Management for Better Banking
• Origins of NPAs, classification norms, IBC framework, insolvency timelines, restructuring mechanisms, and recovery strategies
• International Banking & Forex Management
• Foreign exchange markets, FEMA context, treasury operations, correspondent banking relationships, and exchange rate analytics
• Banking in the Viksit Bharat 2047
• Digital transformation, AI adoption, sustainable finance, infrastructure funding, governance strengthening, and institutional resilience
• IBC Amendment Bill 2025
• Key reform proposals, admission timelines, group and cross-border insolvency, creditor rights clarification, and implications for banks and stakeholders

The book follows a deliberate academic and managerial progression:

• Conceptual Foundation – Clear explanation of institutional and regulatory frameworks
• Financial & Risk Analytics – Balance sheet interpretation, profitability modelling, ALM and risk frameworks
• Strategic & Operational Modules – CRM, retail banking, and technology integration
• Resolution & Reform Orientation – NPA management, IBC process, and amendment analysis
• Future Strategy – Developmental banking outlook aligned with Viksit Bharat 2047
• Each chapter is organised with:
• Structured sub-headings
• Analytical models and frameworks
• Summaries
• Self-assessment questions
• Case-based application where relevant
• The inclusion of dedicated case studies enhances classroom engagement and professional training usability