MBA 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

About the Author

Deepak Tandon

Dr Deepak Tandon is a distinguished academic and seasoned banking professional with over four decades of experience spanning academia, industry, executive education, and consultancy. He is currently a Senior Professor at the Institute of Management Studies (IMS), Ghaziabad, and formerly served as Professor at the International Management Institute (IMI), New Delhi. At IMI, he held key leadership roles, including Programme Director (MDPs – Banks), Programme Director (PGDM–BFS), and Area Chair – Finance, where he designed and delivered more than 30 national-level intensive programmes in Credit, Forex, Treasury, and Risk Management for leading banks and financial institutions. Prior to IMI, he was Professor of Finance at Lal Bahadur Shastri Institute of Management (LBSIM), New Delhi, where he also coordinated the PGDM–Executive programme and conducted several Management and Faculty Development Programmes. He has served as Visiting Faculty at premier institutions, including IIFT (New Delhi), MDI, SRCC (Delhi University), SP Jain (Mumbai), IMT Ghaziabad, ICAI, ICWAI, and internationally at Sasin University (Bangkok) and the University of Bedfordshire (UK).

Dr Tandon's professional profile uniquely combines 26 years of academic experience with 17 years of leadership experience in the banking sector. He has held senior positions at Punjab National Bank, Vysya Bank, J&K Bank, IndusInd Bank, and Oriental Bank of Commerce, with domain expertise in Credit, Treasury, and Risk Management. He has conducted extensive corporate training and consultancy assignments for leading organisations, including PNB, Bank of India, Canara Bank, RBL Bank, GAIL, EIL, BHEL, NALCO, HUDCO, Coal India, and RITES. He has also trained international delegates under the ITEC Programme of the Ministry of External Affairs, Government of India, and regularly conducts MDPs and FDPs in case writing and analysis.

Academically, Dr Tandon holds a PhD (USA), MBA (Finance) from FMS, University of Delhi, LL.B. (University of Delhi), M.Sc., and CAIIB. He is also an ISO Lead Auditor (Germany), IRCA-certified Auditor (UK), and holds multiple NISM certifications.

A prolific scholar, he has authored 139 research papers, including 19 Scopus-indexed publications, 10 books, and 8 internationally listed case studies (Ivey/HBR/Case Centre). His widely acclaimed book Management of Banks: Text & Cases has been published by Taxmann. Dr Tandon's contributions have been recognised through numerous honours, including the World Achievers Award 2024 – Distinguished Professor of the Year, the MTC Global Rooshikumar Pandya Lifetime Achievement Award (2025), and Best Professor in Finance (PAN India) for three consecutive years. He is a Life Member of PRMIA (USA), an Affiliate Member of GARP (USA), has served as a Track Chair at international conferences, and is on the editorial boards of reputable international journals, as well as on accreditation panels for national and global universities and business schools.

Neelam Tandon

Dr Neelam Tandon is a Professor of Economics and Finance at JIMS, Kalkaji (New Delhi), with over 24 years of academic experience and a strong interface with industry, policy, and financial markets. She has also served as an Economist/Joint Secretary at the PHD Chamber of Commerce and Industry. She has worked as a consultant with a Singapore-based multinational corporation, bringing both institutional and international exposure to her academic work. Academically accomplished, Dr Tandon holds a PhD in Economics (with research on Bank Efficiency using DEA), MBA, and  M.Phil. (Economics), MA, PG Diplomas in HRM and Export Management, and B.Ed. (CIE), University of Delhi. She also holds a CMI (London) Level 5 Certification in Management and Leadership and is a SEBI SMART Trainer. She serves as a PhD examiner at the Faculty of Management Studies, Women Institute for Studies in Development Oriented Management, Banasthali Vidyapith, Jaipur.

A prolific scholar, Dr Tandon has authored over 35 research papers published in leading national and international journals and has written four internationally listed case studies (Ivey/HBR/Case Centre). She has authored six books in Banking, Statistics, and Economics. Her research interests include banking efficiency, risk management, sustainability, international finance, and leadership. She has been instrumental in organising national seminars and international conferences in Finance, Risk Management, and International Business. As a key resource person, she has conducted specialised sessions for the PHD Chamber of Commerce and the National Institute of Banking Studies and Corporate Management (NIBSCOM) on topics such as foreign exchange exposure, risk mitigation challenges for SMEs, and profitability in forex business operations.

Dr Tandon is a visiting faculty at ICAI, IIFT Delhi, and IMT Ghaziabad. She is actively engaged in promoting financial literacy and well-being. She has been honoured with the 'Award of Excellence for Outstanding Contribution in Creating Financial Awareness' by SEBI, AMFI, and Aditya Birla Capital at the India International Trade Fair (IITF) at Pragati Maidan. She is registered with SEBI to promote financial awareness initiatives in India.

An avid researcher and case writer, she has authored sustainability and leadership case studies published internationally and serves as a reviewer for Emerald (Emerging Market Case Studies) and Sage Publications (Global Business Review). She is a member of the editorial boards of reputable journals, including JIMS 8M: The Journal of Indian Management and Strategy, as well as other academic publications. She is an Affiliate Member of GARP (USA) and the Chartered Management Institute (London), and is actively involved in advancing research, risk education, and financial literacy in India.