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KLU BUSINESS SCHOOL
COURSE HANDOUT 2012-2013
TITLE OF COURSE: Overview of Banking
LEVEL: MBA SUBJECT AREA: Banking
SEMESTER OFFERED: III NO. OF SESSIONS: L: 3 T: 0 P: 0
NO. OF MODULES: V CREDITS: 3
PRE-REQUISITE COURSES, IF ANY:
COURSE COORDINATOR: I M Ram Prasad SECTION: A
COURSE INSTRUCTOR: I M Ram Prasad SECTION: B
1) Course Objectives:
The Course gives the overview of Financial System , Indian Banking System , the present
scenario, the different types of banks, products and services.
2) Scope:
The course aims at providing the students with knowledge of the money, banking and the
credit management sectors in the economy and their operational uses.
3) Course Syllabus:
Unit I: Indian Financial System – The Financial System , Nature , Evolution and Structure,
The functions of Financial Intermediaries , Financial Instruments , The Role Of Financial
System in Economic Development , The Indian financial System. The Origin and Growth of Banking – History , The Indian Banking System , Commercial Banking in India , functions of
Commercial banks , Challenges and trends in banking , Universal banking , CRM in Banks ,
Are banks dying?.
Unit II: Sources and uses of Funds in a Bank: A Bank’s Balance sheet – Statement of
Sources and uses of Funds, A bank’s Profit and loss Account, Books of Accounts in Banks.
Deposit products – Types of bank deposits offered by banks, Interest rates offered on
different types of deposits, Composition of bank deposits. Credit policy – Need for Credit
policy , Components of Credit Policy , Credit policy pursued by the government , Credit
culture. Lending Activities – lending Activity, Basics of Requirements for lending
Unit III: Retail banking – retail Banking Scenario, Types of consumer Loans, Limitations of
Credit Scoring. Corporate Banking- The nature of corporate banking, Developments in
Corporate banking, Consortium finance, multiple banking Arrangements, loan Syndication,
The Syndication process. Rural Banking – Sources of Rural Finance, Credit delivery
Mechanism in Rural finance, Multi Agency Approach, Regional rural banks (RRBS), Service
Area Approach (SAA), National Bank for Agriculture and rural Development (NABARD)
Unit IV: Securitization – Meaning Securitization, Process of Securitization, Fee- based
Services – letters of Credit – Bank guarantees, Subsidiary, Services, off balance Sheet
Activities. Plastic money – introduction , parties to the transaction , Salient Features ,
concepts of a Credit Card , Distinction between credit card , charge Card , Debit card and
Operational aspects , product Augmentation , Credit card business in India , the Emerging
Scenario. Management of IPO – reasons for going public, management of public issues andinitial public offerings, Marketing of Issues, Post, issue Activities.
MBA C 314
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Unit V: Regulatory Framework: RBI, Structure, Role of RBI, Banking Regulation and
Supervision, Monetary policy, Banking Regulation Act – SEBI. Banking law and Regulations
– Legal perspectives of banking, overviews of Laws Related to banking. Banking regulation
Act, 1949 – Business of Banks, Business prohibited for banks, licensing of banking
companies , Restrictions on loans and Advances , Management of banking Companies.
4) Learning Support:a) Recommended Text Book(s):
1. Indian Financial System, M. Vohra, Anmol Publications.
2. Banking Law and Practice in India, P.N. Varshney, Sultan Chand & Sons-24 th Edition
2010.
b) Reference Books:-
1. Financial Institutions and Markets- Structure, Growth and Innovations, L.M. Bhole &
Jitendra Mahakud, Tata Mc Graw Hill- 5th Edition.
2. Bank Management and Financial Services, Peters S. Rose and Sylvia C. Hudgins, Tata
Mc Graw Hill- 7th Edition.
c) Journals to be referred:
1. International Journal of Bank Marketing.2. International Journal of Central Banking.
5) Brief Session Plan:
Schedule of Sessions
Module Topic(s) No. of Sessions
I Indian Financial System 06
II Sources and uses of Bank fund 07
III Retail, Corporate and Rural Banking 07
IV Securitization, Plastic Money 07
V Regulatory framework 06
Total 33
6) Detailed Session Plan:
Session
No.
Date Unit
No.Content
Topics to be
covered
Case
StudyReference
1
2/8
I
The Indian
Financial System
Indian Financial
System: Nature
Evolution and
Structure, Thefunctions of
Financial
Intermediaries
Chapter I
26/8
IThe Indian
Financial System
Financial
Instruments
Chapter II
3
8/8
IThe Indian
Financial System
The Role of
Financial system in
Economic
developments, The
Indian Financial
system.
Chapter II
4 9/8 I The origin and
growth of
Banking
The origin and
Growth of
Banking History
Chapter II
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The Indian
Banking system
5
11/8
I
The origin and
growth of
Banking
Commercial
Banking in India,
Functions of
Commercial
Banks
Chapter II
6
13/8
I
The origin and
growth of
Banking
Challenges and
trends in
Banking ,
Universal
Banking, CRM in
Banks , Are
Banks dying
Chapter II
7
22/8 Case
Study-
1
Indian Bank and its Turn Around strategy (ICMR)
8 24/8 Placement Training- 1
9
27/8
II
Sources and Uses
of Funds in a
Bank
Sources and Uses
of funds in a
Bank: A banks
Balance sheet –
statement of
sources and Uses
of funds
Chapter
III
10
29/8
II
Sources and Uses
of Funds in a
Bank
A banks profit
and loss account,
Books of accounts in Banks
Chapter
III
11
30/8
II Deposit products
Deposit Products
types of bank
deposits offered
by banks
Chapter
IV
12
3/9
II Deposit products
Interest rates on
different types of
deposits,
composition of
bank deposits
Chapter
IV
13
5/9
II Credit policy
Credit policy
need for credit
policy and
components of
credit policy
Chapter V
14
7/9
II Credit policy
Credit policy
pursued by the
government,
credit structure
Chapter V
15
10/9
II LendingActivities
Lending Activity,
Basics of requirements of
lending activity
Chapter
VI
16 12/9 Case The Rise and Fall of Global Trust Bank ( ICMR)
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Study-
2
17
7/9
Placement Training- 2
18
11/9
III Retail Banking
Retail Banking
Scenario
Chapter
IV
19
12/9
III Retail Banking
Types of
Consumer Loans
Limitations of
credit scoring
Chapter
IV
20
14/9
IIICorporate
Banking
Corporate Banking,
The nature of
Corporate Banking,
Development of
Corporate Banking
Chapter V
21
25/9
III CorporateBanking
Consortium
Finance, multipleBanking
Arrangements
Chapter V
22
26/9
IIICorporate
Banking
Loan
Syndication-
Loan syndication
Process
Chapter
IV
23
28/9
III RRBs
Rural Banking-
Sources of Rural
finance, Credit
delivery
mechanism inRural Finance
Chapter-
IX
24
28/9
III RRBs, NABARD
Service Area
Approach,
NABARD
ChapterIX
25
3/10 Case
Study-
3
26 5/10 Placement Training- 3
27
9/10
IV Securitization
Securitization-
Meaning of Securitization
process
Chapter X
28
10/10
IVFee based
services
Fee Based
Services, Letter of
Credit, bank
guarantees,
Chapter-
XI
29
12/10
IVFee based
services
Subsidiary,
Services, Off
Balance sheet
Activities
Chapter-
XI
30 16/10 IV Plastic Money Plastic Money Chapter-XII
31 17/10 IV Management of
IPO, Reasons for
Chapter-
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going public XII
32
18/10
IV
Management of
Public issues and
Initial public
offerings,
Chapter-
XII
3326/10
IVMarketing of Issues , post ,
issue Activities
Chapter-XII
34
30/10 Case
Study-
4
35 31/10 Placement Training- 4
36
1/11
VRegulatory
Frame work
Regulatory Frame
work ; RBI
Structure Role of
RBI
Chapter-
XIII
37
2/11
V
Banking
Regulations an
Overview
BankingRegulation and
Supervision,
Monetary policy
Chapter-XIII
38
6/11
V
Banking
Regulations an
Overview
Banking
Regulation Act-
SEBI
Chapter-
XIII
39
7/11
V
Banking
Regulations anOverview
Banking law and
Regulations-
Legal
Perspectives of
Banking, Over
view of laws
related to
Banking
Chapter-
XIII
40
9/11
V
Banking
Regulations act
1949
Banking
Regulation
Act1949-Business
of Banks
Chapter-
XIII
41
13/11
V
Banking
Regulations act
1949
Business
prohibited for
Banks, licensingof banking
companies,
Restrictions on
loans and
advances,
management of
banking
companies
Chapter
XIII
42
14/11 Case
Study-
543 16/11 Placement Training- 5
44 23/11 Placement Training-6,7,8
45 27/11
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46 28/11
7) Self Learning Topics:
Serial No. ContentTopics to be
coveredSource(s) of material
1. Banks Are Banks Dying
Internet
http://www.minneapolisfed.org/publication
s_papers/pub_display.cfm?id=1139
2. LoansLoan Syndication
process
Internet
www.investopedia.com
3.Forms of
MoneyPlastic Money
Internet
www.business-standard.com
8) Teaching and Evaluation:
a. Course(s) taught by a single instructor (theory) is referred to as single section course and
course(s) taught by group of instructors in more than one section is referred to as multi-
section courses. b. The teacher for single section courses or associated with multi-section courses is referred to
as Instructor.
c. In case of multi- section courses, the team is led by an instructor known as Course
Coordinator. For single section courses, an Instructor will be designated as Course
Coordinator. Course Coordinator is also an instructor in multi-section course.
d. A team of instructors, under the leadership of Course Coordinator, work together for meeting
all requirements of teaching, evaluation and administrative aspects of the course. The Course
Coordinator has the responsibility of conducting the course with the cooperation of all
instructors in the team.
e. Handout shall be given to the students on the first day of the class.
f. Students will be assessed on continuous basis with a weightage of 40 per cent. The
comprehensive examination carries a weightage of 60 per cent.
9) Evaluation Scheme:
a) Continuous Assessment:
Max Marks: 40
SR.
NO.COMPONENT DURATION WEIGHTAGE
1.
Internal assessment Exams (Test1&2)
(75% of the higher score and 25% of the lower
score will be considered)
1 ½ hours 15
2.Surprise Test - objective or descriptive
(Best of the two tests will be considered)
10 to 20
minutes
5
3. Assignment 1 Week 5
4 Case Study/Reading Seminar I Hr 10
5. Class attendance 5
Total 40
i. Two internal assessment exams will be conducted for all courses during the semester. The internal
exams will be conducted for 30 marks which in turn will be scaled to 15 marks. The schedule of
exams will be notified by the Principal.
ii. Student’s attitude means, the student’s inclination, openness and fervor to learning and honoring
the instructions of the faculty member concerned. Participation means, the student’s
involvement in the class activities including answering the specific and overhead questions the
faculty member puts from time to time during a session under interactive style of delivery in the
class room or lab or an activity hall. Good behavior on and off the premises, punctuality and
regularity in attending classes are the issues coming under discipline.
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iii. A Surprise Test is of objective or subjective nature decided by the faculty concerned and is
conducted without prior intimation. There will be two such tests in a semester.
iv. Home assignments (Written) are given in each course by the faculty member concerned. There
will be one assignment in each semester in each course. The assignments shall be submitted
before the deadline fixed by the respective faculty member. The defaulter shall lose marks
allotted for that assignment and in no case, marks will be awarded retrospectively.
v. Under case analysis exercise, students are given a case by the faculty concerned and students are
required to analyze the case. Marks are awarded to each student separately based on the
analysis. In case of computer related courses, computer programming exercise may be given
instead of case analysis.
vi. Live projects and Reading seminars will be implemented and evaluated as per the guidelines
provided.
vii. Class attendance is monitored by each faculty member and based on the percentage of attendance
marks are awarded by the faculty member concerned.
viii. In order to maintain transparency in evaluation, the answer sheets of all components should be
shown to the students within one week of conducting the tests and quiz. If a student is not
convinced with the marks awarded he/she can apply for recheck. However, the student canapply for recheck on the day of returning the answer sheet within the classroom only.
ix. It shall be the responsibility of the Course Coordinator to display solution key on the notice board
immediately after the evaluation component with evaluation scheme. The instructor should stick
to the evaluation scheme announced while checking the answer sheets.
x. Submission of final grades to the Examination Committee is the sole responsibility of the Course
Coordinator.
xi. A comprehensive examination of three hour-duration is held at the end of the semester for 100
marks. This carries a weightage of 60 per cent.
b) General Structure of the Question Paper for the Comprehensive Examinations:
10) Attendance:
a. It is mandatory for a student to achieve 75% attendance in each course. Failing to meet the
minimum attendance requirements shall be cause for detention of a student from appearing for
an examination in a course.
b. A student has to attend all the continuous assessment components and other evaluation
components conducted by the University.
c. Attendance will carry 5 per cent weightage in each course.
d. Marks will be awarded for attendance in each course as per following:
S.No.
Pattern Marks
1.
Section A: Questions based on concepts, theories, etc. shall be
included in this section. Each question carries one or two marks.
All questions are compulsory to answer.
10x1=10
2.
Section B: Question based on the application of concepts, models,
problem-solving, etc. would be included in this section. Students
have to answer 5 out of 7 questions.
4 x 10 = 40
marks
3Section C: Students have to write a written case analysis. There is
no choice provided.1 x 10=10
Total 60 marks
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11) Chamber
Consultation:
Day Time
Thursday From: 3:00p.m. To: 4:30p.m.
Signature Signature Signature
Course Instructor HOD Director
% of Attendance Marks awarded
≥ 95 5
≥ 90 and < 95 4
≥ 85 and < 90 3≥ 80 and < 85 2
≥ 75 and < 80 1
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