Dr. K. Govinda Bhat, Ph.D. is a seasoned banker with 36 years of experience in different facets of banking. The Author is familiar to undergraduate students in Commerce and Management through his books on Management and Banking. Mr. Bhat was the Principal of the Staff Training College of a nationalized bank for about 6 years. He holds Master Degree in Science, Economics and Management in addition to Doctoral Degree in Banking. He has published eight books through this publisher, all of them are reference books for undergraduate or postgraduate courses in different universities. All his books are well received by the students and teachers. The Author has taught the subject for 2 years in different colleges in Mumbai.