Our Core Facilitator
Our facilitators are experienced bankers and academicians.
Course Description
Why You Need This General Banking Course
General Banking is one of the core businesses of the banking companies around the globe. General banking includes banker – customer relationship, opening and operation of different types of bank accounts, operations of negotiable instruments (Cheques, Promissory Notes, and Bill of Exchange), cheque book issue and support services, clearing and collection of instruments, cash and vault management, locker services, remittance services etc.
In addition to the General Banking clients, the lending/investment clients and L/C clients have also to interact in the general banking services. Most of the time, the general banking wing remains busy to provide services to the clients.
As a banker either you deployed in general banking or lending/investment or AD branch you must have knowledge regarding general banking services.
As a client of a bank, you must have minimum knowledge about the dealing of general banking activities such as different parts of a cheque, how to cross a cheque, how to endorse a cheque, material parts of a cheque etc.
As a student seeking to enter in the banking industry, you must have also minimum knowledge about the General Banking – that will give you additional proficiency command in banking practices.
In addition to the above, you will be able to read and study the course on-line, you will get certificate of completion. Further, after completion of this course, you will also be able to practice the general banking activities directly flawlessly.
Course Module
The General Banking modules consists Nine modules including overview of the financial system of Bangladesh, banker – customer relationship, opening & operations of different types of bank account, negotiable instrument (promissory notes, bill of exchange and cheque), clearing and collection of instruments, colleting and paying banker, cash and vault management, locker services and remittance services.
General Banking Level -01 (Contents)
Module -A: Overview of the Financial System of Bangladesh
Topic-1: Financial System of Bangladesh
Topic-2: Financial Market of Bangladesh
Topic-3: Capital Market of Bangladesh
Topic-4: Money Market of Bangladesh
Topic-5: Payment System of Bangladesh
Topic-6: Regulations in the Financial System of Bangladesh
Topic-7: Recent Developments in the Financial Sector of Bangladesh- 2022
Topic-8: The Banking Industry in Bangladesh
Module -B: Banker – Customer Relationship
Topic-9: Definition of a Banker, Bank, Banking and Customer
Topic-10: What Business Banking Companies Can Do?
Topic-11: Banker Customer Relationship: General – Debtor and Creditor, Principal and Agent, Bailor and Bailee, Lessor and Lessee, Mortgagor and Mortgagee, Trustee and Beneficiary
Topic-12: Banker Customer Relationship: Special – Obligation to Honor Customers Cheque, Obligation to Maintain Secrecy of Customers Account
Topic-13: Bankers Rights of General Lien
Topic-14: Bankers Rights to Charge Interest, Commissions and Incidental Charges
Topic-15: Termination of Banker Customer Relationship
Topic-16: Banker’s Right of Appropriation
Topic-17: Banker’s Right to set-off
Topic-18: Garnishee Order and Its Use in Banking Operation
Module -C: Opening & Operations of different types of Bank Account
Topic-19: Bank Deposit- Demand and Time Deposit
Topic-20: Types of Account, Current Deposit, Savings Deposits, Short Notice Deposit (SND), Term Deposit Receipt (TDR), Recurring Deposit
Topic-21: How to Complete Account Opening Formalities?
Topic-22: Opening and Operation of Personal Bank Account – Individual and Joint
Topic-23: Opening and Operation of Sole Proprietorship Bank Account
Topic-24: Opening and Operation of Partnership Bank Account
Topic-25: Opening and Operation of Company Bank Account
Topic-26: Opening and Operation of Club/Association/Societies/NGO/Educational Institutions
Topic-27: Opening and Operation of Executor and Administration Bank Account
Topic-28: Opening and Operation of Trust Bank Account
Topic-29: Opening and Operation of Illiterate Person Bank Account
Topic-30: Opening and Operation of Minor Bank Account (including Student Account/School Banking)
Topic-31: Opening and Operation of Legal/Local Authorities/Municipal Corporation Bank Account
Topic-32: Fixed Deposit Receipt: Opening of FDR, Due Date, Payment of FDR, Precaution while Encashment of an FDR, Renewal of Term Deposit, Overdue FDR, Issuance of FDR, Issuance of Duplicate FDR
Topic-33: Issues regarding Inoperative, Dormant and Unclaimed Account
Topic-34: Issues Regarding Deceased Account
Topic-35: Application of Power of Attorney and Mandate of Bank Account
General Banking Level -02 (Contents)
Module -D: Negotiable Instrument: Promissory notes, Bill of Exchange and Cheque
Topic-36: Negotiability, Negotiation and its Features
Topic-37: Promissory Notes and Bill of Exchange in Banking Operation
Topic-38: Fundamentals of Bill of Exchange and Promissory Notes
D.1: Cheque
Topic-39: What is Cheque and Its Features?
Topic-40: Fundamentals and Different Parties to a Cheque
Topic-41: Undated, Post-Dated, Anti-dated and Stale Cheque
Topic-42: Dishonor of Cheque – When
Topic-43: Types of Cheques Used in Banking Business – MICR and Non-MICR Cheque
Topic-44: Specific and Further Scrutiny before Payment of Cheque
Topic-45: Material Alteration of Cheque and Its Effect
Topic-46: When the Bank Must Refuse Payment of the Cheque or Draft
Topic-47: Holder, Holder in Due Course and Payment in Due Course
Topic-48: Loss/Destruction/Cancellation of a Cheque Book/Cheque Leaf
D.2: Crossing of Cheque
Topic-49: Types of Crossing of a Cheque – General and Special
Topic-50: Payment of an A/C Payee Cheque
D.3: Endorsement of Cheque
Topic-51: Definition of Endorsement and Who can endorse a Cheque?
Topic-52: Types of Endorsements
Topic-53: Elements of Valid Endorsements
Topic-54: Specimen of Banker’s Endorsements
Module -E: Clearing & Collection of Instruments
Topic-55: Clearing – types and its placement
Topic-56: BACH, BACPS, BEFTN
Topic-57: EFT Transaction Flow, Credit and Debit Application and Calculation of 9-digit Routing Number
Topic-58: RTGS and NPSB
Topic-59: Responsibilities and Due Diligence of Presenting Bank, Paying Bank as Regards Settlement
Module-F: Collecting Banker and Paying Banker
F.1: Collecting Banker
Topic-60: Collecting Banker and Statutory Protection
Topic-61: Protection to Banker Crediting Cheque Crossed Account Payee
Topic-62: Negligence Factor
F.2: Paying Banker
Topic-63: Definition of Paying Banker
Topic-64: Responsibilities of Paying Banker
Topic-65: Statutory Protection of Paying Banker
Topic-66: Payment of Crossed Cheque Out of Due Course
Topic-67: Consequence of a Wrongful Dishonor by the Drawee or Paying Banker
Topic-68: Discharging the Duties of a Paying Banker
Module -G: Cash & Vault Management
G.1: Cash Management
Topic-69: Cash Management and Its Functions
Topic-70: Measuring Safe Keeping of Cash and Cash Limit in Banks
Topic-71: Different Types of Notes
Topic-72: Detection of Fake Notes
Topic-73: Exchange of Burnt or Soil or Defective Notes
Topic-74: Disposal of Claim Concerning Half Notes and Mutilated Notes
G.2: Vault Management
Topic-75: Vault Security and Its Operation
Module -H: Locker Services
Topic-76: Bank Locker and items to be kept
Topic-77: How to rent a Bank Locker?
Topic-78: Operating Procedure of Bank Locker
Module -I: Remittance Services
Topic-79: Remittance Services and Its Operation Procedure
Topic-80: International Money Transfer Companies for Remittance Services