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BANK MANAGEMENT

Name of the Faculty: MR. SUDHEENDRAN.M

Semester III

Programme: Master of Business Administration (MBA)

SCMS-SSTM COCHIN -683 106

1. Course Outline (Syllabus)

Module

Description

No.

1

Origin and kinds of Banks- Unit and branch banking-Universal Banking- Banking System in India-Central bank-Evolution-Function-control of credit- Role of RBI-organization and Management.

Commercial Banks- Cooperative Banks- Development banking –NBFC’s- Unorganised sector-Nationalization and social responsibility of banking – Privatisation & Infusion of financial efficiency.

2

Commercial Banks-Functions of Commercial Banks-Agency Services- General Utility Services-Credit creation Limitations of Credit creation.

Practice of Banking-Banker-Customer Relationship-Special Relationship Law of Limitation-banker as trustee an agent-Appropriation of payment- Right of lien and setoff-obligation to maintain secrecy-Garnishee order

3

Electronic payment system-Teller Machines-Cash dispensers-ATMs- Anywhere Anytime Banking-Home Banking-Online enquiry and update facilities-Personal Identification Numbers –and their use-credit and debit cards-smart cards-signature storage & display by electronic means-MICR cheques

4

Electronic Banking and Internet Banking-Electronic Fund Transfer System- Plain Message-Structure Messages-SWIFT-CHIPS-CHAPS-FEDWIRE- RTGS-facets of Electronic Central Banking-E-banking transactions-Internet Banking- security considerations. Rangaraj or Sacraf and Schere Committee recommendations

5

International Banking-Exchange rate-Documentary letter of credit-Facilities for exporters and importers-correspondent banking and NRI bank Accounts- EXIM Banks-ECG Banks-role of FEDAI.

Evaluating

Bank

Performance-ROE

Model-CAMEL’s

rating-traditional

GAAP

based

performance

Measures-Profitability

Analysis,

Balanced

Scorecard.

Mergers and Acquisitions in Banks-Value creation through mergers-motives behind mergers-valuation procedures-Financial and Non-Financial considerations in Mergers and Acquisitions.

2. Courseware:

Book/

Author

Year/

Publisher

Journal

edition/volume

title

Introduction to

 

First Edition -2007

Excel Books

Banking.

Vijayaraghavan Iyengar

Principles of

   

Macmillan

Banking

Indian Institute of Banking & Finance

First Edition2005

Banking

 

18 th Revised

Himalaya

Theory,Law &

Gordon & Natarajan

Edition-2004

Publishing

Practice

House

Banking Theory

 

18 th Revised edition

Vikas

& Practice

Shekar & Shekar

Publishing

 

House.

Basics of

Dr.K.M.Bhattacharya & O.P.Agarwal

First Edition 2006

Himalaya

Banking and

Publishing

Finance

 

House

Management of

Justin Paul & PadmalathaSuresh

First Edition 2007

Pearson

Banking &

Education

Financial

 

Services

RBI Website

http://www.rbi.org.in

Financial Dailies

THE ECONOMIC TIMES, THE HINDU BUSINESSLINE, BUSINESS STANDARD

IIBF Website

http://www.iibf.org.in

3. Session Plan

   

Reading reference /

Session

No

Topics

Assignment

(Preparatory.

Work)

1

Origin and kinds of Banks- Unit and branch banking-Universal Banking-

Banking Theory & Practice, Shekhar & Shekhar Chapter 2

Basics of Banking & Finance, Bhattacharya & Agarwal, Chapter 1.

2,3

Banking System in India-Central bank-Evolution-Function-control of credit-Role of RBI-organization and Management.

Banking Theory, Law & Practice, Gordon & Natarajan, Chapters 30 & 35.

Introduction to Banking, Vijayaragavan Iyengar,Chapters1 & 2

 

Financial Institutions and Markets,L M Bhole & Jitendra Mahakud, Chapter 6

4

Commercial Banks- Cooperative Banks- Development banking –

Banking Theory, Law & Practice, Gordon & Natarajan, Chapters 30 & 36

NBFC’s-

Banking Theory & Practice, Shekhar & Shekhar Chapter 4, 11 &12.

5

Unorganised sector-Nationalization and social responsibility of banking –

Banking Theory, Law & Practice, Gordon & Natarajan, Chapters 31

Banking Theory & Practice, Shekhar & Shekhar Chapter 2&5.

6

Privatisation & Infusion of financial efficiency

Introduction to Banking, Vijayaragavan Iyengar,Chapter 3

Financial Institutions and Markets,L M Bhole & Jitendra Mahakud, Chapter 5

7,8

Commercial Banks-Functions of Commercial Banks-Agency Services-General Utility Services- Credit creation Limitations of Credit creation.

Banking Theory, Law & Practice, Gordon & Natarajan, Chapters 22 Banking Theory & Practice, Shekhar & Shekhar Chapter 2

9,10,

Practice of Banking-Banker- Customer Relationship-Special Relationship Law of Limitation- banker as trustee an agent- Appropriation of payment-

Principles of Banking,Indian Institute of Banking & Finance, Macmillan, Chapters 5,6,7. Banking Theory, Law & Practice, Gordon & Natarajan, Chapters 1 & 4

11,12

13,14

Right of lien and setoff-obligation to maintain secrecy-Garnishee order

Banking Theory, Law & Practice, Gordon & Natarajan, Chapter 13

Banking Theory & Practice, Shekhar & Shekhar Chapter 21, 28.

15,16

Electronic payment system-Teller Machines-Cash dispensers-ATMs- Anywhere Anytime Banking-Home Banking-Online enquiry and update facilities

Principles of Banking,Indian Institute of Banking & Finance, Macmillan,Chapters 12 to 16

Basics of Banking & Finance, Bhattacharya & Agarwal, Chapter 5

 

.www.rbi.org.in

http://www.rbi.org.in/scripts/BS_

ForBankers.aspx

http://www.rbi.org.in/scripts/FAQ

Display.aspx

17,18

Personal Identification Numbers – and their use-credit and debit cards- smart cards-saignature storage & display by electronic means-MICR cheques

Principles of Banking,Indian Institute of Banking & Finance, Macmillan,Chapters 12 to 16

Basics of Banking & Finance, Bhattacharya & Agarwal, Chapter 5

 

www.rbi.org.in

http://www.rbi.org.in/scripts/BS_

ForBankers.aspx

http://www.rbi.org.in/scripts/FAQ

Display.aspx

19,20

Electronic Banking and Internet

Principles of Banking,Indian Institute of Banking & Finance, Macmillan,Chapters 12 to 16

Banking-Electronic Fund Transfer System-Plain Message-Structure

Messages-SWIFT-CHIPS-CHAPS-

 

FEDWIRE-

Basics of Banking & Finance, Bhattacharya & Agarwal, Chapter 5

www.rbi.org.in

http://www.rbi.org.in/scripts/BS_

ForBankers.aspx

http://www.rbi.org.in/scripts/FAQ

Display.aspx

21,22

RTGS-facets of Electronic Central Banking-E-banking transactions- Internet Banking- security considerations.

Principles of Banking,Indian Institute of Banking & Finance, Macmillan,Chapters 12 to 16

Basics of Banking & Finance, Bhattacharya & Agarwal, Chapter 5

 

www.rbi.org.in

http://www.rbi.org.in/scripts/BS_

ForBankers.aspx

23

Rangaraj or Saraf and Schere Committee recommendations

Introduction to Banking, Vijayaragavan Iyengar,Chapter 3

www.rbi.org.in

24,25,

International Banking-Exchange rate-Documentary letter of credit- Facilities for exporters and importers-correspondent banking and NRI bank Accounts-EXIM Banks-ECG Banks-role of FEDAI.

Financial Institutions and Markets,L M Bhole & Jitendra Mahakud, Chapter

25.

26,27

Websites of RBI,FEDAI,EXIMBANK and ECGC.

Management of Banking & Financial Services, Justin Paul & Padmalatha Suresh, Chapter 22

 

Banking Theory & Practice, Shekhar & Shekhar Chapter 29, 30.

28,29,

Evaluating Bank Performance-ROE Model-CAMEL’s rating-traditional GAAP based performance Measures-Profitability Analysis, Balanced Scorecard.

http://rbi.org.in/scripts/Publicatio

30,31

nsView.aspx?id=10496

http://www.12manage.com/meth

 

ods_balancedscorecard.html

http://www.ignou.ac.in/edusat/m

ba/ms422/MS-422%20Block-

1/pdf/UNIT3.pdf

http://www.cab.org.in/Lists/Know

ledge%20Bank/Attachments/47/

Analysis%20of%20Financial%20

Statement%20of%20Banks-

Updated.pdf

 

Evaluating performance of banks

Titl

e

through CAMEL model: a case

study of SBI and ICICI,

Aut

hor

Bodla, B S , Verma, Richa

So

ICFAI Journal of Bank

urc

Management, 5(3) Aug, 2006

e

Pa

ge

pp 49-63

s

Balanced Scorecard- Multi Sector

Perspectives

Publisher: ICFAI Author: Sumati Reddy, Venkata Nimeesha Posa, ISBN: 8131408604 No. of Pages: 228

32,33,

Mergers and Acquisitions in Banks- Value creation through mergers- motives behind mergers-valuation procedures-Financial and Non- Financial considerations in Mergers and Acquisitions.

Management of Banking & Financial Services, Justin Paul & Padmalatha Suresh, Chapter 19

http://www.ficci.com/media-

34,35

 

room/speeches-

presentations/2004/sep/banking/

Session%20III/0

http://www.economywatch.com/

mergers-

acquisitions/international/bankin

g-sector.html

http://www.thehindubusinessline.

com/2004/11/11/stories/2004111

100071000.htm

4. Activities:

Module Tests: Module Tests would be conducted at the end of every module. But the

participants can expect more than one test per module, owing to the depth and coverage of

the topics.

Assignments: Assignments would be provided, the topic of which would be intimated in

advance. The participants are expected to exhibit due diligence in submitting original works,

without resorting to un-warranted practices. In cases of discrepancies, valuation of

assignments would attract weights of the marks of the tests of the corresponding module,

subject to approval of the appropriate authorities.

Class Participation: The participants are expected to actively participate in class room

activities, with more impetus emanating from their part in the learning process. Evaluation

criteria would consist of punctuality in attendance, up-keep of class/ home work notes and

records, pro-active class-room etiquette and academic performance.

Banking Diary / Notebook: Each student should maintain a Banking diary/Notebook. Apart from the Classroom learning, Latest News in Financial sector including relevant Economy & Banking related data can be included in the Diary/Notebook.

INTERNAL EVALUATION:

Module Tests:

15

Presentation & Assignments:

10

Mid-Term Test:

5

End Term Model Test:

5

Class Participation/Banking Diary

5

TOTAL:

40