course handout oob

7/30/2019 Course Handout OOB

http://slidepdf.com/reader/full/course-handout-oob 1/8

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



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



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)



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


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-



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


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-


44 23/11 Placement Training-6,7,8

45 27/11



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.



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



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

course handout oob

Documents