The book, entitled “Banking III & Banking IV” (in Malayalam) written by Noushad Chengodan (Asst. Prof. in Economics, P.S.M.O. College, Tirurangadi), aims to serve as a concise text to the needs of the students of the University of Calicut under the Choice based Credit and Semester System (CCSS – B.A. Economics: Semester III & Semester IV (Complementary). This book contains four chapters; namely: Module I: Meaning, Evolution and Functions of the Central Bank; Module II: Development Banks and Capital Market. Semester – IV: Module I: Agricultural Banking: Problems and Prospects & Module II: Financial Sector Reforms, Crisis and Public Sector Banks.