for 1 hour talk or session user/teacher can cover most in a few slides.This can be for fresh staff,clerks of bank or students who study Banking or MBA

1. A R Mankodi
Faculty- NIIT IFBI (PGDB)
Director- Karnavati Coop Bank
Secretary- Bankers’ Club
Ex CEO- Guj State Coop Union
Ex DGM- A D C Bank
AMCO Bank
CORPORATE TRAINER
1

2. Objectives
 Comply statutory and regulatory requirement
Deploy surplus in profitable mean
Meet day to day liquidity requirement
Profit is not only object but safety and sustainability
is also
Borrowing or redemption should be available
PV and FV considered
Assets and liability match can be complied.
Investment not away from place of investment
Investment should not be at the cost of advances

3. Fund management
Objective
Profit
Stability
Meet Liabilities
Contingencies
Admin Expenses
Advances
Source
Capital, Reserves
Funds
Liabilities
Borrowings
Profit & Incomes
DAP

4. DAP
(1) CRR-SLR
(2) Govt. Securities
(3) Bonds
(4) Call Money
(5) HTM-AFS
(1) Govt Schemes
(2) PF- Gratuities
(3) Taxes
(1) Reserves
(2) Provisions
(3) Social
(4) Staff Welfare
(1) Diversified
(2) Fund Cost
(3) Exposure Norms
(4) Social objective
(5) Profitability
(6) Monitoring/Recovery
(7) Powers Delegation
(8) Law Compliant
(1) Fix-Variable
(2) Periodical
(3) Developmental
(4) Administrative
(5) Contingent

5.  An Audit committee should be in place
An ALM committee should be in place
An investment committee should be in place
BOD should monitor functioning of all committees
Returns to RBI/Authorities should be sent on time
CEO/Officials should be delegated suitable powers
Internal controls/inspections should be in place
Staff rotation should be regular on periodic basis