syllabus for banking

7/28/2019 Syllabus for Banking

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Semester III

Elective-I

Bank Management

University Examinations 50 Marks

Internal Assessment 50 Marks

Total 100 Marks

Unit-I:

Nature of Banking Business: Socio, Economic and legal environment of banking businessin India- Official regulation and control over banks in India: Banking Regulation Act1949, Reserve Bank of India Act, 1934, Banking Companies Act, 1970 etc-Diversification of Banking in India.

Unit-II:

Forms of Banking: Branch Banking, Unit banking, Group Banking, Chain Banking,Process of Bank Management. Location policies and decisions, organizational structureof commercial banks in India, Department set up of head office, zonal office, Regionaloffice and Branchy Offices. Delegation of authority in banks, management of deposit andadvances.

Unit- III:

Bank balance sheet: Management of assets and liabilities in banks- profitability and productivity in banks, Management of large sized branches and rural branches. Internalcontrol and performance budgeting system. Preparation of Bank profit & loss A/C and balance sheet, income recognition and asset classification norms.

Unit- IV:

Human resource development in banks: manpower planning, recruitment, training, promotion, and motivation. Bank marketing: Product planning and Development.Computerization of Banks: Need, application, progress, problems, current issues and problems of management of banks in India.

Unit-V:



Management of Bank Technology: Electronic Banking, core banking, ATMs, online banking. Personal identification number and their use in conjunction with magneticcards(Debit & credit cards), smart cards, signature storage and display by electronicmeans, cheque truncation, microfiche, note and coin counting devices.

Electronic funds transfer systems- Different sources, its effect on customers and servicequality.

Books for Reference:

1. R. Keshavnathan: Banking and Insurance management, Academic excellence publication.

2. Singh, Bhattacharya: Banking sector management, Discovery publishing house.



Semester - III

Elective-II

Banking Law and Practice



Total 100 Marks

Unit I: Banker- customer relationship: Definition and Meaning of “Banker andCustomer”- permitted activities of commercial banks in India,- General and special featuresof their relationship , Their rights and duties.

Unit II: Business environment of Commercial Banks, Negotiable instrument act andvarious methods of granting advances viz Cash credit, bills discounting and term loanfinance. Other instruments – parties if Nis – crossing – endorsement- payment and collectionof cheques- forged instruments- bouncing of cheques and their implications- various lawsaffecting bankers.

Unit III: Funded services- working capital finance, bill Discounting, Export Credit, Term

Lending. Non funded service- LC, Guarantees, collection of Documents Clearing andSettlement Processes Value added Serviced RTGs, CMS, Salary A/cs

Various forms of financing methods under non fund based limits viz Bank guarantees andletters of credit etc Appraisal of Fund Based limits and non fund based limits viz ratioanalysis, MPBF method of assessing working capital requirement.

Unit IV: Banking services Remittances – Safe custody – safe deposits vaults collections – Deposits accounts- opening operations and closures- Fixed Deposits- Saving account-current account- Deposits scheme for NRIs, other Deposits schemes, mandate and Power of Attorney- Nomination Facility – Insurance of Bank Deposits.

Unit V: Balance sheet management and Profit and Loss Management - Management of Nonperforming assets - Capital Adequacy under Basel II guidelines, Asset liabilityManagement and various other risk management



Reference Book:

1. D K Murthy, Indian Financial System, IK International Private Limited.2. H R Machiraju, Modern Commercial Banking, New Age International3. Parameswaran R, Natarajan S, Kandasami K P, Banking Law and Practice, S.ChandPublications4. RBI Guidelines.



Semester – III

Elective-III

MERCHANT BANKING AND FINANCIAL SERVICES



Total 100 Marks

UNIT-I - Overview of Indian Financial System-Development Since 1991- Role of Financial Intermediaries- Various Financial Intermediaries. Merchant Banking in India-Recent Developments and challenges ahead- Institutional structure – functions of Merchant Banking – SERA-SEBI guidelines- FRMA relation with stock exchange.

UNIT-II-Capital Market- Instruments-Traditional and Emerging (ECB, ADR, GDR)

Capital Marketing in India-Operations in Primary Markets-Instruments involved-Role of SEBI. Secondary Markets Stocks Exchanges in India-National Stock Exchange (NSE)— Stock Holding Corporation of India (SHCIL)-Share Trading- Introduction to Derivativesand Commodities UNIT-III – Issues Management- Role of Merchant Banking in appraisal of projects,Designing capital structures and Instruments- Issue Pricing – Preparation of Prospectusselection of bankers, advertising, consultants, etc. Role of Registrars and Brokers – offer to sales- book building- Green shoe option- E- IPO Private Placements Bought out Deals – Off shore Issue, Post issue activities.

UNIT-IV - Money Market Nature and role of Money market in India – Instruments inMoney Market viz, CPs, CDs,Bill of exchange, ICDs, Treasury Bill – Role of DFHI/STCI in Money Market – ECBs.

UNIT-V Financial Services – Credit rating – Factoring and forfeiting – leasing and hire purchasing- Securitization of debts-Housing finance – Merchant Banking services andfunctions, Mutual Funds, FIs & FIIs- Venture Capital

REFERENCE BOOKS

1. Indian Financial Services- M.Y. Khan

2. Marketing of Financial Services- V. A. Avdhani3. Advance Financial Management- Kohak 4. SEBI Guidelines on Merchant Banking.

5. Indian Financial system – Machiraju6. A Manual of Merchant Banking- J.C. verma7. International Financial Centers- Bhalla V.K and Dilbag, singh8. Management of Financial Services- Bhalla V.K.



Unit-V:

Risk management: Definition of risk and risk management, risk management process-risk identification, measurement, monitoring and control. Types of risks- Business risks,credit risk, market risk, earning risk, liquidity risk, operational risk, control risk, capital

interest rate risk and management- factors influencing interest rates, theories on interestrates- Liquidity Adjustment Facility (LAF), Fixed income securities- Pricing, valuationand yield. Bond portfolio Management

Books for Reference:

1. ITBF, “Risk Management”, Macmillan, New Delhi2. Bhasaran, R: “ An introduction to fund and Investment management in Banks”,

Bankers Institute of Rural Development.



Semester IV

Elective-I

Rural Banking

University Examinations 50 MarksInternal Assessment 50 Marks

Total 100 Marks

Unit I- Introduction to rural banking- Features of Rural Economy in India, Principles andfunctions of rural banking, function of Apex MSCB, DCCB, functions and role of RBI, NABARD, functions and objectives of RRB.

Unit II- Sources of rural finance- Institutional sources – Co-operative credit Agencies – Structure of Co-operation credit in India – Weakness of co-operative credit agencies – Taccavi loans – Need transfer of taccavi funds to co-operatives – Suggestions to improvethe working co-operative credit agencies. Non-Institutional sources – Money-lending – Friend and relatives – Government Sources.

Unit III- Agriculture and Rural Banking- Pattern of Agricultural loans in India. Ruralindebtedness – causes and measures, purpose of agri loan and advance, utilization of loans, security and repayment of loans. Issue of Farmer’s suicide Crop insurance

Unit IV- Regulation- Regulation of Rural Financial Services: Regulatory framework of RFIs Reserve Bank of India and its policy and functions in Rural Banking, Liberalizationand deregulation of interest rates in RFTs. Measures taken under 20 points programme inrural banking

Unit V- Recent Trends- Financing poor as bankable opportunities Micro credit: Summitdeclaration and follow up SHG/Linkage with banking Alternative financial institutions/ NGO involvement Reforms in rural credit system De regularization Prudential normsDAP/IMOU, turnaround strategies.



Reference Books

1. R.M. Srivastava: Management of financial institutions in India.2.Vasanth Desai: Nature and problems of commercial banking in India.

3. Vasanth Desai: Development Banks: Issues and Options.4. Ruddar Datta & K.P.M. Sundharam (2004), S.Chand and Company Lrd. Ram Nagar, New Delhi.- Indian Economy.5. S. C. Ray -Agricultural Indebtedness in India6. Dr. C.B. Memoria, Dr. B.B Tripathi Kitab Mahal, Allahabad.Agricultural Problems inIndia.



Semester- IV

Elective-II

Bank Marketing


Internal Assessment 50 MarksTotal 100 Marks

Unit I- Marketing Management - Meaning, Importance and Functions of marketingmanagement - Marketing of Services – characteristics of service marketing, measuringservice for banking services, market segmentation for banking services.

Unit II- Product Research & Development - Test Marketing of Bank Products -Product Life Cycle -Product Modification - New Product Development - Packaging andBranding of Bank Products - Diversification - Pricing of Bank Products and Services -

Objectives, Strategies and Methods - Factors Influencing the Pricing Decisions,Importance of

Unit III- Pricing and Promotion – factors influencing pricing of bank products,Promotion - Promotion Mix and Role of Promotion in Marketing - MarketingInformation Systems. Role of DSA / DMA in Bank Marketing

Init IV- Customer Relationship- Definition and Meaning of “Banker” and“Customer” – Permitted activities of Commercial Banks in India – General andSpecial Features of their relationship, Their rights and duties.

Unit V- Channel Functions and Services -, Channel Management, Factors Influencing -Direct and Indirect Channels of Bank Products - Physical Distribution –Selling Functionin a Bank, Tele Marketing / Mobile Phone Banking

References

1. Adam, C., Marketing financiar-bancar, Editura Mirton, Timişoara, 20072. Badoc, M., Marketing management pur les societés financières (banques, societésd’assurances), Éditions d’Organisations, Paris, 1995.3. Estelami, H., Marketing Financial Services, Dog Ear Publishing Ltd., 2007.4. Gurău, C., “Online banking in transition economies: the implementation anddevelopment of online banking systems in Romania”, International Journal of Bank Marketing, Vol. 20 No. 6, 2002.5. Hoffman, K.D., Bateson, J.E.G., Essentials of services marketing, The Dryden Press,1997.6. Lenskold, J.D., Marketing ROI: The Path to Campaign, Customer, and CorporateProfitability, McGraw-Hill, 2003.7. Vaglio, N., Clapp, B., Shift Happens: The New Age of Bank Marketing: HowChanging Lifestyles And Customer Experience Are Challenging Bank Marketers, 2008.



Semester- IVElective III

International Banking and Foreign Exchange



Total 100 Marks

Unit-I

Introduction: Importance of the study of Banking Systems. Developed and LessDeveloped Money Markets, Their Characteristics. Importance of Developed Money

Market in a Banking System. English Banking System – Bank of England, Origin andgrowth, organizational Structure, Functions, London Money Market, EURO Currency.

Unit- II

Federal Reserve System: Origin, Organizational Structure and Working, Unit Bankingand factors for its growth in USA. New York Money Market – Constituents andworking, Comparison between LondonMoney Market and New York Money Market.

Unit-III

German Banking System: Deutche Bundes Bank ‘German Central Bank’ – Organization, structure and functions. Bank of Japan- Structure and Working,Commercial Banking system of Japan, Industrial Banking in Japan

Unit-IV

Indian Banking:

Reserve Bank of India: Functions, Monetary and Credit Policy-its evaluation;Achievements and failures of R.B.I. Indian Money Market, Constituents, Characteristics,defects and measures. International Financial Institutions:

I.M.F. and I.B.R.D. –Objectives, Functions, Assistance to India by these Institutions.Unit-V

Interest, inflation and exchange rates: Covered and uncovered parities - Overshooting.Functioning of foreign exchange markets: Foreign exchange risk - Currency futuresand Swaps - Options and hedges; Multinational Banking.



Volatility in exchange rates: Market intervention - Capital account convertibility -Models of currency crisis –International Monetary System Reforms.

Books recommended:

1. Sayers, R.S. – Modern Banking2. Basu, S.K. – Contemporary Banking Trends.3. Saxena, K.B. – International Banking: Banking Theory and Principal BankingSystems (Hindi)4. Machenize, K. – Banking Systems of Great Britain, French, germany and U.S.A.

5 P Krugman and M. Obstfeld, International Economics: Theory and Policy, 5/e, PearsonEducation, 20006. G Gandalfo, International Finance and Open Economy Macroeconomics, 2/e,Heidelberg, Spinger Verlag, 20027. Adrian Buckley, Multinational Financial Management, Prentice Hall, 3/e, 2003.

8. R Caves, J A Frankel and R W Jones, World Trade and Payments: An Introduction,9/e, Pearson Education, 20029. P B Kenen, International Economics, Cambridge University Press, 2000.



M.B.A. Semester – IV



Total 100 Marks

Course No. 408

Paper No. – XXXIIGroup- A/B/C/D.

PROJECT REPORT AND VIVA VOCE

(Project Report Based On Marketing/ Financial/HRM/Information System/Banking

Management)

(Practical training and Project work)

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Objectives: To make MBA Students aware of the industrial environment by self experience, in plant training is essential.

1) For this every student shall have to under go practical training of six weeks in a

private / public / government / semi – government, large size business

organization during vacation at the end of the second semester.

2) A candidate will be admitted to the III semester provided he / she has undergone

practical training. He / she should submit a certificate to this effect to the

University Dept. /School/ College/ Institute.

3) The candidate shall after completion of the practical training submit either an

observation report or a detailed project report (based on the in plant training) in

area of proposed specialization.

4) If a student is submitting an observation report, the conditions are as follows :

a) Observation report should be submitted at the end of IV semester.

b) Candidate should carry out a survey project during IV semester. The project

topic should be approved and finalized by the guide. The survey work should

be related to the area of specialization. The survey report (project report)

should be submitted at the end of IV semester.

5) A Student not submitting observation report but the desires of submitting a

project report based on in plant training should follow the following procedure.



a) Student should expressly state the desire of preparing a project report and

get it approved from the guide.

b) Student should carry out activity of preparation of a project report based on

in plant training in III semester in consolations with the guide.

The topic of the project report should be in the area of specialization. The project

report should be submitted at end of IV semester. The Student will be expected to

work under the close supervision of the project guide. Project Topic should be in the

area of specialization and should necessarily include fieldwork in addition to library

study. The project shall include data collection data analysis and interpretation and

implication for management decision-making in the functional area concerned. The

student will study live business situation and use the same as inputs in project preparation. There will be regular project classes (4 hours a week) including

preparation for viva vice. The student will be expected to make a presentation of the

project towards the end of the IV semester out of the 100 marks assigned to the

project report, project work will carry 50 marks and viva of the project report carries

50 marks. Project report will be assessed by the internal teacher for 50 marks and viva

of the project will be arranged by the Head. The committee for conducting viva-vice

for MBA at the end of IV semester shall consists of four members of which two will

be external members (outside university area) and the other two will be form the

university area one of whom shall be the project guide and the other one is Head of

the Dept. Head of the Dept will submit a panel of 10 Examiners to Hon. Vice

chancellor through the Director of the School of which two examiners will be

nominated by the Vice chancellor as per specialization. This exercise is part of

Internal Assessment. . The project report should be submitted in one Computer typed

copy to the University / College. No. Student shall be permitted to take admission in

III semester unless he / she submit the implant training certificate.